De Bouwmeesters Heremans
ActiveDe Bouwmeesters Heremans has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €145k and a net result of €7k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 47% of 7376 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability43▼-16
Solvency66▲+10
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.92 against 1.69 in 2024; short-term debt: 38.6% and cash: 0.2% of total assets), but 59.3% 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 · 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 · 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
40.7%
Return on assets
2.1%
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
51 d early
2023
21 d early
2022
39 d early
2021
33 d early
2020
122 d late
2019
122 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€145k▲ 5.4%
2024 · €138k
2018: €53k
2019: €84k
2020: €145k
2021: €156k
2022: €100k
2023: €117k
2024: €138k
2018 → 2025
Total assets
€356k▼ 18.5%
2024 · €438k
2018: €275k
2019: €330k
2020: €403k
2021: €458k
2022: €442k
2023: €436k
2024: €438k
2018 → 2025
Net result
€7k▼ 63.4%
2024 · €20k
2018: €15k
2019: €31k
2020: €61k
2021: €12k
2022: €-56k
2023: €17k
2024: €20k
2018 → 2025
Working capital
€126k▼ 13.4%
2024 · €146k
2018: €96k
2019: €123k
2020: €159k
2021: €183k
2022: €163k
2023: €158k
2024: €146k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€156k-€100k▼ 36.0%€117k▲ 17.4%€138k▲ 17.3%€145k▲ 5.4%
Operating result€27k-€-40k€40k€32k▼ 20.6%€22k▼ 30.5%
Net result€12k-€-56k€17k€20k▲ 17.0%€7k▼ 63.4%
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 has fallen two years in a row; 2025 is 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €356k
Fixed assets
€93k▲ 15.9%
Current assets
€263k▼ 26.3%
Equity and liabilities €356k
Equity
€145k▲ 5.4%
Debt
€212k▼ 29.5%
The debt ratio falls from 68.6% to 59.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€50k▼
2024 · €55k
Cash flow
€36k▼
2024 · €43k
Solvency
40.7%▲
2024 · 31.4%
Current ratio
1.92▲
2024 · 1.69
Quick ratio
1.85▲
2024 · 1.62
Debt / equity
1.46▼
2024 · 2.18
ROE
5.1%▼
2024 · 14.8%
ROA
2.1%▼
2024 · 4.6%
Interest coverage
2.55▼
2024 · 4.11
Debt
€212k▼
2024 · €300k
Debt ≤ 1 year
€137k▼
2024 · €212k
Debt > 1 year
€74k▼
2024 · €88k
Income taxes
€5k▼
2024 · €7k
Staff costs
€166k▼
2024 · €181k
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€438k€356k▼
Fixed assets21/28€80k€93k▲
Tangible fixed assets22/27€80k€93k▲
Plant, machinery and equipment23€66k€53k▼
Furniture and vehicles24€15k€6k▼
Leasing and similar rights25-€35k
Financial fixed assets28€50€50=
Current assets29/58€357k€263k▼
Stocks and contracts in progress3€14k€9k▼
Stocks30/36€14k€9k▼
Amounts receivable within one year40/41€317k€248k▼
Trade receivables40€148k€57k▼
Other amounts receivable41€168k€191k▲
Cash at bank and in hand54/58€21k€811▼
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€438k€356k▼
Equity10/15€138k€145k▲
Contributions10/11€135k€135k=
Reserves13€21k€21k=
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Distributable reserves133€16k€16k=
Profit (loss) carried forward14€-19k€-11k▲
Amounts payable17/49€300k€212k▼
Amounts payable after more than one year17€88k€74k▼
Financial debts170/4€88k€74k▼
Amounts payable within one year42/48€212k€137k▼
Current portion of amounts payable after more than one year42€50k€49k▼
Financial debts43-€7k
Credit institutions430/8-€7k
Trade debts44€138k€40k▼
Suppliers440/4€138k€40k▼
Taxes, remuneration and social security45€24k€42k▲
Taxes450/3€10k€21k▲
Remuneration and social security454/9€14k€20k▲
Income statement
Code20242025
Remuneration, social security and pensions62€181k€166k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€28k▲
Other operating charges640/8€43k€10k▼
Gross operating margin9900€279k€227k▼
Operating profit (loss)9901€32k€22k▼
Financial income75/76B€9k€10k▲
Recurring financial income75€9k€10k▲
Financial charges65/66B€13k€20k▲
Recurring financial charges65€13k€20k▲
Profit (loss) for the period before taxes9903€28k€12k▼
Income taxes67/77€7k€5k▼
Profit (loss) for the period9904€20k€7k▼
Profit (loss) for the period to be appropriated9905€20k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-11k▲
Profit (loss) brought forward from the previous period14P€-39k€-19k▲
The notes to these accounts (16 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
15-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
31-12
Financial
Equity above €100kEq €117k ▲17.4%
Equity rises from €100k to €117k.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-56k ▼588%
Net result drops to €-56k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €156k ▲8%
4 profitable years in a row build equity to €156k.
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 122 days late
2020
31-12
Financial
Highest result since 2018net €61k ▲94.9%
Operating result €83k, net result €61k, both a record.
31-12
Financial
Equity above €100kEq €145k ▲72.2%
3 profitable years in a row build equity to €145k.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
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
3 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, Tremelo · 1 establishment unit since 1999
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.
Veldonkstraat 2283120 TremeloGround area
952 m²
Building footprint
240 m²
Volume, LiDAR
910 m³
Parcel 24109C0529/00S003, Flanders · tallest building 10.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ALGEMEEN BOUWBEDRIJF HEREMANS
since 19992.091.159.256
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24109C0529/00S003 | Flanders | 952 m² | 1 · 240 m² | 10.3 m · 1 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.
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NICKA
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MATE GROUP CONSTRUCT
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BDW CONCEPT
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Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 12,690 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-04-1999
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.