Hermana
ActiveSummary
The computed 12-month bankruptcy probability of Hermana is 1.6% (moderate). The 2025 annual accounts show equity of €24,751 and a net result of €10,637. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 78% of 13604 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+15
Solvency88▲+20
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 2.67 against 1.73 in 2024; short-term debt: 37.1% and cash: 83% of total assets), and 37.1% of the assets are financed with debt.
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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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
62.9%
Return on assets
27%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €24,751
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 24-07-2026, 7 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
7 d early
2024
25 d late
2023
7 d early
2022
39 d early
2021
67 d early
2020
73 d early
2019
29 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 28 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 24 July (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€24,751▲ 75.4%
2024 · €14,114
Total assets
€39,367▲ 21.3%
2024 · €32,466
Net result
€10,637▲ 127%
2024 · €4,680
Working capital
€24,400▲ 81.6%
2024 · €13,436
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€2,173▲ 49.4%€17,712-€2,106€6,441€14,771▲ 129%
Net result-€2,249within the sector's middle half▲ 48.3%€16,949within the sector's middle half-€2,414within the sector's middle half€4,680within the sector's middle half€10,637within the sector's middle half▲ 127%
Equity-€5,102below the sector's middle half▼ 78.8%€11,847within the sector's middle half€9,434within the sector's middle half▼ 20.4%€14,114within the sector's middle half▲ 49.6%€24,751within the sector's middle half▲ 75.4%
Total assets€8,402below the sector's middle half▼ 19.3%€31,287below the sector's middle half▲ 272%€29,244below the sector's middle half▼ 6.5%€32,466below the sector's middle half▲ 11.0%€39,367below the sector's middle half▲ 21.3%
Debt€13,504▲ 1.8%€19,440▲ 44.0%€19,811▲ 1.9%€18,352▼ 7.4%€14,615▼ 20.4%
Working capital-€5,102within the sector's middle half▼ 78.8%€10,517within the sector's middle half€8,429within the sector's middle half▼ 19.8%€13,436within the sector's middle half▲ 59.4%€24,400within the sector's middle half▲ 81.6%
Solvency-60.7%below the sector's middle half▼ 33.3pp37.9%within the sector's middle half▲ 98.6pp32.3%within the sector's middle half▼ 5.6pp43.5%within the sector's middle half▲ 11.2pp62.9%above the sector's middle half▲ 19.4pp
Current ratio0.62within the sector's middle half▼ 0.161.54within the sector's middle half▲ 0.921.43within the sector's middle half▼ 0.121.73within the sector's middle half▲ 0.312.67above the sector's middle half▲ 0.94
Return on assets (ROA)-26.8%below the sector's middle half▲ 15.0pp54.2%above the sector's middle half▲ 80.9pp-8.3%within the sector's middle half▼ 62.4pp14.4%within the sector's middle half▲ 22.7pp27.0%above the sector's middle half▲ 12.6pp
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 129% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €39,367
Fixed assets
€352 ▼ 48.1%
Current assets
€39,015 ▲ 22.7%
Equity and liabilities €39,367
Equity
€24,751 ▲ 75.4%
Debt
€14,615 ▼ 20.4%
Debt's share of the balance-sheet total falls from 56.5% to 37.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€15,097▲
2024 · €6,767
Cash flow
€10,964▲
2024 · €5,007
Quick ratio
2.56▲
2024 · 1.60
Debt to equity
0.59▼
2024 · 1.30
ROE
43.0%▲
2024 · 33.2%
Interest coverage
12.41▲
2024 · 5.73
Debt ≤ 1 year
€14,615▼
2024 · €18,352
Income taxes
€2,918▲
2024 · €580
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.6% over twelve months; the group does not contradict it.
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%.
| 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 26,970 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €301 | €326 | €326 | €326 | = |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €331 | - |
| Other operating charges640/8 | €695 | €1,482 | €1,684 | €1,607 | €1,776 | ▲ 10.5% |
| Gross operating margin9900 | -€1,478 | €19,496 | -€95 | €8,374 | €17,204 | ▲ 105% |
| Operating profit (loss)9901 | -€2,173 | €17,712 | -€2,106 | €6,441 | €14,771 | ▲ 129% |
| Financial income75/76B | - | €18 | €9 | €1 | €1 | ▼ 42.5% |
| Recurring financial income75 | - | €18 | €9 | €1 | €1 | ▼ 42.5% |
| Financial charges65/66B | €76 | €59 | €317 | €1,181 | €1,216 | ▲ 2.9% |
| Recurring financial charges65 | €76 | €59 | €317 | €1,181 | €1,216 | ▲ 2.9% |
| Profit (loss) for the period before taxes9903 | -€2,249 | €17,672 | -€2,414 | €5,261 | €13,555 | ▲ 158% |
| Income taxes67/77 | - | €723 | - | €580 | €2,918 | ▲ 403% |
| Profit (loss) for the period9904 | -€2,249 | €16,949 | -€2,414 | €4,680 | €10,637 | ▲ 127% |
| Profit (loss) for the period to be appropriated9905 | -€2,249 | €16,949 | -€2,414 | €4,680 | €10,637 | ▲ 127% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €8,402 | €31,287 | €29,244 | €32,466 | €39,367 | ▲ 21.3% |
| Fixed assets21/28 | - | €1,331 | €1,004 | €678 | €352 | ▼ 48.1% |
| Tangible fixed assets22/27 | - | €1,331 | €1,004 | €678 | €352 | ▼ 48.1% |
| Plant, machinery and equipment23 | - | €1,331 | €1,004 | €678 | €352 | ▼ 48.1% |
| Current assets29/58 | €8,402 | €29,957 | €28,240 | €31,788 | €39,015 | ▲ 22.7% |
| Stocks and contracts in progress3 | - | €2,386 | €2,473 | €2,364 | €1,613 | ▼ 31.8% |
| Stocks30/36 | - | €2,386 | €2,473 | €2,364 | €1,613 | ▼ 31.8% |
| Amounts receivable within one year40/41 | €2,759 | €4,195 | €4,328 | €4,146 | €4,628 | ▲ 11.6% |
| Trade receivables40 | - | €826 | €381 | €307 | €672 | ▲ 119% |
| Other amounts receivable41 | €2,759 | €3,370 | €3,946 | €3,839 | €3,955 | ▲ 3.0% |
| Cash at bank and in hand54/58 | €5,644 | €23,375 | €21,440 | €25,195 | €32,688 | ▲ 29.7% |
| Deferred charges and accrued income490/1 | - | - | - | €83 | €86 | ▲ 3.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €8,402 | €31,287 | €29,244 | €32,466 | €39,367 | ▲ 21.3% |
| Equity10/15 | -€5,102 | €11,847 | €9,434 | €14,114 | €24,751 | ▲ 75.4% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €2,595 | €5,647 | €3,234 | €7,914 | €18,551 | ▲ 134% |
| Non-distributable reserves130/1 | €130 | €130 | €130 | €130 | €130 | = |
| Reserves not available under the articles1311 | €130 | €130 | €130 | €130 | €130 | = |
| Distributable reserves133 | €2,465 | €5,518 | €3,104 | €7,784 | €18,422 | ▲ 137% |
| Profit (loss) carried forward14 | -€13,897 | - | - | - | - | - |
| Amounts payable17/49 | €13,504 | €19,440 | €19,811 | €18,352 | €14,615 | ▼ 20.4% |
| Amounts payable within one year42/48 | €13,504 | €19,440 | €19,811 | €18,352 | €14,615 | ▼ 20.4% |
| Trade debts44 | €237 | €2,512 | €3,587 | €1,549 | €698 | ▼ 54.9% |
| Suppliers440/4 | €237 | €2,512 | €3,587 | €1,549 | €698 | ▼ 54.9% |
| Taxes, remuneration and social security45 | - | €2,607 | €2,099 | €2,673 | €6,890 | ▲ 158% |
| Taxes450/3 | - | €2,607 | €2,099 | €2,673 | €6,890 | ▲ 158% |
| Other amounts payable47/48 | €13,267 | €14,321 | €14,125 | €14,129 | €7,027 | ▼ 50.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,249 | €16,949 | -€2,414 | €4,680 | €10,637 | ▲ 127% |
| + Depreciation and write-downs630 | - | €301 | €326 | €326 | €326 | = |
| Operating cash flow (approximation) | -€2,249 | €17,250 | -€2,087 | €5,007 | €10,964 | ▲ 119% |
| Investment in fixed assets (approximation) | - | - | €0 | €0 | €0 | - |
| Change in cash | - | €17,731 | -€1,935 | €3,755 | €7,493 | ▲ 99.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Back to profitnet €4,680
Net result €4,680 after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €16,949
Net result €16,949 after 3 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.54
Current ratio from 0.62 to 1.54.
25-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet -€7,299
Net result drops to -€7,299, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Zwevegem · 1 establishment unit since 2017
Ground area
252 m²
Building footprint
199 m²
Volume, LiDAR
1,171 m³
2 parcels, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HERMANA
since 20172.269.121.790
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34042D0324/00E000 | Flanders | 153 m² | 1 · 96 m² | 11.0 m · 2 fl. |
| 34353H1541/00B000 | Flanders | 99 m² | 1 · 102 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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 siteKortrijk2.269.121.790
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Of 14,002 companies in sector 56301 we hold annual accounts for 4,896. 4,058 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded03-10-2017
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
E-invoicing
Reachable via Peppol
Peppol ID
0208:0682446864
Also
9925:BE0682446864
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.