SCHRIJNWERKERIJ VAN HUMBEECK
ActiveSummary
SCHRIJNWERKERIJ VAN HUMBEECK has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €235k and a net result of €36k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 84% of 276 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+9
Solvency100=
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 4.86 against 3.97 in 2024; short-term debt: 20.5% and cash: 21% of total assets), and 20.5% 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 · Long track record
A company with a long track record statistically fails less often than a young one.
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
79.5%
Return on assets
12.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 16
Relative position
BE, all sectors
reference
Sector 16
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €235k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
75 d late
2023
145 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
60 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€235k▲ 18.2%
2024 · €198k
2018: €199k
2019: €191k
2020: €191k
2021: €175k
2022: €184k
2023: €185k
2024: €198k
2018 → 2025
Total assets
€295k▲ 11.1%
2024 · €265k
2018: €274k
2019: €285k
2020: €268k
2021: €291k
2022: €259k
2023: €262k
2024: €265k
2018 → 2025
Net result
€36k▲ 164%
2024 · €14k
2018: €-5k
2019: €-8k
2020: €266
2021: €-17k
2022: €9k
2023: €836
2024: €14k
2018 → 2025
Working capital
€233k▲ 18.3%
2024 · €197k
2018: €154k
2019: €167k
2020: €177k
2021: €165k
2022: €177k
2023: €183k
2024: €197k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€175k-€184k▲ 5.3%€185k▲ 0.5%€198k▲ 7.4%€235k▲ 18.2%
Operating result€-16k-€10k€1k▼ 87.1%€14k▲ 1,030%€36k▲ 159%
Net result€-17k-€9k€836▼ 91.0%€14k▲ 1,536%€36k▲ 164%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 159% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €295k
Fixed assets
€2k ▼ 27.3%
Current assets
€293k ▲ 11.5%
Equity and liabilities €295k
Equity
€235k ▲ 18.2%
Debt
€60k ▼ 9.8%
Debt's share of the balance-sheet total falls from 25.2% to 20.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37k▲
2024 · €15k
Cash flow
€37k▲
2024 · €15k
Current ratio
4.86▲
2024 · 3.97
Quick ratio
4.22▲
2024 · 3.33
Debt to equity
0.26▼
2024 · 0.34
ROE
15.4%▲
2024 · 6.9%
ROA
12.2%▲
2024 · 5.2%
Interest coverage
90.09▲
2024 · 44.60
Debt ≤ 1 year
€60k▼
2024 · €66k
Income taxes
€49▼
2024 · €142
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€265k€295k▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Plant, machinery and equipment23€717€516▼
Furniture and vehicles24€339€304▼
Other tangible fixed assets26€1k€729▼
Financial fixed assets28€50€50=
Current assets29/58€263k€293k▲
Stocks and contracts in progress3€42k€38k▼
Stocks30/36€42k€38k▼
Amounts receivable within one year40/41€180k€191k▲
Trade receivables40€180k€190k▲
Other amounts receivable41€125€79▼
Cash at bank and in hand54/58€39k€62k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€265k€295k▲
Equity10/15€198k€235k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€136k€173k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€130k€166k▲
Amounts payable17/49€67k€60k▼
Amounts payable within one year42/48€66k€60k▼
Trade debts44€9k€9k▲
Suppliers440/4€9k€9k▲
Taxes, remuneration and social security45€3k€823▼
Taxes450/3€3k€823▼
Other amounts payable47/48€55k€50k▼
Accrued charges and deferred income492/3€587-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€601▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€17k€38k▲
Operating profit (loss)9901€14k€36k▲
Financial income75/76B€83€99▲
Recurring financial income75€83€99▲
Financial charges65/66B€345€411▲
Recurring financial charges65€345€411▲
Profit (loss) for the period before taxes9903€14k€36k▲
Income taxes67/77€142€49▼
Profit (loss) for the period9904€14k€36k▲
Profit (loss) for the period to be appropriated9905€14k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€36k▲
Transfer to equity691/2€14k€36k▲
To other reserves6921€14k€36k▲
The notes to these accounts (6 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
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €36k ▲164%
Operating result €36k, net result €36k, both a record.
31-12
Financial
Equity above €200kEq €235k ▲18.2%
4 profitable years in a row build equity to €235k.
14-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 75 days late
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 145 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-17k ▼6339%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €266
Net result €266 after 2 loss-making years.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
Show earlier events
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ternat · 1 establishment unit since 1994
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.
Brusselstraat 381740 TernatGround area
138 m²
Parcel 23086C0112/00S000, Flanders. Linked by address, not a title deed.
1 establishment unit
Brusselstraat 38, 1740 Ternat
since 19942.066.955.380
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23086C0112/00S000 | Flanders | 138 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
Ets TROISFONTAINES Christian et fils
BE 0418.554.802
Liège · Eq €233,813
NEVES BELGIUM
BE 0438.883.329
Ninove · Eq €233,493
LDV Invest
BE 0432.609.211
Zemst · Eq €231,206
IN-TO
BE 0789.607.813
Wingene · Eq €231,119
SG
BE 0835.725.175
Duffel · Eq €238,442
Of 1,599 companies in sector 16230 we hold annual accounts for 783. 616 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded30-12-1993
Fiscal year end31-12
Activities, NACEBEL 2025
16230Manufacture of other builders' carpentry and joinery
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.