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HSB

Active
Private limited company (pre-2019)founded 2004active for 22 yearsLinkhoutstraat 142, 3560 Lummen, BelgiumKBO/BCE: BE 0865.081.434
Summary

HSB has been active since 2004 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15,337 and a net result of €1,027, of which €3,868 non-recurring income. Equity has been growing by about 12% per year since 2018. Its solvency ranks better than 65% of 5,709 sector peers (NACE 96, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 03-05-2004 Normal situation
Activity
Hairdressing and barber services NACE 96210and 3 others
Establishment units
2.069.289.914 3560 Lummen, since 08-12-1994
2.122.436.412 3560 Lummen, since 22-10-1996
Financial year end
31 December
Peppol
Reachable since 06-10-2025

Board and ownership

Board
  • Beckers LarsDirector · since 26-04-2004
  • Mechelmans CindyDirector · since 26-04-2004

Financial position

94 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€6,929
▲ 123%
Turnover
≈ €47,000
estimated
Profit
€1,027
Equity
€15,337
▲ 7.2%
Total assets
€33,382
▲ 52.0%
Filed on 03-07-2026, 28 days before the deadline
Score breakdownraises riskSize: total assets €33,382lowers riskFounded in 2004Liquidity: current ratio 1.10, cash €17,061Figures for financial year 2025 (filed on 03-07-2026)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 62% of micro companies in personal services (NACE 96)
Financial strength · tick: 2024
Strong
Solvency 71-19
equity 45.9% of total assets
Liquidity 73-12
short-term debt 53.9% · cash 51.1%
Profitability 73+8
return on assets 3.1%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (7,625 companies, NACE 96, micro)
Last 24 months 12-2024: 0.2% 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.3%▲ +0.1 percentage points vs 06-2025highest value 08-2025: 0.1%▼ -0.2 percentage points vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025lowest value 02-2026: 0.1%● unchanged vs 01-2026lowest value 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026 11-2026: 0.1%● unchanged vs 10-2026
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.1 (1.87 in 2024), below the usual 1.5. Short-term debt is 53.9% and cash 51.1% of total assets. 54.1% of the assets are financed with debt and provisions.
Calculation

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 (NACE 96, micro). It does better than 65% of them on solvency, 77% on liquidity, 53% on profitability and 53% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Founded in 2004
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Liquidity: current ratio 1.10, cash €17,061
NBB · annual accounts
raises risk · Size: total assets €33,382
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 03-07-2026)
NBB · annual accounts
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 filings
Deviation from the deadline
2025
28 days early
2024
3 days early
2023
on the day
2022
29 days late
2021
19 days late
2020
31 days early
2019
23 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 5 days before the deadline. In the sector (NACE 96), the median for financial year 2024 was on the deadline day, and 48% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 3rd oldest company in Lummen, Other services sectorin the Checked rankings No. 3 View

Recent changes

  1. · Gazette deed Incorporation
All 14 events

Comparable companies

These companies have the same main activity as HSB: hairdressing and barber services (NACE 96210). They are comparable in size and age: total assets between €25,700 and €38,600, founded between 1998 and 2003.

CompanyTotal assetsGross margin
HSB Lummen€33,382€6,929
MELLITO Holsbeek€30,719€6,034
T.Y. ENTERPRISES Antwerpen€35,810€9,753
DITO Tessenderlo-Ham€33,384€4,430
Intercoiffure - Interbeaute Sint-Truiden€28,750€7,654
ARMON Meise€38,559€9,356
JS-HAIR Brussel€25,749€6,670
Full comparison

Key facts about HSB

What is the company number of HSB?
The company number of HSB is 0865.081.434. The VAT number is the same number with BE in front: BE 0865.081.434.
Where is HSB based?
The registered office is at Linkhoutstraat 142, 3560 Lummen.Company details
What does HSB do?
According to the KBO register, the main activity is hairdressing and barber services (NACE 96210).
What is the legal form of HSB?
The legal form of HSB is Private limited company (pre-2019) (BVBA).
When was HSB founded?
HSB was founded on 03-05-2004.
Is HSB still active?
Yes, HSB is an active enterprise in the KBO register.
What is the turnover of HSB?
The turnover in financial year 2025 is ≈ €47,000. This figure is estimated from the gross margin of €6,929 and 94 comparable companies (NACE 96210). It probably lies between €28,000 and €88,000. It is a rough estimate. In financial year 2019 turnover was €30,876.Financials
Is HSB profitable?
In financial year 2025, HSB made a profit of €1,027.
Where can I find the annual accounts of HSB?
HSB filed 22 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of HSB due?
HSB must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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