HERMANO
ActiveHERMANO has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €309k and a net result of €1k. Equity is growing by ~20% per year across the filed fiscal years. Its solvency ranks better than 28% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-26
Solvency52▼-45
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 4.32 in 2024; short-term debt: 16.6% and cash: 0.2% of total assets), and 73.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 →
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
26.6%
Return on assets
0.1%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 8 filingsDeviation from the deadline
2025
27 d late
2024
26 d late
2023
20 d late
2022
31 d late
2021
60 d late
2020
61 d late
2019
92 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€309k▲ 0.4%
2024 · €307k
2018: €89k
2019: €110k
2020: €165k
2021: €148k
2022: €184k
2023: €244k
2024: €307k
2018 → 2025
Total assets
€1.16M▲ 171%
2024 · €428k
2018: €165k
2019: €179k
2020: €281k
2021: €223k
2022: €237k
2023: €320k
2024: €428k
2018 → 2025
Net result
€1k▼ 98.0%
2024 · €63k
2018: €77k
2019: €21k
2020: €56k
2021: €32k
2022: €35k
2023: €60k
2024: €63k
2018 → 2025
Working capital
€78k▼ 75.2%
2024 · €315k
2018: €89k
2019: €133k
2020: €188k
2021: €170k
2022: €204k
2023: €264k
2024: €315k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€148k-€184k▲ 23.8%€244k▲ 32.9%€307k▲ 26.0%€309k▲ 0.4%
Operating result€33k-€46k▲ 41.2%€81k▲ 74.9%€99k▲ 23.1%€13k▼ 86.6%
Net result€32k-€35k▲ 11.3%€60k▲ 70.9%€63k▲ 5.1%€1k▼ 98.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 87% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.16M
Fixed assets
€889k▲ 4,767%
Current assets
€271k▼ 33.9%
Equity and liabilities €1.16M
Equity
€309k▲ 0.4%
Debt
€851k▲ 606%
The debt ratio rises from 28.2% to 73.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€43k▼
2024 · €103k
Cash flow
€31k▼
2024 · €67k
Solvency
26.6%▼
2024 · 71.8%
Current ratio
1.41▼
2024 · 4.32
Quick ratio
1.41▼
2024 · 4.32
Debt / equity
2.76▲
2024 · 0.39
ROE
0.4%▼
2024 · 20.7%
ROA
0.1%▼
2024 · 14.8%
Interest coverage
5.00▼
2024 · 20.30
Debt
€851k▲
2024 · €121k
Debt ≤ 1 year
€193k▲
2024 · €95k
Debt > 1 year
€647k▲
2024 · €3k
Income taxes
€3k▼
2024 · €35k
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€428k€1.16M▲
Fixed assets21/28€18k€889k▲
Tangible fixed assets22/27€18k€889k▲
Land and buildings22-€875k
Furniture and vehicles24€18k€13k▼
Current assets29/58€410k€271k▼
Amounts receivable after more than one year29-€235k
Trade receivables290-€235k
Amounts receivable within one year40/41€382k€33k▼
Trade receivables40€33k€33k=
Other amounts receivable41€349k€0▼
Cash at bank and in hand54/58€27k€2k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€428k€1.16M▲
Equity10/15€307k€309k▲
Contributions10/11€19k€19k=
Reserves13€289k€289k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€287k€287k=
Profit (loss) carried forward14€229€1k▲
Amounts payable17/49€121k€851k▲
Amounts payable after more than one year17€3k€647k▲
Financial debts170/4€3k€647k▲
Amounts payable within one year42/48€95k€193k▲
Current portion of amounts payable after more than one year42€8k€27k▲
Financial debts43€25k€2k▼
Credit institutions430/8€25k€2k▼
Trade debts44€12k€16k▲
Suppliers440/4€12k€16k▲
Taxes, remuneration and social security45€42k€25k▼
Taxes450/3€42k€25k▼
Other amounts payable47/48€8k€123k▲
Accrued charges and deferred income492/3€23k€11k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€30k▲
Other operating charges640/8€2k€7k▲
Gross operating margin9900€105k€50k▼
Operating profit (loss)9901€99k€13k▼
Financial income75/76B€5k€6▼
Recurring financial income75€5k€6▼
Financial charges65/66B€5k€9k▲
Recurring financial charges65€5k€9k▲
Profit (loss) for the period before taxes9903€99k€5k▼
Income taxes67/77€35k€3k▼
Profit (loss) for the period9904€63k€1k▼
Profit (loss) for the period to be appropriated9905€63k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€64k€1k▼
Profit (loss) brought forward from the previous period14P€229€229=
Transfer to equity691/2€63k€0▼
To other reserves6921€63k€0▼
The notes to these accounts (11 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €1k ▼98%
Net result drops to €1k, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Equity above €200kEq €244k ▲32.9%
6 profitable years in a row build equity to €244k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €150kEq €184k ▲23.8%
5 profitable years in a row build equity to €184k.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Equity above €150kEq €165k ▲50.9%
3 profitable years in a row build equity to €165k.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
31-12
Financial
Equity above €100kEq €110k ▲23.1%
2 profitable years in a row build equity to €110k.
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.
Directors · office · real estate
Directors
4 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, Gent · 1 establishment unit since 2018
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.
Overmeersstraat 19051 GentGround area
808 m²
Building footprint
145 m²
Volume, LiDAR
626 m³
Parcel 44062C0048/00T000, Flanders · tallest building 6.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
HERMANO
since 20182.274.656.532
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44062C0048/00T000 | Flanders | 808 m² | 1 · 145 m² | 6.3 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Bé Consultancy
BE 0455.644.533
Middelkerke · Eq €309k
Casimot
BE 0772.782.964
Aartselaar · Eq €309k
JEAN MULS MANAGEMENT & CONSULTING
BE 0820.376.411
Sint-Pieters-Woluwe · Eq €309k
EQUANUM
BE 0651.679.454
Brussel · Eq €309k
K & F
BE 0898.630.566
Antwerpen · Eq €309k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 37,978 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-03-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.