HIBCO
ActiveHIBCO has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €261k and a net result of €87k. Equity is growing by ~48.9% per year across the filed fiscal years. Its solvency ranks better than 85% of 16906 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 8.58 against 5.72 in 2024), and 11.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
88.4%
Return on assets
29.4%
Age of the figures
8 mo
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 05-02-2026, 176 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
176 d early
2024
31 d early
2023
24 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€261k▲ 49.9%
2024 · €174k
2023: €91k
2024: €174k
2023 → 2025
Total assets
€295k▲ 40.1%
2024 · €211k
2023: €126k
2024: €211k
2023 → 2025
Net result
€87k▲ 4.0%
2024 · €84k
2023: €91k
2024: €84k
2023 → 2025
Working capital
€261k▲ 50.3%
2024 · €173k
2023: €90k
2024: €173k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€91k-€174k▲ 92.2%€261k▲ 49.9%
Operating result€116k-€107k▼ 8.2%€111k▲ 4.2%
Net result€91k-€84k▼ 7.8%€87k▲ 4.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 4% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €295k
Fixed assets
€301▼ 56.7%
Current assets
€295k▲ 40.4%
Equity and liabilities €295k
Equity
€261k▲ 49.9%
Debt
€34k▼ 6.4%
The debt ratio falls from 17.4% to 11.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€112k▲
2024 · €107k
Cash flow
€87k▲
2024 · €84k
Solvency
88.4%▲
2024 · 82.6%
Current ratio
8.58▲
2024 · 5.72
Quick ratio
8.58▲
2024 · 5.72
Debt / equity
0.13▼
2024 · 0.21
ROE
33.3%▼
2024 · 48.0%
ROA
29.4%▼
2024 · 39.6%
Interest coverage
1597.09▼
2024 · 1982.35
Debt
€34k▼
2024 · €37k
Debt ≤ 1 year
€34k▼
2024 · €37k
Income taxes
€24k▲
2024 · €23k
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€211k€295k▲
Fixed assets21/28€695€301▼
Tangible fixed assets22/27€695€301▼
Furniture and vehicles24€695€301▼
Current assets29/58€210k€295k▲
Amounts receivable within one year40/41€16k€12k▼
Trade receivables40€16k€12k▼
Other amounts receivable41-€476
Cash at bank and in hand54/58€193k€282k▲
Deferred charges and accrued income490/1€911€936▲
Equity and liabilities
Total equity and liabilities10/49€211k€295k▲
Equity10/15€174k€261k▲
Contributions10/11€1€1=
Profit (loss) carried forward14€174k€261k▲
Amounts payable17/49€37k€34k▼
Amounts payable within one year42/48€37k€34k▼
Trade debts44€727€570▼
Suppliers440/4€727€570▼
Taxes, remuneration and social security45€34k€34k▼
Taxes450/3€34k€34k▼
Other amounts payable47/48€2k€86▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€394€394=
Other operating charges640/8€691€931▲
Gross operating margin9900€108k€113k▲
Operating profit (loss)9901€107k€111k▲
Financial charges65/66B€54€70▲
Recurring financial charges65€54€70▲
Profit (loss) for the period before taxes9903€107k€111k▲
Income taxes67/77€23k€24k▲
Profit (loss) for the period9904€84k€87k▲
Profit (loss) for the period to be appropriated9905€84k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€174k€261k▲
Profit (loss) brought forward from the previous period14P€91k€174k▲
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
05-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €261k ▲49.9%
3 profitable years in a row build equity to €261k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €84k ▼7.8%
Net result drops to €84k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €174k ▲92.2%
2 profitable years in a row build equity to €174k.
07-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Merchtem · 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.
Dendermondestraat 291785 MerchtemGround area
143 m²
Building footprint
74 m²
Volume, LiDAR
464 m³
Parcel 23602H0385/00K004, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HIBCO
since 20222.340.368.983
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23602H0385/00K004 | Flanders | 143 m² | 1 · 74 m² | 9.8 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
D2D
BE 0864.806.270
Wichelen · Eq €261k
HERDANI
BE 0897.114.297
Rixensart · Eq €261k
ATHOGA
BE 0475.633.560
Sint-Pieters-Woluwe · Eq €261k
KEY CONSULTING
BE 0472.495.017
Aarschot · Eq €261k
Lemniscatus
BE 0806.966.358
Laakdal · Eq €261k
Of 29,885 companies in sector 62200 we hold annual accounts for 18,321. 14,046 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
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.