Equity
HUMMUS paid out €75,328 in dividends in a year with a loss of €24,556.
HUMMUS paid out €75,328 in dividends in a year with a loss of €24,556.
From profit to loss in 2025, after a profit of €119,462 in 2024.
The micro format states no turnover.
In 2025, 8 people joined and 9 left.
Short-term debts rose from €66,950 to €157,131.
Lower net result than 94% of companies in head offices and management consultancy. Sector median €27,132 · 39,384 companies.
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 37% of them on solvency, 64% on liquidity, 29% on profitability and 23% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 3,440 companies had the same profile as HUMMUS has now. Each dot stands for 9 companies, two years later.
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of HUMMUS itself is lower: < 0.1% within 12 months. It rests on far more data about HUMMUS than the profile alone.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,440 companies, not a prediction for HUMMUS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is ample, with a current ratio of 2.64 (5.97 in 2024), above the usual 1.5. Short-term debt is 14.4% and cash 19.4% of total assets. However, 60.6% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 3 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| HUMMUS Mechelen | €1.1m | €166,426 | 39.4% | - |
| NATE MANAGEMENT Berlaar | €1.1m | €172,828 | 57.2% | - |
| Van Hulst Wim Brasschaat | €1.1m | €174,115 | 63.6% | - |
| LAMOON Arendonk | €1.0m | €174,458 | 17.4% | - |
| Hungry Hearts Holding Hove | €1.0m | €191,704 | 23.5% | - |
| C & C Managing Vorselaar | €1.1m | €198,007 | 75.4% | - |
| ID Consulting Bornem | €1.0m | €187,814 | 75.7% | - |
These companies have the same main activity as HUMMUS: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €963,000 and €1.1m, founded between 2016 and 2018.
HUMMUS files the micro format. That format states no turnover. The gross margin rose from €90,396 in 2018 to €166,426 in 2025.
The balance sheet grew most from 2020 to 2022 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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