Vanhumbeeck Frères
ActiveVanhumbeeck Frères has been active since 1962 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.62M and a net result of €116k. Equity is shrinking by ~5.5% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▲+45
Solvency76▲+4
Growth27▲+3
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160k at 30 days acceptable
Liquidity tight (current ratio 1.42 against 1.29 in 2024; short-term debt: 42.5% and cash: 3.6% of total assets), and 49.4% 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 · 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
50.6%
Return on assets
2.2%
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
49 d early
2023
16 d early
2022
11 d early
2021
31 d late
2020
36 d early
2019
28 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, unclassified schema
Turnover
€10.57M▲ 8.9%
2024 · €9.71M
2018: €15.78M
2019: €9.80M
2020: €9.79M
2021: €11.10M
2022: €11.53M
2023: €10.52M
2024: €9.71M
2018 → 2025
EBIT margin
-1.6%▲ 5.5pp
2024 · -7.1%
2018: 10.9%
2019: 0.8%
2020: 2.7%
2021: 1.8%
2022: 3.3%
2023: -0.8%
2024: -7.1%
2018 → 2025
Net result
€116k
2024 · €-450k
2018: €1.20M
2019: €98k
2020: €235k
2021: €245k
2022: €367k
2023: €-868k
2024: €-450k
2018 → 2025
Working capital
€932k▲ 28.5%
2024 · €725k
2018: €1.54M
2019: €1.67M
2020: €1.55M
2021: €1.83M
2022: €2.03M
2023: €973k
2024: €725k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€11.10M-€11.53M▲ 3.8%€10.52M▼ 8.7%€9.71M▼ 7.7%€10.57M▲ 8.9%
Equity€4.55M-€4.92M▲ 8.1%€3.05M▼ 38.0%€2.60M▼ 14.7%€2.62M▲ 0.6%
Operating result€195k-€382k▲ 95.8%€-89k€-690k▼ 677%€-170k▲ 75.4%
Net result€245k-€367k▲ 49.8%€-868k€-450k▲ 48.2%€116k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €170k in 2025 against €690k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.17M
Fixed assets
€2.04M▼ 12.1%
Current assets
€3.13M▼ 2.7%
Equity and liabilities €5.17M
Equity
€2.62M▲ 0.6%
Debt
€2.56M▼ 13.1%
The debt ratio falls from 53.1% to 49.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€188k▲
2024 · €-266k
Cash flow
€474k▲
2024 · €-25k
Solvency
50.6%▲
2024 · 46.9%
Current ratio
1.42▲
2024 · 1.29
Quick ratio
0.59▲
2024 · 0.55
Debt / equity
0.98▼
2024 · 1.13
ROE
4.4%▲
2024 · -17.3%
ROA
2.2%▲
2024 · -8.1%
Interest coverage
5.48▲
2024 · -6.20
Debt
€2.56M▼
2024 · €2.94M
Debt ≤ 1 year
€2.20M▼
2024 · €2.49M
Debt > 1 year
€336k▼
2024 · €437k
Income taxes
€2k
Staff costs
€1.84M▲
2024 · €1.80M
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€5.54M€5.17M▼
Fixed assets21/28€2.32M€2.04M▼
Intangible fixed assets21€24k€27k▲
Tangible fixed assets22/27€1.30M€1.01M▼
Plant, machinery and equipment23€120k€66k▼
Furniture and vehicles24€19k€53k▲
Leasing and similar rights25€812k€540k▼
Other tangible fixed assets26€345k€353k▲
Financial fixed assets28€1.00M€1.00M=
Affiliated companies280/1€999k€999k=
Participating interests280€999k€999k=
Other financial fixed assets284/8€2k€2k=
Amounts receivable and cash guarantees285/8€2k€2k=
Current assets29/58€3.22M€3.13M▼
Stocks and contracts in progress3€1.85M€1.84M▼
Stocks30/36€1.85M€1.84M▼
Goods purchased for resale34€1.85M€1.84M▼
Amounts receivable within one year40/41€918k€984k▲
Trade receivables40€699k€676k▼
Other amounts receivable41€219k€308k▲
Cash at bank and in hand54/58€323k€185k▼
Deferred charges and accrued income490/1€124k€125k▲
Equity and liabilities
Total equity and liabilities10/49€5.54M€5.17M▼
Equity10/15€2.60M€2.62M▲
Contributions10/11€540k€540k=
Reserves13€909k€909k=
Non-distributable reserves130/1€336k€336k=
Reserves not available under the articles1311€146k€146k=
Other1319€190k€190k=
Distributable reserves133€573k€573k=
Profit (loss) carried forward14€1.15M€1.17M▲
Amounts payable17/49€2.94M€2.56M▼
Amounts payable after more than one year17€437k€336k▼
Financial debts170/4€287k€186k▼
Leasing and similar obligations172€287k€186k▼
Trade debts175€150k€150k=
Suppliers1750€150k€150k=
Amounts payable within one year42/48€2.49M€2.20M▼
Current portion of amounts payable after more than one year42€320k€185k▼
Financial debts43-€80k
Credit institutions430/8-€80k
Trade debts44€634k€727k▲
Suppliers440/4€634k€727k▲
Advances received on contracts in progress46€155k€147k▼
Taxes, remuneration and social security45€294k€291k▼
Taxes450/3€96k€85k▼
Remuneration and social security454/9€197k€205k▲
Other amounts payable47/48€1.09M€769k▼
Accrued charges and deferred income492/3€10k€20k▲
Income statement
Code20242025
Operating income70/76A€9.76M€10.62M▲
Turnover70€9.71M€10.57M▲
Other operating income74€52k€41k▼
Non-recurring operating income76A-€11k
Operating charges60/66A€10.45M€10.79M▲
Goods for resale, raw materials and consumables60€6.92M€7.09M▲
Purchases600/8€6.72M€7.08M▲
Change in stocks: decrease (increase)609€201k€17k▼
Services and other goods61€1.28M€1.42M▲
Remuneration, social security and pensions62€1.80M€1.84M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€425k€357k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€8k€54k▲
Other operating charges640/8€16k€24k▲
Non-recurring operating charges66A€6k-
Operating profit (loss)9901€-690k€-170k▲
Financial income75/76B€314k€355k▲
Recurring financial income75€314k€355k▲
Income from financial fixed assets750€189k€242k▲
Other financial income752/9€125k€113k▼
Financial charges65/66B€73k€66k▼
Recurring financial charges65€73k€66k▼
Debt charges650€43k€34k▼
Other financial charges652/9€31k€32k▲
Profit (loss) for the period before taxes9903€-450k€119k▲
Income taxes67/77-€2k
Taxes670/3-€2k
Profit (loss) for the period9904€-450k€116k▲
Profit (loss) for the period to be appropriated9905€-450k€116k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.15M€1.27M▲
Profit (loss) brought forward from the previous period14P€1.60M€1.15M▼
Profit to be distributed694/7-€100k
Return on contributions (dividend)694-€100k
Social balance
Average headcount (FTE)908733.833.5▼
The notes to these accounts (65 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
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · unclassified schema
2025
31-12
Financial
Back to profitnet €116k
Net result €116k after 2 loss-making years.
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
31-12
Financial
Weakest financial yearnet €-868k ▼336%
Net result drops to €-868k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema · 31 days late
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Brussel · 1 establishment unit since 1962
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.
Vilvoordselaan 1001000 BrusselGround area
6,366 m²
Building footprint
1,354 m²
Volume, LiDAR
11,012 m³
Parcel 21813I0048/00N000, Brussels · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Vilvoordselaan 100, 1000 Brussel
since 19622.004.662.277
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21813I0048/00N000 | Brussels | 6,366 m² | 1 · 1,354 m² | 10.8 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.004.662.277
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Of 858 companies in sector 46832 we hold annual accounts for 588. 390 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-07-1962
Fiscal year end31-12
Activities, NACEBEL
46832Wholesale of timber
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.