HOBBY MOTO
ActiveHOBBY MOTO has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €583k and a net result of €15k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 73% of 10331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▲+3
Solvency86▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.37 against 2.3 in 2024; short-term debt: 39.3% and cash: 3.5% of total assets), and 39.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 →
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
60.6%
Return on assets
1.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 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 · 10 filingsDeviation from the deadline
2025
5 d late
2024
12 d late
2023
13 d late
2022
16 d late
2021
19 d late
2020
26 d late
2019
34 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€1.60M
EBIT margin
0.6%
Net result
€15k▲ 471%
2024 · €3k
2018: €17k
2019: €7k
2020: €11k
2021: €12k
2022: €8k
2023: €12k
2024: €3k
2018 → 2025
Working capital
€520k▲ 5.0%
2024 · €495k
2018: €436k
2019: €466k
2020: €482k
2021: €511k
2022: €515k
2023: €482k
2024: €495k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€545k-€554k▲ 1.5%€566k▲ 2.2%€568k▲ 0.5%€583k▲ 2.7%
Operating result€29k-€19k▼ 34.2%€31k▲ 64.1%€25k▼ 20.5%€37k▲ 50.1%
Net result€12k-€8k▼ 29.9%€12k▲ 49.4%€3k▼ 78.2%€15k▲ 471%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 50% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €963k
Fixed assets
€65k▼ 16.4%
Current assets
€899k▲ 2.7%
Equity and liabilities €963k
Equity
€583k▲ 2.7%
Debt
€380k▼ 1.2%
The debt ratio falls from 40.3% to 39.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€51k▲
2024 · €40k
Cash flow
€29k▲
2024 · €18k
Solvency
60.6%▲
2024 · 59.7%
Current ratio
2.37▲
2024 · 2.30
Quick ratio
0.34▼
2024 · 0.35
Debt / equity
0.65▼
2024 · 0.68
ROE
2.6%▲
2024 · 0.5%
ROA
1.6%▲
2024 · 0.3%
Interest coverage
3.60▲
2024 · 3.50
Debt
€380k▼
2024 · €384k
Debt ≤ 1 year
€378k▼
2024 · €380k
Debt > 1 year
€1k▼
2024 · €4k
Income taxes
€10k▼
2024 · €12k
Staff costs
€231k▲
2024 · €213k
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€953k€963k▲
Fixed assets21/28€77k€65k▼
Intangible fixed assets21€9k€7k▼
Tangible fixed assets22/27€68k€58k▼
Land and buildings22€24k€24k=
Plant, machinery and equipment23€38k€30k▼
Furniture and vehicles24€6k€3k▼
Current assets29/58€875k€899k▲
Stocks and contracts in progress3€742k€769k▲
Stocks30/36€742k€769k▲
Amounts receivable within one year40/41€74k€95k▲
Trade receivables40€57k€65k▲
Other amounts receivable41€17k€30k▲
Cash at bank and in hand54/58€45k€34k▼
Deferred charges and accrued income490/1€15k-
Equity and liabilities
Total equity and liabilities10/49€953k€963k▲
Equity10/15€568k€583k▲
Contributions10/11€68k€68k=
Reserves13€451k€451k=
Distributable reserves133€451k€451k=
Profit (loss) carried forward14€49k€64k▲
Amounts payable17/49€384k€380k▼
Amounts payable after more than one year17€4k€1k▼
Financial debts170/4€4k€1k▼
Amounts payable within one year42/48€380k€378k▼
Current portion of amounts payable after more than one year42€49k€48k▼
Financial debts43€165k€165k=
Credit institutions430/8€165k€165k=
Trade debts44€129k€125k▼
Suppliers440/4€129k€125k▼
Taxes, remuneration and social security45€37k€40k▲
Taxes450/3€5k€7k▲
Remuneration and social security454/9€32k€34k▲
Income statement
Code20242025
Remuneration, social security and pensions62€213k€231k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼
Other operating charges640/8€14k€14k▼
Non-recurring operating charges66A€6k-
Gross operating margin9900€274k€296k▲
Operating profit (loss)9901€25k€37k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€11k€14k▲
Recurring financial charges65€11k€14k▲
Profit (loss) for the period before taxes9903€15k€25k▲
Income taxes67/77€12k€10k▼
Profit (loss) for the period9904€3k€15k▲
Profit (loss) for the period to be appropriated9905€3k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€49k€64k▲
Profit (loss) brought forward from the previous period14P€47k€49k▲
The notes to these accounts (13 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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 5 days late
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 12 days late
2024
31-12
Financial
Weakest financial yearnet €3k ▼78.2%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Mons · 1 establishment unit since 1998
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.
Rue du Grand Courant 197033 MonsGround area
2,814 m²
Building footprint
1,095 m²
Volume, LiDAR
6,367 m³
Parcel 53019A0234/00Z000, Wallonia · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HOBBY MOTO
since 19982.086.707.748
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53019A0234/00Z000 | Wallonia | 2,814 m² | 1 · 1,095 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
GARAGE NULENS & DOCHTER
BE 0887.628.291
Nieuwerkerken (Limb.) · Eq €581k
TANKSTATION DE KINDEREN
BE 0457.239.588
Ravels · Eq €586k
VAN DRIESSCHE
BE 0451.462.150
Denderleeuw · Eq €590k
GARNIER
BE 0425.286.305
Sprimont · Eq €576k
PETROLEUM PRODUKTEN FVP
BE 0435.823.968
Kontich · Eq €575k
Of 1,267 companies in sector 47300 we hold annual accounts for 946. 619 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded16-04-1998
Fiscal year end31-12
Activities, NACEBEL
45402
47300Retail sale of automotive fuel
47830Retail sale of motorcycles and motorcycle parts and accessories
50400Inland freight water transport
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47715Retail trade
50200
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.