H.MARIA
ActiveH.MARIA has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €8k. Equity is shrinking by ~5% per year across the filed fiscal years. Its solvency ranks better than 71% of 13240 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+77
Solvency79▼-4
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.34 against 1.76 in 2024; short-term debt: 45.7% and cash: 11.1% of total assets), and 45.7% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
54.3%
Return on assets
21%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €21k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 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
5 d late
2024
37 d early
2023
14 d late
2022
25 d late
2021
64 d late
2020
61 d late
2019
55 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▲ 63.0%
2024 · €13k
2018: €18k
2019: €18k
2020: €28k
2021: €30k
2022: €15k
2023: €14k
2024: €13k
2018 → 2025
Total assets
€39k▲ 75.2%
2024 · €22k
2018: €45k
2019: €40k
2020: €45k
2021: €41k
2022: €22k
2023: €18k
2024: €22k
2018 → 2025
Net result
€8k
2024 · €-967
2018: €1k
2019: €98
2020: €10k
2021: €2k
2022: €-15k
2023: €-536
2024: €-967
2018 → 2025
Working capital
€-12k
2024 · €7k
2018: €4k
2019: €5k
2020: €19k
2021: €23k
2022: €9k
2023: €7k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€15k▼ 51.3%€14k▼ 3.7%€13k▼ 6.9%€21k▲ 63.0%
Operating result€3k-€-15k€437€-361€9k
Net result€2k-€-15k€-536▲ 96.5%€-967▼ 80.6%€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €9k after a loss of €361 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €39k
Fixed assets
€33k▲ 447%
Current assets
€6k▼ 62.4%
Equity and liabilities €39k
Equity
€21k▲ 63.0%
Debt
€18k▲ 92.5%
The debt ratio rises from 41.6% to 45.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€12k▲
2024 · €323
Cash flow
€10k▲
2024 · €-283
Solvency
54.3%▼
2024 · 58.4%
Current ratio
0.34▼
2024 · 1.76
Quick ratio
0.25▼
2024 · 1.58
Debt / equity
0.84▲
2024 · 0.71
ROE
38.6%▲
2024 · -7.4%
ROA
21.0%▲
2024 · -4.3%
Interest coverage
16.21▲
2024 · 0.53
Debt
€18k▲
2024 · €9k
Debt ≤ 1 year
€18k▲
2024 · €9k
Income taxes
€412
Staff costs
€20k▲
2024 · €16k
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€22k€39k▲
Fixed assets21/28€6k€33k▲
Tangible fixed assets22/27€1k€28k▲
Plant, machinery and equipment23€272-
Furniture and vehicles24€849€28k▲
Financial fixed assets28€5k€5k▲
Current assets29/58€16k€6k▼
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€11k€161▼
Trade receivables40€7k-
Other amounts receivable41€4k€161▼
Cash at bank and in hand54/58€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€22k€39k▲
Equity10/15€13k€21k▲
Contributions10/11€15k€15k=
Reserves13€12k€12k=
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€-14k€-6k▲
Amounts payable17/49€9k€18k▲
Amounts payable within one year42/48€9k€18k▲
Trade debts44€7k€770▼
Suppliers440/4€7k€770▼
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€138-
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48-€14k
Income statement
Code20242025
Non-recurring operating income76A-€11k
Remuneration, social security and pensions62€16k€20k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€684€2k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€18k€34k▲
Operating profit (loss)9901€-361€9k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€607€716▲
Recurring financial charges65€607€716▲
Profit (loss) for the period before taxes9903€-967€9k▲
Income taxes67/77-€412
Profit (loss) for the period9904€-967€8k▲
Profit (loss) for the period to be appropriated9905€-967€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€-6k▲
Profit (loss) brought forward from the previous period14P€-13k€-14k▼
The notes to these accounts (9 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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after 3 loss-making years.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Weakest financial yearnet €-15k ▼819%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
03-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 64 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Highest result since 2018net €10k ▲9917%
Operating result €12k, net result €10k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.22
Current ratio from 1.39 to 3.22; short-term debt falls from €14k to €9k.
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 55 days late
2019
20-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 51 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
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, Mortsel · 1 establishment unit since 2012
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.
Antwerpsestraat 1642640 MortselGround area
195 m²
Building footprint
141 m²
Volume, LiDAR
1,520 m³
Parcel 11029A0081/00Y000, Flanders · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Milano
since 20122.208.765.719
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11029A0081/00Y000 | Flanders | 195 m² | 1 · 141 m² | 14.1 m · 4 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
Food safety, FASFC
1 siteMortsel2.208.765.719
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,783. 8,129 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-04-2012
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.