HMC-IT
ActiveHMC-IT has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €23k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 22% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+87
Solvency46▼-17
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.17 against 1.43 in 2024; short-term debt: 78.6% and cash: 22.1% of total assets), and 78.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
21.4%
Return on assets
41%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 17022 sector peers (2025).
NBB · sector comparisonPosition among 17022 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
on the day
2022
30 d late
2021
on the day
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k=
2024 · €12k
2021: €12k
2022: €6k
2023: €17k
2024: €12k
2021 → 2025
Total assets
€55k▲ 75.4%
2024 · €32k
2021: €59k
2022: €37k
2023: €45k
2024: €32k
2021 → 2025
Net result
€23k
2024 · €-5k
2021: €7k
2022: €-6k
2023: €11k
2024: €-5k
2021 → 2025
Working capital
€7k▼ 12.7%
2024 · €8k
2021: €3k
2022: €1k
2023: €15k
2024: €8k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€6k▼ 52.5%€17k▲ 198%€12k▼ 28.1%€12k=
Operating result€12k-€-4k€16k€-1k€26k
Net result€7k-€-6k€11k€-5k€23k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €26k after a loss of €1k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55k
Fixed assets
€5k▲ 30.7%
Current assets
€51k▲ 80.9%
Equity and liabilities €55k
Equity
€12k=
Debt
€44k▲ 121%
The debt ratio rises from 62.4% to 78.6%. Debt is higher.
Key figures and ratios
EBITDA
€28k▲
2024 · €304
Cash flow
€24k▲
2024 · €-3k
Solvency
21.4%▼
2024 · 37.6%
Current ratio
1.17▼
2024 · 1.43
Quick ratio
0.96▼
2024 · 0.97
Debt / equity
3.67▲
2024 · 1.66
ROE
191.2%▲
2024 · -39.1%
ROA
41.0%▲
2024 · -14.7%
Interest coverage
104.40▲
2024 · 1.53
Debt
€44k▲
2024 · €20k
Debt ≤ 1 year
€44k▲
2024 · €20k
Income taxes
€4k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€32k€55k▲
Fixed assets21/28€3k€5k▲
Tangible fixed assets22/27€3k€5k▲
Furniture and vehicles24€3k€5k▲
Current assets29/58€28k€51k▲
Stocks and contracts in progress3€9k€9k=
Stocks30/36€9k€9k=
Amounts receivable within one year40/41€4k€30k▲
Trade receivables40€4k€20k▲
Other amounts receivable41-€10k
Cash at bank and in hand54/58€15k€12k▼
Equity and liabilities
Total equity and liabilities10/49€32k€55k▲
Equity10/15€12k€12k=
Contributions10/11€5k€5k=
Capital10€5k-
Issued capital100€5k-
Profit (loss) carried forward14€7k€7k=
Amounts payable17/49€20k€44k▲
Amounts payable within one year42/48€20k€44k▲
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€16k€18k▲
Taxes450/3€16k€17k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€1k€23k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€6k€3k▼
Gross operating margin9900€6k€30k▲
Operating profit (loss)9901€-1k€26k▲
Financial income75/76B€0€200▲
Recurring financial income75€0€200▲
Financial charges65/66B€198€266▲
Recurring financial charges65€198€266▲
Profit (loss) for the period before taxes9903€-2k€26k▲
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€-5k€23k▲
Profit (loss) for the period to be appropriated9905€-5k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€30k▲
Profit (loss) brought forward from the previous period14P€12k€7k▼
Profit to be distributed694/7-€23k
Return on contributions (dividend)694-€3k
Directors or managers695-€20k
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-6k ▼192%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sint-Pieters-Woluwe · 2 establishment units since 2020
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.
Atlantische Oceaanlaan 1201150 Sint-Pieters-WoluweGround area
490 m²
Building footprint
250 m²
Volume, LiDAR
1,725 m³
3 parcels, Brussels, Flanders · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
HMC-IT
since 20202.299.729.745
HMC-IT
since 20202.299.729.844
3 parcels
Flanders
1
(33.3%)
Brussels
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21684B0038/00N017 | Brussels | 167 m² | 1 · 108 m² | 12.8 m · 3 fl. |
| 21372D0156/00S000 | Brussels | 165 m² | 1 · 82 m² | 13.2 m · 3 fl. |
| 23094A0083/00F000 | Flanders | 158 m² | 1 · 60 m² | 8.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 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 30,000 companies in sector 62200 we hold annual accounts for 18,394. 10,419 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-02-2020
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.