HUMA
ActiveSummary
HUMA has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €114k and a net result of €6k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 52% of 11389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability44▼-37
Solvency70▼-22
Growth68▼-9
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 3.03 in 2024; short-term debt: 55.1% and cash: 15.4% of total assets), but 55.1% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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
44.9%
Return on assets
2.5%
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 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
1 d late
2023
12 d late
2022
171 d late
2021
124 d late
2020
88 d late
2019
109 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Is this a good employer? Staff, turnover and training against the sector.Employer check
Financials · fiscal year 2025, micro schema
Turnover
€374k▼ 2.3%
2024 · €383k
EBIT margin
3.9%▼ 5.0pp
2024 · 8.9%
Net result
€6k▼ 73.7%
2024 · €24k
Working capital
€112k▲ 23.2%
2024 · €91k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€339k€383k▲ 12.7%€374k▼ 2.3%
Operating result€25k€2k▼ 93.2%€3k▲ 56.9%€34k▲ 1,163%€15k▼ 56.9%
Net result€24k€-3k€2k€24k▲ 866%€6k▼ 73.7%
EBIT margin0.8%8.9%▲ 8.1pp3.9%▼ 5.0pp
Equity€84k▲ 40.5%€81k▼ 3.7%€69k▼ 15.2%€93k▲ 35.2%€114k▲ 22.8%
Total assets€92k▲ 32.0%€95k▲ 4.2%€86k▼ 10.0%€138k▲ 60.3%€254k▲ 84.5%
Debt€8k▼ 20.6%€15k▲ 90.4%€17k▲ 18.6%€45k▲ 160%€140k▲ 212%
Working capital€83k▲ 41.2%€79k▼ 4.6%€67k▼ 15.5%€91k▲ 36.0%€112k▲ 23.2%
Staff (FTE)11=1.1▲ 10.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 57% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €254k
Fixed assets
€2k =
Current assets
€252k ▲ 85.5%
Equity and liabilities €254k
Equity
€114k ▲ 22.8%
Debt
€140k ▲ 212%
Debt's share of the balance-sheet total rises from 32.6% to 55.1%. Equity and debt are higher.
Key figures and ratios
Current ratio
1.80▼
2024 · 3.03
Quick ratio
1.78▼
2024 · 2.83
Debt to equity
1.23▲
2024 · 0.48
ROE
5.6%▼
2024 · 26.0%
ROA
2.5%▼
2024 · 17.5%
Debt ≤ 1 year
€140k▲
2024 · €45k
Income taxes
€6k▼
2024 · €9k
Staff costs
€25k▼
2024 · €29k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | €339k | €383k | €374k | ▼ 2.3% |
| Goods, raw materials, services and sundry goods60/61 | - | - | €306k | €315k | €341k | ▲ 8.2% |
| Remuneration, social security and pensions62 | - | €4k | €28k | €29k | €25k | ▼ 11.7% |
| Other operating charges640/8 | €3k | €980 | €3k | €6k | €8k | ▲ 37.9% |
| Non-recurring operating charges66A | - | - | - | €165 | - | - |
| Gross operating margin9900 | €28k | €7k | €34k | €69k | €48k | ▼ 30.1% |
| Operating profit (loss)9901 | €25k | €2k | €3k | €34k | €15k | ▼ 56.9% |
| Financial income75/76B | - | €1k | €253 | €0 | - | - |
| Recurring financial income75 | - | €1k | €253 | €0 | - | - |
| Financial charges65/66B | €1k | €501 | €466 | €1k | €2k | ▲ 120% |
| Recurring financial charges65 | €1k | €501 | €466 | €1k | €2k | ▲ 120% |
| Profit (loss) for the period before taxes9903 | €24k | €2k | €2k | €33k | €12k | ▼ 62.9% |
| Income taxes67/77 | - | €6k | - | €9k | €6k | ▼ 34.2% |
| Profit (loss) for the period9904 | €24k | €-3k | €2k | €24k | €6k | ▼ 73.7% |
| Profit (loss) for the period to be appropriated9905 | €24k | €-3k | €2k | €24k | €6k | ▼ 73.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €92k | €95k | €86k | €138k | €254k | ▲ 84.5% |
| Fixed assets21/28 | €2k | €2k | €2k | €2k | €2k | = |
| Financial fixed assets28 | €2k | €2k | €2k | €2k | €2k | = |
| Current assets29/58 | €90k | €94k | €84k | €136k | €252k | ▲ 85.5% |
| Amounts receivable after more than one year29 | €35k | €35k | €35k | - | - | - |
| Other amounts receivable291 | €35k | €35k | €35k | - | - | - |
| Stocks and contracts in progress3 | €14k | €21k | €16k | €9k | €3k | ▼ 65.4% |
| Stocks30/36 | €14k | €21k | €16k | €9k | €3k | ▼ 65.4% |
| Amounts receivable within one year40/41 | €33k | €32k | €5k | €45k | €210k | ▲ 370% |
| Trade receivables40 | - | €2k | €3k | €9k | €85k | ▲ 797% |
| Other amounts receivable41 | €33k | €30k | €2k | €35k | €125k | ▲ 254% |
| Cash at bank and in hand54/58 | €8k | €6k | €28k | €82k | €39k | ▼ 52.3% |
| Deferred charges and accrued income490/1 | - | - | €172 | €167 | €199 | ▲ 18.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €92k | €95k | €86k | €138k | €254k | ▲ 84.5% |
| Equity10/15 | €84k | €81k | €69k | €93k | €114k | ▲ 22.8% |
| Contributions10/11 | €19k | €19k | €4k | €4k | €19k | ▲ 389% |
| Reserves13 | €79k | €79k | €49k | €49k | €49k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €77k | €77k | €47k | €47k | €47k | = |
| Profit (loss) carried forward14 | €-14k | €-17k | €16k | €40k | €46k | ▲ 15.9% |
| Amounts payable17/49 | €8k | €15k | €17k | €45k | €140k | ▲ 212% |
| Amounts payable within one year42/48 | €7k | €15k | €17k | €45k | €140k | ▲ 212% |
| Financial debts43 | €4k | - | - | - | - | - |
| Credit institutions430/8 | €4k | - | - | - | - | - |
| Trade debts44 | €2k | €6k | €13k | €21k | €100k | ▲ 368% |
| Suppliers440/4 | €2k | €6k | €13k | €21k | €100k | ▲ 368% |
| Taxes, remuneration and social security45 | €1k | €8k | €5k | €13k | €24k | ▲ 80.0% |
| Taxes450/3 | €1k | €6k | €1k | €11k | €17k | ▲ 50.2% |
| Remuneration and social security454/9 | - | €2k | €3k | €2k | €7k | ▲ 235% |
| Other amounts payable47/48 | - | - | - | €10k | €16k | ▲ 55.0% |
| Accrued charges and deferred income492/3 | €715 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24k | €-3k | €2k | €24k | €6k | ▼ 73.7% |
| Operating cash flow (approximation) | €24k | €-3k | €2k | €24k | €6k | ▼ 73.7% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €-2k | €22k | €54k | €-43k | ▼ 179% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €114k ▲22.8%
3 profitable years in a row build equity to €114k.
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
18-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 171 days late
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
2022
02-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 124 days late
2021
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
17-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 109 days late
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
Show earlier events
17-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 78 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
04-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 126 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State 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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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, Antwerpen · 1 establishment unit since 1998
Ground area
264 m²
Building footprint
137 m²
Volume, LiDAR
1,474 m³
Parcel 11343A0569/00M004, Flanders · tallest building 11.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
HUMA
since 19982.084.877.022
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11343A0569/00M004 | Flanders | 264 m² | 1 · 137 m² | 11.8 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.084.877.022
Similar companies · same sector, comparable size
ANSARI
BE 0679.913.283
Antwerpen · Eq €114k
VAN DEN ABEELE STEFAAN
BE 0895.626.338
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VINTHEKA
BE 0462.532.028
Rixensart · Eq €115k
DE KAASKEIZER
BE 0428.460.579
Hamont-Achel · Eq €112k
JANA TRADING
BE 1010.507.002
Beersel · Eq €116k
Of 697 companies in sector 46392 we hold annual accounts for 484. 320 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-12-1997
Fiscal year end31-12
Activities, NACEBEL 2025
46392Non-specialised wholesale
47110Non-specialised retail sale with food, beverages or tobacco predominating
Scores and ratios are computed by Checked and are not a credit decision.