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Complete company report
Generated 13-07-2026
Active BE 1000.130.376Private limited company

HM TECH

Abstraat 51 ·3090 Overijse, Belgium· 2 yrs active
Sector: Construction of buildings (41001)
Conclusion Checked

The computed 12-month bankruptcy probability of HM TECH is 2.9% (moderate). The 2024 annual accounts show equity of €14k and a net result of €9k. Its solvency ranks better than 36% of 3811 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €14k
Net result €9k
Better than sector 36%
Active 2 yrs
Snowflake analysis 5 axes · computed by Checked
Health83Profitability100Solvency64Growth50Stability67
73 / 100

Strong profile, led by profitability.

Health 83
Profitability 100
Solvency 64
Growth 50
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
2.9% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
83 / 100 Excellent
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 06-02-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 26.9% 39.4%
better than 36% of 3811 sector peers
Net result €9k €10k
better than 48% of 3808 sector peers
Equity €14k €29k
better than 32% of 3816 sector peers
Gross operating margin €33k €26k
better than 56% of 3806 sector peers
Staff costs €13k €16k
higher than 47% of 1118 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Revenue-
EBITDA€20k
Net profit€9k
Cash flow€18k
Staff costs€13k
Income taxes€2k
Dividends-
Total assets€51k
Equity€14k
Debt€38k
of which ≤ 1y€6k
of which > 1y-
Working capital€17k
Employees (FTE)-
Ratios (computed)
2024
Current ratio4.02
Quick ratio4.02
Working capital ratio32.9%
Solvency26.9%
Debt / equity2.72
Long-term debt ratio-
Interest coverage411.64
Gross margin-
Net margin-
ROA17.2%
ROE63.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€51k
Fixed assets 21/28€29k
Tangible fixed assets 22/27€28k
Financial fixed assets 28€1k
Current assets 29/58€23k
Amounts receivable within one year 40/41€20k
Cash & bank 54/58€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€51k
Equity 10/15€14k
Contributions / capital 10/11€5k
Accumulated profits (losses) 14€9k
Amounts payable 17/49€38k
Amounts payable within one year 42/48€6k
Trade debts payable within one year 44€590
Income statement
Gross operating margin 9900€33k
Operating result 9901€11k
Financial charges 65€49
Result before taxes 9903€11k
Income taxes 67/77€2k
Net result for the period 9904€9k
Result to be appropriated 9905€9k
Ratios computed by Checked.
Legal Structure
NACE primary Construction of buildings(41001)
Legal form Private limited company(610)
Incorporation21-09-2023
StatusActive
Postal code3090
Establishment units 1 location
HM TECH
Abstraat 51, 3090 OverijseAlgemene bouw van residentiële gebouwen
since 20232.352.417.571
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23542G0097/00H000 Flanders 60 m² 1 · 60 m² 8.2 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 1 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
06-02-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Loodgieterswerk43221Sanitaire werkzaamheden43221Slopen43110Slopen43110Elektrotechnische installatiewerken aan gebouwen43211Algemene elektrotechnische installatiewerken43211Overige werkzaamheden in verband met de afwerking van gebouwen43350Overige werkzaamheden in verband met de afwerking van gebouwen43390Overige gespecialiseerde bouwactiviteiten, neg43990Restaureren van bouwwerken43995Overige gespecialiseerde bouwwerkzaamheden43999
Primary activity highlighted.
Names & trade names
Legal nameNL HM TECH
Registered office
Abstraat 51
3090 Overijse, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative