HM-INSIGHT (0425.035.786): annual accounts, directors and company register

HM-INSIGHT

Watermael-Boitsfort ·KBO/BCE: BE 0425.035.786

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%

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%

Company	Total assets	Gross margin	Solvency	Staff
HM-INSIGHT Watermael-Boitsfort	€10,624	-€464	-30.4%	-
WESTVLAAMS MEUBELRENOVATIEBEDRIJF Roeselare	€12,473	-€1,628	-132.1%	-
LOMANI Ixelles	€14,255	-€5,901	40.2%	-
ABDRIM Gouvy	€4,798	-€15,033	-14943.7%	-
BYWT Oudsbergen	€6,897	-€2,120	98.0%	-
LUC ROGGEMAN Erpe-Mere	€28,802	-€5,744	78.3%	-
COUTURIER EXPRESS Jette	€14,102	-€5,720	57.3%	-

Line	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
Balance sheet: assets
Total assets`20/58`	10,624	6,743	32,499	14,265	12,077	120,362	118,634	145,684	143,425	134,035	106,208	97,082	98,510	99,967	72,601	77,923	84,373	95,583
Fixed assets`21/28`	-	-	-	-	-	63,601	89,868	105,016	96,854	66,004	72,288	71,851	84,403	87,638	59,678	67,261	75,122	86,649
Tangible fixed assets`22/27`	-	-	-	-	-	63,601	89,868	105,016	96,854	66,004	72,288	71,851	84,403	87,638	59,678	67,261	75,122	86,649
Plant, machinery and equipment`23`	-	-	-	-	-	56,267	48,119	49,908	51,697	38,930	39,704	54,538	39,235	40,929	42,623	44,381	44,148	46,005
Furniture and vehicles`24`	-	-	-	-	-	7,334	41,749	55,108	45,157	27,074	32,584	17,313	45,168	46,709	17,055	22,880	30,974	40,644
Current assets`29/58`	10,624	6,743	32,499	14,265	12,077	56,761	28,766	40,668	46,571	68,031	33,920	25,231	14,107	12,329	12,923	10,662	9,251	8,934
Stocks and contracts in progress`3`	-	-	-	-	-	-	-	-	-	-	899	1,069	1,701	1,994	1,897	1,584	1,807	2,145
Stocks`30/36`	-	-	-	-	-	-	-	-	-	-	899	1,069	1,701	1,994	1,897	1,584	1,807	2,145
Amounts receivable within one year`40/41`	7,506	6,324	25,302	3,823	787	3,927	4,970	7,893	6,433	9,677	19,266	12,575	-	1,060	-	5,215	3,574	3,816
Trade receivables`40`	6,901	4,235	22,385	3,500	787	312	77	3,546	76	2,843	17,094	5,775	-	1,060	-	5,215	3,006	3,816
Other amounts receivable`41`	605	2,089	2,917	323	-	3,615	4,893	4,347	6,357	6,834	2,172	6,800	-	-	-	-	568	-
Cash at bank and in hand`54/58`	3,097	419	7,197	10,442	11,290	52,834	23,797	32,775	40,138	58,354	13,755	11,587	12,406	9,105	11,026	3,863	3,870	2,650
Deferred charges and accrued income`490/1`	21	-	-	-	-	-	-	-	-	-	-	-	-	170	-	-	-	323
Balance sheet: equity and liabilities
Total equity and liabilities`10/49`	10,624	6,743	32,499	14,265	12,077	120,362	118,634	145,684	143,425	134,035	106,208	97,082	98,510	99,967	72,601	77,923	84,373	95,583
Equity`10/15`	-3,230	-2,664	28,614	12,639	11,938	118,271	118,536	143,361	136,512	126,800	96,480	82,814	77,456	68,250	51,427	50,293	54,471	60,034
Contributions`10/11`	2,477	2,477	30,977	30,977	30,977	30,977	30,977	30,977	30,977	30,977	30,977	30,977	30,976	30,976	30,976	30,976	30,976	30,976
Issued capital`100`	-	-	-	-	-	-	30,977	30,977	30,977	30,977	30,977	30,977	30,976	30,976	30,976	30,976	30,976	30,976
Reserves`13`	-	-	-	6,525	6,525	6,525	6,525	6,525	6,525	6,525	6,525	6,525	3,427	3,427	3,426	3,426	3,426	-
Non-distributable reserves`130/1`	-	-	-	3,098	3,098	3,098	-	-	-	-	-	-	-	-	-	-	-	-
Legal reserve`130`	-	-	-	-	-	-	3,098	3,098	3,098	3,098	3,098	3,098	-	-	-	-	-	-
Reserves not available under the articles`1311`	-	-	-	3,098	3,098	3,098	-	-	-	-	-	-	-	-	-	-	-	-
Distributable reserves`133`	-	-	-	3,427	3,427	3,427	3,427	3,427	3,427	3,427	3,427	3,427	3,427	3,427	3,426	3,426	3,426	-
Profit (loss) carried forward`14`	-5,707	-5,141	-2,363	-24,863	-25,563	80,769	81,035	105,859	99,010	89,298	58,978	45,312	43,053	33,847	17,025	15,891	20,069	29,058
Amounts payable`17/49`	13,854	9,407	3,885	1,626	138	2,091	98	2,323	6,913	7,235	9,728	14,268	21,054	31,717	21,174	27,630	29,902	35,549
Amounts payable after more than one year`17`	-	-	-	-	-	-	-	-	1,250	-	2,171	6,396	14,386	18,164	2,200	7,978	14,188	20,056
Financial debts`170/4`	-	-	-	-	-	-	-	-	1,250	-	2,171	6,396	14,386	18,164	2,200	7,978	14,188	20,056
Amounts payable within one year`42/48`	13,854	9,407	3,885	1,626	138	2,091	98	2,323	5,663	7,235	7,557	7,872	6,498	13,553	18,974	19,652	15,714	15,493
Current portion of amounts payable after more than one year`42`	-	-	-	-	-	-	-	1,250	5,000	2,171	4,223	4,069	28	-	-	-	-	-
Financial debts`43`	-	-	-	-	-	-	-	-	-	-	-	-	8	2,857	789	902	754	1,533
Credit institutions`430/8`	-	-	-	-	-	-	-	-	-	-	-	-	8	2,857	789	902	754	1,533
Trade debts`44`	3,010	2,116	-	1,375	90	78	98	1,073	663	630	2,508	215	20	10,696	14,434	18,750	14,960	13,960
Suppliers`440/4`	3,010	2,116	-	1,375	90	78	98	1,073	663	630	2,508	215	20	1,080	14,434	18,750	-	-
Bills of exchange payable`441`	-	-	-	-	-	-	-	-	-	-	-	-	-	9,616	-	-	14,960	13,960
Taxes, remuneration and social security`45`	128	-	3,885	-	48	2,013	-	-	-	1,269	-	423	-	-	3,751	-	-	-
Taxes`450/3`	128	-	3,885	-	48	2,013	-	-	-	1,269	-	423	-	-	3,751	-	-	-
Other amounts payable`47/48`	10,717	7,292	-	252	-	-	-	-	-	3,165	826	3,165	6,442	-	-	-	-	-
Accrued charges and deferred income`492/3`	-	-	-	-	-	-	-	-	-	-	-	-	170	-	-	-	-	-
Income statement
Non-recurring operating income`76A`	-	-	-	-	-	-	-	-	-	-	-	201	-	-	-	-	-	-
Gross operating margin`9900`	-464	-2,535	16,166	832	-12,480	1,595	4,704	66,273	75,364	85,910	62,282	25,306	56,981	51,724	38,919	36,822	35,991	45,341
Goods, raw materials, services and sundry goods`60/61`	-	-	-	-	-	-	-	-	-	-	-	-	2,519	4,259	1,268	1,936	672	2,875
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets`630`	-	-	-	-	11,729	8,508	18,721	18,846	16,932	13,195	15,731	13,974	12,080	7,459	10,216	10,816	11,880	12,509
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)`631/4`	-	-	-	-	4,615	-	-	-	-	-	-	-	-	-	-	-	-	-
Other operating charges`640/8`	-	-	-	-	5	2,881	-	-	37	-	-	64	29,036	28,290	23,866	25,540	30,239	34,220
Non-recurring operating charges`66A`	-	-	-	-	76,614	5,767	-	-	-	-	170	-	293	-	-	223	338	1,016
Operating profit (loss)`9901`	-464	-2,535	16,166	832	-105,444	-15,561	-14,017	47,427	58,395	72,715	46,551	11,268	15,865	15,975	4,837	466	-6,128	-1,388
Financial income`75/76B`	-	-	-	10	0	-	-	-	-	336	20	13	-	-	-	-	-	-
Recurring financial income`75`	-	-	-	10	0	-	-	-	-	336	20	13	-	-	-	-	-	-
Financial charges`65/66B`	102	242	191	142	238	226	201	255	268	247	493	696	1,038	787	614	1,000	1,356	1,531
Recurring financial charges`65`	102	242	191	142	238	226	201	255	268	247	493	696	1,038	787	614	1,000	1,356	1,531
Profit (loss) for the period before taxes`9903`	-566	-2,778	15,975	700	-105,682	-15,787	-14,218	47,172	58,127	72,804	45,908	10,786	14,534	15,188	4,223	-757	-7,822	-3,935
Income taxes`67/77`	-	-	-	-	650	-15,521	10,607	26,038	9,844	26,046	22,242	5,429	5,328	1,116	3,089	3,421	1,167	3,830
Profit (loss) for the period`9904`	-566	-2,778	15,975	700	-106,332	-266	-24,824	21,134	48,283	46,758	23,666	5,357	9,206	14,072	1,134	-4,178	-8,989	-7,765
Profit (loss) for the period to be appropriated`9905`	-566	-2,778	15,975	700	-106,332	-266	-24,824	21,134	48,283	46,758	23,666	5,357	9,206	14,072	1,134	-4,178	-8,989	-7,765
Appropriation of the result
Profit (loss) to be appropriated`9906`	-5,707	-5,141	-8,887	-24,863	-25,563	80,769	81,035	120,145	137,581	105,736	68,978	48,410	43,053	29,963	17,025	15,891	20,069	29,058
Profit (loss) brought forward from the previous period`14P`	-5,141	-2,363	-24,863	-25,563	80,769	-	-	-	-	-	-	-	-	-	-	-	-	-
Transfer from equity`791/2`	-	-	6,525	-	-	-	-	-	-	-	-	-	-	3,884	-	-	-	-
Transfer to equity`691/2`	-	-	-	-	-	-	-	-	-	-	-	3,098	-	-	-	-	-	-
To the legal reserve`6920`	-	-	-	-	-	-	-	-	-	-	-	3,098	-	-	-	-	-	-
Profit to be distributed`694/7`	-	-	-	-	-	-	-	14,286	38,571	16,438	10,000	-	-	-	-	-	-	-
Return on contributions (dividend)`694`	-	-	-	-	-	-	-	14,286	38,571	16,438	-	-	-	-	-	-	-	-
Directors or managers`695`	-	-	-	-	-	-	-	-	-	-	10,000	-	-	-	-	-	-	-
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Financial year	Type	Filed	Reference	Document
31-12-2025	micro format	12-08-2026	2026-00402922	PDF
31-12-2024	micro format	02-06-2025	2025-00125398	PDF
31-12-2023	micro format	15-07-2024	2024-00249180	PDF
31-12-2022	micro format	18-08-2023	2023-00341342	PDF
31-12-2021	micro format	28-09-2022	2022-20444842	PDF
31-12-2020	micro format	27-09-2021	2021-68500264	PDF
31-12-2019	micro format	13-08-2020	2020-41100415	PDF
31-12-2018	micro format	28-08-2019	2019-52900261	PDF
31-12-2017	micro format	12-07-2018	2018-32300458	PDF
31-12-2016	full format	28-06-2017	2017-24000108	PDF
31-12-2015	full format	29-08-2016	2016-52000097	PDF
31-12-2014	full format	02-07-2015	2015-27300169	PDF
31-12-2013	full format	01-12-2014	2014-68100099	PDF
31-12-2012	full format	30-07-2013	2013-37800325	PDF
31-12-2011	full format	31-07-2012	2012-38000010	PDF
31-12-2010	full format	27-06-2011	2011-22700220	PDF
31-12-2009	full format	16-07-2010	2010-31500058	PDF
31-12-2008	full format	29-07-2009	2009-52100052	PDF
31-12-2007	full format	01-08-2008	2008-50200394	PDF
31-12-2006	full format	04-01-2008	2008-00200086	PDF
31-12-2005	full format	28-07-2006	2006-57702155	PDF
31-12-2004	full format	23-09-2005	2005-70503284	PDF
31-12-2003	full format	25-02-2005	2005-06202226	PDF
31-12-2002	full format	31-12-2003	2003-87001891	PDF
31-12-2001	full format	27-12-2002	2002-79300070	PDF
31-12-2000	full format	11-01-2002	2002-01104715	PDF
31-12-1999	full format	26-01-2001	2001-02603791	PDF
31-12-1998	full format	14-01-2000	2000-01303081	PDF
31-12-1997	full format	18-12-1998	1998-62304131	PDF
31-12-1996	full format	29-05-1998	1998-12401209	PDF
31-12-1995	full format	28-03-1997	1997-04802109	PDF
31-12-1994	full format	28-03-1997	1997-04802099	PDF
31-12-1993	full format	27-02-1995	1995-03002376	PDF
31-12-1991	full format	30-12-1992	1992-42104739	PDF
31-12-1990	full format	30-09-1991	1991-26701913	PDF
31-12-1989	full format	06-08-1990	1990-20801015	PDF
31-12-1988	full format	04-08-1989	1989-19600694	PDF
31-12-1987	full format	10-08-1988	1988-18501114	PDF
31-12-1986	full format	28-07-1987	1987-18800156	PDF
31-12-1985	full format	28-07-1986	1986-31901255	PDF
31-12-1984	full format	06-08-1985	1985-29600915	PDF

Line	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
EBITDA	-	-	-	-	-93,715	-7,053	4,704	66,273	75,327	85,910	62,282	25,242	27,945	23,434	15,053	11,282	5,752	11,121
Cash flow	-	-	-	-	-94,603	8,242	-6,104	39,980	65,215	59,953	39,397	19,331	21,286	21,531	11,350	6,638	2,891	4,744
Investment in fixed assets (approximation)	-	-	-	-	13,277	-17,759	3,573	27,008	47,782	8,578	16,168	1,422	8,845	36,936	2,633	2,955	353	1,450
Change in cash	2,678	-6,778	-3,245	-848	-41,544	29,037	-8,978	-7,363	-18,216	44,599	2,168	-819	3,301	-1,921	7,163	-7	1,220	-
Working capital	-3,230	-2,664	28,614	12,639	11,938	54,670	28,669	38,345	40,908	60,796	26,363	17,359	7,609	-1,224	-6,051	-8,990	-6,463	-6,559
Solvency	-30.4%	-39.5%	88.0%	88.6%	98.9%	98.3%	99.9%	98.4%	95.2%	94.6%	90.8%	85.3%	78.6%	68.3%	70.8%	64.5%	64.6%	62.8%
Current ratio	0.77	0.72	8.37	8.77	87.39	27.15	-	17.51	8.22	9.40	4.49	3.21	2.17	0.91	0.68	0.54	0.59	0.58
Quick ratio	0.77	0.72	8.37	8.77	87.39	27.15	-	17.51	8.22	9.40	4.37	3.07	1.91	0.76	0.58	0.46	0.47	0.44
Debt to equity	-	-	0.14	0.13	0.01	0.02	0.00	0.02	0.05	0.06	0.10	0.17	0.27	0.46	0.41	0.55	0.55	0.59
ROE	-	-	55.8%	5.5%	-890.7%	-0.2%	-20.9%	14.7%	35.4%	36.9%	24.5%	6.5%	11.9%	20.6%	2.2%	-8.3%	-16.5%	-12.9%
ROA	-5.3%	-41.2%	49.2%	4.9%	-880.5%	-0.2%	-20.9%	14.5%	33.7%	34.9%	22.3%	5.5%	9.3%	14.1%	1.6%	-5.4%	-10.7%	-8.1%
Interest coverage	-	-	-	-	-393.58	-	-	-	-	-	-	-	-	-	-	-	-	-
Supplier credit	-	-	-	-	-	-	-	-	-	-	-	-	3 days	917 days	4155 days	3535 days	8126 days	1772 days

Item	2025	2024	2023	2022	2021
Tangible fixed assets	-	-	-	-	€13,277
Depreciation and write-downs of the year	-	-	-	-	€11,729

DEDICATED RESOURCES registered office since 28-07-2011 · founded in 2011 · accounts filed late	total assets €368,551 (2024) 0838.188.084
YVES HOUBION establishment since 01-01-2024 · founded in 2015 · accounts filed late	total assets €281,061 (2023) 0631.711.312
DATACORP registered office since 22-10-2013 · founded in 2013	total assets €96,834 (2025) 0541.314.834
LH Law Office registered office since 06-11-2024 · founded in 2024	total assets €80,033 (2025) 1015.969.783
OAK real estate registered office since 26-04-2018 · founded in 2018	total assets €21,827 (2025) 0695.525.830
Ex Machina establishment since 12-10-1998 · founded in 1998	total assets €9,085 (2025) 0464.243.285
URBIZ.IMMO registered office since 10-06-2024 · founded in 2024 · negative equity (2025)	total assets €4,425 (2025) 1010.196.602
ORIA-LEX establishment since 27-10-2026	founded in 2026 1043.727.522
EVASION.IMMO registered office since 30-03-2026	founded in 2026 1036.172.014
Houbion, Yves (sole trader) establishment since 01-04-2009	founded in 2002 0816.519.769

Establishment	Since	Unit number
Middelburgstraat 64B registered office 1170 Watermael-Boitsfort
Middelburgstraat 64 1170 Watermael-Boitsfort	27-12-1990	2.024.077.026

Cadastral parcel	Area	Buildings	Height / floors
21652E0621/00T000	607 m²	1 · 176 m²	16.1 m · 5
21652E0615/00K000	84 m²	1 · 41 m²	7.0 m · 2

Overview

Lifetime

Key points

Equity

Losses

Debts

Filings

At the same address

Position in the sector

Checked score

Score breakdown

Comparable companies, two years later

Credit verdict

Signals

Board and ownership

Recent changes

Comparable companies

Official details

Annual accounts 2025

Insights on HM-INSIGHT

Financials

Annual accounts 2025

Balance sheet

Change in equityin euro

Change in cashin euro

Position in the sector

Solvency-30.4%

Current ratio0.77

Return on assets-5.3%

Filed annual accounts

Filings

Key figures and ratios

Investments

Insights on HM-INSIGHT

Board & ownership

Board

Mandates through the years

Control

Capital

Network & group

No group

At the same address

Connections & network

Timeline

Timeline

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Registered office and establishments

Buildings and parcels at the addresses

Location

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