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HERMADIS

Active
Public limited companyfounded 20233 yrs activeRue d'Argenteau 13, 4681 Oupeye, BelgiumKBO/BCE: BE 0803.239.479
Summary

The computed 12-month bankruptcy probability of HERMADIS is 2.3% (moderate). The 2024 annual accounts show equity of €309,505 and a net result of -€40,495. Its solvency ranks better than 20% of 6550 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
Axes
Profitability25
Solvency34
Growth-
Track record79
Bankruptcy probability, 12 months
2.3% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14,000 at 30 days acceptable
Liquidity tight (current ratio 1.45; short-term debt: 26.5% and cash: 21.6% of total assets), and 91.3% of the assets are financed with debt.
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Signals

Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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 date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies more bankruptcies →
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024
Solvency, return and age of the figures
Solvency
8.7%
Return on assets
-1.1%
Age of the figures
21 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 6550 sector peers (2024).
NBB · sector comparison
Position among 6550 sector peers
Solvency
better than 20%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-07-2025, 28 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2024
28 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its 2024 accounts 28 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

HERMADIS was incorporated on 27 June 2023 as a Public limited company.1 The company has filed annual accounts once, for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, full schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€40,495
Working capital
€421,649
Balance-sheet composition
Assets €3.5m
Fixed assets €2.2m
Current assets €1.4m
Equity and liabilities €3.5m
Equity €309,505
Debt €3.2m
Debt finances 91.3% of the balance-sheet total.
Key figures and ratios
2024 value
EBITDA
€20,775
Cash flow
€4,821
Current ratio
1.45
Quick ratio
1.05
Debt to equity
10.46
ROE
-13.1%
ROA
-1.1%
Interest coverage
0.92
Debt ≤ 1 year
€940,410
Debt > 1 year
€2.1m
Income taxes
€27
Staff costs
€103,515

Peer companies

Historical observation

Of the 865 companies that looked in July 2024 the way this one looks now, 1.3% went bankrupt within 24 months and 97% are still going.

  • Small
  • 2 to 5 years old
  • solvency under 10%
  • a small loss
1.3% went bankrupt
1.6% stopped otherwise
97% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 2.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 865 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 · 49 lines
Balance sheet Code2024
Assets
Total assets20/58€3.5m
Formation expenses20€4,691
Fixed assets21/28€2.2m
Tangible fixed assets22/27€2.2m
Land and buildings22€602,541
Plant, machinery and equipment23€1.6m
Furniture and vehicles24€23,498
Current assets29/58€1.4m
Stocks and contracts in progress3€376,263
Stocks30/36€376,263
Amounts receivable within one year40/41€174,648
Trade receivables40€10,897
Other amounts receivable41€163,750
Cash at bank and in hand54/58€765,271
Deferred charges and accrued income490/1€45,877
Equity and liabilities
Total equity and liabilities10/49€3.5m
Equity10/15€309,505
Contributions10/11€350,000
Capital10€350,000
Issued capital100€350,000
Profit (loss) carried forward14-€40,495
Amounts payable17/49€3.2m
Amounts payable after more than one year17€2.1m
Financial debts170/4€2.1m
Amounts payable within one year42/48€940,410
Current portion of amounts payable after more than one year42€6,174
Trade debts44€878,808
Suppliers440/4€878,808
Taxes, remuneration and social security45€41,431
Taxes450/3€27
Remuneration and social security454/9€41,404
Other amounts payable47/48€13,997
Accrued charges and deferred income492/3€176,625
Income statement Code2024
Remuneration, social security and pensions62€103,515
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45,315
Other operating charges640/8€1,135
Non-recurring operating charges66A€63
Gross operating margin9900€125,489
Operating profit (loss)9901-€24,540
Financial income75/76B€6,668
Recurring financial income75€6,668
Financial charges65/66B€22,595
Recurring financial charges65€22,595
Profit (loss) for the period before taxes9903-€40,468
Income taxes67/77€27
Profit (loss) for the period9904-€40,495
Profit (loss) for the period to be appropriated9905-€40,495
Appropriation of the result
Profit (loss) to be appropriated9906-€40,495
Social balance
Average headcount (FTE)908710.7

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2024
Remuneration, social security and pensions62€103,515
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45,315
Other operating charges640/8€1,135
Non-recurring operating charges66A€63
Gross operating margin9900€125,489
Operating profit (loss)9901-€24,540
Financial income75/76B€6,668
Recurring financial income75€6,668
Financial charges65/66B€22,595
Recurring financial charges65€22,595
Profit (loss) for the period before taxes9903-€40,468
Income taxes67/77€27
Profit (loss) for the period9904-€40,495
Profit (loss) for the period to be appropriated9905-€40,495
Line2024
Assets
Total assets20/58€3.5m
Formation expenses20€4,691
Fixed assets21/28€2.2m
Tangible fixed assets22/27€2.2m
Land and buildings22€602,541
Plant, machinery and equipment23€1.6m
Furniture and vehicles24€23,498
Current assets29/58€1.4m
Stocks and contracts in progress3€376,263
Stocks30/36€376,263
Amounts receivable within one year40/41€174,648
Trade receivables40€10,897
Other amounts receivable41€163,750
Cash at bank and in hand54/58€765,271
Deferred charges and accrued income490/1€45,877
Equity and liabilities
Total equity and liabilities10/49€3.5m
Equity10/15€309,505
Contributions10/11€350,000
Capital10€350,000
Issued capital100€350,000
Profit (loss) carried forward14-€40,495
Amounts payable17/49€3.2m
Amounts payable after more than one year17€2.1m
Financial debts170/4€2.1m
Amounts payable within one year42/48€940,410
Current portion of amounts payable after more than one year42€6,174
Trade debts44€878,808
Suppliers440/4€878,808
Taxes, remuneration and social security45€41,431
Taxes450/3€27
Remuneration and social security454/9€41,404
Other amounts payable47/48€13,997
Accrued charges and deferred income492/3€176,625
Line2024
Profit (loss) for the period9904-€40,495
+ Depreciation and write-downs630€45,315
Operating cash flow (approximation)€4,821

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
03-07
NBB filing Annual accounts filed
fiscal year 2024 · full schema
NBB filing

Directors · office · real estate

Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Oupeye · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
5,278 m²
Building footprint
1,591 m²
Volume, LiDAR
11,928 m³
Parcel 62049A1205/00L000, Wallonia · tallest building 8.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SA HERMADIS
Rue d'Argenteau 13, 4681 OupeyeSupermarkets
since 20242.364.272.456
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62049A1205/00L000 Wallonia 5,278 m² 1 · 1,591 m² 8.7 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Food safety, FASFC

1 site
Oupeye2.364.272.456
4 permissions
Toelating · Bakkerij · since 20-11-2024
Toelating · Detailhandel met verwerking · since 20-11-2024
Toelating · Viswinkel · since 20-11-2024
and 1 more

Similar companies · same sector, comparable size

Of 10,510 companies in sector 47110 we hold annual accounts for 5,853. 3,741 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPublic limited company
Founded27-06-2023
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
E-invoicing
Reachable via Peppol
Peppol ID 0208:0803239479
Registered 10-12-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.