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HEBOA

Active
Private limited companyfounded 20179 yrs activeAelbekesteenweg 153, 7700 Mouscron, BelgiumKBO/BCE: BE 0671.699.957
Summary

HEBOA has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €57,020 and a net result of -€12,117. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 70% of 5299 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch ReportCompare
HEBOAActiveChecked score 85/100
Risk analysis ReportCompare

Overview

Activity
Day spas, saunas and steam baths
NACE 96230NACE 96040
1 site
Size
€108,493total assets 2025
Equity
€57,020
Loss
-€12,117
Turnover not published (abridged schema)
Financial health
85 Excellent Checked score 2025
Bankruptcy chance 12 m
0.3%
Structure
Accounts 13 d early1 of 8 deeds read
Why 85- Loss of €12,117 (FY 2025)+ Liquidity: current ratio 2.10, cash €27,537+ Equity €57,020 (52.6% of total assets)+ Figures for FY 2025 (filed 23-04-2026)Show the evidence

Checked score

Score 2025
85 / 100
Excellent
Probability in this band: under 0.55%
Better than 44% of its sector peers (NACE 96, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 78-22
equity 52.6% of total assets
Liquidity 58+6
short-term debt 47.4% · cash 25.4%
Profitability 10-90
return on assets -11.2%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (7,533 companies)
Last 24 months 11-2024: 0.9% 12-2024: 0.9%▼ -2.7% vs 11-2024 01-2025: 1.0%▲ +14.0% vs 12-2024 02-2025: 1.2%▲ +21.3% vs 01-2025highest value 03-2025: 1.2%▼ -2.7% vs 02-2025 04-2025: 1.1%▼ -8.3% vs 03-2025 05-2025: 0.5%▼ -51.2% vs 04-2025 06-2025: 0.5%▲ +0.6% vs 05-2025 07-2025: 0.5%▼ -6.4% vs 06-2025 08-2025: 0.5%● 0.0% vs 07-2025 09-2025: 0.5%● 0.0% vs 08-2025 10-2025: 0.5%● 0.0% vs 09-2025 11-2025: 0.5%● 0.0% vs 10-2025 12-2025: 0.5%▼ -1.2% vs 11-2025 01-2026: 0.6%▲ +16.6% vs 12-2025 02-2026: 0.6%▲ +0.9% vs 01-2026 03-2026: 0.6%▲ +0.9% vs 02-2026 04-2026: 0.7%▲ +18.4% vs 03-2026 05-2026: 0.3%▼ -53.9% vs 04-2026 06-2026: 0.3%▲ +0.6% vs 05-2026 07-2026: 0.3%● 0.0% vs 06-2026 08-2026: 0.3%▼ -0.9% vs 07-2026 09-2026: 0.3%● 0.0% vs 08-2026 10-2026: 0.3%▼ -0.9% vs 09-2026lowest value
  • Loss of €12,117 (FY 2025) raises the probability
  • Liquidity: current ratio 2.10, cash €27,537 lowers the probability
  • Equity €57,020 (52.6% of total assets) lowers the probability
  • Figures for FY 2025 (filed 23-04-2026) lowers the probability
Credit up to €4,500 at 30 days acceptable
Liquidity ample (current ratio 2.1 against 4.0 in 2024; short-term debt: 47.4% and cash: 25.4% of total assets), and 47.4% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 96, micro). Better than this share of them on solvency 70%, liquidity 62%, profitability 20%, growth against the median 24%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Loss of €12,117 (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Liquidity: current ratio 2.10, cash €27,537
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €57,020 (52.6% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 23-04-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 17-04-2026, 13 days ahead of the deadline.
NBB · 8 filings
Deviation from the deadline
2025
13 d early
2024
33 d early
2023
33 d early
2022
30 d early
2021
43 d early
2020
16 d early
2019
23 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 27 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 29 March (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close03-10-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Capital & sharesShareholding · Share transfer
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Caution: From profit to loss in 2025after €48,981 in 2024 -€12,117 View
  • Caution: Among the weakest 13% on net resultsector median €2,850 · 5,304 companies -€12,117 View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View

By topic

Financials

Fiscal year
2025
Total assets
€108,493
Loss
-€12,117
Solvency
52.6%
Total assets▲ 17.9%
Net result
20192025
Go to Financials

Timeline

Events
12
Since
2019
Next accounts
by 30-04-2027
  1. 17-04-2026Annual accounts filed
  2. 30-03-2026Capital & shares
  3. 28-03-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Day spas, saunas and steam bathsNACE 96230
Founded
21-02-2017
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

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