HM-INSIGHT
ActiveSummary
HM-INSIGHT has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€3,230) and a net result of -€566. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 2601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability24▲+24
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.77 against 0.72 in 2024; short-term debt: 130.4% and cash: 29.2% of total assets), and equity is negative.
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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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-30.4%
Return on assets
-5.3%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€3,230
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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
12 d late
2024
59 d early
2023
16 d early
2022
18 d late
2021
59 d late
2020
58 d late
2019
13 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 12 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 12 August (4 of the last 5 filed years within 47 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#4 oldest company in Watermaal-Bosvoorde, Other services sector
Equity
-€3,230▼ 21.2%
2024 · -€2,664
Total assets
€10,624▲ 57.6%
2024 · €6,743
Net result
-€566▲ 79.6%
2024 · -€2,778
Working capital
-€3,230▼ 21.2%
2024 · -€2,664
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, 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-€105,444▼ 578%€832€16,166▲ 1,842%-€2,535-€464▲ 81.7%
Net result-€106,332below the sector's middle half▼ 39,874%€700within the sector's middle half€15,975within the sector's middle half▲ 2,181%-€2,778below the sector's middle half-€566within the sector's middle half▲ 79.6%
Equity€11,938within the sector's middle half▼ 89.9%€12,639within the sector's middle half▲ 5.9%€28,614within the sector's middle half▲ 126%-€2,664below the sector's middle half-€3,230below the sector's middle half▼ 21.2%
Total assets€12,077below the sector's middle half▼ 90.0%€14,265below the sector's middle half▲ 18.1%€32,499below the sector's middle half▲ 128%€6,743below the sector's middle half▼ 79.3%€10,624below the sector's middle half▲ 57.6%
Debt€138▼ 93.4%€1,626▲ 1,077%€3,885▲ 139%€9,407▲ 142%€13,854▲ 47.3%
Working capital€11,938within the sector's middle half▼ 78.2%€12,639within the sector's middle half▲ 5.9%€28,614within the sector's middle half▲ 126%-€2,664within the sector's middle half-€3,230within the sector's middle half▼ 21.2%
Solvency98.9%above the sector's middle half▲ 0.6pp88.6%above the sector's middle half▼ 10.3pp88.0%above the sector's middle half▼ 0.6pp-39.5%below the sector's middle half▼ 127.6pp-30.4%below the sector's middle half▲ 9.1pp
Current ratio87.39above the sector's middle half▲ 60.258.77above the sector's middle half▼ 78.628.37above the sector's middle half▼ 0.410.72below the sector's middle half▼ 7.650.77below the sector's middle half▲ 0.05
Return on assets (ROA)-880.5%below the sector's middle half▼ 880.3pp4.9%within the sector's middle half▲ 885.4pp49.2%above the sector's middle half▲ 44.2pp-41.2%below the sector's middle half▼ 90.4pp-5.3%below the sector's middle half▲ 35.9pp
above
within
below
the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, 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
The operating result stays negative: a loss of €464 in 2025 against €2,535 in 2024; the loss shrinks.
Key figures and ratios
Debt to equity
-4.29▼
2024 · -3.53
Debt ≤ 1 year
€13,854▲
2024 · €9,407
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,799 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- negative equity
- a small loss
1.9%
went bankrupt
5.9%
stopped otherwise
90%
still going
A further 2.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 2,799 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 | €11,729 | - | - | - | - | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €4,615 | - | - | - | - | - |
| Other operating charges640/8 | €5 | - | - | - | - | - |
| Non-recurring operating charges66A | €76,614 | - | - | - | - | - |
| Gross operating margin9900 | -€12,480 | €832 | €16,166 | -€2,535 | -€464 | ▲ 81.7% |
| Operating profit (loss)9901 | -€105,444 | €832 | €16,166 | -€2,535 | -€464 | ▲ 81.7% |
| Financial income75/76B | €0 | €10 | - | - | - | - |
| Recurring financial income75 | €0 | €10 | - | - | - | - |
| Financial charges65/66B | €238 | €142 | €191 | €242 | €102 | ▼ 58.1% |
| Recurring financial charges65 | €238 | €142 | €191 | €242 | €102 | ▼ 58.1% |
| Profit (loss) for the period before taxes9903 | -€105,682 | €700 | €15,975 | -€2,778 | -€566 | ▲ 79.6% |
| Income taxes67/77 | €650 | - | - | - | - | - |
| Profit (loss) for the period9904 | -€106,332 | €700 | €15,975 | -€2,778 | -€566 | ▲ 79.6% |
| Profit (loss) for the period to be appropriated9905 | -€106,332 | €700 | €15,975 | -€2,778 | -€566 | ▲ 79.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €12,077 | €14,265 | €32,499 | €6,743 | €10,624 | ▲ 57.6% |
| Current assets29/58 | €12,077 | €14,265 | €32,499 | €6,743 | €10,624 | ▲ 57.6% |
| Amounts receivable within one year40/41 | €787 | €3,823 | €25,302 | €6,324 | €7,506 | ▲ 18.7% |
| Trade receivables40 | €787 | €3,500 | €22,385 | €4,235 | €6,901 | ▲ 63.0% |
| Other amounts receivable41 | - | €323 | €2,917 | €2,089 | €605 | ▼ 71.0% |
| Cash at bank and in hand54/58 | €11,290 | €10,442 | €7,197 | €419 | €3,097 | ▲ 639% |
| Deferred charges and accrued income490/1 | - | - | - | - | €21 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €12,077 | €14,265 | €32,499 | €6,743 | €10,624 | ▲ 57.6% |
| Equity10/15 | €11,938 | €12,639 | €28,614 | -€2,664 | -€3,230 | ▼ 21.2% |
| Contributions10/11 | €30,977 | €30,977 | €30,977 | €2,477 | €2,477 | = |
| Reserves13 | €6,525 | €6,525 | - | - | - | - |
| Non-distributable reserves130/1 | €3,098 | €3,098 | - | - | - | - |
| Reserves not available under the articles1311 | €3,098 | €3,098 | - | - | - | - |
| Distributable reserves133 | €3,427 | €3,427 | - | - | - | - |
| Profit (loss) carried forward14 | -€25,563 | -€24,863 | -€2,363 | -€5,141 | -€5,707 | ▼ 11.0% |
| Amounts payable17/49 | €138 | €1,626 | €3,885 | €9,407 | €13,854 | ▲ 47.3% |
| Amounts payable within one year42/48 | €138 | €1,626 | €3,885 | €9,407 | €13,854 | ▲ 47.3% |
| Trade debts44 | €90 | €1,375 | - | €2,116 | €3,010 | ▲ 42.3% |
| Suppliers440/4 | €90 | €1,375 | - | €2,116 | €3,010 | ▲ 42.3% |
| Taxes, remuneration and social security45 | €48 | - | €3,885 | - | €128 | - |
| Taxes450/3 | €48 | - | €3,885 | - | €128 | - |
| Other amounts payable47/48 | - | €252 | - | €7,292 | €10,717 | ▲ 47.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€106,332 | €700 | €15,975 | -€2,778 | -€566 | ▲ 79.6% |
| + Depreciation and write-downs630 | €11,729 | - | - | - | - | - |
| Operating cash flow (approximation) | -€94,603 | €700 | €15,975 | -€2,778 | -€566 | ▲ 79.6% |
| Change in cash | - | -€848 | -€3,245 | -€6,778 | €2,678 | ▲ 140% |
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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial
Back to profitnet €700
Net result €700 after 3 loss-making years.
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
31-12
Financial
Weakest financial yearnet -€106,332
Net result drops to -€106,332, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 87.39
Current ratio from 27.15 to 87.39; short-term debt falls from €2,091 to €138.
27-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 58 days late
2020
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
2019
31-12
Financial
Liquidity times 17current ratio 293.81
Current ratio from 17.51 to 293.81; short-term debt falls from €2,323 to €98.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Watermaal-Bosvoorde · 1 establishment unit since 1990
Ground area
691 m²
Building footprint
217 m²
Volume, LiDAR
2,650 m³
2 parcels, Brussels · tallest building 16.1 m, ±5 floors. Linked by address, not a title deed.
11
companies at this address
See who is registered here
1 establishment unit
Middelburgstraat 64, 1170 Watermaal-Bosvoorde
since 19902.024.077.026
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0621/00T000 | Brussels | 607 m² | 1 · 176 m² | 16.1 m · 5 fl. |
| 21652E0615/00K000 | Brussels | 84 m² | 1 · 41 m² | 7.0 m · 2 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 2,544 companies in sector 95290 we hold annual accounts for 419. 310 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
Founded23-12-1983
Fiscal year end31-12
Activities, NACEBEL 2025
95290Repair and maintenance of other personal and household goods
Contact
Website
www.hm-insight.com
E-mail
info@hm-insight.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0425035786
Also
9925:BE0425035786
Registered
19-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.