H.M.M.
ActiveH.M.M. has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €126k and a net result of €-5k. Equity is growing by ~30.3% per year across the filed fiscal years. Its solvency ranks better than 12% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▼-71
Solvency29▼-71
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.36 against 5.93 in 2024; short-term debt: 30.6% and cash: 0.8% of total assets), and 96.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 · 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 31544 sector peers (2025).
NBB · sector comparisonPosition among 31544 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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
4 d late
2024
14 d late
2023
14 d early
2022
19 d early
2021
30 d early
2020
11 d early
2019
77 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€126k▼ 3.5%
2024 · €131k
2018: €54k
2019: €5k
2020: €16k
2021: €56k
2022: €83k
2023: €103k
2024: €131k
2018 → 2025
Total assets
€3.49M▲ 2,008%
2024 · €165k
2018: €505k
2019: €5k
2020: €58k
2021: €122k
2022: €164k
2023: €142k
2024: €165k
2018 → 2025
Net result
€-5k
2024 · €28k
2018: €52k
2019: €-5k
2020: €14k
2021: €40k
2022: €27k
2023: €20k
2024: €28k
2018 → 2025
Working capital
€-682k
2024 · €137k
2018: €317k
2020: €6k
2021: €45k
2022: €75k
2023: €100k
2024: €137k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€56k-€83k▲ 47.5%€103k▲ 24.0%€131k▲ 27.1%€126k▼ 3.5%
Operating result€61k-€49k▼ 20.2%€31k▼ 35.8%€41k▲ 29.6%€-3k
Net result€40k-€27k▼ 33.1%€20k▼ 25.6%€28k▲ 40.2%€-5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €41k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.49M
Fixed assets
€3.10M▲ 1,266,136%
Current assets
€385k▲ 133%
Equity and liabilities €3.49M
Equity
€126k▼ 3.5%
Provisions
€0▼ 100%
Debt
€3.36M▲ 9,682%
The debt ratio rises from 20.8% to 96.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-3k▼
2024 · €44k
Cash flow
€-4k▼
2024 · €32k
Solvency
3.6%▼
2024 · 79.2%
Current ratio
0.36▼
2024 · 5.93
Quick ratio
0.36▼
2024 · 5.93
Debt / equity
26.58▲
2024 · 0.26
ROE
-3.7%▼
2024 · 21.3%
ROA
-0.1%▼
2024 · 16.9%
Interest coverage
-1.78▼
2024 · 199.28
Debt
€3.36M▲
2024 · €34k
Debt ≤ 1 year
€1.07M▲
2024 · €28k
Debt > 1 year
€2.29M
Income taxes
€0▼
2024 · €14k
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€165k€3.49M▲
Fixed assets21/28€245€3.10M▲
Tangible fixed assets22/27€245-
Furniture and vehicles24€245-
Financial fixed assets28-€3.10M
Current assets29/58€165k€385k▲
Amounts receivable after more than one year29€125k€355k▲
Other amounts receivable291€125k€355k▲
Amounts receivable within one year40/41€1€1k▲
Trade receivables40€1€1k▲
Cash at bank and in hand54/58€40k€29k▼
Deferred charges and accrued income490/1€400€152▼
Equity and liabilities
Total equity and liabilities10/49€165k€3.49M▲
Equity10/15€131k€126k▼
Contributions10/11€5k€5k=
Reserves13€124k€124k=
Tax-exempt reserves132-€124k
Distributable reserves133€124k-
Profit (loss) carried forward14€2k€-3k▼
Provisions and deferred taxes16€1-
Provisions for liabilities and charges160/5€1-
Other liabilities and charges164/5€1-
Amounts payable17/49€34k€3.36M▲
Amounts payable after more than one year17-€2.29M
Other amounts payable178/9-€2.29M
Amounts payable within one year42/48€28k€1.07M▲
Trade debts44-€17k
Suppliers440/4-€17k
Taxes, remuneration and social security45€28k€38▼
Taxes450/3€28k€38▼
Other amounts payable47/48-€1.05M
Accrued charges and deferred income492/3€7k€552▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€245▼
Other operating charges640/8€652€395▼
Gross operating margin9900€45k€-2k▼
Operating profit (loss)9901€41k€-3k▼
Financial income75/76B€1k-
Recurring financial income75€1k-
Financial charges65/66B€223€2k▲
Recurring financial charges65€223€2k▲
Profit (loss) for the period before taxes9903€42k€-5k▼
Income taxes67/77€14k€0▼
Profit (loss) for the period9904€28k€-5k▼
Profit (loss) for the period to be appropriated9905€28k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€-3k▼
Profit (loss) brought forward from the previous period14P€611€2k▲
Transfer to equity691/2€27k-
To the legal reserve6920€27k-
The notes to these accounts (5 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €103k ▲24%
4 profitable years in a row build equity to €103k.
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
15-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-5k ▼109%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
12-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Welkenraedt · 1 establishment unit since 2006
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 Prince Albert 14840 WelkenraedtGround area
451 m²
Building footprint
215 m²
Volume, LiDAR
2,399 m³
2 parcels, Wallonia · tallest building 14.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
H.M.M.
since 20062.154.831.244
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63027B1998/00H000 | Wallonia | 326 m² | 1 · 72 m² | 9.7 m · 3 fl. |
| 63084A0240/00G015 | Wallonia | 125 m² | 1 · 143 m² | 14.9 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 5,691 companies in sector 70100 we hold annual accounts for 3,489. 2,330 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-05-2006
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.