HAUMAN
ActiveHAUMAN has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25k and a net result of €97k. Equity is shrinking by ~10% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 25% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+82
Solvency40▲+40
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.29 against 0.75 in 2024; short-term debt: 77% and cash: 7.6% of total assets), and 85.1% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
14.9%
Return on assets
57.1%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 10345 sector peers (2025).
NBB · sector comparisonPosition among 10345 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
39 d early
2023
29 d early
2022
32 d early
2021
on the day
2020
2 d early
2019
35 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€25k
2024 · €-72k
2019: €88k
2020: €-42k
2021: €-89k
2022: €-73k
2023: €-65k
2024: €-72k
2019 → 2025
Total assets
€170k▲ 9.8%
2024 · €155k
2019: €456k
2020: €292k
2021: €177k
2022: €181k
2023: €179k
2024: €155k
2019 → 2025
Net result
€97k
2024 · €-7k
2019: €7k
2020: €-130k
2021: €-46k
2022: €16k
2023: €8k
2024: €-7k
2019 → 2025
Working capital
€38k
2024 · €-50k
2019: €144k
2020: €18k
2021: €-57k
2022: €-46k
2023: €-37k
2024: €-50k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-89k-€-73k▲ 17.8%€-65k▲ 11.5%€-72k▼ 11.1%€25k
Operating result€-39k-€21k€12k▼ 40.3%€458▼ 96.3%€33k▲ 7,003%
Net result€-46k-€16k€8k▼ 46.6%€-7k€97k
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 7,003% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €170k
Fixed assets
€819▼ 69.7%
Current assets
€170k▲ 11.2%
Equity and liabilities €170k
Equity
€25k
Debt
€145k
Debt finances 85.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€34k▲
2024 · €3k
Cash flow
€99k▲
2024 · €-5k
Solvency
14.9%▲
2024 · -46.3%
Current ratio
1.29▲
2024 · 0.75
Quick ratio
0.13▲
2024 · 0.08
Debt / equity
5.71▲
2024 · -3.16
ROE
383.1%
ROA
57.1%▲
2024 · -4.6%
Interest coverage
5.71▲
2024 · 0.34
Debt
€145k▼
2024 · €227k
Debt ≤ 1 year
€131k▼
2024 · €203k
Debt > 1 year
€11k▼
2024 · €19k
Income taxes
€149▼
2024 · €156
Staff costs
€78k▲
2024 · €69k
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€155k€170k▲
Fixed assets21/28€3k€819▼
Tangible fixed assets22/27€3k€819▼
Plant, machinery and equipment23€955€457▼
Furniture and vehicles24€1k€362▼
Other tangible fixed assets26€438-
Current assets29/58€153k€170k▲
Stocks and contracts in progress3€135k€153k▲
Stocks30/36€135k€153k▲
Amounts receivable within one year40/41€5k€935▼
Trade receivables40€182-
Other amounts receivable41€4k€935▼
Cash at bank and in hand54/58€10k€13k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€155k€170k▲
Equity10/15€-72k€25k▲
Contributions10/11€345k€345k=
Reserves13€3k€3k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€1k€1k=
Profit (loss) carried forward14€-420k€-323k▲
Amounts payable17/49€227k€145k▼
Amounts payable after more than one year17€19k€11k▼
Financial debts170/4€19k€11k▼
Other amounts payable178/9€43-
Amounts payable within one year42/48€203k€131k▼
Current portion of amounts payable after more than one year42€8k€8k=
Financial debts43€74k€5k▼
Credit institutions430/8€74k€5k▼
Trade debts44€30k€25k▼
Suppliers440/4€30k€25k▼
Taxes, remuneration and social security45€34k€36k▲
Taxes450/3€23k€25k▲
Remuneration and social security454/9€10k€11k▲
Other amounts payable47/48€57k€57k▲
Accrued charges and deferred income492/3€5k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62€69k€78k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€74k€114k▲
Operating profit (loss)9901€458€33k▲
Financial income75/76B€915€71k▲
Recurring financial income75€915€71k▲
Financial charges65/66B€8k€6k▼
Recurring financial charges65€8k€6k▼
Profit (loss) for the period before taxes9903€-7k€97k▲
Income taxes67/77€156€149▼
Profit (loss) for the period9904€-7k€97k▲
Profit (loss) for the period to be appropriated9905€-7k€97k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-420k€-323k▲
Profit (loss) brought forward from the previous period14P€-413k€-420k▼
Social balance
Average headcount (FTE)90871.61.7▲
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
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Back to profitnet €97k
Net result €97k after one loss-making year.
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
02-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
30-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Back to profitnet €16k
Net result €16k after 2 loss-making years.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Weakest financial yearnet €-130k ▼2103%
Net result drops to €-130k, the lowest in the series; recovery starts the following year.
2019
27-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-01
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.
Directors · office · real estate
Directors
4 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, Temse · 1 establishment unit since 2000
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.
August Wautersstraat 19140 TemseGround area
413 m²
Building footprint
361 m²
Volume, LiDAR
3,426 m³
Parcel 46302D1406/00G007, Flanders · tallest building 13.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HAUMAN
since 20002.096.456.248
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46302D1406/00G007 | Flanders | 413 m² | 1 · 361 m² | 13.9 m · 3 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.
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Ce que veulent les Hommes
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MONTULET INTERNATIONAL
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CARO FURS
BE 0849.871.042
Tongeren-Borgloon · Eq €29k
WOODLANDS
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Aalter · Eq €22k
WIM VAN DER SMISSEN
BE 0781.747.447
Boechout · Eq €30k
Of 460 companies in sector 47712 we hold annual accounts for 269. 166 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded18-02-2000
Fiscal year end30-06
Activities, NACEBEL
47712Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
52422
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.