H M & P
ActiveSummary
H M & P has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.56M and a net result of €533k. Equity is growing by ~3.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability88▲+65
Solvency69▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 63.62 against 6.77 in 2023; short-term debt: 0.5% and cash: 14.2% of total assets), but 55.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
44.5%
Return on assets
15.2%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-07-2025, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
7 d early
2023
29 d late
2022
30 d late
2021
24 d late
2020
61 d late
2019
61 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, unclassified schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€533k▲ 613%
2023 · €75k
2018: €-32k
2019: €-64k
2020: €-42k
2021: €39k
2022: €732k
2023: €75k
2018 → 2024
Working capital
€1.12M▲ 68.5%
2023 · €662k
2018: €361k
2019: €325k
2020: €289k
2021: €113k
2022: €602k
2023: €662k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€911k-€714k▼ 21.6%€1.05M▲ 47.5%€1.03M▼ 2.3%€1.56M▲ 51.8%
Operating result€79k-€159k▲ 103%€338k▲ 112%€-5k€23k
Net result€-42k-€39k€732k▲ 1,795%€75k▼ 89.8%€533k▲ 613%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €23k after a loss of €5k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.51M
Fixed assets
€2.38M ▼ 0.9%
Current assets
€1.13M ▲ 45.9%
Equity and liabilities €3.51M
Equity
€1.56M ▲ 51.8%
Provisions
€154k ▼ 92.4%
Debt
€1.80M ▲ 1,468%
Debt's share of the balance-sheet total rises from 3.6% to 51.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€44k▲
2023 · €16k
Cash flow
€554k▲
2023 · €96k
Current ratio
63.62▲
2023 · 6.77
Debt to equity
1.15▲
2023 · 0.11
ROE
34.1%▲
2023 · 7.3%
ROA
15.2%▲
2023 · 2.4%
Interest coverage
607.98▲
2023 · 0.12
Debt ≤ 1 year
€18k▼
2023 · €115k
Debt > 1 year
€1.78M
Income taxes
€35k▲
2023 · €4
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 46 lines
Balance sheet
Code20232024
Assets
Total assets20/58€3.18M€3.51M▲
Fixed assets21/28€2.40M€2.38M▼
Tangible fixed assets22/27€616k€595k▼
Land and buildings22€616k€595k▼
Financial fixed assets28€1.79M€1.79M=
Current assets29/58€776k€1.13M▲
Amounts receivable within one year40/41-€548k
Trade receivables40-€1k
Other amounts receivable41-€547k
Current investments50/53€85k€85k=
Cash at bank and in hand54/58€691k€499k▼
Equity and liabilities
Total equity and liabilities10/49€3.18M€3.51M▲
Equity10/15€1.03M€1.56M▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€1.01M€1.54M▲
Provisions and deferred taxes16€2.03M€154k▼
Provisions for liabilities and charges160/5€2.03M€154k▼
Other liabilities and charges164/5€2.03M€154k▼
Amounts payable17/49€115k€1.80M▲
Amounts payable after more than one year17-€1.78M
Other amounts payable178/9-€1.78M
Amounts payable within one year42/48€115k€18k▼
Trade debts44€3k€10k▲
Suppliers440/4€3k€10k▲
Taxes, remuneration and social security45€8k€8k▼
Taxes450/3€8k€8k▼
Other amounts payable47/48€104k-
Income statement
Code20232024
Non-recurring operating income76A-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€21k=
Provisions for liabilities and charges: additions (uses and reversals)635/8€99k-
Other operating charges640/8€3k€3k▲
Gross operating margin9900€118k€47k▼
Operating profit (loss)9901€-5k€23k▲
Financial income75/76B€212k€546k▲
Recurring financial income75€212k€546k▲
Financial charges65/66B€132k€72▼
Recurring financial charges65€132k€72▼
Profit (loss) for the period before taxes9903€75k€568k▲
Income taxes67/77€4€35k▲
Profit (loss) for the period9904€75k€533k▲
Profit (loss) for the period to be appropriated9905€75k€533k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.01M€1.54M▲
Profit (loss) brought forward from the previous period14P€934k€1.01M▲
Transfer from equity791/2€99k-
Profit to be distributed694/7€99k-
Return on contributions (dividend)694€99k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
31-12
Financial
Liquidity times 9current ratio 63.62
Current ratio from 6.77 to 63.62; short-term debt falls from €115k to €18k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema · 29 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 6.77
Current ratio from 2.52 to 6.77; short-term debt falls from €397k to €115k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €732k ▲1795%
Operating result €338k, net result €732k, both a record.
31-12
Financial
Equity above €1MEq €1.05M ▲47.5%
2 profitable years in a row build equity to €1.05M.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema · 24 days late
2021
31-12
Financial
Back to profitnet €39k
Net result €39k after 3 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema · 61 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 61 days late
2019
31-12
Financial
Weakest financial yearnet €-64k
Net result drops to €-64k, the lowest in the series; recovery starts the following year.
Show earlier events
31-12
Financial
Liquidity quadruplescurrent ratio 42.03
Current ratio from 11.28 to 42.03; short-term debt falls from €35k to €8k.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Amel · 1 establishment unit since 1996
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.
Medell,Depertzberg 84770 Amel1 establishment unit
Steinerberg 5, 4780 Sankt Vith
since 19962.075.148.714
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Of 5,699 companies in sector 70100 we hold annual accounts for 3,494. 1,725 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-1995
Fiscal year end31-12
Activities, NACEBEL 2025
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filings
Scores and ratios are computed by Checked and are not a credit decision.