HEBEL & MARGO
ActiveThe computed 12-month bankruptcy probability of HEBEL & MARGO is 2.3% (moderate). The 2024 annual accounts show equity of €30k and a net result of €5k. Its solvency ranks better than 55% of 26053 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability76▼-24
Solvency63▲+11
Growth52
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.47 against 1.19 in 2023; short-term debt: 62.3% and cash: 1.1% of total assets), and 62.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
37.7%
Return on assets
5.8%
Age of the figures
20 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-11-2025, 105 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
105 d late
2023
86 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€30k▲ 18.4%
2023 · €25k
2023: €25k
2023 → 2024
Total assets
€80k▼ 13.7%
2023 · €93k
2023: €93k
2023 → 2024
Net result
€5k▼ 87.7%
2023 · €38k
2023: €38k
2023 → 2024
Working capital
€24k▲ 83.5%
2023 · €13k
2023: €13k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€25k-€30k▲ 18.4%
Operating result€38k-€5k▼ 85.7%
Net result€38k-€5k▼ 87.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 86% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €80k
Fixed assets
€7k▼ 47.7%
Current assets
€73k▼ 8.3%
Equity and liabilities €80k
Equity
€30k▲ 18.4%
Debt
€50k▼ 25.8%
The debt ratio falls from 72.5% to 62.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11k▼
2023 · €44k
Cash flow
€11k▼
2023 · €43k
Solvency
37.7%▲
2023 · 27.5%
Current ratio
1.47▲
2023 · 1.19
Quick ratio
1.47▲
2023 · 1.19
Debt / equity
1.65▼
2023 · 2.64
ROE
15.5%▼
2023 · 149.2%
ROA
5.8%▼
2023 · 41.0%
Interest coverage
14.75▼
2023 · 259.81
Debt
€50k▼
2023 · €67k
Debt ≤ 1 year
€50k▼
2023 · €67k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€93k€80k▼
Fixed assets21/28€13k€7k▼
Tangible fixed assets22/27€13k€7k▼
Furniture and vehicles24€13k€7k▼
Current assets29/58€80k€73k▼
Amounts receivable within one year40/41€61k€72k▲
Trade receivables40€61k€67k▲
Other amounts receivable41€736€5k▲
Cash at bank and in hand54/58€19k€840▼
Equity and liabilities
Total equity and liabilities10/49€93k€80k▼
Equity10/15€25k€30k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€23k€28k▲
Amounts payable17/49€67k€50k▼
Amounts payable within one year42/48€67k€50k▼
Trade debts44€30k€27k▼
Suppliers440/4€30k€27k▼
Taxes, remuneration and social security45€11k€8k▼
Taxes450/3€11k€8k▼
Other amounts payable47/48€26k€15k▼
Income statement
Code20232024
Goods, raw materials, services and sundry goods60/61€50k€93k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8-€177
Gross operating margin9900€44k€12k▼
Operating profit (loss)9901€38k€5k▼
Financial income75/76B-€15
Recurring financial income75-€15
Financial charges65/66B€168€777▲
Recurring financial charges65€168€777▲
Profit (loss) for the period before taxes9903€38k€5k▼
Profit (loss) for the period9904€38k€5k▼
Profit (loss) for the period to be appropriated9905€38k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€28k▼
Profit (loss) brought forward from the previous period14P-€23k
Profit to be distributed694/7€15k-
Directors or managers695€15k-
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
13-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 105 days late
2024
25-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 86 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Tielt-Winge · 1 establishment unit since 2022
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.
Kapellekensweg 323391 Tielt-WingeGround area
597 m²
Building footprint
126 m²
Volume, LiDAR
927 m³
Parcel 24067C0200/02K000, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HEBEL & MARGO
since 20222.340.322.661
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24067C0200/02K000 | Flanders | 597 m² | 1 · 125 m² | 10.8 m · 3 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.
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CAFFEMOBILE.BE
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Of 12,979 companies in sector 47120 we hold annual accounts for 2,186. 1,452 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-11-2022
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.