HSBO Conseils
ActiveHSBO Conseils has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €35k and a net result of €-30k. Equity is growing by ~25.3% per year across the filed fiscal years. Its solvency ranks better than 21% of 15369 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency62▼-19
Growth68=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity ample (current ratio 4.58 against 4.78 in 2023), but 74.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
25.9%
Return on assets
-22.3%
Age of the figures
20 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
192021222324
2019 to 2024 · latest year -€30k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 15369 sector peers (2024).
NBB · sector comparisonPosition among 15369 sector peers
Solvency
better than 21%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-08-2026, 366 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
366 d late
2023
91 d late
2022
213 d late
2021
101 d late
2020
123 d late
2019
99 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€132k▲ 109%
2019 · €63k
2019: €63k
2019 → 2020
EBIT margin
23.5%▲ 15.7pp
2019 · 7.8%
2019: 7.8%
2019 → 2020
Net result
€-30k▼ 129%
2023 · €-13k
2019: €927
2020: €22k
2021: €30k
2022: €19k
2023: €-13k
2019 → 2024
Working capital
€87k▼ 22.6%
2023 · €112k
2019: €46k
2020: €70k
2021: €102k
2022: €121k
2023: €112k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€132k-
Equity€29k-€59k▲ 101%€78k▲ 32.4%€65k▼ 16.8%€35k▼ 46.3%
Operating result€31k-€38k▲ 22.9%€26k▼ 31.3%€-11k€-28k▼ 152%
Net result€22k-€30k▲ 33.5%€19k▼ 35.6%€-13k€-30k▼ 129%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €28k in 2024 against €11k in 2023; the loss grows and 2024 is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €134k
Fixed assets
€23k▼ 16.5%
Current assets
€111k▼ 21.7%
Equity and liabilities €134k
Equity
€35k▼ 46.3%
Debt
€99k▼ 5.2%
The debt ratio rises from 61.8% to 74.1%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-24k▼
2023 · €-7k
Cash flow
€-25k▼
2023 · €-9k
Solvency
25.9%▼
2023 · 38.2%
Current ratio
4.58▼
2023 · 4.78
Quick ratio
4.58▼
2023 · 4.78
Debt / equity
2.86▲
2023 · 1.62
ROE
-86.1%▼
2023 · -20.2%
ROA
-22.3%▼
2023 · -7.7%
Interest coverage
-16.55▼
2023 · -4.14
Debt
€99k▼
2023 · €105k
Debt ≤ 1 year
€24k▼
2023 · €30k
Debt > 1 year
€75k=
2023 · €75k
Income taxes
€159▼
2023 · €166
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€170k€134k▼
Fixed assets21/28€27k€23k▼
Intangible fixed assets21€20k€16k▼
Tangible fixed assets22/27€6k€5k▼
Furniture and vehicles24€6k€5k▼
Financial fixed assets28€1k€1k=
Current assets29/58€142k€111k▼
Amounts receivable within one year40/41€30k€37k▲
Trade receivables40€17k€24k▲
Other amounts receivable41€13k€13k▲
Current investments50/53€28k€28k=
Cash at bank and in hand54/58€84k€46k▼
Equity and liabilities
Total equity and liabilities10/49€170k€134k▼
Equity10/15€65k€35k▼
Contributions10/11€6k€6k=
Reserves13€22k€22k=
Distributable reserves133€22k€22k=
Profit (loss) carried forward14€36k€6k▼
Amounts payable17/49€105k€99k▼
Amounts payable after more than one year17€75k€75k=
Other amounts payable178/9€75k€75k=
Amounts payable within one year42/48€30k€24k▼
Trade debts44€10k€13k▲
Suppliers440/4€10k€13k▲
Taxes, remuneration and social security45€18k€11k▼
Taxes450/3€17k€9k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€1k€355▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k=
Other operating charges640/8€2k€2k▼
Gross operating margin9900€-5k€-22k▼
Operating profit (loss)9901€-11k€-28k▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-13k€-30k▼
Income taxes67/77€166€159▼
Profit (loss) for the period9904€-13k€-30k▼
Profit (loss) for the period to be appropriated9905€-13k€-30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€6k▼
Profit (loss) brought forward from the previous period14P€49k€36k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 366 days late
2024
31-12
Financial
Weakest financial yearnet €-30k
Net result drops to €-30k, the lowest in the series.
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 91 days late
29-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 213 days late
2022
09-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 101 days late
2021
31-12
Financial
Highest result since 2019net €30k ▲33.5%
Operating result €38k, net result €30k, both a record.
01-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 123 days late
2020
07-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 99 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Charleroi · 1 establishment unit since 2019
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.
Rue du Tunnel 106010 CharleroiGround area
203 m²
Building footprint
154 m²
Volume, LiDAR
1,766 m³
2 parcels, Wallonia · tallest building 13.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
HSBO Conseils
since 20192.285.184.792
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52028B0371/00Y002 | Wallonia | 107 m² | 1 · 62 m² | 13.8 m · 4 fl. |
| 52014B0444/00K000 | Wallonia | 97 m² | 1 · 92 m² | 13.4 m · 4 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.
Similar companies · same sector, comparable size
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GpFisc
BE 0783.845.815
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VDN Accounting
BE 0760.807.424
Pont-à-Celles · Eq €35k
SOLRE FISCO
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,600. 5,376 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-01-2019
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.