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HSBK Consulting

Active
Private limited companyfounded 20205 yrs activeRue de Beyne 64, 4020 Liège, BelgiumKBO/BCE: BE 0755.910.904
Summary

HSBK Consulting has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €134,295 and a net result of €31,578. Equity is growing by ~25.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 21938 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
HSBK ConsultingActiveChecked score 98/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
NACE 47781NACE 47990
1 site
Size
€142,232total assets 2025
Equity
€134,295
Profit
€31,578
Turnover not published (abridged schema)
Financial health
98 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Holdings
1
Accounts on time0 of 1 deed read
Why 98- Founded in 2020+ Liquidity: current ratio 17.51, cash €77,239+ Equity €134,295 (94.4% of total assets)+ Figures for FY 2025 (filed 31-07-2026)Show the evidence

Checked score

Score 2025
98 / 100
Excellent
Probability in this band: under 0.55%
Better than 90% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 94.4% of total assets
Liquidity 100+13
short-term debt 5.6% · cash 54.3%
Profitability 97-3
return on assets 22.2%
Bankruptcy probability, 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 0.6% (40,156 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%▼ -11.3% vs 12-2024lowest value 02-2025: 0.1%▲ +5.5% vs 01-2025 03-2025: 0.1%▲ +5.2% vs 02-2025 04-2025: 0.1%▲ +1.6% vs 03-2025 05-2025: 0.1%▲ +17.7% vs 04-2025 06-2025: 0.1%▲ +4.1% vs 05-2025 07-2025: 0.1%▲ +14.5% vs 06-2025 08-2025: 0.2%▲ +182% vs 07-2025 09-2025: 0.2%● 0.0% vs 08-2025 10-2025: 0.2%▼ -1.6% vs 09-2025 11-2025: 0.2%▼ -4.1% vs 10-2025 12-2025: 0.2%▼ -4.3% vs 11-2025 01-2026: 0.2%▼ -3.6% vs 12-2025 02-2026: 0.2%▲ +3.3% vs 01-2026 03-2026: 0.2%● 0.0% vs 02-2026 04-2026: 0.2%▲ +11.4% vs 03-2026 05-2026: 0.3%▲ +16.7% vs 04-2026 06-2026: 0.3%▼ -2.8% vs 05-2026 07-2026: 0.3%▲ +11.5% vs 06-2026highest value 08-2026: 0.1%▼ -66.8% vs 07-2026 09-2026: 0.1%▲ +1.0% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026
  • Liquidity: current ratio 17.51, cash €77,239 lowers the probability
  • Equity €134,295 (94.4% of total assets) lowers the probability
  • Founded in 2020 raises the probability for this profile
  • Figures for FY 2025 (filed 31-07-2026) lowers the probability
Credit up to €13,000 at 30 days acceptable
Liquidity ample (current ratio 17.51 against 5.86 in 2024; short-term debt: 5.6% and cash: 54.3% of total assets), and 5.6% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 92%, liquidity 99%, profitability 90%, growth against the median 80%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 17.51, cash €77,239
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €134,295 (94.4% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Founded in 2020
In the bankruptcy model this factor raises the probability for this profile.
KBO
lowers risk · Figures for FY 2025 (filed 31-07-2026)
In the bankruptcy model this factor lowers the probability.
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 31-07-2026, 0 days ahead of the deadline.
NBB · 5 filings
Deviation from the deadline
2025
on the day
2024
on the day
2023
14 d early
2022
3 d early
2021
4 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 4 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

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. Usually files around 28 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Weakest financial yearnet €31,578 ▼69.6%
  3. Liquidity triplescurrent ratio 17.51

Key points

  • Caution: Result fell in 2025from €103,761 to €31,578 ▼ 69.6% View
  • Positive: Among the best 5% on solvencysector median 34.0% · 21,938 companies 94.4% View
  • Positive: Always filed on timeaccounts within the deadline every year 5 years View
  • Positive: 5 profitable years in a rowprofit 2025: €31,578 5 years View

By topic

Financials

Fiscal year
2025
Total assets
€142,232
Profit
€31,578
Solvency
94.4%
Total assets▲ 15.5%
Net result
20212025
Go to Financials

Timeline

Events
9
Since
2022
Next accounts
by 31-07-2027
  1. 31-07-2026Annual accounts filed
  2. 31-12-2025Weakest financial year
  3. 31-12-2025Liquidity triples
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of solid, liquid and gaseous fuels…NACE 47781
Founded
08-10-2020
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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