Financials
- Financial year
- 2025
- Total assets
- €23,402
- Profit
- €13,053
- Solvency
- 64.3%
HMD CONSULTING
ActiveSummary
HMD CONSULTING has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15,053 and a net result of €13,053. Its solvency ranks better than 76% of 22,195 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Overview
Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811
1 site
Size
€23,402total assets 2025
- Equity
- €15,053
- Profit
- €13,053
Turnover not published (micro format)
Structure
Accounts filed 44 days late0 of 1 deed read
Why 67raises riskSize: total assets €23,402Founded in 2025Latest accounts 44 days late; 1 of the last 3 latelowers riskLiquidity: current ratio 2.96, cash €5,142Show the evidence
Checked score
Score 2025
67
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 80% of its sector peers (NACE 47, micro)
Financial strength
Strong
Solvency
89
equity 64.3% of total assets
Liquidity
63
short-term debt 33.8% · cash 22.0%
Profitability
100
return on assets 55.8%
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
03-2026: 1.9%
04-2026: 1.9%● unchanged vs 03-2026
05-2026: 2.0%▲ +0.1 percentage points vs 04-2026
06-2026: 2.4%▲ +0.4 percentage points vs 05-2026
07-2026: 2.4%● unchanged vs 06-2026
08-2026: 2.7%▲ +0.3 percentage points vs 07-2026
09-2026: 3.0%▲ +0.3 percentage points vs 08-2026highest value
10-2026: 1.3%▼ -1.7 percentage points vs 09-2026lowest value
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity ample (current ratio 2.96; short-term debt: 33.8% and cash: 22% of total assets), and 35.7% of the assets are financed with debt.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 76% on solvency, 69% on liquidity and 96% on profitability.
The bankruptcy probability was computed on 08-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Five signals.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-09-2026, 44 days later. For context: 47% of Belgian companies file late, and of those that file 1 to 90 days late, 2.0% are now in a legal situation other than normal in the KBO (such as bankruptcy, liquidation or dissolution), against 1.66% of all filers. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
44 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail sale of cars and light vans (up…NACE 47811
- Founded
- 12-02-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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