HEROMA
ActiveSummary
HEROMA has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €633k and a net result of €145k. Equity is growing by ~4.7% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2026
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability82▲+28
Solvency76▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 2.5 against 1.96 in 2025; short-term debt: 33.5% and cash: 11.4% of total assets), and 49.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 33
Relative position
BE, all sectors
reference
Sector 33
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 2026Solvency, return and age of the figures
Solvency
50.5%
Return on assets
11.6%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 09-07-2026, 114 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
114 d early
2025
57 d early
2024
58 d early
2023
56 d early
2022
67 d early
2021
158 d early
2020
43 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, abbreviated schema
Equity
€633k▲ 24.7%
2025 · €508k
2019: €426k
2021: €423k
2022: €423k
2023: €394k
2024: €452k
2025: €508k
2019 → 2026
Total assets
€1.25M▲ 2.6%
2025 · €1.22M
2019: €1.30M
2021: €1.22M
2022: €1.15M
2023: €1.10M
2024: €1.18M
2025: €1.22M
2019 → 2026
Net result
€145k▲ 160%
2025 · €56k
2019: €-147k
2021: €51k
2022: €120
2023: €-29k
2024: €58k
2025: €56k
2019 → 2026
Working capital
€630k▲ 28.2%
2025 · €491k
2019: €154k
2021: €413k
2022: €425k
2023: €413k
2024: €490k
2025: €491k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€423k-€394k▼ 6.9%€452k▲ 14.7%€508k▲ 12.4%€633k▲ 24.7%
Operating result€9k-€-10k€81k€85k▲ 5.8%€189k▲ 121%
Net result€120-€-29k€58k€56k▼ 3.5%€145k▲ 160%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed three years in a row; 2026 is 121% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €1.25M
Fixed assets
€203k ▼ 6.0%
Current assets
€1.05M ▲ 4.5%
Equity and liabilities €1.25M
Equity
€633k ▲ 24.7%
Debt
€619k ▼ 13.1%
Debt's share of the balance-sheet total falls from 58.4% to 49.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€205k▲
2025 · €103k
Cash flow
€161k▲
2025 · €74k
Current ratio
2.50▲
2025 · 1.96
Quick ratio
1.57▲
2025 · 1.14
Debt to equity
0.98▼
2025 · 1.40
ROE
23.0%▲
2025 · 11.0%
ROA
11.6%▲
2025 · 4.6%
Interest coverage
5.89▲
2025 · 3.51
Debt ≤ 1 year
€419k▼
2025 · €513k
Debt > 1 year
€200k=
2025 · €200k
Income taxes
€18k▲
2025 · €138
Staff costs
€376k▼
2025 · €377k
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 · 2026 against 2025 · 55 lines
Balance sheet
Code20252026
Assets
Total assets20/58€1.22M€1.25M▲
Fixed assets21/28€217k€203k▼
Tangible fixed assets22/27€214k€201k▼
Land and buildings22€200k€190k▼
Plant, machinery and equipment23€9k€9k▼
Furniture and vehicles24€4k€1k▼
Financial fixed assets28€3k€3k=
Current assets29/58€1.00M€1.05M▲
Stocks and contracts in progress3€419k€392k▼
Stocks30/36€419k€392k▼
Amounts receivable within one year40/41€202k€395k▲
Trade receivables40€202k€395k▲
Other amounts receivable41€9€0▼
Current investments50/53€108k€108k=
Cash at bank and in hand54/58€261k€143k▼
Deferred charges and accrued income490/1€14k€11k▼
Equity and liabilities
Total equity and liabilities10/49€1.22M€1.25M▲
Equity10/15€508k€633k▲
Contributions10/11€119k€119k=
Reserves13€275k€275k=
Non-distributable reserves130/1€108k€108k=
Own shares acquired1312€108k€108k=
Distributable reserves133€167k€167k=
Profit (loss) carried forward14€114k€239k▲
Amounts payable17/49€713k€619k▼
Amounts payable after more than one year17€200k€200k=
Financial debts170/4€200k€200k=
Amounts payable within one year42/48€513k€419k▼
Current portion of amounts payable after more than one year42€28k€28k▼
Financial debts43€350k€150k▼
Credit institutions430/8€350k€150k▼
Trade debts44€91k€141k▲
Suppliers440/4€91k€141k▲
Taxes, remuneration and social security45€43k€67k▲
Taxes450/3€14k€47k▲
Remuneration and social security454/9€29k€20k▼
Other amounts payable47/48€250€34k▲
Income statement
Code20252026
Remuneration, social security and pensions62€377k€376k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€16k▼
Other operating charges640/8€17k€13k▼
Gross operating margin9900€496k€594k▲
Operating profit (loss)9901€85k€189k▲
Financial income75/76B€90€9k▲
Recurring financial income75€90€9k▲
Financial charges65/66B€29k€35k▲
Recurring financial charges65€29k€35k▲
Profit (loss) for the period before taxes9903€56k€163k▲
Income taxes67/77€138€18k▲
Profit (loss) for the period9904€56k€145k▲
Profit (loss) for the period to be appropriated9905€56k€145k▲
Appropriation of the result
Profit (loss) to be appropriated9906€114k€259k▲
Profit (loss) brought forward from the previous period14P€58k€114k▲
Profit to be distributed694/7-€20k
Directors or managers695-€20k
Social balance
Average headcount (FTE)90875.25.6▲
The notes to these accounts (21 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 2027, expected by
2026
09-07
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
31-03
Financial
Highest result since 2019net €145k ▲160%
Operating result €189k, net result €145k, both a record.
2025
04-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Equity above €500kEq €508k ▲12.4%
2 profitable years in a row build equity to €508k.
2024
03-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Back to profitnet €58k
Net result €58k after one loss-making year.
2023
05-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
26-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Back to profitnet €51k
Net result €51k after one loss-making year.
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
07-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
07-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Merelbeke-Melle · 1 establishment unit since 1989
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.
Industriepark 19820 Merelbeke-MelleGround area
2,268 m²
Building footprint
1,729 m²
Volume, LiDAR
9,841 m³
Parcel 44413A0076/00A000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HEROMA
since 19892.041.532.274
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44413A0076/00A000 | Flanders | 2,268 m² | 1 · 1,729 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 · 2 entries · 1,418 EUR awarded · 1,418 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 345 EUR | 345 EUR |
| 2023 | 1 | 1,073 EUR | 1,073 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 887 companies in sector 33110 we hold annual accounts for 440. 262 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 formPrivate limited company
Founded15-12-1988
Fiscal year end31-03
Activities, NACEBEL 2025
29202Manufacture of motor vehicles, trailers and semi-trailers
33110Repair and maintenance of fabricated metal products
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.