Investments
€63,465 6.4 × depreciation
Green is investment, beige is depreciation.
HermAnn
Lifetime
15 annual accounts with figures on one time axispeak €34,879 (2021)
€21,206▲ 52.5%
lowest -€41,235 (2020)
€4,324▼ 21.5%
peak €56,287 (2025)
€56,287▲ 8.3%
€78,997▲ 52.2%
Board1 name since 2021
1 directorVan Riel Emile
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from €13,902 to €21,206Debts from €51,916 to €78,997Investments €63,465Cash from €13,514 to €19,449
Key points
from the 2025 annual accountsChecked score
92
Excellent
Financially stronger than 36% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,930 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%lowest value
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025lowest value
03-2025: < 0.1%● unchanged vs 02-2025lowest value
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: 0.1%▲ +0.1 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 0.1%▼ -0.1 percentage points vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €135,283
Liquidity: current ratio 0.92, cash €19,449
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 62, micro). It does better than 37% of them on solvency, 20% on liquidity, 31% on profitability and 54% on growth.
The bankruptcy probability was computed on 07-11-2026 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 very low class on 30-06-2025, 0.1% 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, 10,904 companies had the same profile as HermAnn has now. Each dot stands for 28 companies, two years later.
95.2%
were still trading
4.0%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of HermAnn itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 10,904 companies, not a prediction for HermAnn. 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 €5,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.92 (1.54 in 2024), below 1. Short-term debt is 46.5% and cash 14.4% of total assets. 58.4% 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 31 days late
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. 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 · 10 filingsDeviation from the deadline
2025
31 days late
2024
29 days late
2023
26 days late
2022
on the day
2021
26 days early
2020
29 days early
2019
24 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 1 day after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% 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. The company usually files around 27 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0899712810
Amendment of the articles · Legal-form change · Resignations & appointments
Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 09-10-2020 · Gazette deed
Incorporation
published on 20-08-2008 · Gazette deed
First establishment
Villerslei 156, Schoten
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| HermAnn Schoten | €135,283 | €21,206 | 41.6% | - |
| TRIPLE R CONSULTING Lille | €130,724 | €22,323 | 65.8% | - |
| VDH Software Solutions Niel | €142,382 | €20,698 | 3.6% | - |
| B-Tac Kapellen | €127,488 | €21,820 | 34.2% | - |
| BVB CONSULTING Lint | €138,184 | €22,678 | 49.8% | - |
| SALES DYNAMIX Aartselaar | €131,429 | €21,176 | 97.1% | - |
| ALL GREY MATTER Kortrijk | €122,239 | €21,044 | 24.3% | - |
These companies have the same main activity as HermAnn: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €122,000 and €142,000, founded between 2008 and 2011.
Official details
Source: KBO- Status
- Active since 06-08-2008Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 8 others
- Establishment unit
- 2.174.230.8482900 Schoten, since 06-08-2008
- Financial year end
- 31 December
- Peppol
- Reachable since 18-12-2025
Insights on HermAnn
HermAnn files the micro format. That format states no turnover. The gross margin rose from €3,174 in 2008 to €21,206 in 2025.
The balance sheet grew most from 2023 to 2025 through fixed assets.
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 HermAnn
- What is the company number of HermAnn?
- The company number of HermAnn is 0899.712.810. The VAT number is the same number with BE in front: BE 0899.712.810.
- Where is HermAnn based?
- The registered office is at Villerslei 156, 2900 Schoten.Company details
- What does HermAnn do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of HermAnn?
- HermAnn is a private limited company (BV).
- When was HermAnn founded?
- HermAnn was founded on 06-08-2008.
- Is HermAnn still active?
- Yes, HermAnn is an active enterprise in the KBO register.
- What is the turnover of HermAnn?
- The turnover in financial year 2025 is ≈ €110,000. This figure is estimated from the gross margin of €21,206 and 73 comparable companies (NACE 62200). It probably lies between €55,000 and €220,000. It is a rough estimate.Financials
- Is HermAnn profitable?
- In financial year 2025, HermAnn made a profit of €4,324.
- Where can I find the annual accounts of HermAnn?
- HermAnn filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of HermAnn due?
- HermAnn must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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