HMB
ActiveSummary
HMB is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €8,942 and a net result of €552. Equity is shrinking by ~24.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 12% of 5585 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 5585 sector peers (2025).
NBB · sector comparisonPosition among 5585 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-02-2026, 176 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
176 d early
2024
101 d early
2023
22 d early
2022
42 d early
2021
41 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 76 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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 19 June (4 of the last 5 filed years within 59 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€8,942▲ 6.6%
2024 · €8,390
Net result
€552
2024 · -€105,742
Total assets
€107,577▲ 1.8%
2024 · €105,624
Solvency
8.3%▲ 0.4pp
2024 · 7.9%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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-€1,075--€2,623▼ 144%-€2,748▼ 4.8%-€2,088▲ 24.0%-€2,298▼ 10.1%
Net result-€1,116below the sector's middle half--€2,687below the sector's middle half▼ 141%-€2,065below the sector's middle half▲ 23.2%-€105,742below the sector's middle half▼ 5,021%€552below the sector's middle half
Equity€58,884below the sector's middle half-€116,197below the sector's middle half▲ 97.3%€114,132below the sector's middle half▼ 1.8%€8,390below the sector's middle half▼ 92.6%€8,942below the sector's middle half▲ 6.6%
Total assets€58,908below the sector's middle half-€116,229below the sector's middle half▲ 97.3%€165,185below the sector's middle half▲ 42.1%€105,624below the sector's middle half▼ 36.1%€107,577below the sector's middle half▲ 1.8%
Debt€24-€32▲ 35.0%€51,053▲ 158,156%€97,234▲ 90.5%€98,634▲ 1.4%
Working capital€8,230within the sector's middle half-€2,168within the sector's middle half▼ 73.7%€50,728within the sector's middle half▲ 2,240%€1,995within the sector's middle half▼ 96.1%€3,173within the sector's middle half▲ 59.0%
Solvency100.0%above the sector's middle half-100.0%above the sector's middle half=69.1%within the sector's middle half▼ 30.9pp7.9%below the sector's middle half▼ 61.2pp8.3%below the sector's middle half▲ 0.4pp
Current ratio68.20above the sector's middle half49.16above the sector's middle half▼ 19.041.02within the sector's middle half▼ 48.141.03within the sector's middle half▲ 0.01
Return on assets (ROA)-1.9%below the sector's middle half--2.3%below the sector's middle half▼ 0.4pp-1.3%below the sector's middle half▲ 1.1pp-100.1%below the sector's middle half▼ 98.9pp0.5%within the sector's middle half▲ 100.6pp
Staff (FTE)0within the sector's middle half0within the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2,298 in 2025 against €2,088 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €107,423
Fixed assets
€6,000 =
Current assets
€101,423 ▲ 2.6%
Equity and liabilities €107,577
Equity
€8,942 ▲ 6.6%
Debt
€98,634 ▲ 1.4%
Debt's share of the balance-sheet total falls from 92.1% to 91.7%. Equity and debt are higher.
Key figures and ratios
ROE
6.2%
Debt ≤ 1 year
€98,250▲
2024 · €96,850
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €471 | €625 | €625 | €625 | €625 | = |
| Other operating charges640/8 | €438 | €485 | €821 | €833 | €611 | ▼ 26.6% |
| Gross operating margin9900 | -€166 | -€1,513 | -€1,303 | -€630 | -€1,061 | ▼ 68.4% |
| Operating profit (loss)9901 | -€1,075 | -€2,623 | -€2,748 | -€2,088 | -€2,298 | ▼ 10.1% |
| Financial income75/76B | - | - | €750 | €2,404 | €2,850 | ▲ 18.5% |
| Recurring financial income75 | - | - | €750 | €2,404 | €2,850 | ▲ 18.5% |
| Financial charges65/66B | €41 | €64 | €67 | €106,059 | €0 | ▼ 100% |
| Recurring financial charges65 | €41 | €64 | €67 | €59 | €0 | ▼ 100% |
| Non-recurring financial charges66B | - | - | - | €106,000 | €0 | ▼ 100% |
| Profit (loss) for the period before taxes9903 | -€1,116 | -€2,687 | -€2,065 | -€105,742 | €552 | ▲ 101% |
| Profit (loss) for the period9904 | -€1,116 | -€2,687 | -€2,065 | -€105,742 | €552 | ▲ 101% |
| Profit (loss) for the period to be appropriated9905 | -€1,116 | -€2,687 | -€2,065 | -€105,742 | €552 | ▲ 101% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €58,908 | €116,229 | €165,185 | €105,624 | €107,577 | ▲ 1.8% |
| Formation expenses20 | €2,654 | €2,029 | €1,404 | €779 | €154 | ▼ 80.2% |
| Fixed assets21/28 | €48,000 | €112,000 | €112,000 | €6,000 | €6,000 | = |
| Financial fixed assets28 | €48,000 | €112,000 | €112,000 | €6,000 | €6,000 | = |
| Current assets29/58 | €8,254 | €2,200 | €51,781 | €98,845 | €101,423 | ▲ 2.6% |
| Amounts receivable after more than one year29 | - | - | €50,000 | €95,000 | €95,000 | = |
| Other amounts receivable291 | - | - | €50,000 | €95,000 | €95,000 | = |
| Amounts receivable within one year40/41 | €654 | €136 | €114 | €196 | €419 | ▲ 114% |
| Trade receivables40 | - | - | €100 | €0 | - | - |
| Other amounts receivable41 | €654 | €136 | €14 | €196 | €419 | ▲ 114% |
| Cash at bank and in hand54/58 | €7,599 | €2,064 | €917 | €499 | €4 | ▼ 99.3% |
| Deferred charges and accrued income490/1 | - | - | €750 | €3,150 | €6,000 | ▲ 90.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €58,908 | €116,229 | €165,185 | €105,624 | €107,577 | ▲ 1.8% |
| Equity10/15 | €58,884 | €116,197 | €114,132 | €8,390 | €8,942 | ▲ 6.6% |
| Contributions10/11 | €60,000 | €120,000 | €120,000 | €120,000 | €120,000 | = |
| Profit (loss) carried forward14 | -€1,116 | -€3,803 | -€5,868 | -€111,610 | -€111,058 | ▲ 0.5% |
| Amounts payable17/49 | €24 | €32 | €51,053 | €97,234 | €98,634 | ▲ 1.4% |
| Amounts payable after more than one year17 | - | - | €50,000 | €0 | - | - |
| Financial debts170/4 | - | - | €50,000 | €0 | - | - |
| Amounts payable within one year42/48 | €24 | €32 | €1,053 | €96,850 | €98,250 | ▲ 1.4% |
| Trade debts44 | €24 | €32 | €53 | €100 | €0 | ▼ 100% |
| Suppliers440/4 | €24 | €32 | €53 | €100 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | - | €1,000 | €96,750 | €98,250 | ▲ 1.6% |
| Accrued charges and deferred income492/3 | - | - | - | €384 | €384 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,116 | -€2,687 | -€2,065 | -€105,742 | €552 | ▲ 101% |
| + Depreciation and write-downs630 | €471 | €625 | €625 | €625 | €625 | = |
| Operating cash flow (approximation) | -€645 | -€2,062 | -€1,440 | -€105,117 | €1,177 | ▲ 101% |
| Investment in fixed assets (approximation) | - | -€64,625 | -€625 | €105,375 | -€625 | ▼ 101% |
| Change in cash | - | -€5,536 | -€1,147 | -€418 | -€496 | ▼ 18.6% |
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
05-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €552
Net result €552 after 4 loss-making years.
21-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet -€105,742
Net result drops to -€105,742, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €100,000Eq €116,197 ▲97.3%
Equity rises from €58,884 to €116,197.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated 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, Maaseik · 1 establishment unit since 2021
Ground area
872 m²
Building footprint
133 m²
Volume, LiDAR
549 m³
Parcel 72021D0225/00B000, Flanders · tallest building 5.4 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
HMB
since 20212.315.827.983
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72021D0225/00B000 | Flanders | 872 m² | 1 · 133 m² | 5.4 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 owner · 1 holdingOwners 1
-
33.33%
Holdings 1
-
80%
According to the 2025 annual accounts of HMB and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 4,729 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
Founded06-04-2021
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0766411945
Also
9925:BE0766411945
Registered
24-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.