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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of HO-MI is 2.6% (moderate). The 2024 annual accounts show equity of €4k and a net result of €-36k. Its solvency ranks better than 27% of 3354 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone2.6%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Annual accounts: weaker financial profile
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Trust signals
2 signalsYoung company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No administrative flags
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-36k
Working capital€-44k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 16-09-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 0.8% | 25.2% | |
| Net result | €-36k | €4k | |
| Equity | €4k | €23k | |
| Gross operating margin | €-22k | €19k | |
| Staff costs | €14k | €27k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | €-36k |
| Net profit | €-36k |
| Cash flow | €-36k |
| Staff costs | €14k |
| Income taxes | - |
| Dividends | - |
| Total assets | €449k |
| Equity | €4k |
| Debt | €446k |
| of which ≤ 1y | €446k |
| of which > 1y | - |
| Working capital | €-44k |
| Employees (FTE) | 0.8 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.90 |
| Quick ratio | 0.44 |
| Working capital ratio | -9.8% |
| Solvency | 0.8% |
| Debt / equity | 119.52 |
| Long-term debt ratio | - |
| Interest coverage | -310.82 |
| Gross margin | - |
| Net margin | - |
| ROA | -8.1% |
| ROE | -972.7% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €449k |
| Fixed assets | 21/28 | €48k |
| Tangible fixed assets | 22/27 | €48k |
| Current assets | 29/58 | €402k |
| Stocks & contracts in progress | 3 | €205k |
| Cash & bank | 54/58 | €197k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €449k |
| Equity | 10/15 | €4k |
| Contributions / capital | 10/11 | €40k |
| Accumulated profits (losses) | 14 | €-36k |
| Amounts payable | 17/49 | €446k |
| Amounts payable within one year | 42/48 | €446k |
| Trade debts payable within one year | 44 | €291k |
| Income statement | ||
| Gross operating margin | 9900 | €-22k |
| Operating result | 9901 | €-36k |
| Financial charges | 65 | €116 |
| Result before taxes | 9903 | €-36k |
| Net result for the period | 9904 | €-36k |
| Result to be appropriated | 9905 | €-36k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed5
/ 100
Critical
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
2 directorsFormer directors (2)
-
Former- → 08-11-2024
-
Former- → 08-11-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Groothandel in weefsels, stoffen en fournituren(46411) |
| Legal form | Private limited company(610) |
| Incorporation | 10-07-2024 |
| Status | Active |
| Postal code | 6000 |
Structure & network
Connections & network
7 connected companiesNetwork connections
Shared address
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Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Registered office
on the map · from the address register
seat.Municipality
exact location from the address register
Establishment units
1 locationHO-MI
since 20242.364.089.740
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area683 m²
Buildings1
Building footprint1,284 m²
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52011C0074/00P000 | Wallonia | 683 m² | 1 · 1,284 m² | - |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
5 acts Capital history · 1
24-12-2024
v3.2
Address history · 2
23-10-2025
v3.2
08-10-2024
v3.2
All acts · 5
updated 9 months ago
2025
23-10-2025 Registered office moved from Bruxelles to Charleroi
- Rue de Grand Bigard 14, 1082 Bruxelles → Rue de la Montagne 18, 6000 Charleroi
Summary:
v3.2
2024
24-12-2024 Transaction in capital or shares
Summary:
v3.2
08-11-2024 2 resigning
08-10-2024 Registered office moved from Charleroi to Bruxelles
- Rue de la Montagne 18, 6000 Charleroi → Rue de Grand Bigard 14, 1082 Bruxelles
Summary:
v3.2
12-07-2024 Incorporation of a new SRL
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes20
/ 100
Fragile profile, watch profitability in particular.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
5
Profitability
0
Solvency
10
Growth
-
Stability
67
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verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
Groothandel in weefsels, stoffen en fournituren46411Groothandel in weefsels, stoffen en fournituren46411Overige niet-gespecialiseerde detailhandel47120Detailhandel via postorderbedrijven of via internet47910Groothandel in spellen en speelgoed46497Groothandel in spellen en speelgoed46497Groothandel in ijzerwaren46741Groothandel in ijzerwaren46841Overige niet-gespecialiseerde detailhandel47120Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen niet overheersen (verkoopoppervlakte. = 2500 m²)47192Detailhandel in glas-, porselein- en aardewerk en in niet-elektrische huishoudelijke artikelen47553Detailhandel in glas-, porselein- en aardewerk en in niet-elektrische huishoudelijke artikelen in gespecialiseerde winkels47593Detailhandel via postorderbedrijven of via internet47910
Primary activity highlighted.
Names & trade names
| Legal nameFR | HO-MI |
Registered office
Rue de la Montagne 18
6000 Charleroi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.