HUMAC
Active1 interim measureSummary
The file of HUMAC contains 1 interim measure, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 1.1% (low). The 2024 annual accounts show equity of €354k and a net result of €12k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 55% of 3540 sector peers (fiscal year 2024).
Checked score
Score 2024
Axes · tick = 2023
Profitability41▼-19
Solvency68▲+5
Growth78=
Track record80
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days only on tighter terms
Liquidity short (current ratio 0.27 against 0.32 in 2023; short-term debt: 41.6% and cash: 1.2% of total assets), and 57.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
29 d late
2022
31 d late
2021
31 d early
2020
3 d early
2019
122 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€354k▲ 3.6%
2023 · €342k
Total assets
€832k▼ 6.4%
2023 · €889k
Net result
€12k▼ 71.2%
2023 · €42k
Working capital
€-254k▲ 3.2%
2023 · €-263k
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
Line20202021202220232024
Operating result€12k€-17k€26k€64k▲ 147%€37k▼ 42.5%
Net result€89€-28k€13k€42k▲ 217%€12k▼ 71.2%
Equity€114k€86k▼ 24.4%€99k▲ 15.5%€342k▲ 244%€354k▲ 3.6%
Total assets€909k▲ 39.9%€917k▲ 0.9%€877k▼ 4.4%€889k▲ 1.4%€832k▼ 6.4%
Debt€795k▲ 1.2%€831k▲ 4.5%€777k▼ 6.4%€547k▼ 29.6%€478k▼ 12.6%
Working capital€-503k▲ 15.6%€-337k▲ 33.0%€-333k▲ 1.0%€-263k▲ 21.2%€-254k▲ 3.2%
Staff (FTE)3.7▲ 5.7%2.7▼ 27.0%1.8▼ 33.3%1.3▼ 27.8%2.3▲ 76.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 42% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €825k
Fixed assets
€733k ▼ 2.4%
Current assets
€92k ▼ 27.0%
Equity and liabilities €832k
Equity
€354k ▲ 3.6%
Debt
€478k ▼ 12.6%
Debt's share of the balance-sheet total falls from 61.5% to 57.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€65k▼
2023 · €91k
Cash flow
€40k▼
2023 · €70k
Current ratio
0.27▼
2023 · 0.32
Quick ratio
0.17▼
2023 · 0.24
Debt to equity
1.35▼
2023 · 1.60
ROE
3.5%▼
2023 · 12.4%
ROA
1.5%▼
2023 · 4.8%
Interest coverage
2.41▼
2023 · 4.23
Debt ≤ 1 year
€346k▼
2023 · €388k
Debt > 1 year
€132k▼
2023 · €159k
Staff costs
€119k▲
2023 · €55k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €69k | €70k | €55k | €119k | ▲ 114% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20k | €25k | €30k | €27k | €28k | ▲ 2.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €1k | €0 | - | - |
| Other operating charges640/8 | - | €7k | €10k | €13k | €26k | ▲ 95.9% |
| Operating charges capitalised as restructuring costs649 | - | €-24k | €0 | - | - | - |
| Gross operating margin9900 | €180k | €60k | €137k | €160k | €209k | ▲ 31.1% |
| Operating profit (loss)9901 | €12k | €-17k | €26k | €64k | €37k | ▼ 42.5% |
| Financial income75/76B | - | €378 | €414 | €100 | €2k | ▲ 2,270% |
| Recurring financial income75 | €99 | €378 | €414 | €100 | €2k | ▲ 2,270% |
| Financial charges65/66B | - | €11k | €13k | €21k | €27k | ▲ 24.9% |
| Recurring financial charges65 | €12k | €11k | €13k | €21k | €27k | ▲ 24.9% |
| Profit (loss) for the period before taxes9903 | €89 | €-28k | €13k | €42k | €12k | ▼ 71.2% |
| Profit (loss) for the period9904 | €89 | €-28k | €13k | €42k | €12k | ▼ 71.2% |
| Profit (loss) for the period to be appropriated9905 | €89 | €-28k | €13k | €42k | €12k | ▼ 71.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €909k | €917k | €877k | €889k | €832k | ▼ 6.4% |
| Formation expenses20 | - | €22k | €17k | €12k | €8k | ▼ 38.8% |
| Fixed assets21/28 | €817k | €781k | €764k | €751k | €733k | ▼ 2.4% |
| Tangible fixed assets22/27 | €768k | €773k | €755k | €742k | €723k | ▼ 2.5% |
| Land and buildings22 | - | €724k | €716k | €711k | €696k | ▼ 2.0% |
| Plant, machinery and equipment23 | - | €8k | €5k | €4k | €6k | ▲ 52.1% |
| Furniture and vehicles24 | - | €22k | €17k | €12k | €9k | ▼ 29.5% |
| Other tangible fixed assets26 | - | €19k | €17k | €15k | €13k | ▼ 14.9% |
| Financial fixed assets28 | €48k | €8k | €8k | €10k | €10k | = |
| Current assets29/58 | €92k | €114k | €96k | €126k | €92k | ▼ 27.0% |
| Stocks and contracts in progress3 | €6k | €22k | €35k | €33k | €33k | = |
| Stocks30/36 | - | €22k | €35k | €33k | €33k | = |
| Amounts receivable within one year40/41 | €64k | €79k | €54k | €90k | €37k | ▼ 59.2% |
| Trade receivables40 | - | €79k | €51k | €63k | €35k | ▼ 44.2% |
| Other amounts receivable41 | - | €35 | €2k | €27k | €2k | ▼ 93.7% |
| Current investments50/53 | - | - | €485 | €165 | €28 | ▼ 82.8% |
| Cash at bank and in hand54/58 | €21k | €9k | €7k | €3k | €10k | ▲ 275% |
| Deferred charges and accrued income490/1 | - | €3k | €822 | €0 | €12k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €909k | €917k | €877k | €889k | €832k | ▼ 6.4% |
| Equity10/15 | €114k | €86k | €99k | €342k | €354k | ▲ 3.6% |
| Contributions10/11 | - | €393k | €393k | €593k | €593k | = |
| Revaluation surpluses12 | - | €550k | €550k | €550k | €550k | = |
| Profit (loss) carried forward14 | €-829k | €-857k | €-844k | €-801k | €-789k | ▲ 1.5% |
| Amounts payable17/49 | €795k | €831k | €777k | €547k | €478k | ▼ 12.6% |
| Amounts payable after more than one year17 | €200k | €380k | €348k | €159k | €132k | ▼ 17.0% |
| Financial debts170/4 | - | €380k | €348k | €159k | €132k | ▼ 17.0% |
| Amounts payable within one year42/48 | €595k | €451k | €429k | €388k | €346k | ▼ 10.9% |
| Current portion of amounts payable after more than one year42 | - | €33k | €32k | €29k | €27k | ▼ 7.5% |
| Financial debts43 | - | €237k | €238k | €240k | €236k | ▼ 1.7% |
| Credit institutions430/8 | - | €237k | €238k | €240k | €236k | ▼ 1.7% |
| Trade debts44 | €304k | €75k | €87k | €43k | €8k | ▼ 80.4% |
| Suppliers440/4 | - | €75k | €87k | €43k | €8k | ▼ 80.4% |
| Taxes, remuneration and social security45 | - | €24k | €53k | €76k | €70k | ▼ 8.0% |
| Taxes450/3 | - | €12k | €45k | €54k | €34k | ▼ 36.5% |
| Remuneration and social security454/9 | - | €12k | €8k | €22k | €35k | ▲ 63.4% |
| Other amounts payable47/48 | - | €82k | €19k | €745 | €5k | ▲ 571% |
| Accrued charges and deferred income492/3 | - | - | - | - | €262 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €89 | €-28k | €13k | €42k | €12k | ▼ 71.2% |
| + Depreciation and write-downs630 | €20k | €25k | €30k | €27k | €28k | ▲ 2.9% |
| Operating cash flow (approximation) | €20k | €-3k | €44k | €70k | €40k | ▼ 42.2% |
| Investment in fixed assets (approximation) | - | €10k | €-13k | €-15k | €-10k | ▲ 34.6% |
| Change in cash | - | €-12k | €-2k | €-4k | €7k | ▲ 288% |
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
2026
20-05
Interim measure
Provisional administrator
Ondernemingsrechtbank Gent
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €42k ▲217%
Operating result €64k, net result €42k, both a record.
31-12
Financial
Equity above €200kEq €342k ▲244%
2 profitable years in a row build equity to €342k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €89
Net result €89 after 2 loss-making years.
31-12
Financial
Equity above €100kEq €114k
Equity rises from €-136k to €114k.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
Show earlier events
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Geraardsbergen · 1 establishment unit since 2001
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.
Diebeke(Sch) 49500 Geraardsbergen1 establishment unit
Geraardsbergse Bandencentrale
since 20012.075.038.351
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AUTO KIT ABELOOS
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Banden Bruneel
BE 0658.879.725
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Of 999 companies in sector 95315 we hold annual accounts for 427. 276 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
Founded27-12-1995
Fiscal year end31-12
Trade name NL
Geeraardsbergse Bandencentrale
Activities, NACEBEL 2025
95315Tyre services
Scores and ratios are computed by Checked and are not a credit decision.