Humatter
ActiveHumatter has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €126k and a net result of €29k. Equity is growing by ~20.3% per year across the filed fiscal years. Its solvency ranks better than 81% of 781 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 5.64 against 3.04 in 2024), and 18.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
81.6%
Return on assets
18.9%
Age of the figures
8 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 7 filingsDeviation from the deadline
2025
28 d late
2024
20 d early
2023
30 d late
2022
on the day
2021
31 d late
2020
5 d late
2019
23 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€126k▲ 22.2%
2024 · €103k
2019: €44k
2020: €50k
2021: €30k
2022: €67k
2023: €103k
2024: €103k
2019 → 2025
Total assets
€155k▲ 2.2%
2024 · €151k
2019: €61k
2020: €61k
2021: €41k
2022: €76k
2023: €120k
2024: €151k
2019 → 2025
Net result
€29k▼ 23.3%
2024 · €38k
2019: €38k
2020: €38k
2021: €-20k
2022: €36k
2023: €36k
2024: €38k
2019 → 2025
Working capital
€120k▲ 22.3%
2024 · €98k
2019: €42k
2020: €42k
2021: €29k
2022: €60k
2023: €98k
2024: €98k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€67k▲ 120%€103k▲ 54.3%€103k▲ 0.4%€126k▲ 22.2%
Operating result€-18k-€44k€52k▲ 17.9%€53k▲ 1.1%€42k▼ 20.0%
Net result€-20k-€36k€36k▼ 0.7%€38k▲ 5.1%€29k▼ 23.3%
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 2025; 2025 is 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €155k
Fixed assets
€9k▲ 68.5%
Current assets
€146k▼ 0.2%
Equity and liabilities €155k
Equity
€126k▲ 22.2%
Debt
€28k▼ 40.7%
The debt ratio falls from 31.7% to 18.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€44k▼
2024 · €55k
Cash flow
€31k▼
2024 · €40k
Solvency
81.6%▲
2024 · 68.3%
Current ratio
5.64▲
2024 · 3.04
Quick ratio
5.64▲
2024 · 3.04
Debt / equity
0.23▼
2024 · 0.46
ROE
23.1%▼
2024 · 36.8%
ROA
18.9%▼
2024 · 25.1%
Interest coverage
26.37▼
2024 · 40.55
Debt
€28k▼
2024 · €48k
Debt ≤ 1 year
€26k▼
2024 · €48k
Debt > 1 year
€2k
Income taxes
€12k▼
2024 · €15k
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€151k€155k▲
Fixed assets21/28€5k€9k▲
Tangible fixed assets22/27€5k€9k▲
Land and buildings22€1k€922▼
Plant, machinery and equipment23€3k€3k▲
Furniture and vehicles24€661€5k▲
Other tangible fixed assets26€780€516▼
Financial fixed assets28€40€40=
Current assets29/58€146k€146k▼
Amounts receivable within one year40/41€44k€3k▼
Trade receivables40€9k€0▼
Other amounts receivable41€34k€3k▼
Current investments50/53-€121k
Cash at bank and in hand54/58€101k€21k▼
Deferred charges and accrued income490/1€2k€913▼
Equity and liabilities
Total equity and liabilities10/49€151k€155k▲
Equity10/15€103k€126k▲
Contributions10/11€6k€6k=
Reserves13€80k€103k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€80k€103k▲
Profit (loss) carried forward14€17k€17k=
Amounts payable17/49€48k€28k▼
Amounts payable after more than one year17-€2k
Financial debts170/4-€2k
Amounts payable within one year42/48€48k€26k▼
Current portion of amounts payable after more than one year42-€2k
Trade debts44€779€2k▲
Suppliers440/4€779€2k▲
Taxes, remuneration and social security45€8k€8k▲
Taxes450/3€8k€8k▲
Other amounts payable47/48€39k€14k▼
Accrued charges and deferred income492/3-€146
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€569€617▲
Gross operating margin9900€55k€45k▼
Operating profit (loss)9901€53k€42k▼
Financial income75/76B€1k€256▼
Recurring financial income75€1k€256▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€53k€41k▼
Income taxes67/77€15k€12k▼
Profit (loss) for the period9904€38k€29k▼
Profit (loss) for the period to be appropriated9905€38k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€55k€46k▼
Profit (loss) brought forward from the previous period14P€17k€17k▲
Transfer from equity791/2€38k€6k▼
Transfer to equity691/2€38k€29k▼
To other reserves6921€38k€29k▼
Profit to be distributed694/7€38k€6k▼
Return on contributions (dividend)694€38k€6k▼
The notes to these accounts (15 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
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €38k ▲5.1%
Net result €38k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €100kEq €103k ▲54.3%
2 profitable years in a row build equity to €103k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €36k
Net result €36k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 7.31
Current ratio from 3.65 to 7.31; short-term debt falls from €11k to €9k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-20k ▼153%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2020
23-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Stabroek · 1 establishment unit since 2018
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.
Heuvels 582940 StabroekGround area
1,045 m²
Building footprint
141 m²
Volume, LiDAR
796 m³
Parcel 11044B0336/00B000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Humatter
since 20182.278.143.582
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11044B0336/00B000 | Flanders | 1,045 m² | 1 · 141 m² | 8.7 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.
Similar companies · same sector, comparable size
Silver Tie Payroll
BE 0792.446.250
Gent · Eq €126k
AZUR-HR
BE 0757.711.144
Brussel · Eq €126k
KDR
BE 0474.859.639
Zoersel · Eq €126k
W.D. Sourcing
BE 1000.491.850
Gent · Eq €127k
Aldaz Group
BE 0794.528.483
Elsene · Eq €125k
Of 1,009 companies in sector 78200 we hold annual accounts for 644. 459 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-07-2018
Fiscal year end31-12
Activities, NACEBEL
78200Temporary employment agencies and other provision of personnel
78300Employment activities
70200Business and other management consultancy
70220Business consulting
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.