Stijn Hermans
ActiveStijn Hermans has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €-19k. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 84% of 27319 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency67▼-2
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.42 against 0.62 in 2024), and 20.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
79.7%
Return on assets
-100.1%
Age of the figures
8 mo
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€19k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
30 d early
2023
37 d early
2022
39 d early
2021
40 d early
2020
48 d early
2019
57 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▼ 55.7%
2024 · €33k
2019: €24k
2020: €24k
2021: €50k
2022: €28k
2023: €57k
2024: €33k
2019 → 2025
Total assets
€18k▼ 58.6%
2024 · €45k
2019: €26k
2020: €26k
2021: €57k
2022: €48k
2023: €85k
2024: €45k
2019 → 2025
Net result
€-19k▲ 20.7%
2024 · €-23k
2019: €-1k
2020: €138
2021: €25k
2022: €14k
2023: €28k
2024: €-23k
2019 → 2025
Working capital
€-2k▲ 50.8%
2024 · €-4k
2019: €8k
2020: €23k
2021: €47k
2022: €25k
2023: €16k
2024: €-4k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€28k▼ 43.2%€57k▲ 100%€33k▼ 41.2%€15k▼ 55.7%
Operating result€35k-€19k▼ 45.1%€39k▲ 105%€-23k€-18k▲ 20.8%
Net result€25k-€14k▼ 43.0%€28k▲ 95.7%€-23k€-19k▲ 20.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €18k in 2025 against €23k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €18k
Fixed assets
€17k▼ 55.0%
Current assets
€2k▼ 77.9%
Equity and liabilities €18k
Equity
€15k▼ 55.7%
Debt
€4k▼ 67.2%
The debt ratio falls from 25.6% to 20.3%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€3k▲
2024 · €-2k
Cash flow
€2k▲
2024 · €-3k
Solvency
79.7%▲
2024 · 74.4%
Current ratio
0.42▼
2024 · 0.62
Quick ratio
0.42▼
2024 · 0.62
Debt / equity
0.26▼
2024 · 0.34
ROE
-125.7%▼
2024 · -70.2%
ROA
-100.1%▼
2024 · -52.2%
Interest coverage
17.96▲
2024 · -12.21
Debt
€4k▼
2024 · €11k
Debt ≤ 1 year
€4k▼
2024 · €11k
Income taxes
€186▼
2024 · €203
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€45k€18k▼
Fixed assets21/28€38k€17k▼
Tangible fixed assets22/27€38k€17k▼
Furniture and vehicles24€38k€17k▼
Current assets29/58€7k€2k▼
Amounts receivable within one year40/41€797€650▼
Trade receivables40€650€650=
Other amounts receivable41€147€0▼
Cash at bank and in hand54/58€6k€910▼
Deferred charges and accrued income490/1€445€0▼
Equity and liabilities
Total equity and liabilities10/49€45k€18k▼
Equity10/15€33k€15k▼
Reserves13€57k€57k=
Distributable reserves133€57k€57k=
Profit (loss) carried forward14€-23k€-42k▼
Amounts payable17/49€11k€4k▼
Amounts payable after more than one year17€0-
Other amounts payable178/9€0-
Amounts payable within one year42/48€11k€4k▼
Trade debts44€686€393▼
Suppliers440/4€686€393▼
Taxes, remuneration and social security45€9k€835▼
Taxes450/3€9k€835▼
Other amounts payable47/48€1k€2k▲
Accrued charges and deferred income492/3-€43
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€21k▼
Other operating charges640/8€914€846▼
Gross operating margin9900€-1k€3k▲
Operating profit (loss)9901€-23k€-18k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€180€140▼
Recurring financial charges65€180€140▼
Profit (loss) for the period before taxes9903€-23k€-18k▲
Income taxes67/77€203€186▼
Profit (loss) for the period9904€-23k€-19k▲
Profit (loss) for the period to be appropriated9905€-23k€-19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-23k€-42k▼
Profit (loss) brought forward from the previous period14P-€-23k
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-23k ▼182%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €28k ▲95.7%
Operating result €39k, net result €28k, both a record.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
14-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Back to profitnet €138
Net result €138 after one loss-making year.
2019
05-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
02-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
11-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Herentals · 1 establishment unit since 2015
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.
Kleine Ekelstraat 372200 HerentalsGround area
336 m²
Building footprint
110 m²
Volume, LiDAR
1,284 m³
Parcel 13011E0419/00S000, Flanders · tallest building 17.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Stijn Hermans
since 20152.240.039.113
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13011E0419/00S000 | Flanders | 336 m² | 1 · 110 m² | 17.4 m · 4 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 22,731 companies in sector 43211 we hold annual accounts for 10,271. 6,482 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-02-2015
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.