HUMA
ActiveThe file of HUMA contains 2 judicial reorganisations, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 14.7% (high). The 2025 annual accounts show equity of €459k and a net result of €-64k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 54% of 3668 sector peers (fiscal year 2025).
Checked score
Score 2025
34
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-26
Solvency59▼-11
Growth52▼-26
Track record60
Bankruptcy probability, 12 months
14.7%
High
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days only on tighter terms
Liquidity short (current ratio 0.57 against 0.44 in 2024; short-term debt: 65.3% and cash: 0.7% of total assets), and 66.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
33.6%
Return on assets
-4.7%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
10 d late
2022
27 d late
2021
42 d early
2020
1 d early
2019
5 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€459k▼ 12.2%
2024 · €523k
2019: €46k
2020: €40k
2021: €-269k
2022: €33k
2023: €387k
2024: €523k
2019 → 2025
Total assets
€1.36M▲ 16.7%
2024 · €1.17M
2019: €578k
2020: €636k
2021: €430k
2022: €589k
2023: €1.29M
2024: €1.17M
2019 → 2025
Net result
€-64k
2024 · €135k
2019: €24k
2020: €-5k
2021: €-309k
2022: €302k
2023: €354k
2024: €135k
2019 → 2025
Working capital
€-380k▼ 4.4%
2024 · €-364k
2019: €-229k
2020: €-419k
2021: €-569k
2022: €-342k
2023: €-432k
2024: €-364k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-269k-€33k€387k▲ 1,068%€523k▲ 35.0%€459k▼ 12.2%
Operating result€-306k-€93k€351k▲ 277%€157k▼ 55.2%€-31k
Net result€-309k-€302k€354k▲ 17.1%€135k▼ 61.7%€-64k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €31k after €157k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.36M
Fixed assets
€854k▼ 3.8%
Current assets
€510k▲ 81.2%
Equity and liabilities €1.36M
Equity
€459k▼ 12.2%
Debt
€905k▲ 40.0%
The debt ratio rises from 55.3% to 66.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€185k▼
2024 · €429k
Cash flow
€152k▼
2024 · €408k
Solvency
33.6%▼
2024 · 44.7%
Current ratio
0.57▲
2024 · 0.44
Quick ratio
0.56▲
2024 · 0.43
Debt / equity
1.97▲
2024 · 1.24
ROE
-13.9%▼
2024 · 25.9%
ROA
-4.7%▼
2024 · 11.6%
Interest coverage
5.32▼
2024 · 30.19
Debt
€905k▲
2024 · €646k
Debt ≤ 1 year
€890k▲
2024 · €646k
Income taxes
€0▲
2024 · €-95
Staff costs
€762k▲
2024 · €750k
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€1.17M€1.36M▲
Fixed assets21/28€888k€854k▼
Tangible fixed assets22/27€888k€854k▼
Land and buildings22€639k€624k▼
Plant, machinery and equipment23€246k€226k▼
Furniture and vehicles24€3k€5k▲
Current assets29/58€281k€510k▲
Stocks and contracts in progress3€7k€8k▲
Stocks30/36€7k€8k▲
Amounts receivable within one year40/41€228k€437k▲
Trade receivables40€95k€88k▼
Other amounts receivable41€133k€349k▲
Cash at bank and in hand54/58€34k€9k▼
Deferred charges and accrued income490/1€12k€55k▲
Equity and liabilities
Total equity and liabilities10/49€1.17M€1.36M▲
Equity10/15€523k€459k▼
Contributions10/11€19k€19k=
Reserves13€504k€440k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€218k€0▼
Distributable reserves133€286k€440k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€646k€905k▲
Amounts payable within one year42/48€646k€890k▲
Trade debts44€490k€722k▲
Suppliers440/4€490k€722k▲
Advances received on contracts in progress46€93k€140k▲
Taxes, remuneration and social security45€63k€28k▼
Taxes450/3€1k€842▼
Remuneration and social security454/9€62k€27k▼
Accrued charges and deferred income492/3€711€15k▲
Income statement
Code20242025
Remuneration, social security and pensions62€750k€762k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€272k€216k▼
Other operating charges640/8€2k€6k▲
Gross operating margin9900€1.18M€953k▼
Operating profit (loss)9901€157k€-31k▼
Financial income75/76B€359€2k▲
Recurring financial income75€359€2k▲
Non-recurring financial income76B€0-
Financial charges65/66B€22k€35k▲
Recurring financial charges65€14k€35k▲
Non-recurring financial charges66B€8k€0▼
Profit (loss) for the period before taxes9903€135k€-64k▼
Income taxes67/77€-95€0▲
Profit (loss) for the period9904€135k€-64k▼
Profit (loss) for the period to be appropriated9905€135k€-64k▼
Appropriation of the result
Profit (loss) to be appropriated9906€284k€-64k▼
Profit (loss) brought forward from the previous period14P€148k€0▼
Transfer from equity791/2-€64k
Transfer to equity691/2€284k€0▼
To other reserves6921€284k€0▼
Social balance
Average headcount (FTE)908774.742.7▼
The notes to these accounts (7 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Equity above €500kEq €523k ▲35%
3 profitable years in a row build equity to €523k.
2023
10-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 10 days late
28-02
Financial
Highest result since 2019net €354k ▲17.1%
Operating result €351k, net result €354k, both a record.
28-02
Financial
Equity above €200kEq €387k ▲1068%
2 profitable years in a row build equity to €387k.
2022
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 27 days late
28-02
Financial
Back to profitnet €302k
Net result €302k after 2 loss-making years.
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
18-06
Judicial reorganisation
Plan homologation
Ondernemingsrechtbank Gent · 20210001 · event 15-06-2021
28-02
Financial
Weakest financial yearnet €-309k
Net result drops to €-309k, the lowest in the series; recovery starts the following year.
19-02
Judicial reorganisation
Opening
Ondernemingsrechtbank Gent · collectif · event 16-02-2021
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Wevelgem · 1 establishment unit since 2013
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.
Lauwestraat 598560 WevelgemGround area
4,646 m²
Building footprint
1,676 m²
Volume, LiDAR
10,473 m³
Parcel 34041C0545/00P015, Flanders · tallest building 12.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Salons Cortina
since 20132.232.079.272
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34041C0545/00P015 | Flanders | 4,646 m² | 1 · 1,676 m² | 12.3 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 19,542 EUR awarded · 19,542 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 19,542 EUR |
| 2023 | 1 | 19,542 EUR | 0 EUR |
Schemes
Logiessubsidie: steun voor erkend toeristisch logies
Recognitions · licences · registrations
Food safety, FASFC
1 siteWevelgem2.232.079.272
Dual-learning approval
1 live approval · 20 endedRestaurant en keuken duaal (so)
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BHM SUD
BE 0450.754.248
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ELYSEE
BE 0554.987.577
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AMLAH
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Brugge · Eq €458k
Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 6,542 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2001
Fiscal year end31-03
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
56210Event catering
56220Contract catering and other food service activities
56290Food and beverage service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.