Humphry's
ActiveThe computed 12-month bankruptcy probability of Humphry's is 1.5% (moderate). The 2025 annual accounts show equity of €401k and a net result of €74k. Equity is growing by ~38.7% per year across the filed fiscal years. Its solvency ranks better than 76% of 2149 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
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
Profitability92▼-8
Solvency99▼-1
Growth78=
Stability100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.79 against 3.27 in 2024), and 35.7% 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
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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
64.3%
Return on assets
11.8%
Age of the figures
8 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 23-07-2026, 8 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
8 d early
2024
on the day
2023
21 d early
2022
25 d late
2021
94 d early
2020
50 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€494k
EBIT margin
2.4%
Net result
€74k▼ 17.0%
2024 · €89k
2020: €4k
2021: €23k
2022: €125k
2023: €72k
2024: €89k
2020 → 2025
Working capital
€373k▲ 24.0%
2024 · €300k
2020: €52k
2021: €24k
2022: €150k
2023: €214k
2024: €300k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€166k▲ 300%€238k▲ 43.3%€327k▲ 37.4%€401k▲ 22.6%
Operating result€37k-€184k▲ 397%€106k▼ 42.7%€145k▲ 36.6%€121k▼ 16.5%
Net result€23k-€125k▲ 448%€72k▼ 42.3%€89k▲ 23.8%€74k▼ 17.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €624k
Fixed assets
€43k▼ 18.0%
Current assets
€581k▲ 34.3%
Equity and liabilities €624k
Equity
€401k▲ 22.6%
Debt
€223k▲ 41.3%
The debt ratio rises from 32.5% to 35.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€136k▼
2024 · €159k
Cash flow
€89k▼
2024 · €104k
Solvency
64.3%▼
2024 · 67.5%
Current ratio
2.79▼
2024 · 3.27
Quick ratio
2.48▼
2024 · 2.77
Debt / equity
0.56▲
2024 · 0.48
ROE
18.4%▼
2024 · 27.2%
ROA
11.8%▼
2024 · 18.4%
Interest coverage
10.36▼
2024 · 12.08
Debt
€223k▲
2024 · €158k
Debt ≤ 1 year
€208k▲
2024 · €132k
Debt > 1 year
€14k▼
2024 · €25k
Income taxes
€36k▼
2024 · €44k
Staff costs
€154k▲
2024 · €122k
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€485k€624k▲
Fixed assets21/28€52k€43k▼
Intangible fixed assets21€2k€571▼
Tangible fixed assets22/27€50k€41k▼
Plant, machinery and equipment23€34k€32k▼
Furniture and vehicles24€4k€4k▲
Leasing and similar rights25€7k€552▼
Other tangible fixed assets26€6k€5k▼
Financial fixed assets28€455€849▲
Current assets29/58€433k€581k▲
Stocks and contracts in progress3€67k€65k▼
Stocks30/36€21k€36k▲
Contracts in progress37€45k€29k▼
Amounts receivable within one year40/41€224k€241k▲
Trade receivables40€184k€174k▼
Other amounts receivable41€40k€67k▲
Cash at bank and in hand54/58€137k€262k▲
Deferred charges and accrued income490/1€5k€13k▲
Equity and liabilities
Total equity and liabilities10/49€485k€624k▲
Equity10/15€327k€401k▲
Contributions10/11€20k€20k=
Reserves13€307k€381k▲
Distributable reserves133€307k€381k▲
Amounts payable17/49€158k€223k▲
Amounts payable after more than one year17€25k€14k▼
Financial debts170/4€17k€6k▼
Other amounts payable178/9€8k€8k=
Amounts payable within one year42/48€132k€208k▲
Current portion of amounts payable after more than one year42€18k€17k▼
Financial debts43€31k€17k▼
Credit institutions430/8€31k€17k▼
Trade debts44€67k€144k▲
Suppliers440/4€67k€144k▲
Taxes, remuneration and social security45€15k€29k▲
Taxes450/3€11k€10k▼
Remuneration and social security454/9€4k€19k▲
Other amounts payable47/48€1k€1k▲
Accrued charges and deferred income492/3€255€159▼
Income statement
Code20242025
Remuneration, social security and pensions62€122k€154k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▲
Other operating charges640/8€4k€2k▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€285k€294k▲
Operating profit (loss)9901€145k€121k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€13k€13k▼
Recurring financial charges65€13k€13k▼
Profit (loss) for the period before taxes9903€133k€110k▼
Income taxes67/77€44k€36k▼
Profit (loss) for the period9904€89k€74k▼
Profit (loss) for the period to be appropriated9905€89k€74k▼
Appropriation of the result
Profit (loss) to be appropriated9906€89k€74k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€89k€74k▼
To other reserves6921€89k€74k▼
Social balance
Average headcount (FTE)90873.33.0▼
The notes to these accounts (22 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
31-08
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 2026-08-04
- Registered-office move, Legen Heirweg 47, 9890 Gavere
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €238k ▲43.3%
4 profitable years in a row build equity to €238k.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Highest result since 2020net €125k ▲448%
Operating result €184k, net result €125k, both a record.
31-12
Financial
Equity above €150kEq €166k ▲300%
3 profitable years in a row build equity to €166k.
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Gavere · 1 establishment unit since 2019
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.
Legen Heirweg 479890 GavereGround area
4,040 m²
Building footprint
330 m²
Volume, LiDAR
1,833 m³
Parcel 44003A0198/00C000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Humphry's
since 20192.289.206.730
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44003A0198/00C000 | Flanders | 4,040 m² | 1 · 330 m² | 9.1 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 2,372 EUR awarded · 2,574 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,485 EUR | 1,485 EUR |
| 2024 | 1 | 684 EUR | 886 EUR |
| 2023 | 1 | 203 EUR | 203 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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ALGEMENE SCHRIJN- EN TIMMERWERKEN RAATS
BE 0454.844.183
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WINANDY CONSTRUCTION
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Theux · Eq €401k
Of 29,551 companies in sector 41001 we hold annual accounts for 15,874. 9,956 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-05-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43320Joinery installation
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.