HEMACO BELGIUM
ActiveHEMACO BELGIUM has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €98k and a net result of €-37. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 89% of 26056 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
70
/ 100
Healthy▼ -24 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-11
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 4.93 against 6.35 in 2023), and 18.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 47
Relative position
BE, all sectors
reference
Sector 47
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
81.8%
Return on assets
0%
Age of the figures
20 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-08-2026, 370 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
370 d late
2023
105 d late
2022
28 d early
2021
27 d early
2020
2 d late
2019
35 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€98k=
2023 · €98k
2018: €84k
2019: €88k
2020: €89k
2021: €94k
2022: €96k
2023: €98k
2018 → 2024
Total assets
€120k▲ 3.3%
2023 · €116k
2018: €100k
2019: €96k
2020: €108k
2021: €111k
2022: €112k
2023: €116k
2018 → 2024
Net result
€-37
2023 · €2k
2018: €-4k
2019: €4k
2020: €2k
2021: €5k
2022: €2k
2023: €2k
2018 → 2024
Working capital
€86k▲ 0.1%
2023 · €86k
2018: €68k
2019: €75k
2020: €77k
2021: €83k
2022: €86k
2023: €86k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€89k-€94k▲ 5.6%€96k▲ 1.6%€98k▲ 2.2%€98k=
Operating result€2k-€6k▲ 209%€2k▼ 65.9%€2k▼ 7.3%€272▼ 84.5%
Net result€2k-€5k▲ 211%€2k▼ 69.7%€2k▲ 39.9%€-37
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 84% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €120k
Fixed assets
€12k▼ 14.4%
Current assets
€108k▲ 5.8%
Equity and liabilities €120k
Equity
€98k=
Debt
€22k▲ 21.4%
The debt ratio rises from 15.5% to 18.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€3k▼
2023 · €4k
Cash flow
€3k▼
2023 · €5k
Solvency
81.8%▼
2023 · 84.5%
Current ratio
4.93▼
2023 · 6.35
Quick ratio
1.44▼
2023 · 1.60
Debt / equity
0.22▲
2023 · 0.18
ROE
0.0%▼
2023 · 2.2%
ROA
0.0%▼
2023 · 1.8%
Interest coverage
9.53▼
2023 · 11.91
Debt
€22k▲
2023 · €18k
Debt ≤ 1 year
€22k▲
2023 · €16k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€116k€120k▲
Fixed assets21/28€14k€12k▼
Tangible fixed assets22/27€14k€12k▼
Land and buildings22€4k€3k▼
Furniture and vehicles24€2k€2k▲
Other tangible fixed assets26€8k€7k▼
Financial fixed assets28€99-
Current assets29/58€102k€108k▲
Stocks and contracts in progress3€76k€76k=
Stocks30/36€76k€76k=
Amounts receivable within one year40/41€13k€15k▲
Trade receivables40€13k€15k▲
Other amounts receivable41-€5
Cash at bank and in hand54/58€12k€15k▲
Deferred charges and accrued income490/1€243€2k▲
Equity and liabilities
Total equity and liabilities10/49€116k€120k▲
Equity10/15€98k€98k=
Contributions10/11€10k€10k=
Reserves13€87k€87k=
Non-distributable reserves130/1€2k€2k=
Other1319€2k€2k=
Tax-exempt reserves132€56k€56k=
Distributable reserves133€30k€30k=
Profit (loss) carried forward14€557€519▼
Amounts payable17/49€18k€22k▲
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€16k€22k▲
Current portion of amounts payable after more than one year42€3k€2k▼
Trade debts44€7k€12k▲
Suppliers440/4€7k€12k▲
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48€4k€6k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€1k-
Other operating charges640/8€116€417▲
Gross operating margin9900€6k€4k▼
Operating profit (loss)9901€2k€272▼
Financial income75/76B€746€47▼
Recurring financial income75€746€47▼
Financial charges65/66B€374€357▼
Recurring financial charges65€374€357▼
Profit (loss) for the period before taxes9903€2k€-37▼
Income taxes67/77€2-
Profit (loss) for the period9904€2k€-37▼
Profit (loss) for the period to be appropriated9905€2k€-37▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€519▼
Profit (loss) brought forward from the previous period14P€435€557▲
Transfer to equity691/2€2k-
To other reserves6921€2k-
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 370 days late
2024
13-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 105 days late
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €5k ▲211%
Operating result €6k, net result €5k, both a record.
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
26-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
30-09
Financial
Liquidity doublescurrent ratio 10.73
Current ratio from 5.27 to 10.73; short-term debt falls from €16k to €8k.
26-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
04-03
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Zemst · 1 establishment unit since 2000
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.
Heymansstraat 401981 ZemstGround area
886 m²
Building footprint
184 m²
Volume, LiDAR
1,356 m³
Parcel 23034B0101/00S004, Flanders · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
S.D.T.
since 20002.101.027.621
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23034B0101/00S004 | Flanders | 886 m² | 1 · 184 m² | 10.7 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.
Similar companies · same sector, comparable size
U.R.M.T. BOUW
BE 0600.898.964
Antwerpen · Eq €98k
’t Lelieblad
BE 0770.508.414
Kalmthout · Eq €97k
CLAES CENTER WOONDECOR
BE 0439.218.572
Heist-op-den-Berg · Eq €99k
Coutellerie ANDRE
BE 0425.489.114
Liège · Eq €99k
MATERIS
BE 0719.795.131
Brussel · Eq €96k
Of 1,708 companies in sector 47521 we hold annual accounts for 1,275. 823 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2000
Fiscal year end31-12
Activities, NACEBEL
47521Retail sale of hardware, building materials, paint and glass (general range)
60242
46130Agents in the wholesale of timber and building materials
47120Other non-specialised retail sale
47910Retail trade
49410Freight transport by road
49420Removal services
60241
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.