HUB & SPOKE

Active

Private limited companyfounded 2012active for 13 yearsPlace Alphonse Favresse 39, 1310 La Hulpe, BelgiumKBO/BCE: BE 0508.793.704

Summary

HUB & SPOKE has been active since 2012 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €563,642 and a net result of €22,635. Equity is growing by about 5% per year across the filed financial years. The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow Report Compare

HUB & SPOKEActiveChecked score 94/100

Risk analysis Report Compare

Activity

Other professional, scientific and technical activities

NACE 74999

1 site

Size

€143,280turnover 2025

Equity: €563,642
Profit: €22,635

Financial health

94 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.1%

Structure

Parent: Carsoux · 100%

Accounts filed 2 days late0 of 6 deeds read

Why 94raises riskSize: turnover €143,280, total assets €592,849lowers riskLiquidity: current ratio 20.30, cash €116,901, halvedEquity €563,642 (95.1% of total assets)Sector: Other professional, scientific and technical activities (NACE 74)Show the evidence

Checked score

Score 2025

94 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 50% of its sector peers (NACE 74, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 95.1% of total assets

Liquidity 75-12

short-term debt 4.9% · cash 19.7%

Profitability 47-20

return on assets 3.8%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.2% (5,410 companies, NACE 74, micro)

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: 0.1%▲ +0.1 percentage points vs 12-2024 02-2025: < 0.1%▼ -0.1 percentage points vs 01-2025lowest value 03-2025: < 0.1%● unchanged vs 02-2025lowest value 04-2025: < 0.1%● unchanged vs 03-2025lowest value 05-2025: < 0.1%● unchanged vs 04-2025lowest value 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged 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%▲ +0.1 percentage points vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026highest value 03-2026: < 0.1%▼ -0.1 percentage points 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%▲ +0.1 percentage points vs 09-2026

Credit of up to €14,000 on 30-day terms is acceptable

Liquidity ample (current ratio 20.3, compared with 14.33 in 2024; short-term debt: 4.9% and cash: 19.7% of total assets), and 4.9% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 74, micro): better than 88% on solvency, 66% on liquidity, 27% on profitability and 20% on growth.

The bankruptcy probability was computed on 11-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises riskneutral

Liquidity: current ratio 20.30, cash €116,901, halved

NBB · annual accounts

Equity €563,642 (95.1% of total assets)

NBB · annual accounts

Size: turnover €143,280, total assets €592,849

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Sector: Other professional, scientific and technical activities (NACE 74)

KBO

A punctual record breaks

This company filed 9 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.

NBB · 10 filings

Deviation from the deadline

2025

2 days late

2024

3 days early

2023

5 days early

2022

55 days early

2021

95 days early

2020

121 days early

2019

95 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 53 days before the deadline; the sector median (NACE 74) for financial year 2024 is 3 days before the deadline, and 38% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 26 January (4 of the last 5 filed years within 50 days of that day).

Companies Code · seven months

Where today falls in the filing period

30-06-2026 year end12-10-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage