HUBERT MULTI SERVICES
ActiveHUBERT MULTI SERVICES has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94k and a net result of €23k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 27787 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-16
Solvency40▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.58 against 0.84 in 2024; short-term debt: 49.7% and cash: 4.4% of total assets), and 84.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
15.2%
Return on assets
3.7%
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 18% of 27787 sector peers (2025).
NBB · sector comparisonPosition among 27787 sector peers
Solvency
better than 18%
← 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 27-08-2026, 27 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 · 8 filingsDeviation from the deadline
2025
27 d late
2024
27 d late
2023
13 d late
2022
16 d late
2021
74 d late
2020
19 d early
2019
97 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€23k▼ 76.8%
2024 · €98k
2018: €2k
2019: €3k
2020: €3k
2021: €-87k
2022: €-40k
2023: €73k
2024: €98k
2018 → 2025
Working capital
€-130k▼ 127%
2024 · €-57k
2018: €-90k
2019: €-92k
2020: €-126k
2021: €-237k
2022: €-238k
2023: €-161k
2024: €-57k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-60k-€-100k▼ 65.9%€-27k▲ 73.3%€71k€94k▲ 32.0%
Operating result€-65k-€-22k▲ 66.8%€46k€127k▲ 175%€52k▼ 59.0%
Net result€-87k-€-40k▲ 54.0%€73k€98k▲ 33.6%€23k▼ 76.8%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 59% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €618k
Fixed assets
€441k▲ 41.9%
Current assets
€177k▼ 40.9%
Equity and liabilities €618k
Equity
€94k▲ 32.0%
Debt
€524k▼ 2.8%
The debt ratio falls from 88.3% to 84.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€184k▼
2024 · €227k
Cash flow
€155k▼
2024 · €198k
Solvency
15.2%▲
2024 · 11.7%
Current ratio
0.58▼
2024 · 0.84
Quick ratio
0.57▼
2024 · 0.83
Debt / equity
5.58▼
2024 · 7.57
ROE
24.2%▼
2024 · 137.5%
ROA
3.7%▼
2024 · 16.0%
Interest coverage
7.90▼
2024 · 19.07
Debt
€524k▼
2024 · €539k
Debt ≤ 1 year
€307k▼
2024 · €357k
Debt > 1 year
€217k▲
2024 · €182k
Income taxes
€7k▼
2024 · €36k
Staff costs
€113k▲
2024 · €100k
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
Balance sheet
Code20242025
Assets
Total assets20/58€610k€618k▲
Fixed assets21/28€311k€441k▲
Tangible fixed assets22/27€311k€441k▲
Plant, machinery and equipment23€20k€12k▼
Furniture and vehicles24€39k€89k▲
Leasing and similar rights25€253k€340k▲
Current assets29/58€300k€177k▼
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41€221k€145k▼
Trade receivables40€221k€144k▼
Other amounts receivable41€0€463▲
Cash at bank and in hand54/58€72k€27k▼
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€610k€618k▲
Equity10/15€71k€94k▲
Contributions10/11€19k€19k=
Reserves13€106k€106k=
Non-distributable reserves130/1€278€278=
Reserves not available under the articles1311€278€278=
Distributable reserves133€105k€105k=
Profit (loss) carried forward14€-53k€-30k▲
Amounts payable17/49€539k€524k▼
Amounts payable after more than one year17€182k€217k▲
Financial debts170/4€182k€217k▲
Amounts payable within one year42/48€357k€307k▼
Current portion of amounts payable after more than one year42€79k€95k▲
Trade debts44€117k€57k▼
Suppliers440/4€117k€57k▼
Advances received on contracts in progress46€4k€0▼
Taxes, remuneration and social security45€50k€81k▲
Taxes450/3€38k€61k▲
Remuneration and social security454/9€12k€20k▲
Other amounts payable47/48€108k€73k▼
Accrued charges and deferred income492/3-€104
Income statement
Code20242025
Remuneration, social security and pensions62€100k€113k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€100k€132k▲
Other operating charges640/8€7k€9k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€333k€306k▼
Operating profit (loss)9901€127k€52k▼
Financial income75/76B€19k€725▼
Recurring financial income75€218€725▲
Non-recurring financial income76B€19k€0▼
Financial charges65/66B€12k€23k▲
Recurring financial charges65€12k€23k▲
Profit (loss) for the period before taxes9903€134k€29k▼
Income taxes67/77€36k€7k▼
Profit (loss) for the period9904€98k€23k▼
Profit (loss) for the period to be appropriated9905€98k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€45k€-30k▼
Profit (loss) brought forward from the previous period14P€-53k€-53k=
Transfer to equity691/2€98k€0▼
To other reserves6921€98k€0▼
The notes to these accounts (15 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Highest result since 2018net €98k ▲33.6%
Operating result €127k, net result €98k, both a record.
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
31-12
Financial
Back to profitnet €73k
Net result €73k after 2 loss-making years.
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
13-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 74 days late
2021
31-12
Financial
Weakest financial yearnet €-87k ▼3542%
Net result drops to €-87k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
05-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 97 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 14 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, Charleroi · 1 establishment unit since 2017
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 des Charbonnages 116010 CharleroiGround area
1.3 ha
Building footprint
970 m²
Volume, LiDAR
2,028 m³
2 parcels, Wallonia · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HUBERT MULTI SERVICES
since 20172.268.684.203
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52014A0268/00Y010 | Wallonia | 1.3 ha | 1 · 930 m² | 8.2 m |
| 52058A0573/00W000 | Wallonia | 207 m² | 1 · 40 m² | 9.3 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 8,456 companies in sector 43120 we hold annual accounts for 3,233. 2,643 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-09-2017
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:seba.hubert@hotmail.com
Phone:0488159079