HNM SOLUTIONS
ActiveSummary
HNM SOLUTIONS has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €508k and a net result of €14k. Equity is growing by ~31.6% per year across the filed fiscal years. Its solvency ranks better than 39% of 1416 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▼-51
Solvency51▼-23
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.48 in 2024; short-term debt: 72.4% and cash: 9.1% of total assets), and 74.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 →
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
25.7%
Return on assets
0.7%
Age of the figures
12 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
3 d early
2021
20 d late
2020
on the day
2019
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€14k▼ 88.6%
2024 · €125k
2019: €19k
2020: €73k
2021: €139k
2022: €30k
2023: €101k
2024: €125k
2019 → 2025
Working capital
€365k▲ 45.4%
2024 · €251k
2019: €19k
2020: €93k
2021: €83k
2022: €129k
2023: €239k
2024: €251k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€237k-€267k▲ 12.7%€368k▲ 37.9%€494k▲ 34.0%€508k▲ 2.9%
Operating result€191k-€55k▼ 71.2%€151k▲ 174%€69k▼ 54.2%€-22k
Net result€139k-€30k▼ 78.4%€101k▲ 238%€125k▲ 23.7%€14k▼ 88.6%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €22k after €69k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.97M
Fixed assets
€179k ▼ 26.2%
Current assets
€1.79M ▲ 133%
Equity and liabilities €1.97M
Equity
€508k ▲ 2.9%
Debt
€1.47M ▲ 182%
Debt's share of the balance-sheet total rises from 51.3% to 74.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€11k▼
2024 · €101k
Cash flow
€47k▼
2024 · €157k
Current ratio
1.26▼
2024 · 1.48
Debt to equity
2.89▲
2024 · 1.05
ROE
2.8%▼
2024 · 25.4%
ROA
0.7%▼
2024 · 12.4%
Interest coverage
1.65▼
2024 · 62.78
Debt ≤ 1 year
€1.43M▲
2024 · €519k
Debt > 1 year
€36k
Income taxes
€270▼
2024 · €27k
Staff costs
€1.75M▲
2024 · €1.41M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.01M€1.97M▲
Fixed assets21/28€243k€179k▼
Tangible fixed assets22/27€131k€67k▼
Furniture and vehicles24€130k€66k▼
Other tangible fixed assets26€1k€962▼
Financial fixed assets28€111k€112k▲
Current assets29/58€770k€1.79M▲
Amounts receivable within one year40/41€723k€1.61M▲
Trade receivables40€485k€1.27M▲
Other amounts receivable41€238k€344k▲
Cash at bank and in hand54/58€40k€180k▲
Deferred charges and accrued income490/1€7k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.01M€1.97M▲
Equity10/15€494k€508k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€486k€500k▲
Amounts payable17/49€519k€1.47M▲
Amounts payable after more than one year17-€36k
Financial debts170/4-€36k
Amounts payable within one year42/48€519k€1.43M▲
Current portion of amounts payable after more than one year42€26k€71k▲
Trade debts44€161k€834k▲
Suppliers440/4€161k€834k▲
Advances received on contracts in progress46€18k€19k▲
Taxes, remuneration and social security45€288k€448k▲
Taxes450/3€145k€219k▲
Remuneration and social security454/9€144k€229k▲
Other amounts payable47/48€27k€58k▲
Income statement
Code20242025
Remuneration, social security and pensions62€1.41M€1.75M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€33k▲
Other operating charges640/8€384€78k▲
Non-recurring operating charges66A€5k€0▼
Gross operating margin9900€1.52M€1.84M▲
Operating profit (loss)9901€69k€-22k▼
Financial income75/76B€85k€43k▼
Recurring financial income75€85k€43k▼
Financial charges65/66B€2k€6k▲
Recurring financial charges65€2k€6k▲
Profit (loss) for the period before taxes9903€152k€15k▼
Income taxes67/77€27k€270▼
Profit (loss) for the period9904€125k€14k▼
Profit (loss) for the period to be appropriated9905€125k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€486k€500k▲
Profit (loss) brought forward from the previous period14P€360k€486k▲
Social balance
Average headcount (FTE)9087-23.8
The notes to these accounts (18 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-09
Financial
Weakest financial yearnet €14k ▼88.6%
Net result drops to €14k, the lowest in the series.
30-09
Financial
Equity above €500kEq €508k ▲2.9%
7 profitable years in a row build equity to €508k.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 20 days late
2021
30-09
Financial
Highest result since 2019net €139k ▲89.5%
Operating result €191k, net result €139k, both a record.
30-09
Financial
Equity above €200kEq €237k ▲142%
3 profitable years in a row build equity to €237k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Brussel · 1 establishment unit since 2018
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.
Handelsstraat 1241000 BrusselGround area
231 m²
Building footprint
145 m²
Volume, LiDAR
3,003 m³
Parcel 21805E0143/00D000, Brussels · tallest building 24.5 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Handelsstraat 124, 1000 Brussel
since 20182.279.018.067
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21805E0143/00D000 | Brussels | 231 m² | 1 · 145 m² | 24.5 m · 7 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.
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My EV-PLATFORM
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Jette · Eq €506,508
Of 16,884 companies in sector 62100 we hold annual accounts for 8,775. 5,455 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-05-2018
Fiscal year end30-09
Activities, NACEBEL 2025
62100Computer programming
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.