HERMANN
ActiveSummary
HERMANN has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20,181 and a net result of €3,038. Equity is shrinking by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 57% of 18716 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability77▲+3
Solvency68▲+1
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 1.74 against 1.71 in 2024; short-term debt: 57.2% and cash: 18.4% of total assets), but 57.3% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 · 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
42.7%
Return on assets
6.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
21 d late
2023
20 d early
2022
34 d early
2021
36 d late
2020
61 d late
2019
91 d late
← 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 27 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 21 August (4 of the last 5 filed years within 40 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#9 oldest company in Arlon, Wholesale and retail trade sector
Equity
€20,181▲ 7.0%
2024 · €18,861
Total assets
€47,283▲ 5.4%
2024 · €44,861
Net result
€3,038▲ 64.9%
2024 · €1,842
Working capital
€19,894▲ 8.7%
2024 · €18,303
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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€3,025▼ 78.8%-€5,439-€9,001▼ 65.5%€869€1,836▲ 111%
Net result€3,594within the sector's middle half▼ 75.2%-€4,567below the sector's middle half-€8,021below the sector's middle half▼ 75.6%€1,842within the sector's middle half€3,038within the sector's middle half▲ 64.9%
Equity€34,591within the sector's middle half▼ 8.0%€28,424within the sector's middle half▼ 17.8%€18,737within the sector's middle half▼ 34.1%€18,861within the sector's middle half▲ 0.7%€20,181within the sector's middle half▲ 7.0%
Total assets€54,316below the sector's middle half▲ 7.4%€49,320below the sector's middle half▼ 9.2%€46,314below the sector's middle half▼ 6.1%€44,861below the sector's middle half▼ 3.1%€47,283below the sector's middle half▲ 5.4%
Debt€19,724▲ 52.1%€20,896▲ 5.9%€27,578▲ 32.0%€26,000▼ 5.7%€27,102▲ 4.2%
Working capital€34,666within the sector's middle half▼ 4.1%€27,926within the sector's middle half▼ 19.4%€18,326within the sector's middle half▼ 34.4%€18,303within the sector's middle half▼ 0.1%€19,894within the sector's middle half▲ 8.7%
Solvency63.7%above the sector's middle half▼ 10.7pp57.6%within the sector's middle half▼ 6.1pp40.5%within the sector's middle half▼ 17.2pp42.0%within the sector's middle half▲ 1.6pp42.7%within the sector's middle half▲ 0.6pp
Current ratio2.88above the sector's middle half▼ 0.932.34within the sector's middle half▼ 0.541.67within the sector's middle half▼ 0.681.71within the sector's middle half▲ 0.041.74within the sector's middle half▲ 0.03
Return on assets (ROA)6.6%within the sector's middle half▼ 22.0pp-9.3%below the sector's middle half▼ 15.9pp-17.3%below the sector's middle half▼ 8.1pp4.1%within the sector's middle half▲ 21.4pp6.4%within the sector's middle half▲ 2.3pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, 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 111% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €47,283
Fixed assets
€355 ▼ 47.2%
Current assets
€46,928 ▲ 6.2%
Equity and liabilities €47,283
Equity
€20,181 ▲ 7.0%
Debt
€27,102 ▲ 4.2%
Debt's share of the balance-sheet total falls from 58.0% to 57.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€2,153▲
2024 · €1,099
Cash flow
€3,355▲
2024 · €2,073
Quick ratio
0.34▼
2024 · 0.38
Debt to equity
1.34▼
2024 · 1.38
ROE
15.1%▲
2024 · 9.8%
Interest coverage
34.64▲
2024 · 18.19
Debt ≤ 1 year
€27,035▲
2024 · €25,887
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,371 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% 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 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 31,371 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 | €571 | €574 | €458 | €230 | €317 | ▲ 37.5% |
| Other operating charges640/8 | €755 | €553 | €315 | €315 | €315 | = |
| Gross operating margin9900 | €4,351 | -€4,312 | -€8,228 | €1,414 | €2,468 | ▲ 74.5% |
| Operating profit (loss)9901 | €3,025 | -€5,439 | -€9,001 | €869 | €1,836 | ▲ 111% |
| Financial income75/76B | €781 | €1,272 | €1,106 | €1,034 | €1,264 | ▲ 22.3% |
| Recurring financial income75 | €781 | €806 | €803 | €1,034 | €1,264 | ▲ 22.3% |
| Non-recurring financial income76B | - | €466 | €303 | - | - | - |
| Financial charges65/66B | €212 | €400 | €127 | €60 | €62 | ▲ 2.9% |
| Recurring financial charges65 | €212 | €400 | €127 | €60 | €62 | ▲ 2.9% |
| Profit (loss) for the period before taxes9903 | €3,594 | -€4,567 | -€8,021 | €1,842 | €3,038 | ▲ 64.9% |
| Profit (loss) for the period9904 | €3,594 | -€4,567 | -€8,021 | €1,842 | €3,038 | ▲ 64.9% |
| Profit (loss) for the period to be appropriated9905 | €3,594 | -€4,567 | -€8,021 | €1,842 | €3,038 | ▲ 64.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €54,316 | €49,320 | €46,314 | €44,861 | €47,283 | ▲ 5.4% |
| Formation expenses20 | - | €0 | - | - | - | - |
| Fixed assets21/28 | €1,230 | €608 | €520 | €672 | €355 | ▼ 47.2% |
| Intangible fixed assets21 | €0 | - | - | - | - | - |
| Tangible fixed assets22/27 | €1,132 | €558 | €520 | €672 | €355 | ▼ 47.2% |
| Plant, machinery and equipment23 | €0 | - | - | - | - | - |
| Furniture and vehicles24 | €1,014 | €558 | €520 | €672 | €355 | ▼ 47.2% |
| Other tangible fixed assets26 | €118 | €0 | €0 | - | - | - |
| Financial fixed assets28 | €98 | €50 | - | - | - | - |
| Current assets29/58 | €53,086 | €48,713 | €45,794 | €44,190 | €46,928 | ▲ 6.2% |
| Stocks and contracts in progress3 | €34,191 | €37,748 | €34,806 | €34,376 | €37,815 | ▲ 10.0% |
| Stocks30/36 | €34,191 | €37,748 | €34,806 | €34,376 | €37,815 | ▲ 10.0% |
| Amounts receivable within one year40/41 | €466 | €763 | €381 | €294 | €234 | ▼ 20.4% |
| Trade receivables40 | €466 | €709 | €381 | €294 | €234 | ▼ 20.4% |
| Other amounts receivable41 | - | €54 | - | - | - | - |
| Cash at bank and in hand54/58 | €17,498 | €9,265 | €9,659 | €8,566 | €8,722 | ▲ 1.8% |
| Deferred charges and accrued income490/1 | €931 | €937 | €949 | €955 | €158 | ▼ 83.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €54,316 | €49,320 | €46,314 | €44,861 | €47,283 | ▲ 5.4% |
| Equity10/15 | €34,591 | €28,424 | €18,737 | €18,861 | €20,181 | ▲ 7.0% |
| Contributions10/11 | €13,642 | €13,642 | €13,642 | €13,642 | €13,642 | = |
| Reserves13 | €1,859 | €1,859 | €0 | - | - | - |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €0 | - | - | - |
| Profit (loss) carried forward14 | €19,090 | €12,923 | €5,095 | €5,219 | €6,539 | ▲ 25.3% |
| Amounts payable17/49 | €19,724 | €20,896 | €27,578 | €26,000 | €27,102 | ▲ 4.2% |
| Amounts payable within one year42/48 | €18,419 | €20,787 | €27,469 | €25,887 | €27,035 | ▲ 4.4% |
| Trade debts44 | €903 | €616 | €1,108 | €527 | €888 | ▲ 68.6% |
| Suppliers440/4 | €903 | €616 | €1,108 | €527 | €888 | ▲ 68.6% |
| Taxes, remuneration and social security45 | €3,163 | €2,019 | €610 | €635 | €1,319 | ▲ 108% |
| Taxes450/3 | €2,463 | €1,469 | €162 | €635 | €1,150 | ▲ 81.1% |
| Remuneration and social security454/9 | €700 | €550 | €449 | - | €169 | - |
| Other amounts payable47/48 | €14,353 | €18,152 | €25,750 | €24,725 | €24,827 | ▲ 0.4% |
| Accrued charges and deferred income492/3 | €1,305 | €109 | €109 | €114 | €67 | ▼ 41.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,594 | -€4,567 | -€8,021 | €1,842 | €3,038 | ▲ 64.9% |
| + Depreciation and write-downs630 | €571 | €574 | €458 | €230 | €317 | ▲ 37.5% |
| Operating cash flow (approximation) | €4,165 | -€3,994 | -€7,563 | €2,073 | €3,355 | ▲ 61.9% |
| Investment in fixed assets (approximation) | - | €48 | -€371 | -€382 | €0 | ▲ 100% |
| Change in cash | - | -€8,234 | €394 | -€1,093 | €156 | ▲ 114% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Back to profitnet €1,842
Net result €1,842 after 2 loss-making years.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€8,021
Net result drops to -€8,021, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 36 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Highest result since 2018net €14,464 ▲248%
Operating result €14,284, net result €14,464, both a record.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
20-06
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.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Arlon · 2 establishment units since 1984
Ground area
465 m²
Building footprint
151 m²
Volume, LiDAR
1,374 m³
2 parcels, Wallonia · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
Rue des Remparts 30, 6700 Arlon
since 19842.026.201.722
BRIN DE SOI
since 20012.026.201.920
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 81001A0717/02H000 | Wallonia | 354 m² | 1 · 107 m² | 13.5 m · 3 fl. |
| 81001A0102/00B000 | Wallonia | 111 m² | 1 · 44 m² | 12.4 m · 3 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.
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Of 1,271 companies in sector 47512 we hold annual accounts for 581. 364 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
Founded16-12-1983
Fiscal year end31-12
Activities, NACEBEL 2025
47512Retail sale of household textiles and bedding
E-invoicing
Reachable via Peppol
Peppol ID
0208:0425191184
Registered
16-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.