Losses
-€11,093 in three years
Every financial year from 2023 to 2025 closed with a loss. 2023 was the heaviest.
HUMA
Lifetime
17 annual accounts with figures on one time axispeak €50,505 (2013)
€9,196▲ 18.3%
lowest -€31,628 (2018)
-€1,148▲ €1,503
peak €46,833 (2017)
€17,277▼ 6.2%
€97,309▼ 10.6%
Board2 names since 2022
2 directorsJANSSENS, Marina Paula and 1 other
Documentsfilings and deeds
19-11-202519 days late
2025micro format
Gross margin from €7,775 to €9,196Loss of €1,148Cash from €4,248 to €1,049
Key points
from the 2025 annual accountsChecked score
79
Excellent
Financially stronger than 25% of micro companies in crop and animal production (NACE 01)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 5,696 companies (NACE 01, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025lowest value
10-2025: 0.3%▲ +0.1 percentage points vs 09-2025
11-2025: 0.4%▲ +0.1 percentage points vs 10-2025
12-2025: 0.2%▼ -0.2 percentage points vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.2%● unchanged vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.4%▲ +0.2 percentage points vs 09-2026
11-2026: 0.5%▲ +0.1 percentage points vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Figures for financial year 2025 (filed on 21-11-2025)
Liquidity: current ratio 1.18, cash €1,049, halved
lowers risk
Size: total assets €114,586
Sector: Crop and animal production, hunting and related service activities (NACE 01)
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 01, micro). It does better than 29% of them on solvency, 7% on liquidity, 38% on profitability and 25% on growth.
The bankruptcy probability was computed on 10-11-2026 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 31-03-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 2,166 companies had the same profile as HUMA has now. Each dot stands for 6 companies, two years later.
94.2%
were still trading
3.0%
stopped another way
2.5%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of HUMA itself is lower: 0.5% within 12 months. It rests on far more data about HUMA than the profile alone.
Test of the method
The method was tested on the 497,448 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 2,166 companies, not a prediction for HUMA. 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
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.18 (1.17 in 2024), below the usual 1.5. Short-term debt is 82.3% and cash 0.9% of total assets. 84.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 19 days late
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 19-11-2025, 19 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2026
not filed
2025
19 days late
2024
21 days late
2023
28 days late
2022
10 days late
2021
4 days early
2020
10 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 14 days after the deadline. In the sector (NACE 01), the median for financial year 2024 was 3 days before the deadline, and 37% of those companies filed late.
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0894563692
Changes of role: JONCKERS, Hugo Theo Ivo (director) and JANSSENS, Marina Paula (director)
General meeting of 02-01-2024 · Gazette deed
First establishment
Borgloonstraat 43, Geetbets
Incorporation
published on 08-01-2008 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| HUMA Geetbets | €114,586 | €9,196 | 15.1% | - |
| Marcel MASSCHELEYN Court-Saint-Etienne | €111,163 | €10,548 | 82.0% | - |
| THOMAS J.P.J. Lincent | €104,707 | €11,466 | 84.4% | - |
| LEONTINE Linter | €89,238 | €13,849 | 90.2% | - |
| Brans Vee & Akker Zoutleeuw | €123,197 | €16,706 | 80.8% | - |
| LE CLOS 1663 Ypres | €112,638 | €9,563 | 84.4% | - |
| ELIARD-VANTHIELEN Villers-la-Ville | €89,660 | €6,024 | 87.7% | - |
These companies have the same main activity as HUMA: growing of cereals (except rice), leguminous crops and oil seeds (NACE 01110). They are comparable in size and age: total assets between €89,200 and €123,000, founded between 2003 and 2007.
Official details
Source: KBO- Status
- Active since 13-12-2007Normal situation
- Activity
- Growing of cereals (except rice), leguminous crops and oil seedsNACE 01110and 2 others
- Establishment unit
- 2.169.760.7323450 Geetbets, since 01-01-2008
- Financial year end
- 31 March
- Peppol
- Reachable since 01-11-2025
Annual accounts to 31-03-2025
- ≈ €34,000estimated
- €114,586▼ 10.0%
- Filing
- Filed on 19-11-2025
Insights on HUMA
HUMA files the micro format. That format states no turnover. The gross margin rose from -€10,139 in 2009 to €9,196 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 HUMA
- What is the company number of HUMA?
- The company number of HUMA is 0894.563.692. The VAT number is the same number with BE in front: BE 0894.563.692.
- Where is HUMA based?
- The registered office is at Borgloonstraat 43, 3450 Geetbets.Company details
- What does HUMA do?
- According to the KBO register, the main activity is growing of cereals (except rice), leguminous crops and oil seeds (NACE 01110).
- What is the legal form of HUMA?
- HUMA is a private limited company (BV).
- When was HUMA founded?
- HUMA was founded on 13-12-2007.
- Is HUMA still active?
- Yes, HUMA is an active enterprise in the KBO register.
- What is the turnover of HUMA?
- The turnover in financial year 2025 is ≈ €34,000. This figure is estimated from the gross margin of €9,196 and 33 comparable companies (NACE 01). It probably lies between €16,000 and €79,000. It is a rough estimate. In financial year 2019 turnover was €104,524.Financials
- Is HUMA profitable?
- In financial year 2025, HUMA made a loss of €1,148.
- Where can I find the annual accounts of HUMA?
- HUMA filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
Next steps
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