Turnover
≈ €140,000 estimated
The accounts state no turnover.
HBE Concept
Lifetime
2 annual accounts with figures on one time axispeak €45,968 (2025)
€45,968▲ 226%
peak €20,433 (2025)
€20,433▲ 12×
peak €27,100 (2025)
€27,100▲ 307%
€54,848▼ 31.7%
Board2 names since 2023
2 directorsDUARTE VIEGAS MARQUES Emanuel António and 1 other
Documentsfilings and deeds
07-04-2026115 days before the deadline
2025financial year
Gross margin from €14,109 to €45,968Result from €1,666 to €20,433Equity from €6,666 to €27,100Debts from €80,360 to €54,848Cash from €24,438 to €14,834
Key points
from the 2025 annual accountsLiquidity
1.07 was 0.58 in 2024
Short-term debts fell from €57,648 to €43,772.
Position in the sector
€27,100
Less equity than 85% of companies in human health. Sector median €430,388 · 783 companies.
Checked score
94
Excellent
Financially stronger than 50% of micro companies in human health (NACE 86)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 24,185 companies (NACE 86, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025highest value
04-2025: 0.5%● unchanged vs 03-2025highest value
05-2025: 0.1%▼ -0.4 percentage points vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
No registered site in the KBO
lowers risk
Sector: Human health activities (NACE 86)
Liquidity: current ratio 1.07, cash €14,834
Figures for financial year 2025 (filed on 07-04-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 86, micro). It does better than 28% of them on solvency, 14% on liquidity, 60% on profitability and 97% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as HBE Concept has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of HBE Concept itself is lower: 0.1% within 12 months. It rests on far more data about HBE Concept than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for HBE Concept. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.07 (0.58 in 2024), below the usual 1.5. Short-term debt is 53.4% and cash 18.1% of total assets. 66.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Young company
Founded in 2023, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-04-2026, 115 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
115 days early
2024
115 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 115 days before the deadline. In the sector (NACE 86), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- LOPES BRÁS Susana Patricia founderdeed of 05-12-2023
- DUARTE VIEGAS MARQUES Emanuel António founderdeed of 05-12-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1002903190
Company renamed from HARMONY BIEN-ÊTRE to HBE Concept
“L’installation de menuiseries extérieures et intérieures en bois,en matières plastiques,en métal ou en…” (deed in French) · General meeting of 06-08-2024 · Gazette deed
Incorporation
Founding capital of €5,000 · Founders: LOPES BRÁS Susana Patricia and DUARTE VIEGAS MARQUES Emanuel António · 1,000 shares · Appointments: LOPES BRÁS Susana Patricia (director) and DUARTE VIEGAS MARQUES Emanuel António (director) · published on 05-12-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| HBE Concept Wavre | €81,947 | €45,968 | 33.1% | - |
| Permentier Chloé Kinésithérapie Thuin | €84,287 | €43,240 | 27.5% | - |
| Q.J. Projects Steenokkerzeel | €91,811 | €49,850 | 39.9% | - |
| StellaBlue Tervuren | €73,873 | €43,276 | 67.9% | - |
| FOOTBALANCE Beerse | €66,814 | €42,717 | 96.5% | - |
| MANOSK Bruges | €85,077 | €56,431 | 83.9% | - |
| Osteopathie Anthony Decaestecker Brakel | €79,229 | €55,801 | 47.1% | - |
These companies have the same main activity as HBE Concept: nutrition and dietetics services (NACE 86995). They are comparable in size and age: total assets between €66,800 and €91,800, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 01-12-2023Normal situation
- Activity
- Nutrition and dietetics servicesNACE 86995and 1 other
- Financial year end
- 31 December
- Peppol
- Reachable since 01-09-2025
Annual accounts 2025
- €81,947▼ 5.8%
- Filing
- Filed on 07-04-2026, 115 days before the end of the filing period
Insights on HBE Concept
Solvency rose in 2025 from 7.7% to 33.1% because of the retained profit and lower debts.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about HBE Concept
- What is the company number of HBE Concept?
- The company number of HBE Concept is 1002.903.190. The VAT number is the same number with BE in front: BE 1002.903.190.
- Where is HBE Concept based?
- The registered office is at Rue Provinciale 54, 1301 Wavre.Company details
- What does HBE Concept do?
- According to the KBO register, the main activity is nutrition and dietetics services (NACE 86995).
- What is the legal form of HBE Concept?
- HBE Concept is a private limited company (BV).
- When was HBE Concept founded?
- HBE Concept was founded on 01-12-2023.
- Is HBE Concept still active?
- Yes, HBE Concept is an active enterprise in the KBO register.
- What is the turnover of HBE Concept?
- The turnover in financial year 2025 is ≈ €140,000. This figure is estimated from the gross margin of €45,968 and 41 comparable companies (NACE 869). It probably lies between €98,000 and €180,000.Financials
- Is HBE Concept profitable?
- In financial year 2025, HBE Concept made a profit of €20,433.
- Where can I find the annual accounts of HBE Concept?
- HBE Concept filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of HBE Concept due?
- HBE Concept must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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