HB DIAMOND
ActiveThe computed 12-month bankruptcy probability of HB DIAMOND is 1.9% (moderate). The 2024 annual accounts show equity of €82k and a net result of €16k. Equity is growing by ~26.2% per year across the filed fiscal years. Its solvency ranks better than 66% of 18942 sector peers (fiscal year 2024). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability72▲+1
Solvency73▲+9
Growth84▲+6
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days only on tighter terms
Liquidity ample (current ratio 1.68 against 1.36 in 2023; short-term debt: 51.9% and cash: 68% of total assets), but 51.9% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
48.1%
Return on assets
9.2%
Age of the figures
21 mo
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 31-05-2026, 304 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
304 d late
2023
152 d late
2022
140 d late
2021
140 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€382k▲ 19.4%
2023 · €319k
2023: €319k
2023 → 2024
EBIT margin
5.9%▲ 0.1pp
2023 · 5.8%
2023: 5.8%
2023 → 2024
Net result
€16k▲ 30.5%
2023 · €12k
2018: €-702
2019: €266
2020: €8k
2021: €27k
2022: €8k
2023: €12k
2018 → 2024
Working capital
€60k▲ 61.2%
2023 · €37k
2018: €-17k
2019: €-6k
2020: €3k
2021: €39k
2022: €49k
2023: €37k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€319k€382k▲ 19.4%
Equity€19k-€46k▲ 146%€54k▲ 17.6%€66k▲ 22.3%€82k▲ 23.8%
Operating result€7k-€34k▲ 381%€15k▼ 56.0%€19k▲ 24.9%€23k▲ 21.3%
Net result€8k-€27k▲ 249%€8k▼ 70.4%€12k▲ 49.0%€16k▲ 30.5%
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 two years in a row; 2024 is 21% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €170k
Fixed assets
€22k▼ 24.8%
Current assets
€148k▲ 4.4%
Equity and liabilities €170k
Equity
€82k▲ 23.8%
Debt
€88k▼ 15.9%
The debt ratio falls from 61.3% to 51.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34k▲
2023 · €30k
Cash flow
€27k▲
2023 · €24k
Solvency
48.1%▲
2023 · 38.7%
Current ratio
1.68▲
2023 · 1.36
Quick ratio
1.64▲
2023 · 1.30
Debt / equity
1.08▼
2023 · 1.58
ROE
19.2%▲
2023 · 18.2%
ROA
9.2%▲
2023 · 7.0%
Interest coverage
81.41▼
2023 · 113.54
Debt
€88k▼
2023 · €104k
Debt ≤ 1 year
€88k▼
2023 · €104k
Income taxes
€6k▲
2023 · €6k
Staff costs
€57k▲
2023 · €30k
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€170k▼
Formation expenses20€0-
Fixed assets21/28€29k€22k▼
Intangible fixed assets21€1k-
Tangible fixed assets22/27€23k€17k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€7k€4k▼
Leasing and similar rights25€0-
Other tangible fixed assets26€14k€11k▼
Assets under construction and advance payments27€0-
Financial fixed assets28€4k€4k▼
Current assets29/58€142k€148k▲
Amounts receivable after more than one year29€0-
Stocks and contracts in progress3€5k€4k▼
Stocks30/36€5k€4k▼
Amounts receivable within one year40/41€31k€29k▼
Other amounts receivable41€31k€29k▼
Cash at bank and in hand54/58€105k€115k▲
Equity and liabilities
Total equity and liabilities10/49€170k€170k▼
Equity10/15€66k€82k▲
Contributions10/11€6k€6k=
Reserves13€12k€28k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€12k€28k▲
Profit (loss) carried forward14€48k€48k=
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Major repairs and maintenance162€0-
Amounts payable17/49€104k€88k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€104k€88k▼
Current portion of amounts payable after more than one year42€0-
Financial debts43€0-
Trade debts44€42k€4k▼
Suppliers440/4€42k€4k▼
Taxes, remuneration and social security45€21k€28k▲
Taxes450/3€21k€28k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€42k€57k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Turnover70€319k€382k▲
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€30k€57k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Other operating charges640/8€5k€3k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€66k€93k▲
Operating profit (loss)9901€19k€23k▲
Financial income75/76B€0€6▲
Recurring financial income75€0€6▲
Non-recurring financial income76B€0-
Financial charges65/66B€267€412▲
Recurring financial charges65€267€412▲
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€18k€22k▲
Income taxes67/77€6k€6k▲
Profit (loss) for the period9904€12k€16k▲
Profit (loss) for the period to be appropriated9905€12k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€60k€63k▲
Profit (loss) brought forward from the previous period14P€48k€48k▲
Transfer to equity691/2€12k€16k▲
To other reserves6921€12k€16k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 304 days late
2024
30-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 152 days late
2023
18-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 140 days late
2022
18-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 140 days late
2021
31-12
Financial
Highest result since 2018net €27k ▲249%
Operating result €34k, net result €27k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.16
Current ratio from 1.09 to 3.16; short-term debt falls from €34k to €18k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €266
Net result €266 after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 184 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Ciney · 1 establishment unit since 2014
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.
Place Monseu 145590 CineyGround area
79 m²
Building footprint
79 m²
Parcel 91030A0487/00G000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Diamond Bar
since 20142.232.982.461
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91030A0487/00G000 | Wallonia | 79 m² | 1 · 79 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteCiney2.232.982.461
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Of 14,028 companies in sector 56301 we hold annual accounts for 4,894. 3,836 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-07-2014
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0489/783645