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HALUMARO

Active
Private limited companyfounded 199134 yrs activeMolenweg 9, 3520 Zonhoven, BelgiumKBO/BCE: BE 0445.690.848
Summary

HALUMARO has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €60,407 and a net result of -€1,165. Equity is growing by ~4.1% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.0% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability67▼-5
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days acceptable
Liquidity ample (current ratio 1.68 against 1.75 in 2023; short-term debt: 17.6% and cash: 26.9% of total assets), and 17.6% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 34 years 0 40 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024
Solvency, return and age of the figures
Solvency
82.4%
Return on assets
-1.6%
Age of the figures
21 mo
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 24-06-2026, 37 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
37 d early
2024
35 d early
2023
47 d early
2022
46 d early
2021
52 d early
2020
36 d early
2019
42 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 42 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

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. Usually files around 15 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 20 November 1991, HALUMARO was incorporated.1 Total assets went from EUR 96,606 in 2018 to EUR 73,334 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2024

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Financials · fiscal year 2024, micro schema

Equity
€60,407▼ 1.9%
2023 · €61,572
Total assets
€73,334▼ 8.9%
2023 · €80,472
Net result
-€1,165
2023 · €1,854
Working capital
€8,787▼ 18.7%
2023 · €10,802
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20202021202220232024
Operating result€4,298▲ 12.6%€2,837▼ 34.0%€5,479▲ 93.1%€2,879▼ 47.5%-€939
Net result€2,629▲ 51.8%€1,670▼ 36.5%€3,883▲ 133%€1,854▼ 52.3%-€1,165
Equity€54,165▲ 5.1%€55,834▲ 3.1%€59,718▲ 7.0%€61,572▲ 3.1%€60,407▼ 1.9%
Total assets€88,366▼ 4.2%€84,327▼ 4.6%€83,968▼ 0.4%€80,472▼ 4.2%€73,334▼ 8.9%
Debt€34,201▼ 16.0%€28,493▼ 16.7%€24,250▼ 14.9%€18,900▼ 22.1%€12,927▼ 31.6%
Working capital€14,098▲ 12.4%€14,248▲ 1.1%€10,591▼ 25.7%€10,802▲ 2.0%€8,787▼ 18.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€2,000€0€2,000€4,000€6,000Operating result 2020: €4,298€4,298Net result 2020: €2,629€2,629Operating result 2021: €2,837€2,837Net result 2021: €1,670€1,670Operating result 2022: €5,479€5,479Net result 2022: €3,883€3,883Operating result 2023: €2,879€2,879Net result 2023: €1,854€1,854Operating result 2024: -€939-€939Net result 2024: -€1,165-€1,16520202021202220232024-€2,000€0€2,000€4,000€6,000Operating result 2022: €5,479€5,480Net result 2022: €3,883€3,880Operating result 2023: €2,879€2,880Net result 2023: €1,854€1,850Operating result 2024: -€939-€939Net result 2024: -€1,165-€1,170202220232024
The operating result turns negative in 2024: a loss of €939 after €2,879 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €73,334
Fixed assets €51,620 ▼ 6.7%
Current assets €21,714 ▼ 13.7%
Equity and liabilities €73,334
Equity €60,407 ▼ 1.9%
Debt €12,927 ▼ 31.6%
Debt's share of the balance-sheet total falls from 23.5% to 17.6%. Equity and debt are lower.
Key figures and ratios
2024 value · change against 2023
EBITDA
€2,741▼
2023 · €6,559
Cash flow
€2,515▼
2023 · €5,534
Current ratio
1.68▼
2023 · 1.75
Debt to equity
0.21▼
2023 · 0.31
ROE
-1.9%▼
2023 · 3.0%
ROA
-1.6%▼
2023 · 2.3%
Interest coverage
13.13▼
2023 · 17.33
Debt ≤ 1 year
€12,927▼
2023 · €14,369
Income taxes
€17▼
2023 · €646
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 12,321 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 90% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a small loss
0.7% went bankrupt
8.6% stopped otherwise
90% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 12,321 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 31 lines
Balance sheet Code20232024
Assets
Total assets20/58€80,472€73,334▼
Fixed assets21/28€55,300€51,620▼
Tangible fixed assets22/27€55,300€51,620▼
Land and buildings22€55,300€51,620▼
Current assets29/58€25,171€21,714▼
Cash at bank and in hand54/58€23,246€19,737▼
Deferred charges and accrued income490/1€1,925€1,977▲
Equity and liabilities
Total equity and liabilities10/49€80,472€73,334▼
Equity10/15€61,572€60,407▼
Contributions10/11€27,500€27,500=
Profit (loss) carried forward14€34,072€32,907▼
Amounts payable17/49€18,900€12,927▼
Amounts payable after more than one year17€4,531-
Financial debts170/4€4,531-
Amounts payable within one year42/48€14,369€12,927▼
Current portion of amounts payable after more than one year42€5,323€4,531▼
Taxes, remuneration and social security45€650-
Taxes450/3€650-
Other amounts payable47/48€8,396€8,396=
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,680€3,680=
Other operating charges640/8€3,370€3,131▼
Gross operating margin9900€9,929€5,872▼
Operating profit (loss)9901€2,879-€939▼
Financial charges65/66B€379€209▼
Recurring financial charges65€379€209▼
Profit (loss) for the period before taxes9903€2,500-€1,148▼
Income taxes67/77€646€17▼
Profit (loss) for the period9904€1,854-€1,165▼
Profit (loss) for the period to be appropriated9905€1,854-€1,165▼
Appropriation of the result
Profit (loss) to be appropriated9906€34,072€32,907▼
Profit (loss) brought forward from the previous period14P€32,218€34,072▲

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,888€3,562€3,347€3,680€3,680=
Other operating charges640/8-€2,689€2,756€3,370€3,131▼ 7.1%
Gross operating margin9900€10,915€9,088€11,582€9,929€5,872▼ 40.9%
Operating profit (loss)9901€4,298€2,837€5,479€2,879-€939▼ 133%
Financial charges65/66B-€615€700€379€209▼ 44.9%
Recurring financial charges65€725€615€700€379€209▼ 44.9%
Profit (loss) for the period before taxes9903€3,572€2,223€4,779€2,500-€1,148▼ 146%
Income taxes67/77€943€553€896€646€17▼ 97.3%
Profit (loss) for the period9904€2,629€1,670€3,883€1,854-€1,165▼ 163%
Profit (loss) for the period to be appropriated9905€2,629€1,670€3,883€1,854-€1,165▼ 163%
Line20202021202220232024Change
Assets
Total assets20/58€88,366€84,327€83,968€80,472€73,334▼ 8.9%
Fixed assets21/28€60,202€56,640€58,980€55,300€51,620▼ 6.7%
Tangible fixed assets22/27€60,202€56,640€58,980€55,300€51,620▼ 6.7%
Land and buildings22-€56,640€58,980€55,300€51,620▼ 6.7%
Current assets29/58€28,164€27,687€24,988€25,171€21,714▼ 13.7%
Amounts receivable within one year40/41€350€440----
Other amounts receivable41-€440----
Cash at bank and in hand54/58€27,814€25,609€23,172€23,246€19,737▼ 15.1%
Deferred charges and accrued income490/1-€1,638€1,816€1,925€1,977▲ 2.7%
Equity and liabilities
Total equity and liabilities10/49€88,366€84,327€83,968€80,472€73,334▼ 8.9%
Equity10/15€54,165€55,834€59,718€61,572€60,407▼ 1.9%
Contributions10/11-€25,000€25,000€27,500€27,500=
Reserves13€2,500€2,500€2,500---
Non-distributable reserves130/1-€2,500€2,500---
Reserves not available under the articles1311-€2,500€2,500---
Profit (loss) carried forward14€26,665€28,334€32,218€34,072€32,907▼ 3.4%
Amounts payable17/49€34,201€28,493€24,250€18,900€12,927▼ 31.6%
Amounts payable after more than one year17€20,136€15,054€9,853€4,531--
Financial debts170/4-€15,054€9,853€4,531--
Amounts payable within one year42/48€14,065€13,439€14,397€14,369€12,927▼ 10.0%
Current portion of amounts payable after more than one year42-€5,082€5,201€5,323€4,531▼ 14.9%
Trade debts44€804€61----
Suppliers440/4-€61----
Taxes, remuneration and social security45--€900€650--
Taxes450/3--€900€650--
Other amounts payable47/48-€8,296€8,296€8,396€8,396=
Line20202021202220232024Change
Profit (loss) for the period9904€2,629€1,670€3,883€1,854-€1,165▼ 163%
+ Depreciation and write-downs630€3,888€3,562€3,347€3,680€3,680=
Operating cash flow (approximation)€6,518€5,231€7,230€5,534€2,515▼ 54.6%
Investment in fixed assets (approximation)-€0-€5,687€0€0-
Change in cash--€2,205-€2,436€74-€3,510▼ 4,851%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
24-06
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
26-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Weakest financial yearnet -€1,165
Net result drops to -€1,165, the lowest in the series.
14-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
15-06
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial Highest result since 2018net €3,883 ▲133%
Operating result €5,479, net result €3,883, both a record.
09-06
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
19-06
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
20-06
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
19-06
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-06
NBB filing Annual accounts filed
fiscal year 2016 · 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.

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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, Zonhoven · 1 establishment unit since 1991
seat establishment The establishment unit on the map
Ground area
3,002 m²
Building footprint
767 m²
Volume, LiDAR
3,455 m³
Parcel 71443E0529/00T000, Flanders · tallest building 7.0 m, ±1 floor. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
HALUMARO
Molenweg 9, 3520 ZonhovenNACE 70201
since 19912.055.084.857
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71443E0529/00T000 Flanders 3,002 m² 1 · 767 m² 7.0 m · 1 fl.
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.

Identification & contact

Identification
Legal formPrivate limited company
Founded20-11-1991
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID 0208:0445690848
Also 9925:BE0445690848
Registered 06-11-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.