Turnover
≈ €190,000 estimated
The micro format states no turnover.
HRML
Lifetime
1 annual account with figurespeak €18,639 (2025)
€18,639
peak €10,476 (2025)
€10,476
peak €12,976 (2025)
€12,976
€83,551
Board3 names since 2025
3 directorsFILECCIA Loris and 2 others
Documentsfilings and deeds
30-09-202661 days late
2025micro format
Incorporation 15-091 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsDebts
€83,551 87% of the balance sheet
Financial debts 55%Suppliers 11%Taxes and wages 10%Other 25%
Of this, €27,992 falls due within a year.
Starting capital
€2,500 1,000 shares
2025 accounts filed 61 days after the deadline
Checked score
51
Fair
Financially stronger than 62% of micro companies in food and beverage service (NACE 56)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.4% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,791 companies (NACE 56, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Financial strengthStrong
Score breakdown
raises risk
Sector: Food and beverage service activities (NACE 56)
Founded in 2025
Last filed accounts filed 61 days late; 1 of the last 3 accounts late
lowers risk
Liquidity: current ratio 1.38, cash €30,076
Calculation
The band follows from the bankruptcy probability. 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 56, micro). It does better than 36% of them on solvency, 80% on liquidity and 69% on profitability.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,390 companies had the same profile as HRML has now. Each dot stands for 6 companies, two years later.
96.6%
were still trading
2.0%
stopped another way
1.2%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of HRML itself is higher: 3.4% within 12 months. It rests on far more data about HRML than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,390 companies, not a prediction for HRML. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.38, below the usual 1.5. Short-term debt is 29% and cash 31.2% of total assets. 86.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
61 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- JADIN Gabriel, Etienne, Hugo, Yvon, Ghislain 308 sharesdeed of 15-09-2025
- FILECCIA Loris 309 sharesdeed of 15-09-2025
- TANCHE Mathys 308 sharesdeed of 15-09-2025
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1027523374
Incorporation
Founding capital of €2,500, 1,000 shares · Founders: JADIN Gabriel, Etienne, Hugo, Yvon, Ghislain; FILECCIA Loris; TANCHE Mathys · Appointments: FILECCIA Loris; TANCHE Mathys and JADIN Gabriel, Etienne, Hugo, Yvon, Ghislain · published on 15-09-2025 · Gazette deed
First establishment
La bibliothèque, Grand'Place 36, Saint-Ghislain
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| HRML Saint-Ghislain | €96,528 | €18,639 | 13.4% | - |
| AROM Flémalle | €88,984 | €15,769 | 3.5% | - |
| MOERMEEUW Bruges | €85,436 | €23,244 | 22.4% | - |
| Tweestrijd Mol | €93,914 | €20,562 | 14.6% | - |
| JOVEBM Asse | €75,897 | €20,919 | 8.9% | - |
| Bertem Blok Bertem | €117,120 | €23,456 | 4.5% | - |
| AZOR CAFE Fleurus | €67,971 | €16,550 | 19.5% | - |
These companies have the same main activity as HRML: cafés and bars (NACE 56301). They are comparable in size and age: total assets between €68,000 and €117,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 11-09-2025Normal situation
- Activity
- Cafés and barsNACE 56301and 1 other
- Establishment unit
- 2.378.514.7297330 Saint-Ghislain, since 11-09-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 30-12-2025
Insights on HRML
The computed 12-month bankruptcy probability of HRML is 3.4% (moderate). The 2025 annual accounts show equity of €12,976 and a net result of €10,476.
Its solvency ranks better than 36% of 17,162 sector peers (NACE 56, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about HRML
- What is the company number of HRML?
- The company number of HRML is 1027.523.374. The VAT number is the same number with BE in front: BE 1027.523.374.
- Where is HRML based?
- The registered office is at Grand'Place 36, 7330 Saint-Ghislain.Company details
- What does HRML do?
- According to the KBO register, the main activity is cafés and bars (NACE 56301).
- What is the legal form of HRML?
- HRML is a private limited company (BV).
- When was HRML founded?
- HRML was founded on 11-09-2025.
- Is HRML still active?
- Yes, HRML is an active enterprise in the KBO register.
- How many employees does HRML have?
- HRML had an average of 3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of HRML?
- The turnover in financial year 2025 is ≈ €190,000. This figure is estimated from the gross margin of €18,639 and 100 comparable companies (NACE 56301). It probably lies between €94,000 and €420,000. It is a rough estimate.
- Is HRML profitable?
- In financial year 2025, HRML made a profit of €10,476.
- Where can I find the annual accounts of HRML?
- HRML filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
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