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HUMAN MATTERS

Active
Private limited companyfounded 200124 yrs activeBegoniastraat 30, 2627 Schelle, BelgiumKBO/BCE: BE 0476.294.942
Summary

HUMAN MATTERS has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €135,201 and a net result of €21,862. Equity is shrinking by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 83% of 605 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
HUMAN MATTERSActiveChecked score 96/100
Risk analysis ReportCompare

Overview

Activity
Other research and development on natural sciences
NACE 72109NACE 72190NACE 73100
1 site
Size
€150,451total assets 2025
Equity
€135,201
Profit
€21,862
Turnover not published (abridged schema)
Financial health
96 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts filed 61 d late
Why 96- Latest accounts 61 days late; 3 of the last 3 late- Size: total assets €150,451+ Liquidity: current ratio 7.74, cash €65,508+ Equity €135,201 (89.9% of total assets)Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Better than 78% of its sector peers (NACE 72, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100+18
equity 89.9% of total assets
Liquidity 100+21
short-term debt 10.1% · cash 43.5%
Profitability 87+87
return on assets 14.5%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (930 companies)
Last 24 months 11-2024: 0.4% 12-2024: 0.4%● 0.0% vs 11-2024 01-2025: 0.4%▼ -1.4% vs 12-2024 02-2025: 0.4%● 0.0% vs 01-2025 03-2025: 0.4%▼ -1.4% vs 02-2025 04-2025: 0.4%▲ +1.0% vs 03-2025 05-2025: 0.4%▼ -8.0% vs 04-2025 06-2025: 0.4%▲ +2.6% vs 05-2025 07-2025: 0.4%▼ -1.3% vs 06-2025 08-2025: 0.5%▲ +17.4% vs 07-2025highest value 09-2025: 0.4%▼ -4.0% vs 08-2025 10-2025: 0.4%▼ -11.7% vs 09-2025 11-2025: 0.4%● 0.0% vs 10-2025 12-2025: 0.4%● 0.0% vs 11-2025 01-2026: 0.4%▼ -1.8% vs 12-2025 02-2026: 0.4%● 0.0% vs 01-2026 03-2026: 0.4%▼ -1.3% vs 02-2026 04-2026: 0.4%▼ -3.0% vs 03-2026 05-2026: 0.3%▼ -8.0% vs 04-2026 06-2026: 0.3%▼ -0.9% vs 05-2026 07-2026: 0.3%▲ +0.9% vs 06-2026 08-2026: 0.4%▲ +29.2% vs 07-2026 09-2026: 0.4%▼ -4.0% vs 08-2026 10-2026: 0.1%▼ -72.8% vs 09-2026lowest value
  • Latest accounts 61 days late; 3 of the last 3 late raises the probability
  • Liquidity: current ratio 7.74, cash €65,508 lowers the probability
  • Equity €135,201 (89.9% of total assets) lowers the probability
  • Size: total assets €150,451 raises the probability for this profile
Credit up to €12,000 at 30 days acceptable
Liquidity ample (current ratio 7.74 against 1.92 in 2024; short-term debt: 10.1% and cash: 43.5% of total assets), and 10.1% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 72, micro). Better than this share of them on solvency 83%, liquidity 91%, profitability 66%, growth against the median 72%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Latest accounts 61 days late; 3 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Liquidity: current ratio 7.74, cash €65,508
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €135,201 (89.9% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Size: total assets €150,451
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 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 filings
Deviation from the deadline
2025
61 d late
2024
34 d late
2023
40 d late
2022
on the day
2021
31 d late
2020
58 d late
2019
28 d early
← 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 28 days after the deadline; the sector median for financial year 2024 is 13 days before the deadline, and 32% of the sector filed late.

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. Usually files around 3 September (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Back to profitnet €21,862
  3. Liquidity quadruplescurrent ratio 7.74

Key points

  • Positive: Back in profit in 2025after -€78,627 in 2024 €21,862 View
  • Positive: Among the best 18% on solvencysector median 60.8% · 605 companies 89.9% View
  • Caution: Latest accounts filed lateafter the legal deadline 61 d View

By topic

Financials

Fiscal year
2025
Total assets
€150,451
Profit
€21,862
Solvency
89.9%
Total assets▼ 24.7%
Net result
20182025
Go to Financials

Timeline

Events
17
Since
2017
Next accounts
by 31-07-2027
  1. 30-09-2026Annual accounts filed
  2. 31-12-2025Back to profit
  3. 31-12-2025Liquidity quadruples
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other research and development on natural sciencesNACE 72109
Founded
12-12-2001
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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