Humilitas
ActiveHumilitas has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €7k. Equity is growing by ~19.4% per year across the filed fiscal years. Its solvency ranks better than 25% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▲+14
Solvency48▼-4
Growth85▲+17
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.85 against 3.16 in 2024; short-term debt: 16.4% and cash: 3.8% of total assets), and 76.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
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
23.2%
Return on assets
8.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-06-2026, 56 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
56 d early
2024
51 d early
2023
187 d early
2022
80 d early
2021
55 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€90k▲ 182%
2022 · €32k
2021: €8k
2022: €32k
2021 → 2023
EBIT margin
7.7%▼ 4.0pp
2022 · 11.7%
2021: 37.2%
2022: 11.7%
2021 → 2023
Net result
€7k▲ 533%
2024 · €1k
2021: €3k
2022: €1k
2023: €2k
2024: €1k
2021 → 2025
Working capital
€-2k
2024 · €15k
2021: €4k
2022: €3k
2023: €6k
2024: €15k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€8k-€32k▲ 291%€90k▲ 182%
Equity€8k-€9k▲ 17.7%€11k▲ 20.0%€12k▲ 9.5%€19k▲ 54.7%
Operating result€3k-€4k▲ 23.7%€7k▲ 85.3%€3k▼ 62.9%€20k▲ 689%
Net result€3k-€1k▼ 53.1%€2k▲ 32.7%€1k▼ 43.1%€7k▲ 533%
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 689% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€71k▲ 194%
Current assets
€12k▼ 48.2%
Equity and liabilities €83k
Equity
€19k▲ 54.7%
Debt
€64k▲ 87.0%
The debt ratio rises from 73.3% to 76.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€31k▲
2024 · €14k
Cash flow
€17k▲
2024 · €12k
Solvency
23.2%▼
2024 · 26.7%
Current ratio
0.85▼
2024 · 3.16
Quick ratio
0.85▼
2024 · 3.16
Debt / equity
3.31▲
2024 · 2.74
ROE
35.4%▲
2024 · 8.6%
ROA
8.2%▲
2024 · 2.3%
Interest coverage
3.37▲
2024 · -16.65
Debt
€64k▲
2024 · €34k
Debt ≤ 1 year
€14k▲
2024 · €7k
Debt > 1 year
€50k▲
2024 · €27k
Income taxes
€4k▲
2024 · €2k
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€46k€83k▲
Fixed assets21/28€24k€71k▲
Intangible fixed assets21€53€8▼
Tangible fixed assets22/27€24k€71k▲
Plant, machinery and equipment23€239-
Furniture and vehicles24€24k€14k▼
Assets under construction and advance payments27-€58k
Current assets29/58€22k€12k▼
Amounts receivable within one year40/41€10k€5k▼
Trade receivables40€5k€5k▲
Other amounts receivable41€5k€175▼
Current investments50/53€8k€0▼
Cash at bank and in hand54/58€1k€3k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€46k€83k▲
Equity10/15€12k€19k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€7k€14k▲
Amounts payable17/49€34k€64k▲
Amounts payable after more than one year17€27k€50k▲
Financial debts170/4€27k€50k▲
Amounts payable within one year42/48€7k€14k▲
Trade debts44€4k€11k▲
Suppliers440/4€4k€11k▲
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€2k€1k▼
Remuneration and social security454/9€880€951▲
Other amounts payable47/48€311-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€15k€32k▲
Operating profit (loss)9901€3k€20k▲
Financial income75/76B€0-
Recurring financial income75€0-
Non-recurring financial income76B€0-
Financial charges65/66B€-821€9k▲
Recurring financial charges65€-821€9k▲
Non-recurring financial charges66B€-821€9k▲
Profit (loss) for the period before taxes9903€3k€11k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€1k€7k▲
Profit (loss) for the period to be appropriated9905€1k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€14k▲
Profit (loss) brought forward from the previous period14P€6k€7k▲
The notes to these accounts (12 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €7k ▲533%
Operating result €20k, net result €7k, both a record.
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €1k ▼43.1%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Liège · 1 establishment unit since 2021
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.
Rue des Cotillages 1854000 LiègeGround area
453 m²
Building footprint
45 m²
Parcel 62818E0960/00W000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Humilitas
since 20212.324.830.969
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62818E0960/00W000 | Wallonia | 453 m² | 1 · 45 m² | - |
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
CONSULTAM
BE 0742.912.112
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Huazai Sushi
BE 1006.825.950
Herstal · Eq €19k
ZKR Consulting
BE 1029.210.976
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Vilensa
BE 0739.945.593
Deinze · Eq €19k
N WOLF SOLUTIONS
BE 0764.868.358
Ramillies · Eq €19k
Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 30,167 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62020IT consultancy
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.