HERMANS MARC
ActiveSummary
HERMANS MARC has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €102k and a net result of €4k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 66% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-4
Solvency86▲+3
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.72 against 3.13 in 2024; short-term debt: 19% and cash: 34.4% of total assets), and 38.6% of the assets are financed with debt.
Credit advice for your own amount and term
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
61.4%
Return on assets
2.2%
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 26-08-2026, 26 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
26 d late
2024
9 d late
2023
26 d late
2022
9 d late
2021
29 d late
2020
30 d late
2019
28 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€102k▲ 3.8%
2024 · €99k
2018: €100k
2019: €111k
2020: €107k
2021: €97k
2022: €89k
2023: €138k
2024: €99k
2018 → 2025
Total assets
€167k▼ 2.0%
2024 · €170k
2018: €141k
2019: €144k
2020: €127k
2021: €111k
2022: €94k
2023: €191k
2024: €170k
2018 → 2025
Net result
€4k▼ 60.2%
2024 · €9k
2018: €21k
2019: €11k
2020: €6k
2021: €7k
2022: €2k
2023: €62k
2024: €9k
2018 → 2025
Working capital
€54k▲ 11.4%
2024 · €49k
2018: €77k
2019: €93k
2020: €88k
2021: €83k
2022: €82k
2023: €124k
2024: €49k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€97k-€89k▼ 8.4%€138k▲ 55.6%€99k▼ 28.7%€102k▲ 3.8%
Operating result€8k-€435▼ 94.5%€84k▲ 19,093%€15k▼ 81.9%€9k▼ 42.9%
Net result€7k-€2k▼ 74.5%€62k▲ 3,305%€9k▼ 85.1%€4k▼ 60.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 43% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €167k
Fixed assets
€80k ▼ 18.1%
Current assets
€86k ▲ 20.0%
Equity and liabilities €167k
Equity
€102k ▲ 3.8%
Debt
€64k ▼ 10.0%
Debt's share of the balance-sheet total falls from 42.0% to 38.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32k▼
2024 · €38k
Cash flow
€27k▼
2024 · €32k
Current ratio
2.72▼
2024 · 3.13
Debt to equity
0.63▼
2024 · 0.72
ROE
3.6%▼
2024 · 9.4%
ROA
2.2%▼
2024 · 5.5%
Interest coverage
11.52▲
2024 · 9.06
Debt ≤ 1 year
€32k▲
2024 · €23k
Debt > 1 year
€33k▼
2024 · €48k
Income taxes
€3k▼
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€170k€167k▼
Fixed assets21/28€98k€80k▼
Tangible fixed assets22/27€98k€80k▼
Plant, machinery and equipment23€1k€3k▲
Furniture and vehicles24€76k€56k▼
Other tangible fixed assets26€20k€21k▲
Current assets29/58€72k€86k▲
Amounts receivable within one year40/41€24k€26k▲
Trade receivables40€5k€16▼
Other amounts receivable41€19k€26k▲
Cash at bank and in hand54/58€43k€57k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€170k€167k▼
Equity10/15€99k€102k▲
Contributions10/11€12k€12k=
Reserves13€86k€90k▲
Distributable reserves133€86k€90k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€71k€64k▼
Amounts payable after more than one year17€48k€33k▼
Financial debts170/4€48k€33k▼
Amounts payable within one year42/48€23k€32k▲
Current portion of amounts payable after more than one year42€15k€16k▲
Financial debts43€899€788▼
Credit institutions430/8€899€788▼
Trade debts44€537€2k▲
Suppliers440/4€537€2k▲
Taxes, remuneration and social security45€6k€13k▲
Taxes450/3€6k€13k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€23k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€40k€33k▼
Operating profit (loss)9901€15k€9k▼
Financial income75/76B€3k€1k▼
Recurring financial income75€3k€1k▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€14k€7k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€9k€4k▼
Profit (loss) for the period to be appropriated9905€9k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€4k▼
Transfer from equity791/2€49k€0▼
Transfer to equity691/2€9k€4k▼
To other reserves6921€9k€4k▼
Profit to be distributed694/7€49k€0▼
Return on contributions (dividend)694€49k€0▼
Directors or managers695€0-
The notes to these accounts (8 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Equity above €100kEq €102k ▲3.8%
8 profitable years in a row build equity to €102k.
09-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 9 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Highest result since 2018net €62k ▲3305%
Operating result €84k, net result €62k, both a record.
31-12
Financial
Equity above €100kEq €138k ▲55.6%
6 profitable years in a row build equity to €138k.
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
31-12
Financial
Weakest financial yearnet €2k ▼74.5%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Equity above €100kEq €111k ▲11.2%
2 profitable years in a row build equity to €111k.
Show earlier events
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
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.
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, Kapellen · 1 establishment unit since 2009
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.
Vloeiende 732950 KapellenGround area
1,158 m²
Building footprint
130 m²
Volume, LiDAR
854 m³
Parcel 11362H0580/00L000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HERMANS MARC
since 20092.183.228.092
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11362H0580/00L000 | Flanders | 1,158 m² | 1 · 130 m² | 9.6 m · 2 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
KLIMATISATIE VAN SNICK
BE 1000.205.206
Lierde · Eq €102,226
ANDY MOUTON
BE 0688.609.730
Lievegem · Eq €102,037
Bepe Projects
BE 1006.335.804
Ranst · Eq €102,029
JK SANITAIR & VERWARMING
BE 0800.221.591
Rijkevorsel · Eq €102,468
FDG CHAUFFAGE
BE 1018.037.566
Sint-Joost-ten-Node · Eq €102,473
Of 7,041 companies in sector 43221 we hold annual accounts for 3,471. 3,056 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-11-2009
Fiscal year end31-12
Activities, NACEBEL 2025
43221Plumbing work
43410Roofing work
43421Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.