Equity
Equity fell by 59% in 9 years.
Equity fell by 59% in 9 years.
The last five annual accounts were filed 22 to 87 days before the end of the period.
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, small). It does better than 82% of them on solvency, 50% on liquidity, 45% on profitability and 56% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 544 companies had the same profile as HOBOKEN FINANCE has now. Each dot stands for 2 companies, two years later.
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of HOBOKEN FINANCE itself: 0.1% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 544 companies, not a prediction for HOBOKEN FINANCE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Short-term debt is 0.1% and cash 0.2% of total assets. 0.1% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 51 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
HOBOKEN FINANCE has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6.7m and a net result of €99,858.
Equity has been stable since 2018 (±0.9% per year). The computed 12-month bankruptcy probability is 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover: not included in this filing.
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||||||||
20/58 |
6.7m | 6.6m | 6.5m | 6.5m | 6.5m | 6.4m | 6.5m | 6.6m | 16.8m | 16.7m | 16.9m | 16.5m | |
29/58 |
6.7m | 6.6m | 6.5m | 6.5m | 6.5m | 6.4m | 6.5m | 6.6m | 16.8m | 16.7m | 16.9m | 16.5m | |
29 |
6.5m | 6.4m | 6.3m | 6.3m | 6.3m | 6.2m | 6.3m | 6.4m | 16.3m | 16.2m | 16.1m | 16.1m | |
291 |
6.5m | 6.4m | 6.3m | 6.3m | 6.3m | 6.2m | 6.3m | 6.4m | 16.3m | 16.2m | 16.1m | 16.1m | |
40/41 |
197,446 | 194,912 | 192,296 | 192,003 | 190,128 | 189,255 | 191,635 | 192,376 | 490,476 | 488,935 | 550,000 | 390,433 | |
40 |
197,446 | 194,912 | 192,296 | 192,003 | 190,128 | 189,255 | 191,635 | 192,376 | 490,476 | 488,935 | 550,000 | - | |
41 |
- | - | - | - | - | - | - | - | - | - | - | 390,433 | |
54/58 |
13,228 | 8,955 | 12,377 | 27,072 | 11,520 | 23,527 | 6,153 | 3,978 | 13,571 | 17,445 | 281,297 | - | |
| Balance sheet: equity and liabilities | |||||||||||||
10/49 |
6.7m | 6.6m | 6.5m | 6.5m | 6.5m | 6.4m | 6.5m | 6.6m | 16.8m | 16.7m | 16.9m | 16.5m | |
10/15 |
6.7m | 6.6m | 6.5m | 6.4m | 6.4m | 6.4m | 6.3m | 6.3m | 6.3m | 16.4m | 16.3m | 16.2m | |
10/11 |
62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | - | |
10 |
62,000 | 62,000 | 62,000 | 62,000 | 62,000 | - | - | - | - | - | - | 62,000 | |
100 |
62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | |
13 |
6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | |
130/1 |
6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | - | - | - | - | - | - | |
130 |
6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | |
14 |
6.7m | 6.6m | 6.5m | 6.4m | 6.3m | 6.3m | 6.3m | 6.3m | 6.3m | 16.3m | 16.2m | 16.1m | |
17/49 |
9,103 | 2,155 | 6,424 | 76,618 | 75,000 | 77,765 | 112,133 | 241,101 | 10.5m | 315,000 | 580,871 | 300,000 | |
42/48 |
9,103 | 2,155 | 6,424 | 76,618 | 75,000 | 77,765 | 112,133 | 241,101 | 10.5m | 315,000 | 580,871 | 300,000 | |
44 |
363 | 0 | 94 | 411 | 0 | 351 | 0 | 30,601 | 30,250 | - | 871 | - | |
440/4 |
363 | 0 | 94 | 411 | 0 | 351 | 0 | 30,601 | 30,250 | - | 871 | - | |
45 |
8,740 | 2,155 | 6,330 | 22,206 | 21,000 | 2,415 | 32,133 | 30,500 | 20,000 | 15,000 | 80,000 | 50,000 | |
450/3 |
8,740 | 2,155 | 6,330 | 22,206 | 21,000 | 2,415 | 32,133 | 30,500 | 20,000 | 15,000 | 80,000 | 50,000 | |
47/48 |
- | - | 0 | 54,000 | 54,000 | 75,000 | 80,000 | 180,000 | 10.4m | 300,000 | 500,000 | 250,000 | |
| Income statement | |||||||||||||
9900 |
-52,639 | -65,165 | -63,453 | -63,978 | -62,697 | -64,281 | -64,808 | -64,661 | -62,722 | -61,987 | -64,604 | - | |
640/8 |
11,618 | 1,086 | 1,069 | 970 | 16,719 | 17,768 | 17,766 | 21,964 | 962 | 1,160 | 348 | - | |
9901 |
-64,257 | -66,250 | -64,523 | -64,948 | -79,416 | -82,049 | -82,574 | -86,625 | -63,684 | -63,147 | -64,952 | - | |
75/76B |
197,446 | 194,912 | 192,296 | 192,003 | 190,128 | 189,255 | 191,635 | 292,650 | 490,476 | 488,935 | 814,965 | - | |
75 |
197,446 | 194,912 | 192,296 | 192,003 | 190,128 | 189,255 | 191,635 | 292,650 | 490,476 | 488,935 | 814,965 | 390,433 | |
65/66B |
45 | 44 | 39 | 39 | 37 | 30 | 26 | 24 | 24 | 24 | 18 | - | |
65 |
45 | 44 | 39 | 39 | 37 | 30 | 26 | 24 | 24 | 24 | 18 | - | |
9903 |
133,144 | 128,618 | 127,735 | 127,016 | 110,675 | 107,176 | 109,035 | 206,001 | 426,768 | 425,765 | 749,995 | 390,433 | |
67/77 |
33,286 | 32,155 | 31,943 | 32,206 | 25,044 | 12,815 | 8,633 | 34,545 | 69,352 | 49,810 | 140,002 | 50,000 | |
9904 |
99,858 | 96,464 | 95,792 | 94,810 | 85,631 | 94,361 | 100,402 | 171,456 | 357,416 | 375,955 | 609,993 | 340,433 | |
789 |
- | - | - | - | - | - | - | - | - | - | - | 2,188 | |
9905 |
99,858 | 96,464 | 95,792 | 94,810 | 85,631 | 94,361 | 100,402 | 171,456 | 357,416 | 375,955 | 609,993 | 342,621 | |
| Appropriation of the result | |||||||||||||
9906 |
6.7m | 6.6m | 6.5m | 6.4m | 6.4m | 6.4m | 6.4m | 6.4m | 16.7m | 16.6m | 16.7m | 16.4m | |
14P |
6.6m | 6.5m | 6.4m | 6.3m | 6.3m | - | - | - | - | - | - | 16.0m | |
691/2 |
- | - | - | - | - | - | - | - | - | - | - | 348 | |
691 |
- | - | - | - | - | - | - | - | - | - | - | 317 | |
6920 |
- | - | - | - | - | - | - | - | - | - | - | 31 | |
694/7 |
- | - | 0 | 54,000 | 54,000 | 75,000 | 80,000 | 180,000 | 10.4m | 300,000 | 500,000 | - | |
694 |
- | - | 0 | 54,000 | 54,000 | - | 0 | 100,000 | 10.3m | 300,000 | 500,000 | 250,000 | |
695 |
- | - | - | - | 0 | 75,000 | 80,000 | 80,000 | 100,000 | - | - | - | |
| Social balance sheet | |||||||||||||
9087 |
0 | 0 | 0 | - | - | - | - | - | - | - | - | - | |
| Document | |||||||||||||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 09-07-2026.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | full format | 09-07-2026 | 2026-00274335 | |
| 31-12-2024 | abbreviated format | 05-05-2025 | 2025-00089786 | |
| 31-12-2023 | abbreviated format | 04-06-2024 | 2024-00109500 | |
| 31-12-2022 | abbreviated format | 07-07-2023 | 2023-00214574 | |
| 31-12-2021 | abbreviated format | 27-06-2022 | 2022-20095583 | |
| 31-12-2020 | micro format | 18-05-2021 | 2021-14300507 | |
| 31-12-2019 | micro format | 04-06-2020 | 2020-14800309 | |
| 31-12-2018 | micro format | 10-05-2019 | 2019-12900061 | |
| 31-12-2017 | abbreviated format | 14-06-2018 | 2018-19500347 | |
| 31-12-2016 | abbreviated format | 14-06-2017 | 2017-17700369 | |
| 31-12-2015 | abbreviated format | 09-05-2016 | 2016-12100028 | |
| 31-12-2014 | abbreviated format | 07-07-2015 | 2015-28400205 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | - | - | - | - | - | - | - | - | - | - | - | ||
| 4,273 | -3,422 | -14,695 | 15,552 | -12,008 | 17,374 | 2,175 | -9,593 | -3,874 | -263,852 | - | - | ||
| 6.7m | 6.6m | 6.5m | 6.4m | 6.4m | 6.4m | 6.3m | 6.3m | 6.3m | 16.4m | 16.3m | 16.2m | ||
| 99.9% | 100.0% | 99.9% | 98.8% | 98.8% | 98.8% | 98.3% | 96.3% | 37.7% | 98.1% | 96.6% | 98.2% | ||
| - | - | - | 85.02 | 86.29 | 82.85 | 57.59 | 27.23 | 1.61 | 52.99 | 29.06 | 54.97 | ||
| 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.02 | 0.04 | 1.65 | 0.02 | 0.04 | 0.02 | ||
| 1.5% | 1.5% | 1.5% | 1.5% | 1.3% | 1.5% | 1.6% | 2.7% | 5.6% | 2.3% | 3.7% | 2.1% | ||
| 1.5% | 1.5% | 1.5% | 1.5% | 1.3% | 1.5% | 1.6% | 2.6% | 2.1% | 2.3% | 3.6% | 2.1% |
EBIT margin: not included in this filing.
A ratio outside any meaningful range has been withheld (balance sheet total €6.7m, equity €6.7m).
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Financial fixed assets | €0 | - | - | - | - |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is a loss of €64,257, smaller than the loss of €66,250 in 2024.
Debt's share of the balance-sheet total rises from 0.0% to 0.1%. Equity and debt are higher.
HOBOKEN FINANCE has no parent and no holdings in its annual accounts.
| HOBOKEN HOLDING
registered office since 17-11-2008 · founded in 2008 |
total assets €19.1m (2025) 0807.833.420 |
| ANTWERP MARINE INSURANCE CLAIMS ASSOCIATES
registered office since 07-12-1984 · founded in 1984 |
10 FTE (2025) 0427.827.804 |
| JACOBS GOOSSENAERTS
registered office since 01-07-2008 · founded in 2006 |
total assets €4.2m (2025) 0882.986.446 |
| HOBOKEN EQUIPMENT
registered office since 17-08-1988 · founded in 1988 |
0.8 FTE (2025) 0434.881.979 |
| W.L. MANAGEMENT
registered office since 24-09-2018 · founded in 2018 |
15 FTE (2025) 0704.951.656 |
| RatandMouse
registered office since 30-01-2012 · founded in 2012 |
total assets €854,308 (2025) 0843.192.393 |
| Universal Professionals
establishment since 01-03-2025 · founded in 2012 |
total assets €797,033 (2025) 0842.502.012 |
| ICTVALUE
registered office since 07-03-2001 · founded in 2001 |
total assets €602,665 (2025) 0474.085.817 |
| OLIVIER ONGHENA
establishment since 19-03-2026 · founded in 2006 |
total assets €559,770 (2025) 0883.959.317 |
| Elite Smile
registered office since 28-12-2021 · founded in 2021 |
total assets €493,286 (2025) 0773.747.818 |
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Londenstraat 60 registered office 2000 Antwerp 66300 Activities auxiliary to financial services and insurance activities | 05-02-2015 | 2.240.357.332 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 11802B0059/00S002 | 5,943 m² | 1 · 2,789 m² | 77.8 m · 9 |
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