HOBBYVAL
ActiveSummary
The annual accounts of HOBBYVAL for fiscal year 2025 show a net loss of 76% of the equity at the start of that year. The 2025 annual accounts show equity of €14k and a net result of €-44k. Equity is shrinking by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 24% of 18280 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▲+18
Solvency27▼-48
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.44 against 2.0 in 2024; short-term debt: 98% and cash: 4% of total assets), and 98% 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+raises risk○neutral
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 · 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 · 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 2025Solvency, return and age of the figures
Solvency
2%
Return on assets
-6.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 18280 sector peers (2025).
NBB · sector comparisonPosition among 18280 sector peers
Solvency
better than 24%
← weakest
strongest →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d late
2023
1 d late
2022
4 d late
2021
1 d late
2020
9 d late
2019
14 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▼ 75.8%
2024 · €57k
2018: €52k
2019: €53k
2020: €65k
2021: €62k
2022: €58k
2023: €55k
2024: €57k
2018 → 2025
Total assets
€682k▲ 493%
2024 · €115k
2018: €97k
2019: €99k
2020: €110k
2021: €123k
2022: €126k
2023: €124k
2024: €115k
2018 → 2025
Net result
€-44k
2024 · €3k
2018: €2k
2019: €1k
2020: €12k
2021: €-3k
2022: €-4k
2023: €-3k
2024: €3k
2018 → 2025
Working capital
€-372k
2024 · €57k
2018: €52k
2019: €53k
2020: €65k
2021: €62k
2022: €57k
2023: €55k
2024: €57k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€62k-€58k▼ 7.0%€55k▼ 4.7%€57k▲ 4.8%€14k▼ 75.8%
Operating result€-3k-€-4k▼ 45.6%€-3k▲ 40.0%€3k€-44k
Net result€-3k-€-4k▼ 47.2%€-3k▲ 37.9%€3k€-44k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €44k after €3k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €682k
Fixed assets
€385k ▲ 154,078%
Current assets
€297k ▲ 159%
Equity and liabilities €682k
Equity
€14k ▼ 75.8%
Debt
€668k ▲ 1,063%
Debt's share of the balance-sheet total rises from 50.0% to 98.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€15k
Cash flow
€15k
Current ratio
0.44▼
2024 · 2.00
Quick ratio
0.05▼
2024 · 0.70
Debt to equity
48.01▲
2024 · 1.00
ROE
-313.0%▼
2024 · 4.6%
ROA
-6.4%▼
2024 · 2.3%
Interest coverage
306.62
Debt ≤ 1 year
€668k▲
2024 · €57k
Staff costs
€133k▲
2024 · €88k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€115k€682k▲
Fixed assets21/28€250€385k▲
Intangible fixed assets21€0€5k▲
Tangible fixed assets22/27€0€380k▲
Land and buildings22-€376k
Plant, machinery and equipment23€0€5k▲
Furniture and vehicles24€0€0=
Financial fixed assets28€250€250=
Current assets29/58€115k€297k▲
Stocks and contracts in progress3€75k€264k▲
Stocks30/36€75k€264k▲
Amounts receivable within one year40/41€33k€5k▼
Trade receivables40€33k€5k▼
Other amounts receivable41€948-
Cash at bank and in hand54/58€7k€27k▲
Deferred charges and accrued income490/1-€835
Equity and liabilities
Total equity and liabilities10/49€115k€682k▲
Equity10/15€57k€14k▼
Contributions10/11€6k€6k=
Reserves13€59k€59k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€55k€55k=
Profit (loss) carried forward14€-7k€-51k▼
Amounts payable17/49€57k€668k▲
Amounts payable within one year42/48€57k€668k▲
Financial debts43€84€24▼
Credit institutions430/8€84€24▼
Trade debts44€16k€48k▲
Suppliers440/4€16k€48k▲
Advances received on contracts in progress46€27k-
Taxes, remuneration and social security45€13k€41k▲
Taxes450/3€55€10k▲
Remuneration and social security454/9€13k€31k▲
Other amounts payable47/48€1k€580k▲
Income statement
Code20242025
Remuneration, social security and pensions62€88k€133k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€58k
Other operating charges640/8€733€4k▲
Gross operating margin9900€92k€152k▲
Operating profit (loss)9901€3k€-44k▼
Financial income75/76B-€109
Recurring financial income75-€109
Financial charges65/66B€171€48▼
Recurring financial charges65€171€48▼
Profit (loss) for the period before taxes9903€3k€-44k▼
Profit (loss) for the period9904€3k€-44k▼
Profit (loss) for the period to be appropriated9905€3k€-44k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-51k▼
Profit (loss) brought forward from the previous period14P€-10k€-7k▲
The notes to these accounts (10 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-44k ▼1743%
Net result drops to €-44k, the lowest in the series.
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after 3 loss-making years.
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-12
Financial
Highest result since 2018net €12k ▲956%
Operating result €17k, net result €12k, both a record.
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 4 days late
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, Clavier · 2 establishment units since 2001
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 de la Gendarmerie 934560 ClavierGround area
6,309 m²
Building footprint
1,531 m²
Volume, LiDAR
1,835 m³
3 parcels, Wallonia · tallest building 13.4 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
HOBBYVAL – DS Lingerie
since 20012.094.418.357
Jardinerie d'Ohey
since 20252.376.322.430
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61012I0081/00W016 | Wallonia | 2,776 m² | 1 · 495 m² | 13.4 m · 1 fl. |
| 91064E0286/00R003 | Wallonia | 1,944 m² | 1 · 283 m² | - |
| 92097C0045/00C003 | Wallonia | 1,590 m² | 1 · 753 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesHavelange2.094.418.357
Ohey2.376.322.430
Similar companies · same sector, comparable size
BARK 'N' BITE
BE 0799.388.084
Stabroek · Eq €13,778
MP PET BELGIUM
BE 0897.957.407
Beveren-Kruibeke-Zwijndrecht · Eq €14,205
CAM & Cie
BE 0778.869.814
Fléron · Eq €14,223
OISELLERIE DU BORINAGE
BE 0462.793.928
Mons · Eq €14,277
Allround Management
BE 0699.717.715
Huldenberg · Eq €14,530
Of 1,330 companies in sector 47762 we hold annual accounts for 479. 240 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-03-2001
Fiscal year end31-12
Activities, NACEBEL 2025
46216Wholesale of agricultural produce and animal feed, general range
47762Retail sale of pets, pet food and pet supplies
47761Retail sale of flowers, plants, seeds and fertilisers
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.