HHBR
ActiveHHBR has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €40k and a net result of €15k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 29% of 26053 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2024
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability73▲+62
Solvency33=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.07 in 2023; short-term debt: 91.7% and cash: 72.3% of total assets), and 91.7% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
8.3%
Return on assets
3.1%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
28 d late
2022
26 d early
2021
26 d early
2020
9 d late
2019
24 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€40k▲ 59.0%
2023 · €25k
2018: €44k
2019: €35k
2020: €37k
2021: €61k
2022: €50k
2023: €25k
2018 → 2024
Total assets
€477k▲ 55.6%
2023 · €306k
2018: €111k
2019: €66k
2020: €181k
2021: €143k
2022: €194k
2023: €306k
2018 → 2024
Net result
€15k
2023 · €-20k
2018: €-15k
2019: €-9k
2020: €2k
2021: €24k
2022: €-11k
2023: €-20k
2018 → 2024
Working capital
€37k▲ 82.1%
2023 · €20k
2018: €13k
2019: €13k
2020: €-4k
2021: €36k
2022: €35k
2023: €20k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€37k-€61k▲ 65.1%€50k▼ 18.2%€25k▼ 50.1%€40k▲ 59.0%
Operating result€2k-€24k▲ 894%€-6k€-20k▼ 224%€15k
Net result€2k-€24k▲ 964%€-11k€-20k▼ 78.9%€15k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €15k after a loss of €20k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €477k
Fixed assets
€2k▼ 47.1%
Current assets
€474k▲ 57.1%
Equity and liabilities €477k
Equity
€40k▲ 59.0%
Debt
€437k▲ 55.3%
The debt ratio falls from 91.9% to 91.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€18k▲
2023 · €-10k
Cash flow
€18k▲
2023 · €-10k
Solvency
8.3%▲
2023 · 8.1%
Current ratio
1.09▲
2023 · 1.07
Quick ratio
1.09▲
2023 · 1.07
Debt / equity
11.03▼
2023 · 11.30
ROE
37.1%▲
2023 · -79.5%
ROA
3.1%▲
2023 · -6.5%
Interest coverage
152.38▲
2023 · -43.36
Debt
€437k▲
2023 · €282k
Debt ≤ 1 year
€437k▲
2023 · €282k
Staff costs
€81k▼
2023 · €88k
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€306k€477k▲
Fixed assets21/28€4k€2k▼
Intangible fixed assets21€3k€1k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€25€25=
Current assets29/58€302k€474k▲
Amounts receivable within one year40/41€43k€128k▲
Trade receivables40€41k€125k▲
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€255k€345k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€306k€477k▲
Equity10/15€25k€40k▲
Contributions10/11€1k€1k=
Outside capital11€1k-
Other1109/19€1k-
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€22k€37k▲
Amounts payable17/49€282k€437k▲
Amounts payable within one year42/48€282k€437k▲
Trade debts44€258k€411k▲
Suppliers440/4€258k€411k▲
Taxes, remuneration and social security45€19k€21k▲
Taxes450/3€6k€2k▼
Remuneration and social security454/9€13k€20k▲
Other amounts payable47/48€5k€5k=
Income statement
Code20232024
Remuneration, social security and pensions62€88k€81k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€4k▼
Other operating charges640/8€858€1k▲
Gross operating margin9900€79k€101k▲
Operating profit (loss)9901€-20k€15k▲
Financial income75/76B€14€5▼
Recurring financial income75€14€5▼
Non-recurring financial income76B€14-
Financial charges65/66B€222€121▼
Recurring financial charges65€222€121▼
Profit (loss) for the period before taxes9903€-20k€15k▲
Profit (loss) for the period9904€-20k€15k▲
Profit (loss) for the period to be appropriated9905€-20k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€37k▲
Profit (loss) brought forward from the previous period14P€42k€22k▼
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
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €24k ▲964%
Operating result €24k, net result €24k, both a record.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
05-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
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, Sint-Jans-Molenbeek · 1 establishment unit since 2012
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.
Picardstraat 381080 Sint-Jans-MolenbeekGround area
335 m²
Building footprint
334 m²
Volume, LiDAR
4,422 m³
Parcel 21012A0157/00H003, Brussels · tallest building 19.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
A-TELMA
since 20122.210.083.632
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21012A0157/00H003 | Brussels | 335 m² | 1 · 334 m² | 19.6 m · 5 fl. |
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.
Similar companies · same sector, comparable size
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E & M
BE 0441.305.854
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EDVH
BE 0746.847.441
Waregem · Eq €40k
JUKE-BOX
BE 0426.726.556
Namur · Eq €39k
GOLD CLEANY
BE 0792.667.469
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Of 4,248 companies in sector 47789 we hold annual accounts for 1,021. 746 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-05-2012
Fiscal year end31-12
Activities, NACEBEL
47789Other retail sale of new goods
47890Retail trade
52250Logistics services
52290Warehousing and support activities for transportation
47793Retail sale of other second-hand goods, excluding clothing
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.