Result
€122,065 ▲ 188%
The result rose in 2025 from €42,446 to €122,065.
HEPICUR
Lifetime
2 annual accounts with figures on one time axispeak €167,801 (2025)
€167,801▲ 211%
peak €122,065 (2025)
€122,065▲ 188%
peak €167,011 (2025)
€167,011▲ 272%
€78,700▲ 193%
Board1 name since 2024
1 directorHERMESSE Pierre Louis Joseph Albert
Documentsfilings and deeds
24-09-202655 days late
2025micro format
Gross margin from €53,985 to €167,801Result from €42,446 to €122,065Equity from €44,946 to €167,011Debts from €26,839 to €78,700Investments €3,156Cash from €27,307 to €202,497
Key points
from the 2025 annual accountsInvestments
€3,156 5.2 × depreciation
Green is investment, beige is depreciation.
Position in the sector
€122,065
Higher net result than 95% of companies in construction of buildings. Sector median €8,556 · 9,461 companies.
2025 accounts filed 55 days after the deadline
Checked score
72
Healthy
Financially stronger than 88% of micro companies in construction of buildings (NACE 41)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,460 companies (NACE 41, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2025: 1.1%
12-2025: 1.1%● unchanged vs 11-2025
01-2026: 1.0%▼ -0.1 percentage points vs 12-2025
02-2026: 1.1%▲ +0.1 percentage points vs 01-2026
03-2026: 1.1%● unchanged vs 02-2026
04-2026: 1.2%▲ +0.1 percentage points vs 03-2026
05-2026: 1.4%▲ +0.2 percentage points vs 04-2026
06-2026: 1.3%▼ -0.1 percentage points vs 05-2026
07-2026: 1.5%▲ +0.2 percentage points vs 06-2026
08-2026: 2.1%▲ +0.6 percentage points vs 07-2026
09-2026: 2.4%▲ +0.3 percentage points vs 08-2026highest value
10-2026: 0.7%▼ -1.7 percentage points vs 09-2026lowest value
11-2026: 0.7%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Sector: Construction of residential and non-residential buildings (NACE 41)
Last filed accounts filed 55 days late; 1 of the last 3 accounts late
lowers risk
Liquidity: current ratio 3.16, cash €202,497
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 41, micro). It does better than 77% of them on solvency, 88% on liquidity, 91% on profitability and 96% on growth.
The bankruptcy probability was computed on 10-11-2026 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 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% 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, 39,278 companies had the same profile as HEPICUR has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of HEPICUR itself: 0.7% within 12 months.
Test of the method
The method was tested on the 497,448 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 39,278 companies, not a prediction for HEPICUR. 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 €12,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 3.16 (2.74 in 2024), above the usual 1.5. Short-term debt is 31.2% and cash 82.4% of total assets. 32% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 55 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-09-2026, 55 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
55 days late
2024
14 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 21 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- HERMESSE Pierre Louis Joseph Albert 2,500 sharesdeed of 16-10-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1015053728
Incorporation
Founding capital of €2,500, 2,500 shares · Founder: HERMESSE Pierre Louis Joseph Albert · Appointment: HERMESSE Pierre Louis Joseph Albert (director) · published on 16-10-2024 · Gazette deed
First establishment
G.J. Martinstraat 43, Woluwe-Saint-Lambert
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| HEPICUR Woluwe-Saint-Lambert | €245,711 | €167,801 | 68.0% | - |
| Deceuninck bouw- en grondwerken Roeselare | €239,064 | €171,071 | 71.8% | - |
| JULIEN LANDENNE Vaux-sur-Sûre | €240,390 | €158,840 | 19.3% | - |
| BOUWWERKEN DECEUNINCK PHILIPPE Roeselare | €245,341 | €155,490 | 71.7% | - |
| RoelVC Kortrijk | €232,909 | €158,418 | 47.4% | - |
| ABK Construction Roeselare | €239,789 | €187,349 | 13.5% | - |
| Herz Management Sint-Katelijne-Waver | €262,523 | €151,196 | 46.2% | 0 |
These companies have the same main activity as HEPICUR: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €233,000 and €263,000, founded in 2024.
Official details
Source: KBO- Status
- Active since 14-10-2024Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 4 others
- Establishment unit
- 2.365.304.3191200 Woluwe-Saint-Lambert, since 14-10-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 10-04-2025
Insights on HEPICUR
HEPICUR has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €167,011 and a net result of €122,065.
Its solvency ranks better than 77% of 9,471 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
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 HEPICUR
- What is the company number of HEPICUR?
- The company number of HEPICUR is 1015.053.728. The VAT number is the same number with BE in front: BE 1015.053.728.
- Where is HEPICUR based?
- The registered office is at G.J. Martinstraat 43, 1200 Woluwe-Saint-Lambert.Company details
- What does HEPICUR do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of HEPICUR?
- HEPICUR is a private limited company (BV).
- When was HEPICUR founded?
- HEPICUR was founded on 14-10-2024.
- Is HEPICUR still active?
- Yes, HEPICUR is an active enterprise in the KBO register.
- What is the turnover of HEPICUR?
- The turnover in financial year 2025 is ≈ €550,000. This figure is estimated from the gross margin of €167,801 and 97 comparable companies (NACE 41001). It probably lies between €390,000 and €850,000.Financials
- Is HEPICUR profitable?
- In financial year 2025, HEPICUR made a profit of €122,065.
- Where can I find the annual accounts of HEPICUR?
- HEPICUR filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of HEPICUR due?
- HEPICUR must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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