HBI TECHNOLOGY
ActiveThe computed 12-month bankruptcy probability of HBI TECHNOLOGY is 2.1% (moderate). The 2025 annual accounts show equity of €77k and a net result of €14k. Equity is growing by ~23.2% per year across the filed fiscal years. Its solvency ranks better than 92% of 7932 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▼-10
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
short-term debt: 0.4% and cash: 75.8% of total assets, and 9.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
90.9%
Return on assets
16.9%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
28 d late
2024
28 d late
2023
23 d late
2022
23 d late
2021
30 d late
2020
6 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€77k▲ 22.9%
2024 · €63k
2020: €27k
2021: €32k
2022: €34k
2023: €38k
2024: €63k
2020 → 2025
Total assets
€85k▲ 17.3%
2024 · €72k
2020: €52k
2021: €77k
2022: €45k
2023: €48k
2024: €72k
2020 → 2025
Net result
€14k▼ 41.7%
2024 · €25k
2020: €21k
2021: €5k
2022: €2k
2023: €4k
2024: €25k
2020 → 2025
Working capital
€81k▲ 42.2%
2024 · €57k
2020: €13k
2021: €22k
2022: €21k
2023: €31k
2024: €57k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€34k▲ 5.8%€38k▲ 11.8%€63k▲ 64.5%€77k▲ 22.9%
Operating result€7k-€5k▼ 24.7%€6k▲ 10.9%€32k▲ 456%€18k▼ 43.6%
Net result€5k-€2k▼ 63.5%€4k▲ 116%€25k▲ 512%€14k▼ 41.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 44% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €85k
Fixed assets
€4k▼ 37.9%
Current assets
€81k▲ 22.2%
Equity and liabilities €85k
Equity
€77k▲ 22.9%
Debt
€8k▼ 19.3%
The debt ratio falls from 13.2% to 9.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€21k▼
2024 · €36k
Cash flow
€17k▼
2024 · €29k
Solvency
90.9%▲
2024 · 86.8%
Debt / equity
0.10▼
2024 · 0.15
ROE
18.6%▼
2024 · 39.2%
ROA
16.9%▼
2024 · 34.0%
Interest coverage
141.16▼
2024 · 406.96
Debt
€8k▼
2024 · €10k
Debt ≤ 1 year
€312▼
2024 · €10k
Income taxes
€4k▼
2024 · €7k
A ratio outside any meaningful range has been withheld (balance sheet total €85k, equity €77k).
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€72k€85k▲
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€6k€4k▼
Furniture and vehicles24€6k€4k▼
Current assets29/58€66k€81k▲
Amounts receivable within one year40/41€14k€16k▲
Trade receivables40€9k€11k▲
Other amounts receivable41€4k€5k▲
Cash at bank and in hand54/58€53k€64k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€72k€85k▲
Equity10/15€63k€77k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€56k€71k▲
Distributable reserves133€56k€71k▲
Amounts payable17/49€10k€8k▼
Amounts payable within one year42/48€10k€312▼
Trade debts44€495-
Suppliers440/4€495-
Taxes, remuneration and social security45€9k€312▼
Taxes450/3€9k€312▼
Accrued charges and deferred income492/3-€7k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€300€801▲
Gross operating margin9900€36k€22k▼
Operating profit (loss)9901€32k€18k▼
Financial income75/76B€1€729▲
Recurring financial income75€1€729▲
Financial charges65/66B€89€150▲
Recurring financial charges65€89€150▲
Profit (loss) for the period before taxes9903€32k€19k▼
Income taxes67/77€7k€4k▼
Profit (loss) for the period9904€25k€14k▼
Profit (loss) for the period to be appropriated9905€25k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€14k▼
Profit (loss) brought forward from the previous period14P€11k-
Transfer from equity791/2-€35k
Transfer to equity691/2€35k€50k▲
To other reserves6921€35k€50k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Liquidity times 37current ratio 258.76
Current ratio from 6.94 to 258.76; short-term debt falls from €10k to €312.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2020net €25k ▲512%
Net result €25k, the highest in the series.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Weakest financial yearnet €2k ▼63.5%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 3.33
Current ratio from 1.60 to 3.33; short-term debt falls from €38k to €9k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
25-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Schaarbeek · 1 establishment unit since 2019
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Destouvellesstraat 541030 SchaarbeekGround area
115 m²
Building footprint
92 m²
Volume, LiDAR
1,039 m³
Parcel 21910E0035/00D012, Brussels · tallest building 15.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
HBI TECHNOLOGY
since 20192.286.097.780
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21910E0035/00D012 | Brussels | 115 m² | 1 · 92 m² | 15.7 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
MOMMEN & CO
BE 0860.888.064
Veurne · Eq €77k
NEWSENGINE
BE 0457.150.211
Antwerpen · Eq €77k
M-Consul
BE 0755.967.322
Gent · Eq €77k
ALL DRINKS
BE 0474.261.011
Koksijde · Eq €77k
Bruynseels Brad
BE 0782.957.274
Antwerpen · Eq €77k
Of 6,157 companies in sector 46190 we hold annual accounts for 2,567. 1,957 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-02-2019
Fiscal year end31-12
Abbreviation FR
HBI
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
62200Computer consultancy and computer facilities management
46180Agents specialised in the wholesale of other particular products
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.