HUBERT SERVICES MANAGEMENT

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of HUBERT SERVICES MANAGEMENT is 1.7% (moderate). The 2025 annual accounts show equity of €61k and a net result of €19k. Equity is growing by ~47.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 1408 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

3 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 95% of 1408 peers (2025). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-06-2026, 54 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	07-06-2026	54 d early	2026-00143081
31-12-2024	31-07-2025	18-06-2025	43 d early	2025-00154162
31-12-2023	31-07-2024	13-06-2024	48 d early	2024-00134425
31-12-2022	31-07-2023	10-07-2023	21 d early	2023-00219493

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

1.7% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€19k+34.6%

Working capital€61k+45.4%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 07-06-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~47.9%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	94.2%	23.8%	better than 95% of 1408 sector peers
Net result	€19k	€8k	better than 66% of 1405 sector peers
Equity	€61k	€26k	better than 68% of 1409 sector peers
Gross operating margin	€30k	€36k	better than 46% of 1402 sector peers
Total assets	€65k	€133k	better than 30% of 1409 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P95

Improving position over 2022-2025 · n=1408-6698

Net result P66

Stable position over 2022-2025 · n=1405-6678

Equity P68

Improving position over 2022-2025 · n=1409-6712

Gross operating margin P46

Stable position over 2022-2025 · n=1402-6657

Describes the position versus peers, not a forecast.

EBITDA

€29k

+39.8% 22-25

Net profit

€19k

+34.6% 22-25

Cash flow

€19k

+30.5% 22-25

Total assets

€65k

+34.8% 22-25

Equity

€61k

+44.6% 22-25

Working capital

€61k

+45.4% 22-25

Income taxes

€10k

+61.5% 22-25

Debt

€4k

-35.9% 22-25

Debt ≤ 1y

€4k

-35.9% 22-25

Current ratio

17.35

+111.5% 22-25

Quick ratio

17.35

+111.5% 22-25

Solvency

94.2%

+7.2% 22-25

Debt / equity

0.06

-55.7% 22-25

ROE

30.8%

-6.9% 22-25

ROA

29.0%

-0.1% 22-25

Interest coverage

318.75

-23.3% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€29k
Net profit	€19k
Cash flow	€19k
Staff costs	-
Income taxes	€10k
Dividends	-
Total assets	€65k
Equity	€61k
Debt	€4k
of which ≤ 1y	€4k
of which > 1y	-
Working capital	€61k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	17.35
Quick ratio	17.35
Working capital ratio	94.2%
Solvency	94.2%
Debt / equity	0.06
Long-term debt ratio	-
Interest coverage	318.75
Gross margin	-
Net margin	-
ROA	29.0%
ROE	30.8%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Equity & liabilities

Equity €61k · 94.2% Debt €4k · 5.8%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€65k
Current assets	29/58	€65k
Cash & bank	54/58	€63k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€65k
Equity	10/15	€61k
Contributions / capital	10/11	€5k
Reserves	13	€56k
Accumulated profits (losses)	14	€2
Amounts payable	17/49	€4k
Amounts payable within one year	42/48	€4k
Trade debts payable within one year	44	€437
Income statement
Gross operating margin	9900	€30k
Operating result	9901	€29k
Financial charges	65	€92
Result before taxes	9903	€29k
Income taxes	67/77	€10k
Net result for the period	9904	€19k
Result to be appropriated	9905	€19k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

100 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Locations & real estate

Registered office

from the Crossroads Bank

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 de Bienne(VBR) 117120 Estinnes

Parcels1

Ground area2,192 m²

Buildings1

Building footprint225 m²

Volume (LiDAR)1,357 m³

Tallest building8.3 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
56080A0397/00P000	Wallonia	2,192 m²	1 · 225 m²	8.3 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

94 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100

Profitability 100

Solvency 100

Growth 78

Stability 94

Ask AI about this company

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

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We hold annual accounts for 496 of the 5,225 companies in this sector. 424 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Apotheken47730Detailhandel in farmaceutische producten47730Overige menselijke gezondheidszorg, n.e.g.86909Activiteiten op het gebied van voeding86995

Primary activity highlighted.

Names & trade names

Legal nameFR	HUBERT SERVICES MANAGEMENT
AbbreviationFR	HSM

Registered office

Rue de Bienne(VBR) 11

7120 Estinnes, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.