H&M SOLUTIONS

Active

Private limited companyfounded 20241 yr activeWithuisstraat 35, 9300 Aalst, BelgiumKBO/BCE: BE 1017.479.124

Summary

The computed 12-month bankruptcy probability of H&M SOLUTIONS is 1.9% (moderate). The 2025 annual accounts show equity of €4,185 and a net result of €2,185. Its solvency ranks better than 49% of 5080 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

H&M SOLUTIONSActiveChecked score 56/100

Risk analysis Report Compare

Activity

Freight transport by road

NACE 49410Other postal and courier activities NACE 53200

1 site

Size

€11,182total assets 2025

Equity: €4,185
Profit: €2,185

Turnover not published (abridged schema)

Financial health

56 Fair Checked score 2025

Bankruptcy chance 12 m: 1.9%

Structure

Accounts 2 d early0 of 2 deeds read

Why 56- Founded in 2024- Sector Land transport and transport via pipelines (NACE 49)- 1 change of registered office in 24 months+ Liquidity: current ratio 1.60, cash €6,009Show the evidence

Checked score

Score 2025

56 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 66% of its sector peers (NACE 49, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 62

equity 37.4% of total assets

Liquidity 67

short-term debt 62.6% · cash 53.7%

Profitability 86

return on assets 19.5%

Bankruptcy probability, 12 months

1.9% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 2.0% (8,980 companies)

Last 24 months 01-2026: 6.5% 02-2026: 6.6%▲ +2.0% vs 01-2026 03-2026: 6.7%▲ +1.5% vs 02-2026 04-2026: 6.9%▲ +2.1% vs 03-2026 05-2026: 7.1%▲ +3.2% vs 04-2026 06-2026: 7.6%▲ +7.4% vs 05-2026 07-2026: 7.9%▲ +3.7% vs 06-2026highest value 08-2026: 1.9%▼ -76.1% vs 07-2026lowest value 09-2026: 1.9%● 0.0% vs 08-2026lowest value 10-2026: 1.9%● 0.0% vs 09-2026lowest value

Founded in 2024 raises the probability for this profile
Sector Land transport and transport via pipelines (NACE 49) raises the probability
1 change of registered office in 24 months raises the probability
Liquidity: current ratio 1.60, cash €6,009 lowers the probability

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 49, micro). Better than this share of them on solvency 49%, liquidity 74%, profitability 76%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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