HOBECO
ActiveHOBECO has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.92M and a net result of €199k. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 87% of 829 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+5
Solvency100▲+23
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €230k at 30 days acceptable
Liquidity tight (current ratio 1.14 against 0.99 in 2024; short-term debt: 16.7% and cash: 8.2% of total assets), and 23.3% 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 41
Relative position
BE, all sectors
reference
Sector 41
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
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
76.7%
Return on assets
5.2%
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 11-08-2026, 11 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
11 d late
2024
27 d late
2023
14 d late
2022
3 d early
2021
16 d late
2020
24 d late
2019
21 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€199k▲ 851%
2024 · €21k
2018: €47k
2019: €39k
2020: €57k
2021: €224k
2022: €106k
2023: €13k
2024: €21k
2018 → 2025
Working capital
€89k
2024 · €-6k
2018: €-88k
2019: €-132k
2020: €-200k
2021: €-95k
2022: €-63k
2023: €-68k
2024: €-6k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€866k-€973k▲ 12.3%€986k▲ 1.4%€1.01M▲ 2.1%€2.92M▲ 190%
Operating result€286k-€136k▼ 52.4%€39k▼ 71.1%€51k▲ 29.8%€275k▲ 439%
Net result€224k-€106k▼ 52.5%€13k▼ 87.6%€21k▲ 58.0%€199k▲ 851%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 439% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.81M
Fixed assets
€3.08M▲ 119%
Current assets
€727k▲ 38.4%
Equity and liabilities €3.81M
Equity
€2.92M▲ 190%
Debt
€888k▼ 3.8%
The debt ratio falls from 47.8% to 23.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€478k▲
2024 · €238k
Cash flow
€402k▲
2024 · €208k
Solvency
76.7%▲
2024 · 52.2%
Current ratio
1.14▲
2024 · 0.99
Quick ratio
0.61▲
2024 · 0.48
Debt / equity
0.30▼
2024 · 0.92
ROE
6.8%▲
2024 · 2.1%
ROA
5.2%▲
2024 · 1.1%
Interest coverage
22.74▲
2024 · 9.47
Debt
€888k▼
2024 · €923k
Debt ≤ 1 year
€637k▲
2024 · €531k
Debt > 1 year
€250k▼
2024 · €371k
Income taxes
€56k▲
2024 · €6k
Staff costs
€514k▲
2024 · €417k
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€1.93M€3.81M▲
Fixed assets21/28€1.41M€3.08M▲
Tangible fixed assets22/27€1.41M€3.08M▲
Land and buildings22€678k€2.40M▲
Plant, machinery and equipment23€285k€390k▲
Furniture and vehicles24€346k€264k▼
Leasing and similar rights25€97k€31k▼
Current assets29/58€525k€727k▲
Stocks and contracts in progress3€269k€337k▲
Stocks30/36€269k€337k▲
Amounts receivable within one year40/41€76k€57k▼
Trade receivables40€66k€50k▼
Other amounts receivable41€10k€7k▼
Cash at bank and in hand54/58€175k€314k▲
Deferred charges and accrued income490/1€4k€19k▲
Equity and liabilities
Total equity and liabilities10/49€1.93M€3.81M▲
Equity10/15€1.01M€2.92M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Revaluation surpluses12-€1.71M
Reserves13€687k€687k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€681k€681k=
Profit (loss) carried forward14€258k€457k▲
Amounts payable17/49€923k€888k▼
Amounts payable after more than one year17€371k€250k▼
Financial debts170/4€371k€250k▼
Amounts payable within one year42/48€531k€637k▲
Current portion of amounts payable after more than one year42€148k€170k▲
Financial debts43€100k€100k=
Other loans439€100k€100k=
Trade debts44€126k€181k▲
Suppliers440/4€126k€181k▲
Advances received on contracts in progress46€84k€114k▲
Taxes, remuneration and social security45€73k€72k▼
Taxes450/3€42k€35k▼
Remuneration and social security454/9€30k€38k▲
Accrued charges and deferred income492/3€20k-
Income statement
Code20242025
Remuneration, social security and pensions62€417k€514k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€187k€204k▲
Other operating charges640/8€7k€9k▲
Non-recurring operating charges66A-€250
Gross operating margin9900€662k€1.00M▲
Operating profit (loss)9901€51k€275k▲
Financial income75/76B€846€1k▲
Recurring financial income75€846€1k▲
Financial charges65/66B€25k€21k▼
Recurring financial charges65€25k€21k▼
Profit (loss) for the period before taxes9903€27k€255k▲
Income taxes67/77€6k€56k▲
Profit (loss) for the period9904€21k€199k▲
Profit (loss) for the period to be appropriated9905€21k€199k▲
Appropriation of the result
Profit (loss) to be appropriated9906€258k€457k▲
Profit (loss) brought forward from the previous period14P€237k€258k▲
Social balance
Average headcount (FTE)90877.18.2▲
The notes to these accounts (16 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 11 days late
2025
31-12
Financial
Equity above €2MEq €2.92M ▲190%
8 profitable years in a row build equity to €2.92M.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
31-12
Financial
Equity above €1MEq €1.01M ▲2.1%
7 profitable years in a row build equity to €1.01M.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 14 days late
2023
31-12
Financial
Weakest financial yearnet €13k ▼87.6%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 16 days late
2021
31-12
Financial
Highest result since 2018net €224k ▲292%
Operating result €286k, net result €224k, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 24 days late
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 21 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Lier · 1 establishment unit since 1996
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.
Sander De Vosstraat 1432500 LierGround area
6,819 m²
Building footprint
1,570 m²
Volume, LiDAR
7,375 m³
Parcel 12019C0066/02B000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HOBECO
since 19962.079.091.070
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12019C0066/02B000 | Flanders | 6,818 m² | 1 · 1,570 m² | 7.1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 8,027 EUR awarded · 8,379 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 1,100 EUR | 1,100 EUR |
| 2024 | 1 | 105 EUR | 105 EUR |
| 2023 | 1 | 70 EUR | 422 EUR |
| 2022 | 2 | 6,752 EUR | 6,752 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Premie kwalificerend werkplekleren
Recognitions · licences · registrations
Dual-learning approval
2 live approvalsBinnen- en buitenschrijnwerk duaal (so)
Schrijnwerker houtbouw duaal (so)
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 3,017 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded31-10-1996
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
45211
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 29 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.