HRMvoorKMO
ActiveHRMvoorKMO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €52k. Equity is growing by ~59.7% per year across the filed fiscal years. Its solvency ranks better than 36% of 6974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency61▲+29
Growth78=
Track record94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 0.89 in 2024; short-term debt: 52.6% and cash: 49.2% of total assets), and 64.1% 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
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
35.9%
Return on assets
45.1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-05-2026, 63 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
63 d early
2024
2 d early
2023
23 d late
2022
28 d late
2021
25 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▲ 264%
2024 · €11k
2021: €5k
2022: €11k
2023: €44k
2024: €11k
2021 → 2025
Total assets
€115k▼ 27.5%
2024 · €158k
2021: €138k
2022: €82k
2023: €99k
2024: €158k
2021 → 2025
Net result
€52k▼ 8.6%
2024 · €57k
2021: €-5k
2022: €6k
2023: €33k
2024: €57k
2021 → 2025
Working capital
€13k
2024 · €-13k
2021: €-23k
2022: €-11k
2023: €22k
2024: €-13k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€11k▲ 107%€44k▲ 291%€11k▼ 74.4%€41k▲ 264%
Operating result€-6k-€8k€40k▲ 373%€72k▲ 81.5%€67k▼ 7.7%
Net result€-5k-€6k€33k▲ 462%€57k▲ 72.5%€52k▼ 8.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €115k
Fixed assets
€42k▼ 27.0%
Current assets
€73k▼ 27.8%
Equity and liabilities €115k
Equity
€41k▲ 264%
Debt
€74k▼ 49.9%
The debt ratio falls from 92.9% to 64.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€88k▲
2024 · €87k
Cash flow
€73k▲
2024 · €72k
Solvency
35.9%▲
2024 · 7.1%
Current ratio
1.21▲
2024 · 0.89
Quick ratio
1.21▲
2024 · 0.89
Debt / equity
1.79▼
2024 · 13.00
ROE
125.8%▼
2024 · 501.0%
ROA
45.1%▲
2024 · 35.8%
Interest coverage
83.40▼
2024 · 156.07
Debt
€74k▼
2024 · €147k
Debt ≤ 1 year
€60k▼
2024 · €115k
Debt > 1 year
€13k▼
2024 · €29k
Income taxes
€18k▲
2024 · €15k
Staff costs
€2k▼
2024 · €2k
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€158k€115k▼
Fixed assets21/28€57k€42k▼
Intangible fixed assets21€990€664▼
Tangible fixed assets22/27€56k€41k▼
Plant, machinery and equipment23€236€595▲
Furniture and vehicles24€55k€40k▼
Financial fixed assets28€300€300=
Current assets29/58€102k€73k▼
Amounts receivable within one year40/41€27k€16k▼
Trade receivables40€22k€16k▼
Other amounts receivable41€5k-
Cash at bank and in hand54/58€75k€57k▼
Deferred charges and accrued income490/1€54€719▲
Equity and liabilities
Total equity and liabilities10/49€158k€115k▼
Equity10/15€11k€41k▲
Contributions10/11€10k€10k=
Reserves13€1k€31k▲
Distributable reserves133€1k€31k▲
Amounts payable17/49€147k€74k▼
Amounts payable after more than one year17€29k€13k▼
Financial debts170/4€29k€13k▼
Amounts payable within one year42/48€115k€60k▼
Current portion of amounts payable after more than one year42€15k€16k▲
Trade debts44€2k€661▼
Suppliers440/4€2k€661▼
Taxes, remuneration and social security45€160€11k▲
Taxes450/3€160€8k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€97k€33k▼
Accrued charges and deferred income492/3€4k-
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€21k▲
Other operating charges640/8€590€432▼
Gross operating margin9900€90k€90k▲
Operating profit (loss)9901€72k€67k▼
Financial income75/76B-€4k
Recurring financial income75-€4k
Non-recurring financial income76B-€4k
Financial charges65/66B€558€1k▲
Recurring financial charges65€558€1k▲
Profit (loss) for the period before taxes9903€72k€69k▼
Income taxes67/77€15k€18k▲
Profit (loss) for the period9904€57k€52k▼
Profit (loss) for the period to be appropriated9905€57k€52k▼
Appropriation of the result
Profit (loss) to be appropriated9906€57k€52k▼
Transfer from equity791/2€33k-
Transfer to equity691/2-€30k
To other reserves6921-€30k
Profit to be distributed694/7€90k€22k▼
Return on contributions (dividend)694€90k€22k▼
The notes to these accounts (10 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
09-02
State Gazette act
Board meeting · Power of attorney
Director resignation · Director discharge
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €57k ▲72.5%
Operating result €72k, net result €57k, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 1.61
Current ratio from 0.73 to 1.61; short-term debt falls from €41k to €36k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Hasselt · 1 establishment unit since 2021
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.
Omstraat 123720 HasseltGround area
7,160 m²
Building footprint
246 m²
Volume, LiDAR
1,091 m³
Parcel 73040C0628/00T000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HRMvoorKMO
since 20212.312.429.124
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73040C0628/00T000 | Flanders | 7,160 m² | 1 · 246 m² | 7.1 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,047 EUR awarded · 1,047 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,047 EUR | 1,047 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 13,426 companies in sector 73300 we hold annual accounts for 6,900. 5,395 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-01-2021
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
78100Employment placement agencies
78200Temporary employment agencies and other provision of personnel
78300Employment activities
82990Other business support services
85599Other education
86904Human health activities
86931Psychology services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.