CF HERMANS
ActiveCF HERMANS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €197k and a net result of €25k. Equity is growing by ~9.8% per year across the filed fiscal years. Its solvency ranks better than 87% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-9
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 8.67 against 10.81 in 2024; short-term debt: 10.9% and cash: 24.5% of total assets), and 11.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
88.8%
Return on assets
11.1%
Age of the figures
9 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
7 d early
2023
23 d late
2022
3 d early
2021
2 d early
2020
31 d early
2019
2 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€197k▲ 10.1%
2024 · €179k
2018: €106k
2019: €112k
2020: €122k
2021: €138k
2022: €152k
2023: €170k
2024: €179k
2018 → 2025
Total assets
€222k▲ 13.2%
2024 · €196k
2018: €120k
2019: €121k
2020: €135k
2021: €153k
2022: €168k
2023: €184k
2024: €196k
2018 → 2025
Net result
€25k▼ 33.9%
2024 · €37k
2018: €28k
2019: €7k
2020: €20k
2021: €30k
2022: €34k
2023: €37k
2024: €37k
2018 → 2025
Working capital
€186k▲ 13.7%
2024 · €163k
2018: €94k
2019: €104k
2020: €108k
2021: €130k
2022: €147k
2023: €161k
2024: €163k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€138k-€152k▲ 10.0%€170k▲ 11.6%€179k▲ 5.4%€197k▲ 10.1%
Operating result€44k-€50k▲ 13.3%€53k▲ 6.5%€52k▼ 3.2%€34k▼ 34.3%
Net result€30k-€34k▲ 11.3%€37k▲ 8.7%€37k▲ 1.1%€25k▼ 33.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 34% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €222k
Fixed assets
€12k▼ 25.0%
Current assets
€210k▲ 16.6%
Equity and liabilities €222k
Equity
€197k▲ 10.1%
Debt
€25k▲ 46.6%
The debt ratio rises from 8.6% to 11.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€40k▼
2024 · €57k
Cash flow
€31k▼
2024 · €42k
Solvency
88.8%▼
2024 · 91.4%
Current ratio
8.67▼
2024 · 10.81
Quick ratio
8.67▼
2024 · 10.81
Debt / equity
0.13▲
2024 · 0.09
ROE
12.5%▼
2024 · 20.8%
ROA
11.1%▼
2024 · 19.0%
Interest coverage
44.08▼
2024 · 83.28
Debt
€25k▲
2024 · €17k
Debt ≤ 1 year
€24k▲
2024 · €17k
Income taxes
€12k▼
2024 · €17k
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€196k€222k▲
Fixed assets21/28€16k€12k▼
Tangible fixed assets22/27€16k€12k▼
Furniture and vehicles24€3k€3k▲
Other tangible fixed assets26€13k€9k▼
Current assets29/58€180k€210k▲
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Amounts receivable within one year40/41€26k€19k▼
Trade receivables40€22k€15k▼
Other amounts receivable41€4k€4k▲
Current investments50/53€125k€120k▼
Cash at bank and in hand54/58€26k€54k▲
Deferred charges and accrued income490/1€2k€17k▲
Equity and liabilities
Total equity and liabilities10/49€196k€222k▲
Equity10/15€179k€197k▲
Contributions10/11€12k€12k=
Reserves13€167k€185k▲
Distributable reserves133€167k€185k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€17k€25k▲
Amounts payable within one year42/48€17k€24k▲
Financial debts43-€5k
Credit institutions430/8-€5k
Trade debts44€7k€3k▼
Suppliers440/4€7k€3k▼
Taxes, remuneration and social security45€3k€9k▲
Taxes450/3€3k€9k▲
Other amounts payable47/48€6k€7k▲
Accrued charges and deferred income492/3€246€546▲
Income statement
Code20242025
Non-recurring operating income76A-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€58k€42k▼
Operating profit (loss)9901€52k€34k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€682€905▲
Recurring financial charges65€682€905▲
Profit (loss) for the period before taxes9903€54k€37k▼
Income taxes67/77€17k€12k▼
Profit (loss) for the period9904€37k€25k▼
Profit (loss) for the period to be appropriated9905€37k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€37k€25k▼
Transfer from equity791/2€28k€7k▼
Transfer to equity691/2€37k€25k▼
To other reserves6921€37k€25k▼
Profit to be distributed694/7€28k€7k▼
Return on contributions (dividend)694€28k€7k▼
The notes to these accounts (12 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €37k ▲1.1%
Net result €37k, the highest in the series.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €152k ▲10%
5 profitable years in a row build equity to €152k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €7k ▼76.7%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Keerbergen · 1 establishment unit since 2009
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.
Burundidreef 63140 KeerbergenGround area
1,774 m²
Building footprint
169 m²
Volume, LiDAR
994 m³
Parcel 24472F0175/00C000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CF HERMANS
since 20092.183.655.288
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24472F0175/00C000 | Flanders | 1,773 m² | 1 · 169 m² | 8.3 m · 2 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.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 40,113 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-11-2009
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:Johan.Hermans@cfhermans.be
Phone:0475667052