Equity
€26,681 from €194,700 in 2018
Equity fell by 86% in 7 years.
HEJMO
Lifetime
19 annual accounts with figures on one time axis, 23 filings since 2003peak €140,126 (2018)
€490▼ 92.0%
lowest -€36,983 (2020)
-€4,005▼ €10,026
peak €194,700 (2018)
€26,681▼ 13.1%
€12,072▼ 24.0%
Board2 names since 2020
1 directorThijs Rudi
Documentsfilings and deeds
26-03-202635 days before the deadline
2025micro format
Gross margin from €6,097 to €490Loss of €4,005Equity from €30,686 to €26,681Debts from €15,884 to €12,072
Key points
from the 2025 annual accountsFilings
23 annual accounts since 2003
The last five annual accounts were filed 33 to 50 days before the end of the period.
At the same address
36 companies
Checked score
93
Excellent
Financially stronger than 45% of micro companies in education (NACE 85)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 3,825 companies (NACE 85, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025lowest value
05-2025: < 0.1%● unchanged vs 04-2025lowest value
06-2025: < 0.1%● unchanged vs 05-2025lowest value
07-2025: < 0.1%● unchanged vs 06-2025lowest value
08-2025: < 0.1%● unchanged vs 07-2025lowest value
09-2025: < 0.1%● unchanged vs 08-2025lowest value
10-2025: < 0.1%● unchanged vs 09-2025lowest value
11-2025: < 0.1%● unchanged vs 10-2025lowest value
12-2025: < 0.1%● unchanged vs 11-2025lowest value
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026highest value
05-2026: < 0.1%● unchanged vs 04-2026highest value
06-2026: < 0.1%● unchanged vs 05-2026highest value
07-2026: < 0.1%● unchanged vs 06-2026highest value
08-2026: < 0.1%● unchanged vs 07-2026highest value
09-2026: < 0.1%● unchanged vs 08-2026highest value
10-2026: < 0.1%● unchanged vs 09-2026highest value
11-2026: < 0.1%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Loss of €4,005 (financial year 2025)
lowers risk
Sector: Education (NACE 85)
Liquidity: current ratio 3.66, cash €12,035
Size: total assets €38,753
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 85, micro). It does better than 70% of them on solvency, 68% on liquidity, 15% on profitability and 27% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 5,831 companies had the same profile as HEJMO has now. Each dot stands for 15 companies, two years later.
84.5%
were still trading
13.4%
stopped another way
1.7%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of HEJMO itself is lower: < 0.1% within 12 months. It rests on far more data about HEJMO than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 5,831 companies, not a prediction for HEJMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.66 (3.04 in 2024), above the usual 1.5. Short-term debt is 27.2% and cash 31.1% of total assets. 31.2% of the assets are financed with debt and provisions.
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Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-03-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 days early
2024
41 days early
2023
50 days early
2022
44 days early
2021
33 days early
2020
95 days early
2019
44 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 49 days before the deadline. In the sector (NACE 85), the median for financial year 2024 was 16 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 20 March (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end09-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0478570581
Legal-form change
“Webdesign: Het ontwerpen, creëren, en optimaliseren van websites, inclusief UI/UX design, responsief design…” (deed in Dutch) · General meeting of 22-02-2024 · Gazette deed
Registered office moved from Heusden-Zolder to Genk
New registered office: Sint-Martinusplein 11/37, 3600 Genk · Previous registered office: M. Scheperslaan 85, 3550 Heusden-Zolder · Resignation: Penasse Dirk (director) · General meeting of 01-12-2020 · Gazette deed
First establishment
Sint-Martinusplein 11, Genk
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| HEJMO Genk | €38,753 | €490 | 68.8% | - |
| C.C.I. Molenbeek-Saint-Jean | €25,427 | -€1,974 | -153.7% | - |
| RIJSCHOOL SDL Maasmechelen | €28,141 | -€8,945 | 59.8% | - |
| Thijs Allround Service Genk | €19,232 | -€23,643 | -122.9% | - |
| SAFE DRIVING Bruges | €19,530 | €2,010 | 80.4% | - |
| DOOWIT Linkebeek | €12,247 | -€19,375 | -851.1% | - |
| UNI4 Tubize | €32,739 | €1,843 | 89.5% | - |
These companies have the same main activity as HEJMO: driving schools for cars and motorcycles (NACE 85531). They are comparable in size and age: total assets between €12,200 and €32,700, founded between 1989 and 2018.
Official details
Source: KBO- Status
- Active since 15-10-2002Normal situation
- Registered office
- 37 active companies are registered at this address1 started in the 12 months before. Source: KBO register, as of 9 November 2026.
- Activity
- Driving schools for cars and motorcyclesNACE 85531and 2 others
- Joint committee
- 227Audiovisual sector · annual accounts 30-09-2025
- Establishment unit
- 2.115.611.5703600 Genk, since 18-11-2002
- Financial year end
- 30 September
- Peppol
- Reachable since 07-11-2026
Annual accounts to 30-09-2025
- ≈ €1,800estimated
- €38,753▼ 16.8%
- Employeeson 30-09-2025
- 1
- Filing
- Filed on 26-03-2026, 35 days before the end of the filing period
Insights on HEJMO
HEJMO files the micro format. That format states no turnover. The gross margin rose from -€3,045 in 2007 to €490 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about HEJMO
- What is the company number of HEJMO?
- The company number of HEJMO is 0478.570.581. The VAT number is the same number with BE in front: BE 0478.570.581.
- Where is HEJMO based?
- The registered office is at Sint-Martinusplein 11, 3600 Genk.Company details
- What does HEJMO do?
- According to the KBO register, the main activity is driving schools for cars and motorcycles (NACE 85531).
- What is the legal form of HEJMO?
- HEJMO is a private limited company (BV).
- When was HEJMO founded?
- HEJMO was founded on 15-10-2002.
- Is HEJMO still active?
- Yes, HEJMO is an active enterprise in the KBO register.
- How many employees does HEJMO have?
- HEJMO had an average of 0.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does HEJMO fall under?
- In its 30-09-2025 annual accounts, HEJMO states joint committee 227 (Audiovisual sector).
- What is the turnover of HEJMO?
- The turnover in financial year 2025 is ≈ €1,800. This figure is estimated from the gross margin of €490 and 42 comparable companies (NACE 855). It probably lies between €1,200 and €3,700. It is a rough estimate. In financial year 2023 turnover was €54,925.
- Is HEJMO profitable?
- In financial year 2025, HEJMO made a loss of €4,005.
- Where can I find the annual accounts of HEJMO?
- HEJMO filed 23 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of HEJMO due?
- HEJMO must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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