HOBIN
ActiveHOBIN has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32k and a net result of €3k. Equity is shrinking by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 13% of 7692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability29▼-1
Solvency36▲+7
Growth58=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 3.32 against 10.41 in 2024; short-term debt: 29.7% and cash: 57.7% of total assets), but 88.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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
11.2%
Return on assets
1%
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 13% of 7692 sector peers (2025).
NBB · sector comparisonPosition among 7692 sector peers
Solvency
better than 13%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €32k
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
12 d late
2023
1 d early
2022
59 d early
2021
32 d early
2020
39 d early
2019
42 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€32k▲ 9.4%
2024 · €29k
2018: €74k
2019: €77k
2020: €98k
2021: €111k
2022: €-13k
2023: €22k
2024: €29k
2018 → 2025
Total assets
€283k▼ 56.6%
2024 · €653k
2018: €470k
2019: €471k
2020: €1.12M
2021: €954k
2022: €1.05M
2023: €636k
2024: €653k
2018 → 2025
Net result
€3k▼ 63.2%
2024 · €7k
2018: €-16k
2019: €3k
2020: €4k
2021: €13k
2022: €-124k
2023: €35k
2024: €7k
2018 → 2025
Working capital
€195k▼ 66.7%
2024 · €586k
2018: €368k
2019: €204k
2020: €910k
2021: €262k
2022: €385k
2023: €580k
2024: €586k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€111k-€-13k€22k€29k▲ 34.5%€32k▲ 9.4%
Operating result€32k-€-97k€79k€50k▼ 37.3%€77k▲ 55.6%
Net result€13k-€-124k€35k€7k▼ 78.6%€3k▼ 63.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 56% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €283k
Fixed assets
€4k▼ 22.9%
Current assets
€279k▼ 56.9%
Equity and liabilities €283k
Equity
€32k▲ 9.4%
Debt
€252k▼ 59.7%
The debt ratio falls from 95.6% to 88.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€80k▲
2024 · €52k
Cash flow
€5k▼
2024 · €10k
Solvency
11.2%▲
2024 · 4.4%
Current ratio
3.32▼
2024 · 10.41
Quick ratio
3.32▲
2024 · 1.08
Debt / equity
7.93▼
2024 · 21.52
ROE
8.6%▼
2024 · 25.7%
ROA
1.0%▼
2024 · 1.1%
Interest coverage
1.03▼
2024 · 1.19
Debt
€252k▼
2024 · €624k
Debt ≤ 1 year
€84k▲
2024 · €62k
Debt > 1 year
€168k▼
2024 · €562k
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€653k€283k▼
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Land and buildings22€4k€3k▼
Plant, machinery and equipment23€1k€0▼
Furniture and vehicles24-€1k
Current assets29/58€648k€279k▼
Stocks and contracts in progress3€580k€0▼
Stocks30/36€580k€0▼
Amounts receivable within one year40/41€26k€106k▲
Trade receivables40€22k€79k▲
Other amounts receivable41€4k€27k▲
Cash at bank and in hand54/58€25k€164k▲
Deferred charges and accrued income490/1€17k€9k▼
Equity and liabilities
Total equity and liabilities10/49€653k€283k▼
Equity10/15€29k€32k▲
Contributions10/11€85k€85k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-58k€-55k▲
Amounts payable17/49€624k€252k▼
Amounts payable after more than one year17€562k€168k▼
Financial debts170/4€562k€168k▼
Amounts payable within one year42/48€62k€84k▲
Current portion of amounts payable after more than one year42€4k€3k▼
Trade debts44€56k€80k▲
Suppliers440/4€56k€80k▲
Taxes, remuneration and social security45€29€107▲
Taxes450/3€29€107▲
Other amounts payable47/48€2k€1k▼
Accrued charges and deferred income492/3-€8
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€1k€520▼
Gross operating margin9900€53k€80k▲
Operating profit (loss)9901€50k€77k▲
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€1k▲
Non-recurring financial income76B-€1k
Financial charges65/66B€44k€77k▲
Recurring financial charges65€44k€77k▲
Profit (loss) for the period before taxes9903€7k€3k▼
Profit (loss) for the period9904€7k€3k▼
Profit (loss) for the period to be appropriated9905€7k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-58k€-55k▲
Profit (loss) brought forward from the previous period14P€-65k€-58k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (12 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 12 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
31-12
Financial
Liquidity times 8current ratio 13.09
Current ratio from 1.61 to 13.09; short-term debt falls from €631k to €48k.
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-124k ▼1075%
Net result drops to €-124k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €100kEq €111k ▲13%
3 profitable years in a row build equity to €111k.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity triplescurrent ratio 5.80
Current ratio from 1.81 to 5.80; short-term debt falls from €251k to €190k.
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 42 days late
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
07-06
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
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
12-01-2026
Resigned as Director
15-01-2020
Resigned as Director
Location & real-estate footprint
Registered office, Tienen · 1 establishment unit since 2006
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.
Aarschotsesteenweg(VSN) 4413300 TienenGround area
868 m²
Building footprint
128 m²
Parcel 24113E0098/00K000, Flanders. Linked by address, not a title deed.
1 establishment unit
Hobin
since 20062.151.973.209
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24113E0098/00K000 | Flanders | 868 m² | 1 · 128 m² | 0.0 m |
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
NUMIBAL BELGIUM
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BE 0696.685.969
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NANO
BE 0799.134.696
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FØMAR
BE 1019.187.809
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ROSARIO CONSTRUCT
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Of 15,542 companies in sector 43990 we hold annual accounts for 7,421. 5,730 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-01-2006
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0473661230