Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 3 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 29 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
H.O. Consult from Lobbes, company number BE0768524169, closed financial year 2025 with a result of € -13,483 after tax. For that financial year H.O. Consult recorded a gross margin of € 7,887 and equity of € -23,793. Compared with financial year 2024, the result moved from € -23,079 to € -13,483. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 23, 2026.
€ -23,793
▼ € 13,483 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -13,483
▲ 42 % less loss than in 2024
Profit after tax over the fiscal year.
€ 5,877
▲ 44% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -28,793.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 5,710
No payroll staff. An amount this small is usually a social contribution or pension premium for the director, booked under staff costs.
€ 6,902
▼ 42% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 5,162
▼ 62% vs 2024
Loans from banks and other lenders, long and short.
€ 2,105
▲ 82% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 1,893
▼ 46% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -1,656 | € 39,159 | € -13,178 | € 7,887 | ▲ € 21,065 |
| Profit after taxes | € -9,557 | € 29,140 | € -23,079 | € -13,483 | ▲ € 9,595 |
| Equity | € -16,372 | € 12,769 | € -10,310 | € -23,793 | ▼ € 13,483 |
| Total debts | € 74,990 | € 74,422 | € 72,851 | € 67,316 | ▼ 8% |
| Cash | € 11,023 | € 18,060 | € 4,071 | € 5,877 | ▲ 44% |
| Retained profit | € -21,372 | € 7,769 | € -15,310 | € -28,793 | ▼ € 13,483 |
| Bank debt | € 30,302 | € 22,120 | € 13,742 | € 5,162 | ▼ 62% |
| Balance sheet total | € 58,618 | € 87,191 | € 62,541 | € 43,523 | ▼ 30% |
Key figures of H.O. Consult, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to H.O. Consult?
What happened at H.O. Consult in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 13,483. Source: NBB ↗
- Harmony Glinne-Demaret became a director. NBB
- New establishment in Lobbes. KBO
- Start of the company according to the CBE. KBO
In short
From € 9,557 loss in 2022 to € 13,483 loss in 2025.
Paid € 1,834 in corporate taxes since 2022.
Best year ever: 2023, with € 29,140 profit.
Management
Behind H.O. Consult is Harmony Glinne-Demaret.
Directors
According to the 2025 annual accounts
Harmony Glinne-Demaret
Director
since 2022
Establishments
Establishment units
Physical locations of this company
Rue de l'Entreville 11A
6540 Lobbes
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0768.524.169
- VAT number
- BE 0768.524.169
- Registered office
- Rue de l'Entreville 11A, 6540 Lobbes
- Names & denominations
- H.O. Consult
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 19 May 2021
- Peppol
- Active · Active since 27 Feb 2026
- Contact
- [email protected]
- Activities · NACE
Overige recreatie- en ontspanningsactiviteiten, neg
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