HMWR Trading
ActiveThe computed 12-month bankruptcy probability of HMWR Trading is 2.2% (moderate). The 2024 annual accounts show equity of €5k and a net result of €3k. Its solvency ranks better than 24% of 26048 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability42
Solvency27
Growth-
Track record67
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
1.7%
Return on assets
1%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 26048 sector peers (2024).
NBB · sector comparisonPosition among 26048 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 1 filingDeviation from the deadline
2024
61 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€5k
Total assets
€279k
Net result
€3k
Working capital
€12k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €279k
Fixed assets
€250k
Current assets
€29k
Equity and liabilities €279k
Equity
€5k
Debt
€275k
Debt finances 98.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€7k
Cash flow
€5k
Solvency
1.7%
Current ratio
1.69
Quick ratio
1.64
Debt / equity
58.67
ROE
57.3%
ROA
1.0%
Interest coverage
2.64
Debt
€275k
Debt ≤ 1 year
€17k
Debt > 1 year
€257k
Income taxes
€894
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€279k
Fixed assets21/28€250k
Tangible fixed assets22/27€250k
Land and buildings22€250k
Current assets29/58€29k
Stocks and contracts in progress3€875
Stocks30/36€875
Amounts receivable within one year40/41€11k
Trade receivables40€6k
Other amounts receivable41€4k
Cash at bank and in hand54/58€18k
Equity and liabilities
Total equity and liabilities10/49€279k
Equity10/15€5k
Contributions10/11€2k
Profit (loss) carried forward14€3k
Amounts payable17/49€275k
Amounts payable after more than one year17€257k
Financial debts170/4€142k
Other amounts payable178/9€115k
Amounts payable within one year42/48€17k
Current portion of amounts payable after more than one year42€7k
Trade debts44€8k
Suppliers440/4€8k
Taxes, remuneration and social security45€941
Taxes450/3€941
Other amounts payable47/48€1k
Accrued charges and deferred income492/3€9
Income statement
Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k
Other operating charges640/8€621
Gross operating margin9900€8k
Operating profit (loss)9901€6k
Financial income75/76B€884
Recurring financial income75€884
Financial charges65/66B€3k
Recurring financial charges65€3k
Profit (loss) for the period before taxes9903€4k
Income taxes67/77€894
Profit (loss) for the period9904€3k
Profit (loss) for the period to be appropriated9905€3k
Appropriation of the result
Profit (loss) to be appropriated9906€3k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
NBB filing
Directors · office · real estate
Directors
2 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, Tessenderlo-Ham · 1 establishment unit since 2023
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.
Diesterstraat (C) 263980 Tessenderlo-HamGround area
215 m²
Building footprint
128 m²
Volume, LiDAR
712 m³
Parcel 71057A0841/00H000, Flanders · tallest building 12.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HMWR Trading
since 20232.353.061.533
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71057A0841/00H000 | Flanders | 215 m² | 1 · 128 m² | 12.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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BE 0791.164.068
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JUST ADD MUSTARD
BE 0535.963.897
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OMS DRIVER
BE 1009.731.297
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Of 12,962 companies in sector 47120 we hold annual accounts for 2,187. 963 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-11-2023
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.