HM CONCEPT srl

Active

Private limited companyfounded 2020active for 6 yearsViville, rue de Metzert 19, 6700 Arlon, BelgiumKBO/BCE: BE 0745.566.744

From the official registers: KBO 5 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

HM CONCEPT srl has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €225,862 and a net result of €40,042, of which €20,178 non-recurring income. Equity is growing by about 24% per year across the filed financial years. Its solvency ranks better than 70% of 9,368 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Risk analysisFollow Report Compare

HM CONCEPT srlActiveChecked score 71/100

Risk analysis Report Compare

Official details

KBO

Status: Active since 22-03-2020 Normal situation
Legal form: Private limited company
Registered office: Viville, rue de Metzert 19, 6700 Arlon
Activity: General construction of other non-residential buildings NACE 41003and 5 others
Establishment unit: 2.303.105.345 6700 Arlon, since 01-05-2020
Financial year end: 31 December
Peppol: Reachable since 30-09-2025

Company details

Who decides

Board

HABARU MarcDirector

Board & ownership

How it is doing

71 Healthy Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.7%

Annual accounts 2025

Gross margin: €370,499; ▲ 3.3%
Turnover: ≈ €880,000; estimated
Profit: €40,042; ▲ 8.3%
Equity: €225,862; ▲ 21.5%
Total assets: €367,305; ▼ 8.9%
Staff: 5.3 FTE; ▼ 8.6%

2025 accounts filed 31 days late

Filed on 31-08-2026at the National Bank

Financials

Why 71raises riskLast filed accounts filed 31 days late; 3 of the last 3 lateSector: Construction of residential and non-residential buildings (NACE 41)lowers riskLiquidity: current ratio 2.71, cash €152,896Equity €225,862 (61.5% of total assets)Show the evidence

Checked score

Score 2025

71 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Financially better than 73% of its sector peers (NACE 41, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 86+15

equity 61.5% of total assets

Liquidity 90+31

short-term debt 26.0% · cash 41.6%

Profitability 82+2

return on assets 10.9%

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,451 companies, NACE 41, micro)

Last 24 months 11-2024: 3.0% 12-2024: 3.9%▲ +0.9 percentage points vs 11-2024 01-2025: 3.1%▼ -0.8 percentage points vs 12-2024 02-2025: 3.1%● unchanged vs 01-2025 03-2025: 3.1%● unchanged vs 02-2025 04-2025: 3.2%▲ +0.1 percentage points vs 03-2025 05-2025: 3.1%▼ -0.1 percentage points vs 04-2025 06-2025: 3.1%● unchanged vs 05-2025 07-2025: 2.9%▼ -0.2 percentage points vs 06-2025 08-2025: 3.7%▲ +0.8 percentage points vs 07-2025 09-2025: 4.0%▲ +0.3 percentage points vs 08-2025highest value 10-2025: 1.6%▼ -2.4 percentage points vs 09-2025 11-2025: 1.5%▼ -0.1 percentage points vs 10-2025 12-2025: 1.5%● unchanged vs 11-2025 01-2026: 1.5%● unchanged vs 12-2025 02-2026: 1.5%● unchanged vs 01-2026 03-2026: 1.6%▲ +0.1 percentage points vs 02-2026 04-2026: 1.6%● unchanged vs 03-2026 05-2026: 1.6%● unchanged vs 04-2026 06-2026: 1.3%▼ -0.3 percentage points vs 05-2026 07-2026: 1.3%● unchanged vs 06-2026 08-2026: 1.7%▲ +0.4 percentage points vs 07-2026 09-2026: 0.7%▼ -1.0 percentage point vs 08-2026lowest value 10-2026: 0.7%● unchanged vs 09-2026lowest value

Credit of up to €16,000 on 30-day terms is acceptable

Liquidity ample (current ratio 2.71, compared with 1.85 in 2024, above the usual 1.5; short-term debt: 26% and cash: 41.6% of total assets), and 38.5% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro): better than 70% on solvency, 91% on liquidity, 65% on profitability and 65% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises risk

Liquidity: current ratio 2.71, cash €152,896

NBB · annual accounts

Last filed accounts filed 31 days late; 3 of the last 3 late

NBB · filings

Sector: Construction of residential and non-residential buildings (NACE 41)

KBO

Equity €225,862 (61.5% of total assets)

NBB · annual accounts

2025 accounts filed 31 days late

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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 5 filings

Deviation from the deadline

2025

31 days late

2024

32 days late

2023

148 days late

2022

32 days late

2020

122 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 73 days after the deadline; the sector median (NACE 41) for financial year 2024 is on the deadline day, and 46% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 September (4 of the last 5 filed years within 90 days of that day).

Companies Code · seven months

Where today falls in the filing period

01-11-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

Key points

Positive: Among the best 11% on equitysector median €45,643 · 9,371 companies €225,862 View

Documents

Key facts about HM CONCEPT srl

What is the company number of HM CONCEPT srl?: 0745.566.744. In Belgium the VAT number is the company number with BE in front: BE 0745.566.744.
Where is HM CONCEPT srl based?: The registered office is at Viville, rue de Metzert 19, 6700 Arlon.Company details
What does HM CONCEPT srl do?: According to the KBO register, the main activity is general construction of other non-residential buildings (NACE 41003).
What is the legal form of HM CONCEPT srl?: Private limited company (BV).
When was HM CONCEPT srl founded?: On 22-03-2020.
Is HM CONCEPT srl still active?: Yes, HM CONCEPT srl is an active enterprise in the KBO register.
How many employees does HM CONCEPT srl have?: On average 5.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of HM CONCEPT srl?: ≈ €880,000 in financial year 2025. Estimated from the gross margin of €370,499: probably between €680,000 and €1.4m, based on 60 comparable companies, NACE 410. In financial year 2022 turnover was €816,628.
Is HM CONCEPT srl profitable?: In financial year 2025, HM CONCEPT srl made a profit of €40,042.
Where can I find the annual accounts of HM CONCEPT srl?: HM CONCEPT srl filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of HM CONCEPT srl due?: By 31-07-2027, for financial year 2026.Timeline