HOBO SERVICE
ActiveHOBO SERVICE has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €217k and a net result of €18k. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 62% of 27676 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-7
Solvency83▼-17
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 2.4 against 6.65 in 2024; short-term debt: 35.2% and cash: 74.1% of total assets), and 42.1% 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 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
57.9%
Return on assets
4.9%
Age of the figures
9 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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
2 d early
2023
55 d early
2022
62 d early
2021
69 d early
2020
85 d early
2019
66 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€217k▼ 26.1%
2024 · €294k
2018: €104k
2019: €119k
2020: €149k
2021: €190k
2022: €242k
2023: €262k
2024: €294k
2018 → 2025
Total assets
€375k▼ 2.2%
2024 · €384k
2018: €262k
2019: €228k
2020: €210k
2021: €238k
2022: €289k
2023: €348k
2024: €384k
2018 → 2025
Net result
€18k▼ 56.3%
2024 · €42k
2018: €25k
2019: €15k
2020: €31k
2021: €42k
2022: €53k
2023: €35k
2024: €42k
2018 → 2025
Working capital
€184k▼ 28.4%
2024 · €258k
2018: €85k
2019: €87k
2020: €119k
2021: €165k
2022: €230k
2023: €244k
2024: €258k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€190k-€242k▲ 27.6%€262k▲ 8.3%€294k▲ 12.1%€217k▼ 26.1%
Operating result€58k-€75k▲ 29.9%€51k▼ 32.4%€62k▲ 21.9%€30k▼ 51.3%
Net result€42k-€53k▲ 27.4%€35k▼ 34.1%€42k▲ 19.3%€18k▼ 56.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 51% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €375k
Fixed assets
€59k▼ 26.8%
Current assets
€316k▲ 4.3%
Equity and liabilities €375k
Equity
€217k▼ 26.1%
Debt
€158k▲ 76.5%
The debt ratio rises from 23.3% to 42.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€52k▼
2024 · €83k
Cash flow
€40k▼
2024 · €64k
Solvency
57.9%▼
2024 · 76.7%
Current ratio
2.40▼
2024 · 6.65
Quick ratio
2.35▼
2024 · 6.64
Debt / equity
0.73▲
2024 · 0.30
ROE
8.4%▼
2024 · 14.2%
ROA
4.9%▼
2024 · 10.9%
Interest coverage
12.68▼
2024 · 19.48
Debt
€158k▲
2024 · €89k
Debt ≤ 1 year
€132k▲
2024 · €46k
Debt > 1 year
€26k▼
2024 · €44k
Income taxes
€9k▼
2024 · €16k
Staff costs
€54k▲
2024 · €50k
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€384k€375k▼
Fixed assets21/28€80k€59k▼
Tangible fixed assets22/27€80k€59k▼
Furniture and vehicles24€80k€59k▼
Financial fixed assets28€124€124=
Current assets29/58€303k€316k▲
Stocks and contracts in progress3€413€6k▲
Stocks30/36€413€6k▲
Amounts receivable within one year40/41€14k€33k▲
Trade receivables40€10k€27k▲
Other amounts receivable41€3k€5k▲
Cash at bank and in hand54/58€285k€278k▼
Deferred charges and accrued income490/1€4k€263▼
Equity and liabilities
Total equity and liabilities10/49€384k€375k▼
Equity10/15€294k€217k▼
Contributions10/11€8k€8k=
Reserves13€155k€75k▼
Distributable reserves133€155k€75k▼
Profit (loss) carried forward14€131k€134k▲
Amounts payable17/49€89k€158k▲
Amounts payable after more than one year17€44k€26k▼
Financial debts170/4€44k€26k▼
Amounts payable within one year42/48€46k€132k▲
Current portion of amounts payable after more than one year42€16k€18k▲
Trade debts44€623€2k▲
Suppliers440/4€623€2k▲
Taxes, remuneration and social security45€13k€9k▼
Taxes450/3€12k€6k▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€15k€104k▲
Accrued charges and deferred income492/3€100-
Income statement
Code20242025
Remuneration, social security and pensions62€50k€54k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k▼
Other operating charges640/8€4k€2k▼
Gross operating margin9900€137k€107k▼
Operating profit (loss)9901€62k€30k▼
Financial income75/76B€839€1k▲
Recurring financial income75€839€1k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€58k€27k▼
Income taxes67/77€16k€9k▼
Profit (loss) for the period9904€42k€18k▼
Profit (loss) for the period to be appropriated9905€42k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€166k€149k▼
Profit (loss) brought forward from the previous period14P€124k€131k▲
Transfer from equity791/2€10k€95k▲
Transfer to equity691/2€35k€15k▼
To other reserves6921€35k€15k▼
Profit to be distributed694/7€10k€95k▲
Return on contributions (dividend)694€10k€95k▲
The notes to these accounts (6 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 · micro schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €53k ▲27.4%
Operating result €75k, net result €53k, both a record.
31-12
Financial
Equity above €200kEq €242k ▲27.6%
5 profitable years in a row build equity to €242k.
23-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €190k ▲27.5%
4 profitable years in a row build equity to €190k.
07-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €15k ▼38.7%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
26-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
02-05
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, Aubel · 1 establishment unit since 1995
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.
Bois de Loë 50A4880 AubelGround area
2.1 ha
Building footprint
141 m²
Volume, LiDAR
893 m³
2 parcels, Wallonia · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bois de Loë 53 C, 4880 Aubel
since 19952.131.154.930
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63003A0917/00B000 | Wallonia | 2.0 ha | - | - |
| 63003A0916/00K004 | Wallonia | 955 m² | 1 · 141 m² | 7.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
MEULEMANS INVEST
BE 0646.777.984
Knokke-Heist · Eq €217k
ASSOCIATION-ARTISAN-TECHNICIEN DU HOME
BE 0425.070.727
Genappe · Eq €217k
SOMIDEL
BE 0422.892.680
Pecq · Eq €217k
JG ZINK
BE 0534.509.194
Beerse · Eq €218k
SVS
BE 0695.939.168
Balen · Eq €218k
Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,754 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-03-1995
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
45332
43211General electrical installation work
45310
Sources
Crossroads Bank for EnterprisesNational Bank · 31 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.