HEMDA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €133k and a net result of €-187. Equity is growing by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 44% of 8018 sector peers (fiscal year 2025). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
45 d early
2023
30 d early
2022
42 d early
2021
40 d early
2020
51 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€133k▼ 0.1%
2024 · €134k
2018: €82k
2019: €99k
2020: €116k
2021: €113k
2022: €123k
2023: €130k
2024: €134k
2018 → 2025
Net result
€-187
2024 · €4k
2018: €-185k
2019: €16k
2020: €17k
2021: €-3k
2022: €10k
2023: €7k
2024: €4k
2018 → 2025
Total assets
€303k▲ 93.4%
2024 · €156k
2018: €301k
2019: €268k
2020: €247k
2021: €202k
2022: €183k
2023: €165k
2024: €156k
2018 → 2025
Solvency
44.1%▼ 41.3pp
2024 · 85.4%
2018: 27.4%
2019: 36.9%
2020: 47.1%
2021: 56.0%
2022: 67.3%
2023: 78.8%
2024: 85.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€113k-€123k▲ 8.7%€130k▲ 5.7%€134k▲ 2.8%€133k▼ 0.1%
Operating result€2k-€11k▲ 478%€8k▼ 23.7%€7k▼ 12.6%€3k▼ 63.4%
Net result€-3k-€10k€7k▼ 28.8%€4k▼ 48.4%€-187
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 63% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €303k
Fixed assets
€89k▲ 436%
Current assets
€214k▲ 52.8%
Equity and liabilities €303k
Equity
€133k▼ 0.1%
Debt
€169k▲ 639%
The debt ratio rises from 14.6% to 55.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
44.1%▼
2024 · 85.4%
ROE
-0.1%▼
2024 · 2.7%
ROA
-0.1%▼
2024 · 2.3%
Debt
€169k▲
2024 · €23k
Debt ≤ 1 year
€110k▲
2024 · €23k
Debt > 1 year
€60k
Income taxes
€456▼
2024 · €3k
Staff costs
€50
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€156k€303k▲
Fixed assets21/28€17k€89k▲
Tangible fixed assets22/27€17k€89k▲
Plant, machinery and equipment23€8k€7k▼
Furniture and vehicles24€8k€81k▲
Other tangible fixed assets26€1k€965▼
Financial fixed assets28€0€0=
Current assets29/58€140k€214k▲
Amounts receivable within one year40/41€132k€154k▲
Trade receivables40€14k€106k▲
Other amounts receivable41€117k€48k▼
Current investments50/53€1k€1k=
Cash at bank and in hand54/58€7k€59k▲
Equity and liabilities
Total equity and liabilities10/49€156k€303k▲
Equity10/15€134k€133k▼
Contributions10/11€12k€12k=
Reserves13€121k€121k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€210€210=
Distributable reserves133€119k€119k=
Profit (loss) carried forward14-€-187
Amounts payable17/49€23k€169k▲
Amounts payable after more than one year17-€60k
Financial debts170/4-€60k
Amounts payable within one year42/48€23k€110k▲
Current portion of amounts payable after more than one year42-€10k
Trade debts44€16k€99k▲
Suppliers440/4€16k€99k▲
Taxes, remuneration and social security45€7k€1k▼
Taxes450/3€7k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€50
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€9k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€13k€14k▲
Operating profit (loss)9901€7k€3k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€822€2k▲
Recurring financial charges65€822€2k▲
Profit (loss) for the period before taxes9903€6k€269▼
Income taxes67/77€3k€456▼
Profit (loss) for the period9904€4k€-187▼
Profit (loss) for the period to be appropriated9905€4k€-187▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€-187▼
Transfer to equity691/2€4k-
To other reserves6921€4k-
The notes to these accounts (6 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €17k ▲6.2%
Net result €17k, the highest in the series.
31-12
Financial
Equity above €100kEq €116k ▲17.7%
2 profitable years in a row build equity to €116k.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Antwerpen · 1 establishment unit since 2002
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.
Van Havreplein 16/12100 AntwerpenGround area
187 m²
Building footprint
187 m²
Volume, LiDAR
1,651 m³
Parcel 11346B0983/00B023, Flanders · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Van Havreplein 16/1, 2100 Antwerpen
since 20022.096.264.921
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11346B0983/00B023 | Flanders | 187 m² | 1 · 187 m² | 10.1 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.
Similar companies · same sector, comparable size
Krisver Management
BE 0746.755.785
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JELAMCO
BE 0797.000.005
Lichtervelde · Eq €133k
KUNI
BE 0730.913.806
Antwerpen · Eq €133k
BOIS D'ELLE
BE 0749.774.663
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SV-HOLD
BE 0720.875.888
Wervik · Eq €133k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,002 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-05-2002
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
46190Agents in non-specialised wholesale trade
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
74142
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.