HBP
ActiveHBP has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.80M and a net result of €303k. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 55% of 9195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42=
Solvency62▼-7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €230k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 1.84 in 2024; short-term debt: 61.8% and cash: 12.1% of total assets), but 63% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
37%
Return on assets
3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 28-05-2026, 64 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
64 d early
2024
69 d early
2023
42 d early
2022
118 d early
2022
105 d early
2021
85 d early
2020
82 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.80M▲ 0.5%
2024 · €3.78M
2019: €1.90M
2020: €2.01M
2021: €2.31M
2022: €2.87M
2022: €3.32M
2023: €3.44M
2024: €3.78M
2019 → 2025
Total assets
€10.26M▲ 18.2%
2024 · €8.67M
2019: €3.94M
2020: €3.73M
2021: €4.18M
2022: €4.83M
2022: €5.21M
2023: €8.48M
2024: €8.67M
2019 → 2025
Net result
€303k▼ 10.8%
2024 · €340k
2019: €133k
2020: €104k
2021: €302k
2022: €564k
2022: €450k
2023: €113k
2024: €340k
2019 → 2025
Working capital
€3.76M▼ 4.5%
2024 · €3.94M
2019: €2.57M
2020: €2.60M
2021: €2.83M
2022: €3.29M
2022: €3.67M
2023: €3.71M
2024: €3.94M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222022202320242025Trend
Equity€2.87M-€3.32M▲ 15.7%€3.44M▲ 3.4%€3.78M▲ 9.9%€3.80M▲ 0.5%
Operating result€830k-€673k▼ 18.8%€248k▼ 63.1%€713k▲ 187%€636k▼ 10.9%
Net result€564k-€450k▼ 20.1%€113k▼ 75.0%€340k▲ 202%€303k▼ 10.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
Multiple fiscal year ends fall in the same calendar year; an annual trend is not displayed.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10.26M
Fixed assets
€152k▲ 217%
Current assets
€10.10M▲ 17.1%
Equity and liabilities €10.26M
Equity
€3.80M▲ 0.5%
Debt
€6.46M▲ 31.9%
The debt ratio rises from 56.5% to 63.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€663k▼
2024 · €720k
Cash flow
€330k▼
2024 · €347k
Solvency
37.0%▼
2024 · 43.5%
Current ratio
1.59▼
2024 · 1.84
Quick ratio
0.70▼
2024 · 0.81
Debt / equity
1.70▲
2024 · 1.30
ROE
8.0%▼
2024 · 9.0%
ROA
3.0%▼
2024 · 3.9%
Interest coverage
2.34▲
2024 · 2.16
Debt
€6.46M▲
2024 · €4.90M
Debt ≤ 1 year
€6.34M▲
2024 · €4.68M
Debt > 1 year
€120k▼
2024 · €213k
Income taxes
€146k▲
2024 · €145k
Staff costs
€68k▲
2024 · €64k
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€8.67M€10.26M▲
Fixed assets21/28€48k€152k▲
Tangible fixed assets22/27€34k€140k▲
Furniture and vehicles24€34k€140k▲
Financial fixed assets28€14k€12k▼
Current assets29/58€8.62M€10.10M▲
Stocks and contracts in progress3€4.83M€5.64M▲
Stocks30/36€4.83M€5.64M▲
Amounts receivable within one year40/41€3.32M€3.21M▼
Trade receivables40€102k€50k▼
Other amounts receivable41€3.22M€3.16M▼
Cash at bank and in hand54/58€467k€1.24M▲
Deferred charges and accrued income490/1€13k€13k=
Equity and liabilities
Total equity and liabilities10/49€8.67M€10.26M▲
Equity10/15€3.78M€3.80M▲
Contributions10/11€525k€525k=
Capital10€525k€525k=
Issued capital100€525k€525k=
Reserves13€3.25M€3.27M▲
Non-distributable reserves130/1€53k€53k=
Legal reserve130€53k€53k=
Tax-exempt reserves132€126k€126k=
Distributable reserves133€3.07M€3.09M▲
Amounts payable17/49€4.90M€6.46M▲
Amounts payable after more than one year17€213k€120k▼
Financial debts170/4€213k€120k▼
Amounts payable within one year42/48€4.68M€6.34M▲
Current portion of amounts payable after more than one year42€87k€92k▲
Financial debts43€3.42M€4.96M▲
Credit institutions430/8€3.42M€4.96M▲
Trade debts44€126k€175k▲
Suppliers440/4€126k€175k▲
Taxes, remuneration and social security45€219k€252k▲
Taxes450/3€207k€240k▲
Remuneration and social security454/9€13k€12k▼
Other amounts payable47/48€831k€862k▲
Income statement
Code20242025
Non-recurring operating income76A€50k€8k▼
Remuneration, social security and pensions62€64k€68k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€27k▲
Other operating charges640/8€4k€169▼
Non-recurring operating charges66A€80k-
Gross operating margin9900€867k€731k▼
Operating profit (loss)9901€713k€636k▼
Financial income75/76B€105k€97k▼
Recurring financial income75€105k€97k▼
Financial charges65/66B€333k€283k▼
Recurring financial charges65€333k€283k▼
Profit (loss) for the period before taxes9903€485k€449k▼
Income taxes67/77€145k€146k▲
Profit (loss) for the period9904€340k€303k▼
Transfer to tax-exempt reserves689€126k-
Profit (loss) for the period to be appropriated9905€214k€303k▲
Appropriation of the result
Profit (loss) to be appropriated9906€214k€303k▲
Transfer from equity791/2-€284k
Transfer to equity691/2€214k€303k▲
To other reserves6921€214k€303k▲
Profit to be distributed694/7-€284k
Return on contributions (dividend)694-€284k
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (16 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
04-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
18-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-01
Financial
Highest result since 2019net €564k ▲86.5%
Operating result €830k, net result €564k, both a record.
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-01
Financial
Weakest financial yearnet €104k ▼21.5%
Net result drops to €104k, the lowest in the series; recovery starts the following year.
31-01
Financial
Equity above €2MEq €2.01M ▲5.5%
2 profitable years in a row build equity to €2.01M.
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Deinze · 1 establishment unit since 2005
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.
Oudenaardsesteenweg 729800 DeinzeGround area
557 m²
Building footprint
142 m²
Volume, LiDAR
899 m³
Parcel 44054B0927/00F000, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HBP NV
since 20052.146.176.666
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44054B0927/00F000 | Flanders | 557 m² | 1 · 142 m² | 6.8 m · 2 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
LOTUS
BE 0536.384.462
Oostrozebeke · Eq €3.79M
V.W.I.C.
BE 0502.500.283
Antwerpen · Eq €3.78M
RESCOO
BE 0801.891.674
Oostkamp · Eq €3.82M
Lumastrid
BE 0894.190.441
Dendermonde · Eq €3.82M
AMS BOOGKEERS
BE 0634.906.471
Antwerpen · Eq €3.76M
Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 2,043 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded16-03-2005
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
68110Buying and selling of own real estate
70120
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.