Summary
HUMA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.1m and a net result of €281,239. Equity is growing by about 19% per year across the filed financial years. Its solvency ranks better than 61% of 3,022 sector peers (NACE 64, financial year 2025). The company has been active since 1996 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Activities of holding companies
NACE 64210
6th oldest company in Londerzeel, Finance and insurance sector1 site
Size
≈ €540,000turnover 2025, estimated
- Equity
- €1.1m
- Profit
- €281,239
Turnover estimated from the gross margin
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
2025 accounts 31 days early6 deeds in the Belgian Official Gazette
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
1 signal.
neutral
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 days early
2024
57 days early
2023
19 days early
2022
3 days early
2021
16 days early
2020
1 day early
2019
1 day early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 18 days before the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% 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 13 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
30-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · full…
- Liquidity doublescurrent ratio 6.36
- Equity above €1mequity €1.1m ▲24%
Financials · financial year 2025, full format
In the rankings
#6 oldest company in Londerzeel, Finance and insurance sector#9 company by equity in Londerzeel, Finance and insurance sector
Equity
€1.1m▲ 24.0%
2024 · €912,928
Net result
€281,239▼ 3.7%
2024 · €292,167
Total assets
€1.5m▲ 6.2%
2024 · €1.5m
Solvency
73.1%▲ 10.5pp
2024 · 62.6%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result falls in 2025; 2025 is 4% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€0.4m
2025
Net result€0.3m
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€1.5m
2025
Equity€1.1m
2025
Debt€0.4m
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€0.6m
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)18.2%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency73.1%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio6.36
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€0.06m-€0.06m▲ 6.8%€0.06m▼ 3.0%€0.03m▼ 49.2%€0.3m▲ 927%€0.3m▼ 0.3%€0.4m▲ 22.1%€0.4m▼ 3.8%
Net result€0.04m-€0.04m▲ 6.6%€0.04mwithin the sector's middle half▲ 3.9%€0.02mwithin the sector's middle half▼ 50.1%€0.2mabove the sector's middle half▲ 932%€0.2mabove the sector's middle half▲ 2.0%€0.3mabove the sector's middle half▲ 35.1%€0.3mwithin the sector's middle half▼ 3.7%
Equity€0.3m-€0.4m▲ 11.6%€0.4mwithin the sector's middle half▲ 10.8%€0.4mwithin the sector's middle half▼ 15.0%€0.5mwithin the sector's middle half▲ 34.1%€0.7mwithin the sector's middle half▲ 37.2%€0.9mwithin the sector's middle half▲ 38.2%€1.1mwithin the sector's middle half▲ 24.0%
Total assets€0.4m-€0.4m▲ 10.3%€0.4mbelow the sector's middle half▲ 11.5%€1.0mwithin the sector's middle half▲ 142%€1.2mwithin the sector's middle half▲ 13.9%€1.3mwithin the sector's middle half▲ 5.8%€1.5mwithin the sector's middle half▲ 15.4%€1.5mbelow the sector's middle half▲ 6.2%
Debt€0.01m-€0.007m▼ 33.0%€0.01m▲ 54.4%€0.7m▲ 68×€0.7m▲ 3.4%€0.6m▼ 15.4%€0.5m▼ 9.6%€0.4m▼ 23.7%
Working capital€0.3m-€0.3m▲ 16.2%€0.4mabove the sector's middle half▲ 14.5%€0.03mwithin the sector's middle half▼ 91.9%€0.1mwithin the sector's middle half▲ 296%€0.3mwithin the sector's middle half▲ 124%€0.4mabove the sector's middle half▲ 47.4%€0.6mwithin the sector's middle half▲ 53.2%
Solvency97.2%-98.3%▲ 1.1pp97.6%above the sector's middle half▼ 0.7pp34.3%within the sector's middle half▼ 63.4pp40.3%within the sector's middle half▲ 6.1pp52.3%within the sector's middle half▲ 12.0pp62.6%within the sector's middle half▲ 10.3pp73.1%within the sector's middle half▲ 10.5pp
Current ratio28.29-48.37▲ 20.0836.13above the sector's middle half▼ 12.241.20within the sector's middle half▼ 34.931.50within the sector's middle half▲ 0.302.45within the sector's middle half▲ 0.953.13within the sector's middle half▲ 0.676.36above the sector's middle half▲ 3.24
Return on assets (ROA)10.6%-10.2%▼ 0.4pp9.5%within the sector's middle half▼ 0.7pp2.0%within the sector's middle half▼ 7.6pp17.8%above the sector's middle half▲ 15.8pp17.1%above the sector's middle half▼ 0.6pp20.0%above the sector's middle half▲ 2.9pp18.2%above the sector's middle half▼ 1.9pp
above
within
below
the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.5m
Fixed assets
€862,919 ▼ 4.5%
Current assets
€685,213 ▲ 23.6%
Equity and liabilities €1.5m
Equity
€1.1m ▲ 24.0%
Debt
€415,675 ▼ 23.7%
Debt's share of the balance-sheet total falls from 37.4% to 26.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
24.8%▼
2024 · 32.0%
Debt ≤ 1 year
€107,696▼
2024 · €177,334
Debt > 1 year
€307,979▼
2024 · €367,633
Income taxes
€94,675▼
2024 · €98,411
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,067 | €4,067 | €4,067 | €32,311 | €20,832 | €20,832 | €35,594 | €40,683 | ▲ 14.3% |
| Other operating charges640/8 | - | - | - | €4,421 | €5,045 | €6,028 | €8,315 | €7,385 | ▼ 11.2% |
| Gross operating margin9900 | €65,945 | €69,986 | €68,163 | €67,387 | €340,625 | €340,610 | €426,866 | €416,522 | ▼ 2.4% |
| Operating profit (loss)9901 | €58,287 | €62,262 | €60,401 | €30,656 | €314,748 | €313,749 | €382,957 | €368,455 | ▼ 3.8% |
| Financial income75/76B | - | - | - | - | - | €4,621 | €12,565 | €12,468 | ▼ 0.8% |
| Recurring financial income75 | €257 | - | - | - | - | €4,621 | €12,565 | €12,468 | ▼ 0.8% |
| Financial charges65/66B | - | - | - | €83 | €6,919 | €5,558 | €4,944 | €5,009 | ▲ 1.3% |
| Recurring financial charges65 | €21 | €393 | €21 | €83 | €6,919 | €5,558 | €4,944 | €5,009 | ▲ 1.3% |
| Profit (loss) for the period before taxes9903 | €58,522 | €61,869 | €60,380 | €30,573 | €307,829 | €312,813 | €390,578 | €375,914 | ▼ 3.8% |
| Income taxes67/77 | €21,338 | €22,232 | €19,192 | €10,037 | €95,831 | €96,621 | €98,411 | €94,675 | ▼ 3.8% |
| Profit (loss) for the period9904 | €37,184 | €39,636 | €41,189 | €20,536 | €211,998 | €216,192 | €292,167 | €281,239 | ▼ 3.7% |
| Profit (loss) for the period to be appropriated9905 | €37,184 | €39,636 | €41,189 | €20,536 | €211,998 | €216,192 | €292,167 | €281,239 | ▼ 3.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €0.4m | €0.4m | €0.4m | €1.0m | €1.2m | €1.3m | €1.5m | €1.5m | ▲ 6.2% |
| Fixed assets21/28 | €0.07m | €0.07m | €0.06m | €0.9m | €0.9m | €0.8m | €0.9m | €0.9m | ▼ 4.5% |
| Tangible fixed assets22/27 | €0.07m | €0.07m | €0.06m | €0.9m | €0.9m | €0.8m | €0.9m | €0.9m | ▼ 4.5% |
| Land and buildings22 | - | - | - | €0.9m | €0.9m | €0.8m | €0.8m | €0.8m | ▼ 2.4% |
| Furniture and vehicles24 | - | - | - | - | - | - | €0.09m | €0.07m | ▼ 23.3% |
| Current assets29/58 | €0.3m | €0.3m | €0.4m | €0.2m | €0.3m | €0.4m | €0.6m | €0.7m | ▲ 23.6% |
| Amounts receivable within one year40/41 | €0.003m | €0.004m | €0.005m | €0.01m | €0.01m | €0 | €0.005m | €0.2m | ▲ 30× |
| Trade receivables40 | - | - | - | - | - | - | €0.001m | €0 | ▼ 100% |
| Other amounts receivable41 | - | - | - | €0.01m | €0.01m | €0 | €0.005m | €0.2m | ▲ 36× |
| Current investments50/53 | €0.001m | €0.001m | €0.001m | €0.001m | - | - | €225 | €226 | ▲ 0.4% |
| Cash at bank and in hand54/58 | €0.3m | €0.3m | €0.4m | €0.2m | €0.3m | €0.4m | €0.5m | €0.5m | ▼ 4.4% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €0.4m | €0.4m | €0.4m | €1.0m | €1.2m | €1.3m | €1.5m | €1.5m | ▲ 6.2% |
| Equity10/15 | €0.3m | €0.4m | €0.4m | €0.4m | €0.5m | €0.7m | €0.9m | €1.1m | ▲ 24.0% |
| Contributions10/11 | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | = |
| Capital10 | - | - | - | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | = |
| Issued capital100 | - | - | - | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | = |
| Reserves13 | €0.2m | €0.3m | €0.3m | €0.2m | €0.4m | €0.5m | €0.8m | €1.0m | ▲ 27.6% |
| Non-distributable reserves130/1 | - | - | - | €0.02m | €0.01m | €0.01m | €0.01m | €0.01m | = |
| Legal reserve130 | - | - | - | €0.02m | €0.01m | €0.01m | €0.01m | €0.01m | = |
| Distributable reserves133 | - | - | - | €0.2m | €0.4m | €0.5m | €0.8m | €1.0m | ▲ 28.0% |
| Profit (loss) carried forward14 | - | - | - | - | - | €0 | €0 | €0 | - |
| Amounts payable17/49 | €0.01m | €0.007m | €0.01m | €0.7m | €0.7m | €0.6m | €0.5m | €0.4m | ▼ 23.7% |
| Amounts payable after more than one year17 | - | - | - | €0.5m | €0.5m | €0.4m | €0.4m | €0.3m | ▼ 16.2% |
| Financial debts170/4 | - | - | - | €0.5m | €0.5m | €0.4m | €0.4m | €0.3m | ▼ 16.2% |
| Amounts payable within one year42/48 | €0.01m | €0.007m | €0.01m | €0.1m | €0.2m | €0.2m | €0.2m | €0.1m | ▼ 39.3% |
| Current portion of amounts payable after more than one year42 | - | - | - | €0.06m | €0.06m | €0.06m | €0.06m | €0.06m | ▲ 1.1% |
| Trade debts44 | €0.001m | €0.001m | €0.001m | €0.001m | €0.001m | €0.002m | €0.006m | €0.02m | ▲ 167% |
| Suppliers440/4 | - | - | - | €0.001m | €0.001m | €0.002m | €0.006m | €0.02m | ▲ 167% |
| Taxes, remuneration and social security45 | - | - | - | €0.002m | €0.06m | €0.06m | €0.06m | €0.03m | ▼ 49.6% |
| Taxes450/3 | - | - | - | €0.002m | €0.06m | €0.06m | €0.06m | €0.03m | ▼ 49.4% |
| Remuneration and social security454/9 | - | - | - | - | - | - | €178 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | - | - | €0.09m | €0.1m | €0.05m | €0.05m | €196 | ▼ 99.6% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €37,184 | €39,636 | €41,189 | €20,536 | €211,998 | €216,192 | €292,167 | €281,239 | ▼ 3.7% |
| + Depreciation and write-downs630 | €4,067 | €4,067 | €4,067 | €32,311 | €20,832 | €20,832 | €35,594 | €40,683 | ▲ 14.3% |
| Operating cash flow (approximation) | €41,251 | €43,703 | €45,256 | €52,846 | €232,830 | €237,024 | €327,761 | €321,922 | ▼ 1.8% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€840,947 | €0 | €0 | -€107,835 | €0 | - |
| Change in cash | - | €39,492 | €47,647 | -€200,702 | €169,872 | €100,270 | €117,164 | -€24,413 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 29 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | full format | 30-06-2026 | 2026-00227088 |
| 31-12-2024 | abbreviated format | 04-06-2025 | 2025-00120852 |
| 31-12-2023 | abbreviated format | 12-07-2024 | 2024-00245620 |
| 31-12-2022 | abbreviated format | 28-07-2023 | 2023-00300242 |
| 31-12-2021 | abbreviated format | 15-07-2022 | 2022-20197154 |
| 31-12-2020 | abbreviated format | 30-07-2021 | 2021-44300291 |
| 31-12-2019 | abbreviated format | 30-07-2020 | 2020-37200014 |
| 31-12-2018 | abbreviated format | 05-08-2019 | 2019-43900278 |
| 31-12-2017 | abbreviated format | 23-07-2018 | 2018-36600477 |
| 31-12-2016 | abbreviated format | 26-07-2017 | 2017-36400582 |
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Of the 24,455 active companies whose main activity is activities of holding companies (NACE 64210), figures are known for 20,124. 12,456 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
No directors read yet: 0 of 6 Gazette acts processed. See the directors and other office holders in the KBO →
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
financial year 2025 · full format
2025
31-12
Financial
Liquidity doublescurrent ratio 6.36
Current ratio from 3.13 to 6.36; short-term debt falls from €177,334 to €107,696.
31-12
Financial
Equity above €1mequity €1.1m ▲24%
A profit in every financial year since 2018 builds equity to €1.1m.
04-06
NBB filing
Annual accounts filed
financial year 2024 · abbreviated format
2024
31-12
Financial
Highest result from 2018 to 2025net €292,167 ▲35.1%
Operating result €382,957, net result €292,167, both a record.
12-07
NBB filing
Annual accounts filed
financial year 2023 · abbreviated format
2023
31-12
Financial
Equity above €500,000equity €660,391 ▲37.2%
A profit in every financial year since 2018 builds equity to €660,391.
28-07
NBB filing
Annual accounts filed
financial year 2022 · abbreviated format
2022
15-07
NBB filing
Annual accounts filed
financial year 2021 · abbreviated format
2021
31-12
Financial
Weakest financial yearnet €20,536 ▼50.1%
Net result drops to €20,536, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
financial year 2020 · abbreviated format
2020
30-07
NBB filing
Annual accounts filed
financial year 2019 · abbreviated format
Show earlier events
2019
05-08
NBB filing
Annual accounts filed
financial year 2018 · abbreviated format · 5 days late
2018
23-07
NBB filing
Annual accounts filed
financial year 2017 · abbreviated format
2017
26-07
NBB filing
Annual accounts filed
financial year 2016 · abbreviated format
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 29 annual accounts filed, the latest 10 are here; all 29 are under Financials.
0 of 6 deeds read
About the unread acts
We know of 6 Belgian Official Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Register details
Identification
Legal formPublic limited company
Founded16-07-1996
Financial year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0458507221
Registered
21-10-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Londerzeel · 1 establishment unit since 1996
Ground area
9,895 m²
Building footprint
408 m²
Building volume
2,490 m³
Parcel 23045C0277/00G000, Flanders · tallest building 9.0 m. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Breendonkstraat 5, 1840 Londerzeel
since 1996unit no. 2.077.833.634
1 parcel
Flanders
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 23045C0277/00G000 | Flanders | 9,895 m² | 1 · 408 m² | 9.0 m · 2 |
How the parcels are linked
Good to know
The parcel matches the address exactly.