Debts
€32,196 89% of the balance sheet
Suppliers 47%Taxes and wages 53%
HTM INVEST
Lifetime
8 annual accounts with figures on one time axispeak €60,475 (2024)
€6,609▼ 89.1%
lowest -€13,370 (2025)
-€13,370▼ €26,972
peak €26,798 (2022)
€4,055▼ 76.7%
€32,196▲ 298%
Board2 names since 2018
1 directorMonir Mohamed
Documentsfilings and deeds
18-07-202613 days before the deadline
2025abbreviated format
Gross margin from €60,475 to €6,609Loss of €13,370Equity from €17,425 to €4,055Debts from €8,099 to €32,196Cash from €1,218 to €2,386
Key points
from the 2025 annual accountsFilings
8 annual accounts 6 late
The 2019 accounts came latest: 94 days after the end of the period.
Position in the sector
€4,055
Less equity than 88% of companies in land transport. Sector median €241,747 · 2,421 companies.
Checked score
51
Fair
Financially stronger than 11% of micro companies in land transport (NACE 49)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.1% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 9,092 companies (NACE 49, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.7%
01-2025: 1.7%● unchanged vs 12-2024
02-2025: 1.8%▲ +0.1 percentage points vs 01-2025
03-2025: 1.8%● unchanged vs 02-2025
04-2025: 2.0%▲ +0.2 percentage points vs 03-2025
05-2025: 2.0%● unchanged vs 04-2025
06-2025: 2.0%● unchanged vs 05-2025
07-2025: 2.2%▲ +0.2 percentage points vs 06-2025
08-2025: 2.8%▲ +0.6 percentage points vs 07-2025highest value
09-2025: 1.8%▼ -1.0 percentage point vs 08-2025
10-2025: 1.8%● unchanged vs 09-2025
11-2025: 1.6%▼ -0.2 percentage points vs 10-2025
12-2025: 1.6%● unchanged vs 11-2025
01-2026: 1.5%▼ -0.1 percentage points vs 12-2025
02-2026: 1.5%● unchanged vs 01-2026
03-2026: 1.5%● unchanged vs 02-2026
04-2026: 1.7%▲ +0.2 percentage points vs 03-2026
05-2026: 1.3%▼ -0.4 percentage points vs 04-2026
06-2026: 1.3%● unchanged vs 05-2026lowest value
07-2026: 1.5%▲ +0.2 percentage points vs 06-2026
08-2026: 2.1%▲ +0.6 percentage points vs 07-2026
09-2026: 2.1%● unchanged vs 08-2026
10-2026: 2.1%● unchanged vs 09-2026
11-2026: 2.1%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Sector: Land transport and transport via pipelines (NACE 49)
Loss of €13,370 (financial year 2025)
Equity €4,055 (11.2% of total assets)
lowers risk
Size: total assets €36,251
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 49, micro). It does better than 23% of them on solvency, 9% on liquidity, 6% on profitability and 8% on growth.
The bankruptcy probability was computed on 09-11-2026 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, 1,133 companies had the same profile as HTM INVEST has now. Each dot stands for 3 companies, two years later.
86.4%
were still trading
6.6%
stopped another way
6.4%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of HTM INVEST itself: 2.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 1,133 companies, not a prediction for HTM INVEST. 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
No publishable credit limit, so credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is tight, with a current ratio of 1.13 (3.15 in 2024), below the usual 1.5. Short-term debt is 88.8% and cash 6.6% of total assets. 88.8% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 2418 sector peers (2025).
NBB · sector comparisonPosition among 2418 sector peers
Solvency
better than 17%
← weakest
strongest →
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 18-07-2026, 13 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
13 days early
2024
17 days late
2023
6 days early
2022
22 days late
2021
30 days late
2020
61 days late
2019
94 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 29 days after the deadline. In the sector (NACE 49), the median for financial year 2024 was on the deadline day, and 49% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 17 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0693697181
Company renamed from HTM SPEED to HTM INVEST
General meeting of 20-10-2023 · Gazette deed
Resignation: MONIR Hicham (manager)
General meeting of 30-09-2019 · Gazette deed
Appointment: MONIR Hicham (manager)
General meeting of 01-07-2018 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| HTM INVEST Brussels | €36,251 | €6,609 | 11.2% | - |
| IM'S & IL'S Brussels | €38,728 | €7,629 | 100.0% | - |
| ASKANDR Brussels | €28,420 | €5,235 | 94.2% | - |
| ALLRIDY Brussels | €22,732 | €6,918 | 42.5% | - |
| ESP Services Brussels | €41,038 | €9,429 | 62.6% | - |
| INFINITY TRANS Berchem-Sainte-Agathe | €53,269 | €6,563 | 57.2% | - |
| NYAMAR Brussels | €41,445 | €5,722 | -28.0% | - |
These companies have the same main activity as HTM INVEST: freight transport by road (NACE 49410). They are comparable in size and age: total assets between €22,700 and €53,300, founded between 2015 and 2020.
Official details
Source: KBO- Status
- Active since 28-03-2018Normal situation
- Activity
- Freight transport by roadNACE 49410and 1 other
- Establishment unit
- 2.277.910.3861000 Brussels, since 01-07-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 06-10-2025
Annual accounts 2025
- ≈ €59,000estimated
- €36,251▲ 42.0%
- ≈ 0.5 FTEestimated
- Filing
- Filed on 18-07-2026, 13 days before the end of the filing period
Insights on HTM INVEST
HTM INVEST files the abbreviated format. That format states no turnover. The gross margin fell from €16,306 in 2018 to €6,609 in 2025.
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 HTM INVEST
- What is the company number of HTM INVEST?
- The company number of HTM INVEST is 0693.697.181. The VAT number is the same number with BE in front: BE 0693.697.181.
- Where is HTM INVEST based?
- The registered office is at Voldersstraat 22, 1000 Brussels.Company details
- What does HTM INVEST do?
- According to the KBO register, the main activity is freight transport by road (NACE 49410).
- What is the legal form of HTM INVEST?
- HTM INVEST is a private limited company (BV).
- When was HTM INVEST founded?
- HTM INVEST was founded on 28-03-2018.
- Is HTM INVEST still active?
- Yes, HTM INVEST is an active enterprise in the KBO register.
- What is the turnover of HTM INVEST?
- The turnover in financial year 2025 is ≈ €59,000. This figure is estimated from the gross margin of €6,609 and 86 comparable companies (NACE 49410). It probably lies between €30,000 and €91,000. It is a rough estimate.Financials
- Is HTM INVEST profitable?
- In financial year 2025, HTM INVEST made a loss of €13,370.
- Where can I find the annual accounts of HTM INVEST?
- HTM INVEST filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of HTM INVEST due?
- HTM INVEST must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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