Hd & m Group
ActiveThe computed 12-month bankruptcy probability of Hd & m Group is 2.4% (moderate). The 2025 annual accounts show equity of €2k and a net result of €939. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 11238 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
Score 2025
39
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-14
Solvency27▲+1
Growth32=
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.98 against 0.97 in 2024; short-term debt: 98.3% and cash: 0.4% of total assets), and 98.3% 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.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 11238 sector peers (2025).
NBB · sector comparisonPosition among 11238 sector peers
Solvency
better than 20%
← weakest
strongest →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
28 d late
2022
67 d late
2021
33 d late
2020
20 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€316k
EBIT margin
5.3%
Net result
€939▼ 94.0%
2024 · €16k
2020: €16k
2021: €10k
2022: €-48k
2023: €-17k
2024: €16k
2020 → 2025
Working capital
€-3k▲ 24.8%
2024 · €-4k
2020: €24k
2021: €46k
2022: €29k
2023: €2k
2024: €-4k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€51k-€3k▼ 94.9%€-15k€1k€2k▲ 84.4%
Operating result€16k-€-48k€-14k▲ 70.6%€15k€982▼ 93.5%
Net result€10k-€-48k€-17k▲ 64.6%€16k€939▼ 94.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 93% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119k
Fixed assets
€5k=
Current assets
€114k▼ 5.0%
Equity and liabilities €119k
Equity
€2k▲ 84.4%
Debt
€117k▼ 5.6%
The debt ratio falls from 99.1% to 98.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€982▼
2024 · €15k
Cash flow
€939▼
2024 · €16k
Solvency
1.7%▲
2024 · 0.9%
Current ratio
0.98▲
2024 · 0.97
Quick ratio
0.19▲
2024 · 0.06
Debt / equity
56.95
ROE
45.8%
ROA
0.8%▼
2024 · 12.5%
Interest coverage
22.03▼
2024 · 95.53
Debt
€117k▼
2024 · €124k
Debt ≤ 1 year
€117k▼
2024 · €124k
Income taxes
€0▲
2024 · €-633
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€125k€119k▼
Fixed assets21/28€5k€5k=
Tangible fixed assets22/27€0-
Plant, machinery and equipment23€0-
Financial fixed assets28€5k€5k=
Current assets29/58€120k€114k▼
Stocks and contracts in progress3€112k€92k▼
Stocks30/36€112k€92k▼
Amounts receivable within one year40/41€5k€21k▲
Trade receivables40€4k€16k▲
Other amounts receivable41€1k€5k▲
Current investments50/53€2k€0▼
Cash at bank and in hand54/58€43€486▲
Equity and liabilities
Total equity and liabilities10/49€125k€119k▼
Equity10/15€1k€2k▲
Contributions10/11€25k€25k=
Profit (loss) carried forward14€-24k€-23k▲
Amounts payable17/49€124k€117k▼
Amounts payable within one year42/48€124k€117k▼
Trade debts44€3k€6k▲
Suppliers440/4€3k€6k▲
Taxes, remuneration and social security45€31k€30k▼
Taxes450/3€2k€55▼
Remuneration and social security454/9€30k€30k=
Other amounts payable47/48€89k€81k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€387€0▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0€5k▲
Other operating charges640/8€1k€100▼
Gross operating margin9900€17k€6k▼
Operating profit (loss)9901€15k€982▼
Financial income75/76B€104€2▼
Recurring financial income75€104€2▼
Financial charges65/66B€162€45▼
Recurring financial charges65€162€45▼
Profit (loss) for the period before taxes9903€15k€939▼
Income taxes67/77€-633€0▲
Profit (loss) for the period9904€16k€939▼
Profit (loss) for the period to be appropriated9905€16k€939▼
Appropriation of the result
Profit (loss) to be appropriated9906€-24k€-23k▲
Profit (loss) brought forward from the previous period14P€-40k€-24k▲
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €16k
Net result €16k after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 67 days late
2022
31-12
Financial
Weakest financial yearnet €-48k ▼588%
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
02-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 33 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Schaarbeek · 1 establishment unit since 2019
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.
Fraikinstraat 61030 SchaarbeekGround area
282 m²
Building footprint
139 m²
Volume, LiDAR
1,364 m³
Parcel 21910E0146/02P003, Brussels · tallest building 16.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Hd & m Group
since 20192.290.396.266
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21910E0146/02P003 | Brussels | 282 m² | 1 · 138 m² | 16.8 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.
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SHM AUTOS
BE 0792.523.949
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DAEMS CLASSIC
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Of 4,426 companies in sector 46180 we hold annual accounts for 1,886. 410 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-06-2019
Fiscal year end31-12
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
46500Wholesale of information and communication equipment
46520Wholesale trade
46649Wholesale of other machinery and equipment
46841Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.