HoBoFisc
ActiveHoBoFisc has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €53k and a net result of €109k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 19% of 12708 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency44▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 1.03 in 2024; short-term debt: 77.8% and cash: 15.7% of total assets), and 81.4% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
18.6%
Return on assets
38.4%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 12708 sector peers (2025).
NBB · sector comparisonPosition among 12708 sector peers
Solvency
better than 19%
← 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 16-02-2026, 165 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
165 d early
2024
1 d early
2023
5 d early
2022
11 d early
2021
31 d late
2020
30 d late
2019
57 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€53k=
2024 · €53k
2018: €26k
2019: €55k
2020: €66k
2021: €75k
2022: €71k
2023: €53k
2024: €53k
2018 → 2025
Total assets
€284k▼ 11.7%
2024 · €321k
2018: €274k
2019: €275k
2020: €282k
2021: €241k
2022: €247k
2023: €271k
2024: €321k
2018 → 2025
Net result
€109k▲ 14.7%
2024 · €95k
2018: €2k
2019: €29k
2020: €11k
2021: €9k
2022: €35k
2023: €70k
2024: €95k
2018 → 2025
Working capital
€16k▲ 151%
2024 · €7k
2018: €-77k
2019: €-69k
2020: €104k
2021: €95k
2022: €60k
2023: €26k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€75k-€71k▼ 5.0%€53k▼ 25.7%€53k=€53k=
Operating result€15k-€47k▲ 206%€91k▲ 94.5%€126k▲ 38.7%€143k▲ 13.4%
Net result€9k-€35k▲ 315%€70k▲ 96.2%€95k▲ 36.5%€109k▲ 14.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 13% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €284k
Fixed assets
€46k▼ 26.0%
Current assets
€237k▼ 8.2%
Equity and liabilities €284k
Equity
€53k=
Debt
€231k▼ 14.0%
The debt ratio falls from 83.6% to 81.4%. Debt is lower.
Key figures and ratios
EBITDA
€159k▲
2024 · €144k
Cash flow
€125k▲
2024 · €112k
Solvency
18.6%▲
2024 · 16.4%
Current ratio
1.07▲
2024 · 1.03
Quick ratio
1.07▲
2024 · 1.03
Debt / equity
4.38▼
2024 · 5.09
ROE
206.6%▲
2024 · 180.1%
ROA
38.4%▲
2024 · 29.6%
Interest coverage
165.62▲
2024 · 116.98
Debt
€231k▼
2024 · €268k
Debt ≤ 1 year
€221k▼
2024 · €252k
Debt > 1 year
€9k▼
2024 · €16k
Income taxes
€34k▲
2024 · €31k
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€321k€284k▼
Fixed assets21/28€63k€46k▼
Tangible fixed assets22/27€63k€46k▼
Furniture and vehicles24€9k€0▼
Other tangible fixed assets26€53k€46k▼
Current assets29/58€259k€237k▼
Amounts receivable within one year40/41€101k€134k▲
Trade receivables40€101k€132k▲
Other amounts receivable41€0€1k▲
Current investments50/53€139k€59k▼
Cash at bank and in hand54/58€19k€44k▲
Equity and liabilities
Total equity and liabilities10/49€321k€284k▼
Equity10/15€53k€53k=
Contributions10/11€3k€3k=
Reserves13€50k€50k=
Distributable reserves133€50k€50k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€268k€231k▼
Amounts payable after more than one year17€16k€9k▼
Financial debts170/4€16k€9k▼
Amounts payable within one year42/48€252k€221k▼
Current portion of amounts payable after more than one year42€35k€8k▼
Trade debts44€84€9k▲
Suppliers440/4€84€9k▲
Taxes, remuneration and social security45€33k€32k▼
Taxes450/3€31k€30k▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€184k€172k▼
Accrued charges and deferred income492/3€0€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€16k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€145k€160k▲
Operating profit (loss)9901€126k€143k▲
Financial income75/76B€550€848▲
Recurring financial income75€550€848▲
Financial charges65/66B€1k€963▼
Recurring financial charges65€1k€963▼
Profit (loss) for the period before taxes9903€126k€143k▲
Income taxes67/77€31k€34k▲
Profit (loss) for the period9904€95k€109k▲
Profit (loss) for the period to be appropriated9905€95k€109k▲
Appropriation of the result
Profit (loss) to be appropriated9906€95k€109k▲
Transfer from equity791/2€0-
Profit to be distributed694/7€95k€109k▲
Return on contributions (dividend)694€95k€109k▲
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
16-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €109k ▲14.7%
Operating result €143k, net result €109k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Liquidity times 15current ratio 2.71
Current ratio from 0.18 to 2.71; short-term debt falls from €84k to €61k.
26-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 57 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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, Anzegem · 1 establishment unit since 2014
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.
Meersstraat 78573 AnzegemGround area
85 m²
Parcel 34037B0055/00K000, Flanders. Linked by address, not a title deed.
1 establishment unit
HoBoFisc
since 20142.227.636.375
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34037B0055/00K000 | Flanders | 85 m² | - | - |
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 · 4 entries · 4,334 EUR awarded · 4,319 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 456 EUR | 456 EUR |
| 2024 | 1 | 1,124 EUR | 1,109 EUR |
| 2023 | 1 | 348 EUR | 348 EUR |
| 2022 | 1 | 2,406 EUR | 2,406 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 6,003 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-03-2014
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:sehan@afinko.be
Phone:0497105381