Financials
- Financial year
- 2025
- Total assets
- €96,528
- Profit
- €10,476
- Solvency
- 13.4%
HRML
ActiveSummary
The computed 12-month bankruptcy probability of HRML is 3.4% (moderate). The 2025 annual accounts show equity of €12,976 and a net result of €10,476. Its solvency ranks better than 36% of 16,547 sector peers (NACE 56, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Cafés and bars
NACE 56301
1 site
Size
€96,528total assets 2025
- Staff
- 3 FTE
- Equity
- €12,976
- Profit
- €10,476
Turnover not published (micro format)
Structure
- FILECCIA LorisDirector
- JADIN Gabriel, Etienne, Hugo, Yvon, GhislainDirector
- TANCHE MathysDirector
Accounts filed 61 days late
Why 51raises riskSector: Food and beverage service activities (NACE 56)Founded in 2025Latest accounts 61 days late; 1 of the last 3 latelowers riskLiquidity: current ratio 1.38, cash €30,076Show the evidence
Checked score
Score 2025
51
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 62% of its sector peers (NACE 56, micro)
Financial strength
Strong
Solvency
38
equity 13.4% of total assets
Liquidity
77
short-term debt 29.0% · cash 31.2%
Profitability
82
return on assets 10.9%
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Credit of up to €500 on 30-day terms is acceptable
Liquidity tight (current ratio 1.38, below the usual 1.5; short-term debt: 29% and cash: 31.2% of total assets), and 86.6% 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 56, micro): better than 36% on solvency, 80% on liquidity and 69% on profitability.
The bankruptcy probability was computed on 17-10-2026 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 riskneutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 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 · 1 filingDeviation from the deadline
2025
61 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointments: FILECCIA Loris, TANCHE Mathys…
Key points
By topic
Board & ownership
- Board
- 3 members
- FILECCIA LorisDirector
- JADIN Gabriel, Etienne, Hugo, Yvon, GhislainDirector
- TANCHE MathysDirector
Timeline
- Events
- 2
- Since
- 2025
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Cafés and barsNACE 56301
- Founded
- 11-09-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 23
- Who signs
- Each director alone
- Annual meeting
- Second Friday of June
- Purpose
- “Distribuer à ses actionnaires un avantage patrimonial direct ou indirect; L’exploitation…” (deed in French)
- Statutory auditor
- No statutory auditor
Go further with this company
How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark Is the workforce growing, and do people stay?Employer check
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