HUMA
ActiveHUMA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €913k and a net result of €292k. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 60% of 6146 sector peers (fiscal year 2024). The company has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-06-2025, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
57 d early
2023
19 d early
2022
3 d early
2021
16 d early
2020
1 d early
2019
1 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€913k▲ 38.2%
2023 · €660k
2018: €342k
2019: €381k
2020: €423k
2021: €359k
2022: €481k
2023: €660k
2018 → 2024
Net result
€292k▲ 35.1%
2023 · €216k
2018: €37k
2019: €40k
2020: €41k
2021: €21k
2022: €212k
2023: €216k
2018 → 2024
Total assets
€1.46M▲ 15.4%
2023 · €1.26M
2018: €352k
2019: €388k
2020: €433k
2021: €1.05M
2022: €1.19M
2023: €1.26M
2018 → 2024
Solvency
62.6%▲ 10.3pp
2023 · 52.3%
2018: 97.2%
2019: 98.3%
2020: 97.6%
2021: 34.3%
2022: 40.3%
2023: 52.3%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€423k-€359k▼ 15.0%€481k▲ 34.1%€660k▲ 37.2%€913k▲ 38.2%
Operating result€60k-€31k▼ 49.2%€315k▲ 927%€314k▼ 0.3%€383k▲ 22.1%
Net result€41k-€21k▼ 50.1%€212k▲ 932%€216k▲ 2.0%€292k▲ 35.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 22% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.46M
Fixed assets
€904k▲ 8.7%
Current assets
€554k▲ 28.4%
Equity and liabilities €1.46M
Equity
€913k▲ 38.2%
Debt
€545k▼ 9.6%
The debt ratio falls from 47.7% to 37.4%: equity grows while debt is paid down.
Key figures and ratios
Solvency
62.6%▲
2023 · 52.3%
ROE
32.0%▼
2023 · 32.7%
ROA
20.0%▲
2023 · 17.1%
Debt
€545k▼
2023 · €603k
Debt ≤ 1 year
€177k▲
2023 · €176k
Debt > 1 year
€368k▼
2023 · €427k
Income taxes
€98k▲
2023 · €97k
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€1.26M€1.46M▲
Fixed assets21/28€831k€904k▲
Tangible fixed assets22/27€831k€904k▲
Land and buildings22€831k€811k▼
Furniture and vehicles24-€93k
Current assets29/58€432k€554k▲
Amounts receivable within one year40/41€0€5k▲
Trade receivables40-€800
Other amounts receivable41€0€5k▲
Current investments50/53-€225
Cash at bank and in hand54/58€432k€549k▲
Equity and liabilities
Total equity and liabilities10/49€1.26M€1.46M▲
Equity10/15€660k€913k▲
Contributions10/11€118k€118k=
Capital10€118k€118k=
Issued capital100€118k€118k=
Reserves13€543k€795k▲
Non-distributable reserves130/1€12k€12k=
Legal reserve130€12k€12k=
Distributable reserves133€531k€784k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€603k€545k▼
Amounts payable after more than one year17€427k€368k▼
Financial debts170/4€427k€368k▼
Amounts payable within one year42/48€176k€177k▲
Current portion of amounts payable after more than one year42€58k€59k▲
Trade debts44€2k€6k▲
Suppliers440/4€2k€6k▲
Taxes, remuneration and social security45€64k€63k▼
Taxes450/3€64k€63k▼
Remuneration and social security454/9-€178
Other amounts payable47/48€52k€49k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€36k▲
Other operating charges640/8€6k€8k▲
Gross operating margin9900€341k€427k▲
Operating profit (loss)9901€314k€383k▲
Financial income75/76B€5k€13k▲
Recurring financial income75€5k€13k▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€313k€391k▲
Income taxes67/77€97k€98k▲
Profit (loss) for the period9904€216k€292k▲
Profit (loss) for the period to be appropriated9905€216k€292k▲
Appropriation of the result
Profit (loss) to be appropriated9906€216k€292k▲
Transfer from equity791/2€37k€40k▲
Transfer to equity691/2€216k€292k▲
To other reserves6921€216k€292k▲
Profit to be distributed694/7€37k€40k▲
Return on contributions (dividend)694€37k€40k▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €292k ▲35.1%
Operating result €383k, net result €292k, both a record.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €500kEq €660k ▲37.2%
6 profitable years in a row build equity to €660k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €21k ▼50.1%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 5 days late
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
17-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Londerzeel · 1 establishment unit since 1996
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.
Breendonkstraat 51840 LonderzeelGround area
9,895 m²
Building footprint
408 m²
Volume, LiDAR
2,490 m³
Parcel 23045C0277/00G000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Breendonkstraat 5, 1840 Londerzeel
since 19962.077.833.634
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23045C0277/00G000 | Flanders | 9,895 m² | 1 · 408 m² | 9.0 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.
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 12,866 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded16-07-1996
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.