HEMA CONCEPT
ActiveHEMA CONCEPT has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €728k and a net result of €3k. Equity is growing by ~23.8% per year across the filed fiscal years. Its solvency ranks better than 52% of 2924 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
64
/ 100
Healthy▲ +1 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability2▼-70
Solvency62▼-5
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity tight (current ratio 1.35 against 1.4 in 2023), and 65.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-10-2025, 88 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
88 d late
2023
58 d late
2022
122 d late
2021
92 d late
2020
121 d late
2019
139 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€728k▲ 0.4%
2023 · €725k
2018: €137k
2019: €254k
2020: €338k
2021: €477k
2022: €620k
2023: €725k
2018 → 2024
Total assets
€2.12M▲ 8.9%
2023 · €1.95M
2018: €637k
2019: €982k
2020: €1.26M
2021: €1.36M
2022: €1.66M
2023: €1.95M
2018 → 2024
Net result
€3k▼ 96.9%
2023 · €105k
2018: €23k
2019: €129k
2020: €84k
2021: €139k
2022: €142k
2023: €105k
2018 → 2024
Working capital
€400k▲ 3.2%
2023 · €387k
2018: €86k
2019: €-75k
2020: €-13k
2021: €99k
2022: €246k
2023: €387k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€338k-€477k▲ 41.1%€620k▲ 29.8%€725k▲ 16.9%€728k▲ 0.4%
Operating result€134k-€225k▲ 67.7%€240k▲ 6.5%€12k▼ 94.9%€61k▲ 398%
Net result€84k-€139k▲ 65.0%€142k▲ 2.4%€105k▼ 26.3%€3k▼ 96.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 398% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.12M
Fixed assets
€573k▼ 1.9%
Current assets
€1.55M▲ 13.5%
Equity and liabilities €2.12M
Equity
€728k▲ 0.4%
Debt
€1.40M▲ 13.9%
The debt ratio rises from 62.8% to 65.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€76k▲
2023 · €27k
Cash flow
€18k▼
2023 · €120k
Solvency
34.3%▼
2023 · 37.2%
Current ratio
1.35▼
2023 · 1.40
Quick ratio
0.94▼
2023 · 1.07
Debt / equity
1.92▲
2023 · 1.69
ROE
0.4%▼
2023 · 14.5%
ROA
0.2%▼
2023 · 5.4%
Interest coverage
1.98▲
2023 · 0.76
Debt
€1.40M▲
2023 · €1.23M
Debt ≤ 1 year
€1.15M▲
2023 · €979k
Debt > 1 year
€239k▼
2023 · €247k
Income taxes
€16k▼
2023 · €52k
Staff costs
€609k▼
2023 · €884k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.95M€2.12M▲
Fixed assets21/28€584k€573k▼
Intangible fixed assets21€18k€18k=
Tangible fixed assets22/27€46k€35k▼
Plant, machinery and equipment23€15k€11k▼
Furniture and vehicles24€5k€4k▼
Other tangible fixed assets26€26k€19k▼
Financial fixed assets28€520k€520k=
Current assets29/58€1.37M€1.55M▲
Stocks and contracts in progress3€314k€464k▲
Stocks30/36€297k€443k▲
Contracts in progress37€17k€22k▲
Amounts receivable within one year40/41€929k€1.04M▲
Trade receivables40€862k€870k▲
Other amounts receivable41€66k€174k▲
Cash at bank and in hand54/58€121k€43k▼
Deferred charges and accrued income490/1€3k€0▼
Equity and liabilities
Total equity and liabilities10/49€1.95M€2.12M▲
Equity10/15€725k€728k▲
Contributions10/11€19k€19k=
Reserves13€705k€710k▲
Non-distributable reserves130/1€538k€538k=
Reserves not available under the articles1311€538k€538k=
Distributable reserves133€168k€172k▲
Profit (loss) carried forward14€973€0▼
Amounts payable17/49€1.23M€1.40M▲
Amounts payable after more than one year17€247k€239k▼
Financial debts170/4€247k€239k▼
Amounts payable within one year42/48€979k€1.15M▲
Current portion of amounts payable after more than one year42€41k€24k▼
Financial debts43€197k€328k▲
Credit institutions430/8€197k€328k▲
Trade debts44€509k€419k▼
Suppliers440/4€509k€419k▼
Advances received on contracts in progress46€1k€0▼
Taxes, remuneration and social security45€60k€41k▼
Taxes450/3€43k€9k▼
Remuneration and social security454/9€18k€32k▲
Other amounts payable47/48€172k€341k▲
Accrued charges and deferred income492/3-€6k
Income statement
Code20232024
Non-recurring operating income76A€0€500▲
Remuneration, social security and pensions62€884k€609k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼
Other operating charges640/8€4k€7k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€915k€692k▼
Operating profit (loss)9901€12k€61k▲
Financial income75/76B€181k€236▼
Recurring financial income75€181k€236▼
Financial charges65/66B€36k€42k▲
Recurring financial charges65€36k€38k▲
Non-recurring financial charges66B-€4k
Profit (loss) for the period before taxes9903€157k€19k▼
Income taxes67/77€52k€16k▼
Profit (loss) for the period9904€105k€3k▼
Profit (loss) for the period to be appropriated9905€105k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€106k€4k▼
Profit (loss) brought forward from the previous period14P€922€973▲
Transfer to equity691/2€105k€4k▼
To other reserves6921€105k€4k▼
Social balance
Average headcount (FTE)908719.210.1▼
The notes to these accounts (21 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 88 days late
2024
31-12
Financial
Weakest financial yearnet €3k ▼96.9%
Net result drops to €3k, the lowest in the series.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 58 days late
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 122 days late
2022
31-12
Financial
Highest result since 2018net €142k ▲2.4%
Operating result €240k, net result €142k, both a record.
31-12
Financial
Equity above €500kEq €620k ▲29.8%
5 profitable years in a row build equity to €620k.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 92 days late
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 121 days late
2020
17-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 139 days late
2019
31-12
Financial
Equity above €200kEq €254k ▲85.2%
2 profitable years in a row build equity to €254k.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
28-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Antwerpen · 1 establishment unit since 2009
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.
Mechelsesteenweg 12018 AntwerpenGround area
222 m²
Building footprint
221 m²
Volume, LiDAR
4,338 m³
Parcel 11810K2743/00Y002, Flanders · tallest building 23.5 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
HEMA CONCEPT
since 20092.179.392.931
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K2743/00Y002 | Flanders | 222 m² | 1 · 221 m² | 23.5 m · 7 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.
Similar companies · same sector, comparable size
Absolut Plus
BE 0607.948.884
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DENYS
BE 0428.717.333
Ledegem · Eq €729k
BOUWONDERNEMING BECK
BE 0887.193.672
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MARC VERSIECK
BE 0473.341.786
Maldegem · Eq €730k
Of 29,535 companies in sector 41001 we hold annual accounts for 15,872. 7,662 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-03-2009
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
41003General construction of other non-residential buildings
43990Other specialised construction activities
43995Specialised construction activities
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.