HUMY

Active

Private limited companyfounded 2016active for 10 yearsAlsembergsesteenweg 173, 1630 Linkebeek, BelgiumKBO/BCE: BE 0648.724.320

Summary

HUMY has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €153,343 and a net result of €14,838. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 9,802 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

Risk analysisFollow Report Compare

HUMYActiveChecked score 81/100

Risk analysis Report Compare

Activity

Specialised construction activities

NACE 43421Insulation installation NACE 43230

4th largest company by total assets in Linkebeek, Construction sector6 sites

Size

€698,421total assets 2025

Staff: 5.8 FTE
Equity: €153,343
Profit: €14,838

Financial health

81 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.5%

Structure

Largest shareholder: GGM investment · 10%

2025 accounts on time2 of 9 deeds summarised

Why 81raises riskSector: Specialised construction activities (NACE 43)Equity €153,343 (22.0% of total assets)lowers riskLiquidity: current ratio 1.12, cash €291,937Figures for financial year 2025 (filed 31-07-2026)Show the evidence

Checked score

Score 2025

81 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 44% of its sector peers (NACE 43, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Average

Solvency 47-3

equity 22.0% of total assets

Liquidity 57+7

short-term debt 78.0% · cash 41.8%

Profitability 71-18

return on assets 2.1%

Bankruptcy probability, 12 months

0.5% Very low

0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,639 companies, NACE 43, micro)

Last 24 months 11-2024: 1.6% 12-2024: 1.6%● unchanged vs 11-2024 01-2025: 1.5%▼ -0.1 percentage points vs 12-2024 02-2025: 1.5%● unchanged vs 01-2025 03-2025: 1.5%● unchanged vs 02-2025 04-2025: 1.5%● unchanged vs 03-2025 05-2025: 1.9%▲ +0.4 percentage points vs 04-2025 06-2025: 2.0%▲ +0.1 percentage points vs 05-2025 07-2025: 2.0%● unchanged vs 06-2025 08-2025: 2.7%▲ +0.7 percentage points vs 07-2025highest value 09-2025: 1.1%▼ -1.6 percentage points vs 08-2025 10-2025: 1.1%● unchanged vs 09-2025 11-2025: 1.2%▲ +0.1 percentage points vs 10-2025 12-2025: 1.3%▲ +0.1 percentage points vs 11-2025 01-2026: 1.3%● unchanged vs 12-2025 02-2026: 1.3%● unchanged vs 01-2026 03-2026: 1.3%● unchanged vs 02-2026 04-2026: 1.3%● unchanged vs 03-2026 05-2026: 1.6%▲ +0.3 percentage points vs 04-2026 06-2026: 1.6%● unchanged vs 05-2026 07-2026: 1.8%▲ +0.2 percentage points vs 06-2026 08-2026: 0.7%▼ -1.1 percentage points vs 07-2026 09-2026: 0.7%● unchanged vs 08-2026 10-2026: 0.5%▼ -0.2 percentage points vs 09-2026lowest value

Credit of up to €12,000 on 30-day terms is acceptable

Liquidity tight (current ratio 1.12, compared with 1.17 in 2024, below the usual 1.5; short-term debt: 78% and cash: 41.8% of total assets), and 78% 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 43, micro): better than 24% on solvency, 54% on liquidity, 41% on profitability and 56% on growth.

The bankruptcy probability was computed on 25-10-2026 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

Seven signals.

lowers riskraises riskneutral

Liquidity: current ratio 1.12, cash €291,937

NBB · annual accounts

Sector: Specialised construction activities (NACE 43)

KBO

Figures for financial year 2025 (filed 31-07-2026)

NBB · annual accounts

Equity €153,343 (22.0% of total assets)

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 9802 sector peers (2025).

NBB · sector comparison

Position among 9802 sector peers

Solvency

better than 23%

← weakest strongest →

Growing equity

Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year €153,343

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

on the day

2024

12 days late

2023

29 days late

2022

31 days late

2021

31 days late

2020

2 days early

2019

74 days early

← before the deadline after the deadline →

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

This company filed its last 7 accounts on average 4 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% 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 30 August (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

26-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

31-07-2026 Annual accounts filedfinancial year 2025 · abbreviated…
12-02-2026 Purpose · Amendment of the articles…Name change · Purpose change
31-12-2025 Weakest financial yearnet €14,838 ▼83.7%

Key points

Caution: Result fell in 2025from €91,309 to €14,838 ▼ 83.7% View
Positive: 4th largest company by total assets in Linkebeek, Construction sectorin the Checked rankings No. 4 View
Positive: 8 profitable years in a rowprofit 2025: €14,838 8 years View

By topic

Financials

Financial year: 2025
Total assets: €698,421
Profit: €14,838
Solvency: 22.0%

Total assets▲ 25.5%

Net result

20182025

Go to Financials

Board & ownership

Largest shareholder: GGM investment · 10%

Go to Board & ownership

Timeline

Events: 16
Since: 2017
Next accounts: by 31-07-2027

31-12-2025Equity above €150,000
12-08-2025Annual accounts filed
31-12-2024Equity above €100,000

Go to Timeline

Company details

Sites: 6

Legal form: Private limited company
Activity: Specialised construction activitiesNACE 43421
Founded: 16-02-2016
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 3

Annual meeting: Last Friday of June at 18:00
Purpose: “De behandeling van vocht en de behandeling van muren met waterafstotende producten, het…” (deed in Dutch)

Go to Articles of association

Key facts about HUMY

What is the company number of HUMY?: 0648.724.320. In Belgium the VAT number is the company number with BE in front: BE 0648.724.320.
Where is HUMY based?: The registered office is at Alsembergsesteenweg 173, 1630 Linkebeek.Company details
What does HUMY do?: According to the KBO register, the main activity is specialised construction activities (NACE 43421).
What is the legal form of HUMY?: Private limited company (BV).
When was HUMY founded?: On 16-02-2016.
Is HUMY still active?: Yes, HUMY is an active enterprise in the KBO register.
How many employees does HUMY have?: On average 5.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of HUMY?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is HUMY profitable?: In financial year 2025, HUMY made a profit of €14,838.
Where can I find the annual accounts of HUMY?: HUMY filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of HUMY due?: By 31-07-2027, for financial year 2026.Timeline