HSB
ActiveHSB has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €1k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 64% of 4559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+8
Solvency71▼-19
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.1 against 1.87 in 2024; short-term debt: 53.9% and cash: 51.1% of total assets), and 54.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
3 d early
2023
on the day
2022
29 d late
2021
19 d late
2020
31 d early
2019
23 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€31k
EBIT margin
12.6%
Net result
€1k
2024 · €-607
2018: €6k
2019: €3k
2020: €9k
2021: €4k
2022: €-1k
2023: €-2k
2024: €-607
2018 → 2025
Working capital
€2k▼ 73.4%
2024 · €7k
2018: €-21k
2019: €-10k
2020: €4k
2021: €9k
2022: €10k
2023: €6k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18k-€17k▼ 5.8%€15k▼ 10.6%€14k▼ 4.1%€15k▲ 7.2%
Operating result€5k-€-24€-738▼ 2,997%€664€3k▲ 298%
Net result€4k-€-1k€-2k▼ 72.1%€-607▲ 65.6%€1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 298% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €33k
Fixed assets
€14k▲ 77.2%
Current assets
€20k▲ 38.4%
Equity and liabilities €33k
Equity
€15k▲ 7.2%
Debt
€18k▲ 136%
The debt ratio rises from 34.9% to 54.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€5k▲
2024 · €2k
Cash flow
€3k▲
2024 · €729
Solvency
45.9%▼
2024 · 65.1%
Current ratio
1.10▼
2024 · 1.87
Quick ratio
1.06▼
2024 · 1.80
Debt / equity
1.18▲
2024 · 0.54
ROE
6.7%▲
2024 · -4.2%
ROA
3.1%▲
2024 · -2.8%
Interest coverage
39.49▲
2024 · 17.91
Debt
€18k▲
2024 · €8k
Debt ≤ 1 year
€18k▲
2024 · €8k
Income taxes
€1k▲
2024 · €1k
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€22k€33k▲
Fixed assets21/28€8k€14k▲
Intangible fixed assets21€6k€6k=
Tangible fixed assets22/27€1k€7k▲
Plant, machinery and equipment23€298€41▼
Furniture and vehicles24€1k€7k▲
Financial fixed assets28€250€250=
Current assets29/58€14k€20k▲
Stocks and contracts in progress3€514€718▲
Stocks30/36€514€718▲
Amounts receivable within one year40/41€12€0▼
Other amounts receivable41€12€0▼
Cash at bank and in hand54/58€11k€17k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€22k€33k▲
Equity10/15€14k€15k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-6k€-5k▲
Amounts payable17/49€8k€18k▲
Amounts payable within one year42/48€8k€18k▲
Trade debts44€3k€7k▲
Suppliers440/4€3k€7k▲
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Other amounts payable47/48€75€8k▲
Accrued charges and deferred income492/3€21€42▲
Income statement
Code20242025
Non-recurring operating income76A€6k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€3k€7k▲
Operating profit (loss)9901€664€3k▲
Financial charges65/66B€112€127▲
Recurring financial charges65€112€127▲
Profit (loss) for the period before taxes9903€552€3k▲
Income taxes67/77€1k€1k▲
Profit (loss) for the period9904€-607€1k▲
Profit (loss) for the period to be appropriated9905€-607€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-5k▲
Profit (loss) brought forward from the previous period14P€-6k€-6k▼
The notes to these accounts (9 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €1k
Net result €1k after 3 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €9k ▲194%
Operating result €10k, net result €9k, both a record.
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Lummen · 2 establishment units since 1994
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.
Linkhoutstraat 1423560 LummenGround area
3,989 m²
Building footprint
437 m²
Volume, LiDAR
2,347 m³
2 parcels, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
HSB
since 19942.069.289.914
HSB
since 19962.122.436.412
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71035B0503/00L000 | Flanders | 3,367 m² | 1 · 252 m² | 8.7 m · 2 fl. |
| 71035B0540/00D000 | Flanders | 622 m² | 1 · 186 m² | 7.8 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 2,203 EUR awarded · 2,203 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 128 EUR | 128 EUR |
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
| 2022 | 1 | 75 EUR | 75 EUR |
Schemes
Hinderpremie bij openbare werken
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 21,751 companies in sector 96210 we hold annual accounts for 2,826. 2,350 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-05-2004
Fiscal year end31-12
Activities, NACEBEL
93021
96021Hairdressing
96210Hairdressing and barber services
46500Wholesale of information and communication equipment
46510Wholesale trade
47400Retail sale of information and communication equipment
47410Retail trade
51840
52487
93022
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.