HOEBANCKX
ActiveSummary
HOEBANCKX has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €8k. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 46% of 7500 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability86▲+16
Solvency65=
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.5 against 1.49 in 2024; short-term debt: 48% and cash: 47.5% of total assets), and 59.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
40.3%
Return on assets
13.4%
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 21-08-2026, 21 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
21 d late
2024
28 d late
2023
19 d late
2022
30 d late
2021
30 d late
2020
26 d late
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€264k
EBIT margin
1.0%
Net result
€8k▲ 1,280%
2024 · €567
2018: €-18k
2019: €4k▲ +123% vs 2018
2020: €-29k▼ -815% vs 2019lowest in 8 years
2021: €11k▲ +140% vs 2020
2022: €3k▼ -73.5% vs 2021
2023: €21k▲ +585% vs 2022highest in 8 years
2024: €567▼ -97.3% vs 2023
2025: €8k▲ +1280% vs 2024
2018 → 2025
Working capital
€14k▼ 4.7%
2024 · €15k
2018: €5k
2019: €18k▲ +270% vs 2018
2020: €-7k▼ -137% vs 2019lowest in 8 years
2021: €7k▲ +208% vs 2020
2022: €13k▲ +82.4% vs 2021
2023: €28k▲ +110% vs 2022highest in 8 years
2024: €15k▼ -47.2% vs 2023
2025: €14k▼ -4.7% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€264k
Equity€10k-€13k▲ 30.1%€33k▲ 151%€20k▼ 40.7%€23k▲ 19.5%
2021: €10klowest in 5 years
2022: €13k▲ +30.1% vs 2021
2023: €33k▲ +151% vs 2022highest in 5 years
2024: €20k▼ -40.7% vs 2023
2025: €23k▲ +19.5% vs 2024
Operating result€11k-€3k▼ 76.4%€21k▲ 733%€550▼ 97.4%€9k▲ 1,540%
2021: €11k
2022: €3k▼ -76.4% vs 2021
2023: €21k▲ +733% vs 2022highest in 5 years
2024: €550▼ -97.4% vs 2023lowest in 5 years
2025: €9k▲ +1540% vs 2024
Net result€11k-€3k▼ 73.5%€21k▲ 585%€567▼ 97.3%€8k▲ 1,280%
2021: €11k
2022: €3k▼ -73.5% vs 2021
2023: €21k▲ +585% vs 2022highest in 5 years
2024: €567▼ -97.3% vs 2023lowest in 5 years
2025: €8k▲ +1280% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,540% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58k
Fixed assets
€16k ▲ 224%
Current assets
€42k ▼ 5.8%
Equity and liabilities €58k
Equity
€23k ▲ 19.5%
Debt
€35k ▲ 16.5%
Debt's share of the balance-sheet total falls from 60.4% to 59.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€11k▲
2024 · €2k
Cash flow
€10k▲
2024 · €2k
Current ratio
1.50▲
2024 · 1.49
Debt to equity
1.48▼
2024 · 1.52
ROE
33.4%▲
2024 · 2.9%
ROA
13.4%▲
2024 · 1.1%
Interest coverage
25.37▲
2024 · 13.16
Debt ≤ 1 year
€28k▼
2024 · €30k
Debt > 1 year
€7k
Income taxes
€1k▲
2024 · €0
Staff costs
€49k▲
2024 · €29k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€49k€58k▲
Fixed assets21/28€5k€16k▲
Tangible fixed assets22/27€5k€16k▲
Plant, machinery and equipment23€5k€16k▲
Furniture and vehicles24€0€372▲
Current assets29/58€44k€42k▼
Amounts receivable within one year40/41€8k€12k▲
Trade receivables40€5k€9k▲
Other amounts receivable41€4k€3k▼
Cash at bank and in hand54/58€36k€28k▼
Deferred charges and accrued income490/1€0€2k▲
Equity and liabilities
Total equity and liabilities10/49€49k€58k▲
Equity10/15€20k€23k▲
Contributions10/11€8k€6k▼
Reserves13€10k€10k=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€2k€7k▲
Amounts payable17/49€30k€35k▲
Amounts payable after more than one year17-€7k
Financial debts170/4-€7k
Amounts payable within one year42/48€30k€28k▼
Current portion of amounts payable after more than one year42-€4k
Trade debts44€10k€6k▼
Suppliers440/4€10k€6k▼
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3€1k€4k▲
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€14k€10k▼
Income statement
Code20242025
Remuneration, social security and pensions62€29k€49k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€387€512▲
Gross operating margin9900€31k€61k▲
Operating profit (loss)9901€550€9k▲
Financial income75/76B€156€438▲
Recurring financial income75€156€438▲
Financial charges65/66B€139€442▲
Recurring financial charges65€139€442▲
Profit (loss) for the period before taxes9903€567€9k▲
Income taxes67/77€0€1k▲
Profit (loss) for the period9904€567€8k▲
Profit (loss) for the period to be appropriated9905€567€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€9k▼
Profit (loss) brought forward from the previous period14P€11k€2k▼
Transfer from equity791/2€4k€2k▼
Profit to be distributed694/7€14k€4k▼
Return on contributions (dividend)694€14k€4k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | €264k | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €193k | - | - | - | - |
| Remuneration, social security and pensions62 | €101k | €67k | €15k | €29k | €49k | ▲ 70.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €5k | €533 | €1k | €2k | ▲ 71.3% |
| Other operating charges640/8 | €7k | €348 | €384 | €387 | €512 | ▲ 32.2% |
| Gross operating margin9900 | €126k | €75k | €37k | €31k | €61k | ▲ 96.4% |
| Operating profit (loss)9901 | €11k | €3k | €21k | €550 | €9k | ▲ 1,540% |
| Financial income75/76B | €1k | €865 | €887 | €156 | €438 | ▲ 182% |
| Recurring financial income75 | €1k | €865 | €887 | €156 | €438 | ▲ 182% |
| Financial charges65/66B | €450 | €376 | €332 | €139 | €442 | ▲ 218% |
| Recurring financial charges65 | €450 | €376 | €332 | €139 | €442 | ▲ 218% |
| Profit (loss) for the period before taxes9903 | €11k | €3k | €22k | €567 | €9k | ▲ 1,492% |
| Income taxes67/77 | €0 | €0 | €1k | €0 | €1k | - |
| Profit (loss) for the period9904 | €11k | €3k | €21k | €567 | €8k | ▲ 1,280% |
| Profit (loss) for the period to be appropriated9905 | €11k | €3k | €21k | €567 | €8k | ▲ 1,280% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €50k | €34k | €46k | €49k | €58k | ▲ 17.7% |
| Fixed assets21/28 | €5k | €48 | €5k | €5k | €16k | ▲ 224% |
| Tangible fixed assets22/27 | €5k | €48 | €5k | €5k | €16k | ▲ 224% |
| Plant, machinery and equipment23 | €422 | €48 | €5k | €5k | €16k | ▲ 217% |
| Furniture and vehicles24 | €5k | €0 | €0 | €0 | €372 | - |
| Current assets29/58 | €45k | €34k | €40k | €44k | €42k | ▼ 5.8% |
| Amounts receivable within one year40/41 | €6k | €14k | €6k | €8k | €12k | ▲ 42.9% |
| Trade receivables40 | €5k | €12k | €0 | €5k | €9k | ▲ 109% |
| Other amounts receivable41 | €1k | €2k | €6k | €4k | €3k | ▼ 34.9% |
| Cash at bank and in hand54/58 | €34k | €17k | €33k | €36k | €28k | ▼ 23.2% |
| Deferred charges and accrued income490/1 | €4k | €3k | €1k | €0 | €2k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €50k | €34k | €46k | €49k | €58k | ▲ 17.7% |
| Equity10/15 | €10k | €13k | €33k | €20k | €23k | ▲ 19.5% |
| Contributions10/11 | €6k | €6k | €8k | €8k | €6k | ▼ 23.1% |
| Reserves13 | €6k | €6k | €14k | €10k | €10k | = |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €0 | - | - | - |
| Distributable reserves133 | €4k | €4k | €14k | €10k | €10k | = |
| Profit (loss) carried forward14 | €-2k | €1k | €11k | €2k | €7k | ▲ 366% |
| Amounts payable17/49 | €40k | €21k | €13k | €30k | €35k | ▲ 16.5% |
| Amounts payable after more than one year17 | €2k | €0 | - | - | €7k | - |
| Financial debts170/4 | €2k | €0 | - | - | €7k | - |
| Amounts payable within one year42/48 | €38k | €21k | €13k | €30k | €28k | ▼ 6.4% |
| Current portion of amounts payable after more than one year42 | €4k | €2k | €0 | - | €4k | - |
| Trade debts44 | €3k | €5k | €3k | €10k | €6k | ▼ 43.7% |
| Suppliers440/4 | €3k | €5k | €3k | €10k | €6k | ▼ 43.7% |
| Taxes, remuneration and social security45 | €17k | €5k | €4k | €5k | €9k | ▲ 57.6% |
| Taxes450/3 | €9k | €40 | €1k | €1k | €4k | ▲ 261% |
| Remuneration and social security454/9 | €8k | €5k | €2k | €4k | €5k | ▲ 8.9% |
| Other amounts payable47/48 | €14k | €8k | €7k | €14k | €10k | ▼ 31.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11k | €3k | €21k | €567 | €8k | ▲ 1,280% |
| + Depreciation and write-downs630 | €7k | €5k | €533 | €1k | €2k | ▲ 71.3% |
| Operating cash flow (approximation) | €18k | €8k | €21k | €2k | €10k | ▲ 442% |
| Investment in fixed assets (approximation) | - | €0 | €-6k | €-866 | €-14k | ▼ 1,462% |
| Change in cash | - | €-17k | €17k | €3k | €-8k | ▼ 399% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Highest result since 2018net €21k ▲585%
Operating result €21k, net result €21k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Weakest financial yearnet €-29k
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Lincent · 1 establishment unit since 2012
Ground area
1,845 m²
Building footprint
135 m²
Volume, LiDAR
966 m³
Parcel 64062A0820/00A000, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HOEBANCKX
since 20122.209.656.535
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64062A0820/00A000 | Wallonia | 1,845 m² | 1 · 135 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,779 companies in sector 41001 we hold annual accounts for 16,044. 11,936 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded16-04-2012
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
43120Site preparation
43320Joinery installation
43422Screed work
43910Bricklaying and masonry work
Scores and ratios are computed by Checked and are not a credit decision.