HNM Consulting
ActiveHNM Consulting has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €513k and a net result of €48k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 86% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability79▲+2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days only on tighter terms
Liquidity ample (current ratio 9.21 against 12.53 in 2023; short-term debt: 10.8% and cash: 6.9% of total assets), and 10.8% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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 2024Solvency, return and age of the figures
Solvency
89.2%
Return on assets
8.4%
Age of the figures
21 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 30-10-2025, 91 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
91 d late
2023
152 d late
2022
59 d late
2021
121 d late
2020
88 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€513k▲ 10.4%
2023 · €464k
2018: €237k
2019: €284k
2020: €325k
2021: €377k
2022: €386k
2023: €464k
2018 → 2024
Total assets
€575k▲ 14.0%
2023 · €505k
2018: €573k
2019: €507k
2020: €545k
2021: €582k
2022: €576k
2023: €505k
2018 → 2024
Net result
€48k▼ 26.4%
2023 · €66k
2018: €21k
2019: €46k
2020: €41k
2021: €52k
2022: €10k
2023: €66k
2018 → 2024
Working capital
€511k▲ 10.1%
2023 · €464k
2018: €187k
2019: €264k
2020: €304k
2021: €354k
2022: €367k
2023: €464k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€325k-€377k▲ 15.8%€386k▲ 2.5%€464k▲ 20.2%€513k▲ 10.4%
Operating result€16k-€56k▲ 245%€9k▼ 84.6%€78k▲ 796%€49k▼ 36.9%
Net result€41k-€52k▲ 24.3%€10k▼ 81.5%€66k▲ 590%€48k▼ 26.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 37% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €575k
Fixed assets
€2k▲ 261%
Current assets
€573k▲ 13.7%
Equity and liabilities €575k
Equity
€513k▲ 10.4%
Debt
€62k▲ 54.7%
The debt ratio rises from 8.0% to 10.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€49k▼
2023 · €78k
Cash flow
€49k▼
2023 · €66k
Solvency
89.2%▼
2023 · 92.0%
Current ratio
9.21▼
2023 · 12.53
Quick ratio
9.21▼
2023 · 12.53
Debt / equity
0.12▲
2023 · 0.09
ROE
9.4%▼
2023 · 14.2%
ROA
8.4%▼
2023 · 13.0%
Interest coverage
136.99▲
2023 · 5.03
Debt
€62k▲
2023 · €40k
Debt ≤ 1 year
€62k▲
2023 · €40k
Income taxes
€16k▼
2023 · €19k
Staff costs
€9k
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€505k€575k▲
Fixed assets21/28€518€2k▲
Tangible fixed assets22/27€518€2k▲
Plant, machinery and equipment23€518€240▼
Furniture and vehicles24-€2k
Current assets29/58€504k€573k▲
Amounts receivable after more than one year29€280k€280k=
Other amounts receivable291€280k€280k=
Amounts receivable within one year40/41€204k€253k▲
Trade receivables40€23k€9k▼
Other amounts receivable41€181k€244k▲
Cash at bank and in hand54/58€20k€40k▲
Equity and liabilities
Total equity and liabilities10/49€505k€575k▲
Equity10/15€464k€513k▲
Contributions10/11€19k€19k=
Reserves13€82k€82k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€80k€80k=
Profit (loss) carried forward14€364k€412k▲
Amounts payable17/49€40k€62k▲
Amounts payable within one year42/48€40k€62k▲
Trade debts44€3k€10k▲
Suppliers440/4€3k€10k▲
Taxes, remuneration and social security45€37k€53k▲
Taxes450/3€37k€52k▲
Remuneration and social security454/9-€936
Income statement
Code20232024
Remuneration, social security and pensions62-€9k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€414€420▲
Other operating charges640/8€4k€1k▼
Gross operating margin9900€82k€60k▼
Operating profit (loss)9901€78k€49k▼
Financial income75/76B€23k€16k▼
Recurring financial income75€23k€16k▼
Financial charges65/66B€16k€360▼
Recurring financial charges65€16k€360▼
Profit (loss) for the period before taxes9903€85k€64k▼
Income taxes67/77€19k€16k▼
Profit (loss) for the period9904€66k€48k▼
Profit (loss) for the period to be appropriated9905€66k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€364k€412k▲
Profit (loss) brought forward from the previous period14P€298k€364k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 91 days late
2024
31-12
Financial
Equity above €500kEq €513k ▲10.4%
7 profitable years in a row build equity to €513k.
30-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 152 days late
2023
31-12
Financial
Highest result since 2018net €66k ▲590%
Operating result €78k, net result €66k, both a record.
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
31-12
Financial
Weakest financial yearnet €10k ▼81.5%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 121 days late
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
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, Lier · 1 establishment unit since 2011
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.
Zimmerplein 142500 LierGround area
53 m²
Building footprint
53 m²
Volume, LiDAR
424 m³
Parcel 12021K0093/00C000, Flanders · tallest building 13.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HNM Consulting
since 20112.205.336.174
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12021K0093/00C000 | Flanders | 53 m² | 1 · 53 m² | 13.0 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 8,346 EUR awarded · 8,346 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 5,136 EUR | 5,136 EUR |
| 2024 | 1 | 0 EUR | 1,605 EUR |
| 2023 | 1 | 3,210 EUR | 1,605 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 16,886 companies in sector 62100 we hold annual accounts for 8,777. 5,435 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2011
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.