Hub Conseils
ActiveSummary
Hub Conseils has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €22k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 13% of 12708 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency34▼-45
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six 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
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
9.4%
Return on assets
27.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 12708 sector peers (2025).
NBB · sector comparisonPosition among 12708 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 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 · 5 filingsDeviation from the deadline
2025
10 d late
2024
15 d late
2023
60 d late
2022
61 d late
2021
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€71k
EBIT margin
38.0%
Net result
€22k▲ 22.3%
2024 · €18k
2021: €6k
2022: €-10k
2023: €14k
2024: €18k
2021 → 2025
Working capital
€-3k
2024 · €18k
2021: €-9k
2022: €-18k
2023: €-3k
2024: €18k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€71k
Equity€9k-€-2k€13k€31k▲ 139%€8k▼ 75.5%
Operating result€7k-€-10k€17k€27k▲ 54.3%€32k▲ 19.1%
Net result€6k-€-10k€14k€18k▲ 23.9%€22k▲ 22.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 19% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €80k
Fixed assets
€10k ▼ 20.2%
Current assets
€70k ▲ 61.1%
Equity and liabilities €80k
Equity
€8k ▼ 75.5%
Debt
€73k ▲ 183%
The debt ratio rises from 45.6% to 90.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€35k▲
2024 · €30k
Cash flow
€24k▲
2024 · €20k
Current ratio
0.96▼
2024 · 1.71
Debt / equity
9.68▲
2024 · 0.84
ROE
291.0%▲
2024 · 58.2%
ROA
27.2%▼
2024 · 31.7%
Interest coverage
14.48▲
2024 · 7.69
Debt ≤ 1 year
€73k▲
2024 · €25k
Income taxes
€9k▲
2024 · €6k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€56k€80k▲
Fixed assets21/28€13k€10k▼
Tangible fixed assets22/27€13k€10k▼
Furniture and vehicles24€1k€352▼
Other tangible fixed assets26€12k€10k▼
Financial fixed assets28€60€60=
Current assets29/58€43k€70k▲
Amounts receivable after more than one year29€42k€68k▲
Other amounts receivable291€42k€68k▲
Amounts receivable within one year40/41€150-
Trade receivables40€150-
Cash at bank and in hand54/58€76€523▲
Deferred charges and accrued income490/1€698€1k▲
Equity and liabilities
Total equity and liabilities10/49€56k€80k▲
Equity10/15€31k€8k▼
Contributions10/11€3k€3k=
Reserves13€28k€5k▼
Distributable reserves133€28k€5k▼
Amounts payable17/49€26k€73k▲
Amounts payable within one year42/48€25k€73k▲
Current portion of amounts payable after more than one year42-€17k
Financial debts43€4k€5k▲
Credit institutions430/8€4k€5k▲
Trade debts44€3k€577▼
Suppliers440/4€1k€577▼
Bills of exchange payable441€2k-
Advances received on contracts in progress46€3k-
Taxes, remuneration and social security45€16k€5k▼
Taxes450/3€16k€5k▼
Other amounts payable47/48€0€45k▲
Accrued charges and deferred income492/3€400€0▼
Income statement
Code20242025
Turnover70€71k-
Goods, raw materials, services and sundry goods60/61€48k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€1k€811▼
Gross operating margin9900€31k€35k▲
Operating profit (loss)9901€27k€32k▲
Financial income75/76B€698€1k▲
Recurring financial income75€698€1k▲
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€24k€31k▲
Income taxes67/77€6k€9k▲
Profit (loss) for the period9904€18k€22k▲
Profit (loss) for the period to be appropriated9905€18k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€22k▲
Transfer from equity791/2-€23k
Transfer to equity691/2€18k-
To other reserves6921€18k-
Profit to be distributed694/7-€45k
Return on contributions (dividend)694-€45k
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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
31-12
Financial
Highest result since 2021net €22k ▲22.3%
Operating result €32k, net result €22k, both a record.
15-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 15 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 1.71
Current ratio from 0.82 to 1.71.
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 60 days late
2023
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial
Weakest financial yearnet €-10k ▼279%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Mons · 1 establishment unit since 2021
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.
Avenue de Jemappes 84D7000 MonsGround area
446 m²
Building footprint
119 m²
Volume, LiDAR
1,219 m³
2 parcels, Wallonia · tallest building 12.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Hub Conseils
since 20212.313.145.142
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53053D0017/00X004 | Wallonia | 304 m² | 1 · 70 m² | 12.8 m · 4 fl. |
| 53053D0006/00A004 | Wallonia | 142 m² | 1 · 49 m² | 10.4 m · 3 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.
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 2,605 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-02-2021
Fiscal year end31-12
Abbreviation FR
Hub-C
Activities, NACEBEL
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@hubconseils.be
Phone:0474475647