D. HERMANS
ActiveD. HERMANS has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €769k and a net result of €74k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 60% of 16527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+2
Solvency98▲+6
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 2.15 against 1.69 in 2024; short-term debt: 23.1% and cash: 10.4% of total assets), and 27.5% 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← 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
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
72.5%
Return on assets
7%
Age of the figures
9 mo
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
15 d early
2023
62 d early
2022
40 d early
2021
32 d early
2020
24 d late
2019
42 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€769k▲ 10.7%
2024 · €694k
2018: €537k
2019: €614k
2020: €668k
2021: €738k
2022: €659k
2023: €637k
2024: €694k
2018 → 2025
Total assets
€1.06M▲ 2.5%
2024 · €1.03M
2018: €1.07M
2019: €1.13M
2020: €1.17M
2021: €1.17M
2022: €941k
2023: €1.02M
2024: €1.03M
2018 → 2025
Net result
€74k▲ 30.2%
2024 · €57k
2018: €70k
2019: €77k
2020: €53k
2021: €71k
2022: €83k
2023: €65k
2024: €57k
2018 → 2025
Working capital
€280k▲ 53.3%
2024 · €183k
2018: €19k
2019: €105k
2020: €185k
2021: €272k
2022: €179k
2023: €104k
2024: €183k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€738k-€659k▼ 10.8%€637k▼ 3.2%€694k▲ 9.0%€769k▲ 10.7%
Operating result€109k-€117k▲ 7.3%€105k▼ 10.5%€96k▼ 8.6%€133k▲ 38.6%
Net result€71k-€83k▲ 17.2%€65k▼ 21.5%€57k▼ 12.3%€74k▲ 30.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 39% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.06M
Fixed assets
€535k▼ 8.8%
Current assets
€525k▲ 17.3%
Equity and liabilities €1.06M
Equity
€769k▲ 10.7%
Debt
€291k▼ 14.4%
The debt ratio falls from 32.9% to 27.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€201k▲
2024 · €166k
Cash flow
€142k▲
2024 · €127k
Solvency
72.5%▲
2024 · 67.1%
Current ratio
2.15▲
2024 · 1.69
Quick ratio
2.15▲
2024 · 1.69
Debt / equity
0.38▼
2024 · 0.49
ROE
9.7%▲
2024 · 8.2%
ROA
7.0%▲
2024 · 5.5%
Interest coverage
11.16▲
2024 · 9.03
Debt
€291k▼
2024 · €340k
Debt ≤ 1 year
€244k▼
2024 · €265k
Debt > 1 year
€47k▼
2024 · €65k
Income taxes
€41k▲
2024 · €24k
Staff costs
€47k▼
2024 · €48k
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€1.03M€1.06M▲
Fixed assets21/28€587k€535k▼
Tangible fixed assets22/27€587k€535k▼
Land and buildings22€491k€447k▼
Plant, machinery and equipment23€44k€51k▲
Furniture and vehicles24€53k€37k▼
Current assets29/58€448k€525k▲
Amounts receivable within one year40/41€9k€6k▼
Trade receivables40€1k€0▼
Other amounts receivable41€8k€6k▼
Current investments50/53€350k€403k▲
Cash at bank and in hand54/58€83k€110k▲
Deferred charges and accrued income490/1€6k€6k▼
Equity and liabilities
Total equity and liabilities10/49€1.03M€1.06M▲
Equity10/15€694k€769k▲
Contributions10/11€19k€19k=
Revaluation surpluses12€120k€112k▼
Reserves13€556k€638k▲
Distributable reserves133€556k€638k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€340k€291k▼
Amounts payable after more than one year17€65k€47k▼
Financial debts170/4€65k€47k▼
Amounts payable within one year42/48€265k€244k▼
Current portion of amounts payable after more than one year42€18k€18k▲
Trade debts44€13k€12k▼
Suppliers440/4€13k€12k▼
Taxes, remuneration and social security45€14k€14k▲
Taxes450/3€8k€9k▲
Remuneration and social security454/9€6k€5k▼
Other amounts payable47/48€221k€200k▼
Accrued charges and deferred income492/3€10k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€48k€47k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€68k▼
Other operating charges640/8€5k€6k▲
Gross operating margin9900€219k€254k▲
Operating profit (loss)9901€96k€133k▲
Financial income75/76B€4k€866▼
Recurring financial income75€4k€866▼
Financial charges65/66B€18k€18k▼
Recurring financial charges65€18k€18k▼
Profit (loss) for the period before taxes9903€81k€116k▲
Income taxes67/77€24k€41k▲
Profit (loss) for the period9904€57k€74k▲
Profit (loss) for the period to be appropriated9905€57k€74k▲
Appropriation of the result
Profit (loss) to be appropriated9906€57k€74k▲
Transfer from equity791/2€0-
Transfer to equity691/2€57k€74k▲
To other reserves6921€57k€74k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (8 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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €83k ▲17.2%
Net result €83k, the highest in the series.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Weakest financial yearnet €53k ▼30.8%
Net result drops to €53k, the lowest in the series; recovery starts the following year.
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
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, Peer · 1 establishment unit since 2001
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.
Armand Preud'hommeplein 33990 PeerGround area
158 m²
Building footprint
139 m²
Volume, LiDAR
1,146 m³
Parcel 72030F0117/00K003, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
D. HERMANS
since 20012.159.883.459
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72030F0117/00K003 | Flanders | 158 m² | 1 · 139 m² | 11.7 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
6488X0KS36EZ2R243X75
Similar companies · same sector, comparable size
GEERTS KRISTIAAN
BE 0480.204.240
Antwerpen · Eq €769k
TANDHEELKUNDE EECKHAUT
BE 0759.690.043
Wichelen · Eq €769k
ViDent
BE 0759.573.742
Antwerpen · Eq €769k
MARLEEN STAMMEN TANDARTS-ORTHODONTIE
BE 0864.449.053
Aalst · Eq €769k
IAKOV CLIATCHKO, DENTISTE
BE 0476.719.069
Elsene · Eq €768k
Of 6,942 companies in sector 86230 we hold annual accounts for 4,291. 3,156 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-10-2001
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.