Financials
- Fiscal year
- 2025
- Total assets
- €6,600
- Loss
- -€107
- Solvency
- 59.0%
HUB DIVERSITY
ActiveSummary
HUB DIVERSITY has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3,893 and a net result of -€107. Its solvency ranks better than 67% of 8982 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Overview
Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
1 site
Size
€6,600total assets 2025
- Equity
- €3,893
- Loss
- -€107
Turnover not published (abridged schema)
Structure
Accounts filed 59 d late0 of 1 deed read
Why 64- Founded in 2024- Size: total assets €6,600- Sector Construction of residential and non-residential buildings (NACE 41)+ Liquidity: current ratio 2.44, cash €4,091Show the evidence
Checked score
Score 2025
64
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 57% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Financial strength
Strong
Solvency
84
equity 59.0% of total assets
Liquidity
81
short-term debt 41.0% · cash 62.0%
Profitability
33
return on assets -1.6%
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 3.6%
02-2026: 3.7%▲ +2.3% vs 01-2026
03-2026: 3.8%▲ +1.8% vs 02-2026
04-2026: 4.2%▲ +11.5% vs 03-2026
05-2026: 4.2%▲ +0.4% vs 04-2026
06-2026: 4.6%▲ +8.7% vs 05-2026
07-2026: 5.0%▲ +9.1% vs 06-2026highest value
08-2026: 5.0%▼ -0.5% vs 07-2026
09-2026: 4.8%▼ -2.7% vs 08-2026
10-2026: 1.5%▼ -69.3% vs 09-2026lowest value
- Founded in 2024 raises the probability for this profile
- Liquidity: current ratio 2.44, cash €4,091 lowers the probability
- Size: total assets €6,600 raises the probability for this profile
- Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
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 41, micro). Better than this share of them on solvency 68%, liquidity 84%, profitability 21%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-09-2026, 59 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 · 1 filingDeviation from the deadline
2025
59 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 28-09-2026Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- General construction of residential buildingsNACE 41001
- Founded
- 06-12-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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