Summary
HABEMO GROUP is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €5.87M and a net result of €939k. Equity is growing by ~25.8% per year across the filed fiscal years. Its solvency ranks better than 65% of 5547 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 29-07-2026, 2 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
2 d early
2024
3 d early
2023
56 d early
2022
5 d early
2021
2 d early
2020
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€5.87M▲ 19.1%
2024 · €4.93M
2020: €1.41Mlowest in 6 years
2021: €2.29M▲ +62.6% vs 2020
2022: €2.91M▲ +27.4% vs 2021
2023: €3.99M▲ +37.1% vs 2022
2024: €4.93M▲ +23.4% vs 2023
2025: €5.87M▲ +19.1% vs 2024highest in 6 years
2020 → 2025
Net result
€939k▲ 0.4%
2024 · €936k
2020: €406klowest in 6 years
2021: €880k▲ +117% vs 2020
2022: €625k▼ -28.9% vs 2021
2023: €1.08M▲ +72.7% vs 2022highest in 6 years
2024: €936k▼ -13.4% vs 2023
2025: €939k▲ +0.4% vs 2024
2020 → 2025
Total assets
€8.60M▲ 0.9%
2024 · €8.52M
2020: €8.48M
2021: €8.67M▲ +2.3% vs 2020highest in 6 years
2022: €8.35M▼ -3.7% vs 2021lowest in 6 years
2023: €8.45M▲ +1.3% vs 2022
2024: €8.52M▲ +0.8% vs 2023
2025: €8.60M▲ +0.9% vs 2024
2020 → 2025
Solvency
68.2%▲ 10.4pp
2024 · 57.8%
2020: 16.6%lowest in 6 years
2021: 26.4%▲ +59.0% vs 2020
2022: 34.9%▲ +32.3% vs 2021
2023: 47.2%▲ +35.3% vs 2022
2024: 57.8%▲ +22.4% vs 2023
2025: 68.2%▲ +18.0% vs 2024highest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.29M-€2.91M▲ 27.4%€3.99M▲ 37.1%€4.93M▲ 23.4%€5.87M▲ 19.1%
2021: €2.29Mlowest in 5 years
2022: €2.91M▲ +27.4% vs 2021
2023: €3.99M▲ +37.1% vs 2022
2024: €4.93M▲ +23.4% vs 2023
2025: €5.87M▲ +19.1% vs 2024highest in 5 years
Operating result€795k-€858k▲ 7.9%€1.00M▲ 16.8%€664k▼ 33.8%€679k▲ 2.3%
2021: €795k
2022: €858k▲ +7.9% vs 2021
2023: €1.00M▲ +16.8% vs 2022highest in 5 years
2024: €664k▼ -33.8% vs 2023lowest in 5 years
2025: €679k▲ +2.3% vs 2024
Net result€880k-€625k▼ 28.9%€1.08M▲ 72.7%€936k▼ 13.4%€939k▲ 0.4%
2021: €880k
2022: €625k▼ -28.9% vs 2021lowest in 5 years
2023: €1.08M▲ +72.7% vs 2022highest in 5 years
2024: €936k▼ -13.4% vs 2023
2025: €939k▲ +0.4% vs 2024
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.60M
Fixed assets
€8.26M ▲ 0.5%
Current assets
€345k ▲ 12.7%
Equity and liabilities €8.60M
Equity
€5.87M ▲ 19.1%
Debt
€2.73M ▼ 24.0%
Debt's share of the balance-sheet total falls from 42.2% to 31.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
16.0%▼
2024 · 19.0%
ROA
10.9%▼
2024 · 11.0%
Debt ≤ 1 year
€990k▼
2024 · €1.05M
Debt > 1 year
€1.74M▼
2024 · €2.55M
Income taxes
€153k▲
2024 · €147k
Staff costs
€11k
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 · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€8.52M€8.60M▲
Fixed assets21/28€8.22M€8.26M▲
Tangible fixed assets22/27-€38k
Furniture and vehicles24-€38k
Financial fixed assets28€8.22M€8.22M=
Current assets29/58€306k€345k▲
Amounts receivable within one year40/41€183k€229k▲
Trade receivables40€78k€97k▲
Other amounts receivable41€105k€132k▲
Cash at bank and in hand54/58€120k€114k▼
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€8.52M€8.60M▲
Equity10/15€4.93M€5.87M▲
Contributions10/11€1.00M€1.00M=
Profit (loss) carried forward14€3.93M€4.87M▲
Amounts payable17/49€3.60M€2.73M▼
Amounts payable after more than one year17€2.55M€1.74M▼
Financial debts170/4€2.55M€1.74M▼
Amounts payable within one year42/48€1.05M€990k▼
Current portion of amounts payable after more than one year42€860k€804k▼
Financial debts43€92k€67k▼
Credit institutions430/8€92k€67k▼
Trade debts44€59k€61k▲
Suppliers440/4€59k€61k▲
Taxes, remuneration and social security45€38k€57k▲
Taxes450/3€38k€51k▲
Remuneration and social security454/9-€7k
Income statement
Code20242025
Remuneration, social security and pensions62-€11k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€4k
Other operating charges640/8€17k€17k▲
Gross operating margin9900€681k€711k▲
Operating profit (loss)9901€664k€679k▲
Financial income75/76B€498k€482k▼
Recurring financial income75€498k€482k▼
Financial charges65/66B€79k€69k▼
Recurring financial charges65€79k€69k▼
Profit (loss) for the period before taxes9903€1.08M€1.09M▲
Income taxes67/77€147k€153k▲
Profit (loss) for the period9904€936k€939k▲
Profit (loss) for the period to be appropriated9905€936k€939k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3.93M€4.87M▲
Profit (loss) brought forward from the previous period14P€2.99M€3.93M▲
Social balance
Average headcount (FTE)9087-0.2
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | - | €11k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | - | €4k | - |
| Other operating charges640/8 | €471 | €980 | €960 | €17k | €17k | ▲ 3.1% |
| Gross operating margin9900 | €796k | €859k | €1.00M | €681k | €711k | ▲ 4.5% |
| Operating profit (loss)9901 | €795k | €858k | €1.00M | €664k | €679k | ▲ 2.3% |
| Financial income75/76B | €360k | €52k | €419k | €498k | €482k | ▼ 3.1% |
| Recurring financial income75 | €360k | €52k | €419k | €498k | €482k | ▼ 3.1% |
| Financial charges65/66B | €102k | €94k | €89k | €79k | €69k | ▼ 12.9% |
| Recurring financial charges65 | €102k | €94k | €89k | €79k | €69k | ▼ 12.9% |
| Profit (loss) for the period before taxes9903 | €1.05M | €817k | €1.33M | €1.08M | €1.09M | ▲ 0.9% |
| Income taxes67/77 | €173k | €191k | €252k | €147k | €153k | ▲ 4.0% |
| Profit (loss) for the period9904 | €880k | €625k | €1.08M | €936k | €939k | ▲ 0.4% |
| Profit (loss) for the period to be appropriated9905 | €880k | €625k | €1.08M | €936k | €939k | ▲ 0.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €8.67M | €8.35M | €8.45M | €8.52M | €8.60M | ▲ 0.9% |
| Fixed assets21/28 | €8.06M | €8.22M | €8.22M | €8.22M | €8.26M | ▲ 0.5% |
| Tangible fixed assets22/27 | - | - | - | - | €38k | - |
| Furniture and vehicles24 | - | - | - | - | €38k | - |
| Financial fixed assets28 | €8.06M | €8.22M | €8.22M | €8.22M | €8.22M | = |
| Current assets29/58 | €611k | €128k | €236k | €306k | €345k | ▲ 12.7% |
| Amounts receivable within one year40/41 | €481k | €34k | €116k | €183k | €229k | ▲ 25.5% |
| Trade receivables40 | €121k | €25k | €56k | €78k | €97k | ▲ 24.8% |
| Other amounts receivable41 | €360k | €9k | €60k | €105k | €132k | ▲ 26.0% |
| Cash at bank and in hand54/58 | €130k | €93k | €118k | €120k | €114k | ▼ 4.7% |
| Deferred charges and accrued income490/1 | - | - | €2k | €3k | €1k | ▼ 63.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €8.67M | €8.35M | €8.45M | €8.52M | €8.60M | ▲ 0.9% |
| Equity10/15 | €2.29M | €2.91M | €3.99M | €4.93M | €5.87M | ▲ 19.1% |
| Contributions10/11 | €1.00M | €1.00M | €1.00M | €1.00M | €1.00M | = |
| Profit (loss) carried forward14 | €1.29M | €1.91M | €2.99M | €3.93M | €4.87M | ▲ 23.9% |
| Amounts payable17/49 | €6.38M | €5.43M | €4.46M | €3.60M | €2.73M | ▼ 24.0% |
| Amounts payable after more than one year17 | €5.11M | €4.26M | €3.41M | €2.55M | €1.74M | ▼ 31.6% |
| Financial debts170/4 | €5.11M | €4.26M | €3.41M | €2.55M | €1.74M | ▼ 31.6% |
| Amounts payable within one year42/48 | €1.27M | €1.17M | €1.06M | €1.05M | €990k | ▼ 5.6% |
| Current portion of amounts payable after more than one year42 | €845k | €850k | €855k | €860k | €804k | ▼ 6.5% |
| Financial debts43 | - | €58k | €92k | €92k | €67k | ▼ 26.9% |
| Credit institutions430/8 | - | €58k | €92k | €92k | €67k | ▼ 26.9% |
| Trade debts44 | €49k | €51k | €68k | €59k | €61k | ▲ 4.5% |
| Suppliers440/4 | €49k | €51k | €68k | €59k | €61k | ▲ 4.5% |
| Taxes, remuneration and social security45 | €375k | €213k | €40k | €38k | €57k | ▲ 49.8% |
| Taxes450/3 | €375k | €213k | €40k | €38k | €51k | ▲ 32.4% |
| Remuneration and social security454/9 | - | - | - | - | €7k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €880k | €625k | €1.08M | €936k | €939k | ▲ 0.4% |
| + Depreciation and write-downs630 | - | - | - | - | €4k | - |
| Operating cash flow (approximation) | €880k | €625k | €1.08M | €936k | €944k | ▲ 0.9% |
| Investment in fixed assets (approximation) | - | €-163k | €0 | €0 | €-42k | - |
| Change in cash | - | €-37k | €25k | €2k | €-6k | ▼ 387% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €5MEq €5.87M ▲19.1%
6 profitable years in a row build equity to €5.87M.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2020net €1.08M ▲72.7%
Operating result €1.00M, net result €1.08M, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €2MEq €2.29M ▲62.6%
2 profitable years in a row build equity to €2.29M.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Bilzen-Hoeselt · 1 establishment unit since 2019
Ground area
1.3 ha
Building footprint
4,639 m²
Parcel 73006A0087/00A000, Flanders. Linked by address, not a title deed.
14
companies at this address
See who is registered here
1 establishment unit
HABEMO GROUP
since 20192.295.463.230
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73006A0087/00A000 | Flanders | 1.3 ha | 1 · 4,639 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
GALLINA
BE 0759.446.256
Wingene · Eq €5,864,661
PALENCO
BE 0450.395.645
Menen · Eq €5,869,167
DAPITEX
BE 0474.636.440
Destelbergen · Eq €5,874,175
TRANSEO INTERNATIONAL
BE 0836.359.635
Brussel · Eq €5,858,699
INVEST PARTICIPATIES
BE 0704.800.713
Knokke-Heist · Eq €5,855,453
Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 7,621 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-10-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.