Summary
HUMAN CHALLENGE 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 €247,398 and a net result of €46,204. Equity is growing by ~25.4% per year across the filed fiscal years. Its solvency ranks better than 87% of 8074 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
26 d early
2023
28 d early
2022
34 d early
2021
4 d early
2020
23 d early
2019
12 d late
← 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 19 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#10 oldest company in Grimbergen, Finance and insurance sector
Equity
€247,398▲ 22.4%
2024 · €202,044
Net result
€46,204▲ 176%
2024 · €16,759
Total assets
€276,935▲ 11.6%
2024 · €248,167
Solvency
89.3%▲ 7.9pp
2024 · 81.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€84,291▲ 72.6%€75,323▼ 10.6%€32,153▼ 57.3%€25,698▼ 20.1%€66,385▲ 158%
Net result€63,153within the sector's middle half▲ 71.3%€53,107within the sector's middle half▼ 15.9%€22,840within the sector's middle half▼ 57.0%€16,759within the sector's middle half▼ 26.6%€46,204within the sector's middle half▲ 176%
Equity€113,976within the sector's middle half▲ 41.4%€164,095within the sector's middle half▲ 44.0%€186,135within the sector's middle half▲ 13.4%€202,044within the sector's middle half▲ 8.5%€247,398within the sector's middle half▲ 22.4%
Total assets€234,090within the sector's middle half▲ 80.2%€254,988within the sector's middle half▲ 8.9%€239,772within the sector's middle half▼ 6.0%€248,167within the sector's middle half▲ 3.5%€276,935within the sector's middle half▲ 11.6%
Debt€120,114▲ 143%€90,893▼ 24.3%€53,637▼ 41.0%€46,123▼ 14.0%€29,537▼ 36.0%
Working capital€97,167▲ 41.4%€147,387▲ 51.7%€171,766▲ 16.5%€188,684▲ 9.8%€224,047▲ 18.7%
Solvency48.7%within the sector's middle half▼ 13.3pp64.4%within the sector's middle half▲ 15.7pp77.6%above the sector's middle half▲ 13.3pp81.4%above the sector's middle half▲ 3.8pp89.3%above the sector's middle half▲ 7.9pp
Staff (FTE)11=
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 158% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €276,935
Fixed assets
€23,748 ▲ 23.8%
Current assets
€253,186 ▲ 10.6%
Equity and liabilities €276,935
Equity
€247,398 ▲ 22.4%
Debt
€29,537 ▼ 36.0%
Debt's share of the balance-sheet total falls from 18.6% to 10.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
18.7%▲
2024 · 8.3%
ROA
16.7%▲
2024 · 6.8%
Debt ≤ 1 year
€29,140▼
2024 · €40,294
Debt > 1 year
€0▼
2024 · €5,445
Income taxes
€21,727▲
2024 · €9,160
Staff costs
€0▼
2024 · €10,687
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €5,000 | - | - | - | - | - |
| Remuneration, social security and pensions62 | €33,241 | €34,655 | €36,071 | €10,687 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,903 | €10,633 | €10,383 | €10,033 | €10,806 | ▲ 7.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €975 | €0 | - | - |
| Other operating charges640/8 | €348 | €348 | €348 | €566 | €550 | ▼ 2.7% |
| Gross operating margin9900 | €124,783 | €120,959 | €79,930 | €46,983 | €77,740 | ▲ 65.5% |
| Operating profit (loss)9901 | €84,291 | €75,323 | €32,153 | €25,698 | €66,385 | ▲ 158% |
| Financial income75/76B | €362 | - | €329 | €662 | €1,952 | ▲ 195% |
| Recurring financial income75 | €362 | - | €329 | €662 | €1,952 | ▲ 195% |
| Financial charges65/66B | €852 | €1,052 | €613 | €441 | €407 | ▼ 7.8% |
| Recurring financial charges65 | €852 | €1,052 | €613 | €441 | €407 | ▼ 7.8% |
| Profit (loss) for the period before taxes9903 | €83,802 | €74,271 | €31,869 | €25,919 | €67,931 | ▲ 162% |
| Income taxes67/77 | €20,649 | €21,164 | €9,028 | €9,160 | €21,727 | ▲ 137% |
| Profit (loss) for the period9904 | €63,153 | €53,107 | €22,840 | €16,759 | €46,204 | ▲ 176% |
| Profit (loss) for the period to be appropriated9905 | €63,153 | €53,107 | €22,840 | €16,759 | €46,204 | ▲ 176% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €234,090 | €254,988 | €239,772 | €248,167 | €276,935 | ▲ 11.6% |
| Fixed assets21/28 | €49,289 | €38,656 | €28,272 | €19,189 | €23,748 | ▲ 23.8% |
| Intangible fixed assets21 | €1,080 | €720 | €360 | €0 | €14,279 | - |
| Tangible fixed assets22/27 | €48,079 | €37,806 | €27,782 | €19,059 | €9,340 | ▼ 51.0% |
| Plant, machinery and equipment23 | €878 | €365 | €94 | €0 | - | - |
| Furniture and vehicles24 | €41,892 | €32,795 | €23,707 | €15,741 | €6,685 | ▼ 57.5% |
| Other tangible fixed assets26 | €5,309 | €4,645 | €3,982 | €3,318 | €2,654 | ▼ 20.0% |
| Financial fixed assets28 | €130 | €130 | €130 | €130 | €130 | = |
| Current assets29/58 | €184,801 | €216,333 | €211,500 | €228,978 | €253,186 | ▲ 10.6% |
| Stocks and contracts in progress3 | €954 | €954 | €8,220 | €9,539 | €8,915 | ▼ 6.5% |
| Stocks30/36 | €954 | €954 | €8,220 | €9,539 | €8,915 | ▼ 6.5% |
| Amounts receivable within one year40/41 | €45,302 | €55,279 | €18,455 | €24,870 | €33,819 | ▲ 36.0% |
| Trade receivables40 | €42,294 | €55,250 | €14,755 | €24,870 | €33,819 | ▲ 36.0% |
| Other amounts receivable41 | €3,008 | €29 | €3,700 | €0 | - | - |
| Current investments50/53 | - | - | €54,230 | €95,425 | €77,940 | ▼ 18.3% |
| Cash at bank and in hand54/58 | €137,655 | €159,170 | €129,605 | €98,050 | €131,344 | ▲ 34.0% |
| Deferred charges and accrued income490/1 | €891 | €930 | €989 | €1,095 | €1,168 | ▲ 6.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €234,090 | €254,988 | €239,772 | €248,167 | €276,935 | ▲ 11.6% |
| Equity10/15 | €113,976 | €164,095 | €186,135 | €202,044 | €247,398 | ▲ 22.4% |
| Contributions10/11 | €6,500 | €6,500 | €6,500 | €6,500 | €6,500 | = |
| Reserves13 | €107,476 | €157,595 | €179,635 | €195,544 | €240,898 | ▲ 23.2% |
| Non-distributable reserves130/1 | €1,950 | €1,950 | €1,950 | €0 | - | - |
| Reserves not available under the articles1311 | €1,950 | €1,950 | €1,950 | €0 | - | - |
| Tax-exempt reserves132 | €7,500 | €7,500 | €7,500 | €7,500 | €7,500 | = |
| Distributable reserves133 | €98,026 | €148,145 | €170,185 | €188,044 | €233,398 | ▲ 24.1% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - |
| Amounts payable17/49 | €120,114 | €90,893 | €53,637 | €46,123 | €29,537 | ▼ 36.0% |
| Amounts payable after more than one year17 | €29,579 | €21,600 | €13,556 | €5,445 | €0 | ▼ 100% |
| Financial debts170/4 | €29,579 | €21,600 | €13,556 | €5,445 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €87,634 | €68,945 | €39,733 | €40,294 | €29,140 | ▼ 27.7% |
| Current portion of amounts payable after more than one year42 | €7,914 | €7,979 | €8,045 | €8,111 | €5,445 | ▼ 32.9% |
| Financial debts43 | €2,952 | €2,917 | - | - | - | - |
| Credit institutions430/8 | €2,952 | €2,917 | - | - | - | - |
| Trade debts44 | €27,292 | €34,007 | €9,837 | €21,303 | €14,140 | ▼ 33.6% |
| Suppliers440/4 | €27,292 | €34,007 | €9,837 | €21,303 | €14,140 | ▼ 33.6% |
| Taxes, remuneration and social security45 | €15,717 | €17,320 | €13,239 | €3,019 | €5,280 | ▲ 74.9% |
| Taxes450/3 | €11,590 | €13,058 | €7,753 | €3,019 | €5,280 | ▲ 74.9% |
| Remuneration and social security454/9 | €4,127 | €4,262 | €5,486 | €0 | - | - |
| Other amounts payable47/48 | €33,761 | €6,723 | €8,612 | €7,861 | €4,276 | ▼ 45.6% |
| Accrued charges and deferred income492/3 | €2,900 | €348 | €348 | €384 | €397 | ▲ 3.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €63,153 | €53,107 | €22,840 | €16,759 | €46,204 | ▲ 176% |
| + Depreciation and write-downs630 | €6,903 | €10,633 | €10,383 | €10,033 | €10,806 | ▲ 7.7% |
| Operating cash flow (approximation) | €70,056 | €63,740 | €33,224 | €26,791 | €57,009 | ▲ 113% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€949 | -€15,365 | ▼ 1,519% |
| Change in cash | - | €21,514 | -€29,565 | -€31,555 | €33,294 | ▲ 206% |
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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €200,000Eq €202,044 ▲8.5%
7 profitable years in a row build equity to €202,044.
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €150,000Eq €164,095 ▲44%
5 profitable years in a row build equity to €164,095.
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €63,153 ▲71.3%
Operating result €84,291, net result €63,153, both a record.
30-09
Financial
Equity above €100,000Eq €113,976 ▲41.4%
4 profitable years in a row build equity to €113,976.
07-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
30-09
Financial
Liquidity triplescurrent ratio 3.00
Current ratio from 1.05 to 3.00; short-term debt falls from €66,637 to €31,459.
Show earlier events
10-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 113 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Grimbergen · 1 establishment unit since 2002
Ground area
475 m²
Building footprint
81 m²
Volume, LiDAR
513 m³
Parcel 23005A0132/00L002, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Grote Heirbaan 39, 1852 Grimbergen
since 20022.095.580.971
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23005A0132/00L002 | Flanders | 475 m² | 1 · 81 m² | 9.3 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 900 EUR awarded · 900 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 900 EUR |
| 2022 | 1 | 900 EUR | 0 EUR |
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 13,649 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
Founded14-12-2001
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
47791Retail sale of antiques
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0476315629
Also
9925:BE0476315629
Registered
17-10-2024
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.