Hermann & Co
ActiveHermann & Co has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31k and a net result of €24k. Equity is growing by ~51.5% per year across the filed fiscal years. Its solvency ranks better than 39% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+26
Solvency68▼-5
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.66 against 1.71 in 2024; short-term debt: 57.2% and cash: 24.1% of total assets), but 57.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 dateAge against the risk zone
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
42.8%
Return on assets
34.1%
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 14-09-2026, 45 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 · 4 filingsDeviation from the deadline
2025
45 d late
2024
29 d late
2023
31 d late
2022
31 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€31k▲ 44.7%
2024 · €21k
2022: €-4k
2023: €19k
2024: €21k
2022 → 2025
Total assets
€72k▲ 63.9%
2024 · €44k
2022: €8k
2023: €52k
2024: €44k
2022 → 2025
Net result
€24k▲ 1,259%
2024 · €2k
2022: €-23k
2023: €23k
2024: €2k
2022 → 2025
Working capital
€27k▲ 70.2%
2024 · €16k
2022: €-8k
2023: €18k
2024: €16k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-4k-€19k€21k▲ 9.3%€31k▲ 44.7%
Operating result€-24k-€32k€-2k€36k
Net result€-23k-€23k€2k▼ 92.2%€24k▲ 1,259%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €36k after a loss of €2k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €72k
Fixed assets
€3k▼ 33.7%
Current assets
€68k▲ 77.0%
Equity and liabilities €72k
Equity
€31k▲ 44.7%
Debt
€41k▲ 81.8%
The debt ratio rises from 51.6% to 57.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€39k▲
2024 · €1k
Cash flow
€27k▲
2024 · €5k
Solvency
42.8%▼
2024 · 48.4%
Current ratio
1.66▼
2024 · 1.71
Quick ratio
1.66▼
2024 · 1.71
Debt / equity
1.34▲
2024 · 1.07
ROE
79.8%▲
2024 · 8.5%
ROA
34.1%▲
2024 · 4.1%
Interest coverage
1854.62▲
2024 · 7.70
Debt
€41k▲
2024 · €23k
Debt ≤ 1 year
€41k▲
2024 · €23k
Income taxes
€11k▲
2024 · €-4k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€44k€72k▲
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Furniture and vehicles24€5k€3k▼
Financial fixed assets28€76€76▼
Current assets29/58€39k€68k▲
Amounts receivable within one year40/41€25k€46k▲
Trade receivables40€21k€44k▲
Other amounts receivable41€4k€2k▼
Cash at bank and in hand54/58€13k€17k▲
Deferred charges and accrued income490/1€749€5k▲
Equity and liabilities
Total equity and liabilities10/49€44k€72k▲
Equity10/15€21k€31k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€17k€27k▲
Amounts payable17/49€23k€41k▲
Amounts payable within one year42/48€23k€41k▲
Financial debts43€2k-
Other loans439€2k-
Trade debts44€6k€486▼
Suppliers440/4€6k€486▼
Taxes, remuneration and social security45€7k€16k▲
Taxes450/3€7k€16k▲
Other amounts payable47/48€8k€24k▲
Income statement
Code20242025
Non-recurring operating income76A€1k€8k▲
Remuneration, social security and pensions62€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€816€602▼
Gross operating margin9900€4k€40k▲
Operating profit (loss)9901€-2k€36k▲
Financial charges65/66B€135€21▼
Recurring financial charges65€135€21▼
Profit (loss) for the period before taxes9903€-2k€36k▲
Income taxes67/77€-4k€11k▲
Profit (loss) for the period9904€2k€24k▲
Profit (loss) for the period to be appropriated9905€2k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€42k▲
Profit (loss) brought forward from the previous period14P€15k€17k▲
Profit to be distributed694/7-€15k
Return on contributions (dividend)694-€15k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 45 days late
2025
31-12
Financial
Highest result since 2022net €24k ▲1259%
Operating result €36k, net result €24k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 1.54
Current ratio from 0.29 to 1.54.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Brussel · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Emile Clausstraat 51000 BrusselGround area
848 m²
Building footprint
623 m²
Volume, LiDAR
13,603 m³
2 parcels, Brussels · tallest building 27.0 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Just Because
since 20212.312.728.537
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21822R0224/00P005 | Brussels | 428 m² | 1 · 257 m² | 26.2 m · 8 fl. |
| 21447B0384/00Z005indicative | Brussels | 419 m² | 1 · 366 m² | 27.0 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 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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MAGENTA
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 34,530 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-01-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
47120Other non-specialised retail sale
47910Retail trade
62010Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
70210Activities of head offices; management consultancy activities
73110Advertising agencies
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:chris@justbecause.one
Phone:0494246177