Humbl
ActiveSummary
The computed 12-month bankruptcy probability of Humbl is 1.9% (moderate). The 2025 annual accounts show equity of €3,500 and a net result of €68,650. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 24% of 18716 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+13
Solvency27▼-14
Growth42▼-10
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
2.3%
Return on assets
46%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 18716 sector peers (2025).
NBB · sector comparisonPosition among 18716 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
18 d late
2024
15 d early
2023
23 d early
2022
12 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 8 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 18 July (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€3,500▼ 88.1%
2024 · €29,312
Total assets
€149,354▼ 16.7%
2024 · €179,220
Net result
€68,650▲ 166%
2024 · €25,812
Working capital
€7,988▼ 78.5%
2024 · €37,211
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€39-€90,844▲ 231,349%€34,132▼ 62.4%€87,500▲ 156%
Net result€71,590above the sector's middle half€25,812above the sector's middle half▼ 63.9%€68,650above the sector's middle half▲ 166%
Equity€3,500below the sector's middle half-€75,090within the sector's middle half▲ 2,045%€29,312within the sector's middle half▼ 61.0%€3,500within the sector's middle half▼ 88.1%
Total assets€77,212within the sector's middle half-€138,968within the sector's middle half▲ 80.0%€179,220within the sector's middle half▲ 29.0%€149,354within the sector's middle half▼ 16.7%
Debt€73,712-€63,879▼ 13.3%€149,908▲ 135%€145,854▼ 2.7%
Working capital€3,897within the sector's middle half-€61,540within the sector's middle half▲ 1,479%€37,211within the sector's middle half▼ 39.5%€7,988within the sector's middle half▼ 78.5%
Solvency4.5%below the sector's middle half-54.0%within the sector's middle half▲ 49.5pp16.4%within the sector's middle half▼ 37.7pp2.3%below the sector's middle half▼ 14.0pp
Current ratio1.07within the sector's middle half-2.20within the sector's middle half▲ 1.131.36within the sector's middle half▼ 0.851.07within the sector's middle half▼ 0.29
Return on assets (ROA)51.5%above the sector's middle half14.4%above the sector's middle half▼ 37.1pp46.0%above the sector's middle half▲ 31.6pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, 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 156% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €149,354
Fixed assets
€26,819 ▼ 27.9%
Current assets
€122,535 ▼ 13.7%
Equity and liabilities €149,354
Equity
€3,500 ▼ 88.1%
Debt
€145,854 ▼ 2.7%
Debt's share of the balance-sheet total rises from 83.6% to 97.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€97,889▲
2024 · €44,549
Cash flow
€79,038▲
2024 · €36,230
Quick ratio
0.92▼
2024 · 1.23
Debt to equity
41.67▲
2024 · 5.11
Interest coverage
148.62▲
2024 · 52.69
Debt ≤ 1 year
€114,547▲
2024 · €104,802
Debt > 1 year
€1,411▼
2024 · €13,243
Income taxes
€18,269▲
2024 · €7,492
A ratio outside any meaningful range has been withheld (balance sheet total €149,354, equity €3,500).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,157 companies that looked in July 2024 the way this one looks now, 3.0% went bankrupt within 24 months and 94% are still going.
- Micro
- 2 to 5 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
3.0%
went bankrupt
2.8%
stopped otherwise
94%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.9% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,157 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €3,337 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,481 | €6,338 | €10,418 | €10,388 | ▼ 0.3% |
| Other operating charges640/8 | €104 | €396 | €515 | €947 | ▲ 84.0% |
| Non-recurring operating charges66A | - | - | - | €3,661 | - |
| Gross operating margin9900 | €4,624 | €97,578 | €45,064 | €102,496 | ▲ 127% |
| Operating profit (loss)9901 | €39 | €90,844 | €34,132 | €87,500 | ▲ 156% |
| Financial income75/76B | €0 | €16 | €19 | €77 | ▲ 311% |
| Recurring financial income75 | €0 | €16 | €19 | €77 | ▲ 311% |
| Financial charges65/66B | €39 | €735 | €845 | €659 | ▼ 22.1% |
| Recurring financial charges65 | €39 | €735 | €845 | €659 | ▼ 22.1% |
| Profit (loss) for the period before taxes9903 | - | €90,125 | €33,305 | €86,918 | ▲ 161% |
| Income taxes67/77 | - | €18,536 | €7,492 | €18,269 | ▲ 144% |
| Profit (loss) for the period9904 | - | €71,590 | €25,812 | €68,650 | ▲ 166% |
| Profit (loss) for the period to be appropriated9905 | - | €71,590 | €25,812 | €68,650 | ▲ 166% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €77,212 | €138,968 | €179,220 | €149,354 | ▼ 16.7% |
| Fixed assets21/28 | €18,504 | €26,159 | €37,207 | €26,819 | ▼ 27.9% |
| Tangible fixed assets22/27 | €18,504 | €26,159 | €37,207 | €26,819 | ▼ 27.9% |
| Plant, machinery and equipment23 | - | €1,284 | €827 | €369 | ▼ 55.3% |
| Furniture and vehicles24 | €18,504 | €24,875 | €36,380 | €26,449 | ▼ 27.3% |
| Current assets29/58 | €58,707 | €112,809 | €142,013 | €122,535 | ▼ 13.7% |
| Stocks and contracts in progress3 | €11,949 | €16,232 | €12,645 | €16,715 | ▲ 32.2% |
| Stocks30/36 | €11,949 | €16,232 | €12,645 | €16,715 | ▲ 32.2% |
| Amounts receivable within one year40/41 | €28,907 | €36,029 | €36,209 | €27,664 | ▼ 23.6% |
| Trade receivables40 | €25,095 | €36,029 | €36,209 | €27,664 | ▼ 23.6% |
| Other amounts receivable41 | €3,812 | €0 | - | - | - |
| Cash at bank and in hand54/58 | €16,162 | €58,436 | €91,006 | €75,877 | ▼ 16.6% |
| Deferred charges and accrued income490/1 | €1,688 | €2,112 | €2,153 | €2,279 | ▲ 5.9% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €77,212 | €138,968 | €179,220 | €149,354 | ▼ 16.7% |
| Equity10/15 | €3,500 | €75,090 | €29,312 | €3,500 | ▼ 88.1% |
| Contributions10/11 | €3,500 | €3,500 | €3,500 | €3,500 | = |
| Profit (loss) carried forward14 | - | €71,590 | €25,812 | €0 | ▼ 100% |
| Amounts payable17/49 | €73,712 | €63,879 | €149,908 | €145,854 | ▼ 2.7% |
| Amounts payable after more than one year17 | €18,831 | €12,609 | €13,243 | €1,411 | ▼ 89.3% |
| Financial debts170/4 | €18,831 | €12,609 | €13,243 | €1,411 | ▼ 89.3% |
| Amounts payable within one year42/48 | €54,811 | €51,270 | €104,802 | €114,547 | ▲ 9.3% |
| Current portion of amounts payable after more than one year42 | €6,169 | €6,223 | €11,552 | €11,832 | ▲ 2.4% |
| Trade debts44 | €5,348 | €7,630 | €9,962 | €7,916 | ▼ 20.5% |
| Suppliers440/4 | €5,348 | €7,630 | €9,962 | €7,916 | ▼ 20.5% |
| Advances received on contracts in progress46 | - | €12,436 | €0 | - | - |
| Taxes, remuneration and social security45 | €21,919 | €9,417 | €10,003 | €12,040 | ▲ 20.4% |
| Taxes450/3 | - | €9,417 | €10,003 | €12,040 | ▲ 20.4% |
| Remuneration and social security454/9 | €21,919 | €0 | - | - | - |
| Other amounts payable47/48 | €21,375 | €15,564 | €73,286 | €82,760 | ▲ 12.9% |
| Accrued charges and deferred income492/3 | €70 | €0 | €31,862 | €29,896 | ▼ 6.2% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | - | €71,590 | €25,812 | €68,650 | ▲ 166% |
| + Depreciation and write-downs630 | €4,481 | €6,338 | €10,418 | €10,388 | ▼ 0.3% |
| Operating cash flow (approximation) | €4,481 | €77,928 | €36,230 | €79,038 | ▲ 118% |
| Investment in fixed assets (approximation) | - | -€13,992 | -€21,466 | €0 | ▲ 100% |
| Change in cash | - | €42,274 | €32,570 | -€15,129 | ▼ 146% |
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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €25,812 ▼63.9%
Net result drops to €25,812, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 2.20
Current ratio from 1.07 to 2.20; short-term debt falls from €54,811 to €51,270.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Ham-sur-Heure-Nalinnes · 1 establishment unit since 2022
Ground area
997 m²
Building footprint
122 m²
Volume, LiDAR
740 m³
Parcel 56037B0026/02G000, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Humbl
since 20222.328.274.964
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56037B0026/02G000 | Wallonia | 997 m² | 1 · 122 m² | 7.2 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.
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Of 12,927 companies in this sector we hold annual accounts for 2,195. 860 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded25-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47120Other non-specialised retail sale
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0780842773
Registered
30-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.