Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 19 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
HM FinancING from Bilzen-Hoeselt, company number BE0687769689, closed financial year 2025 with a result of € 251,942 after tax. For that financial year HM FinancING recorded a gross margin of € 1 million and equity of € 166,544. Compared with financial year 2024, the result moved from € 157,058 to € 251,942. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on December 6, 2025.
€ 166,544
▲ 142% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 251,942
▲ 60% vs 2024
Profit after tax over the fiscal year.
€ 65,641
▲ 145% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 142,500 paid out
57 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
8.6
▼ 0.9 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 494,193
▲ 6% vs 2024
€ 57,500 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
€ 873,662
▼ 11% vs 2024
€ 116,663 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 55,431
▲ 68% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 66,076
▲ 2% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 700,843 | € 1,648,449 | € 888,823 | € 1,028,627 | ▲ 16% |
| Profit after taxes | € 311,984 | € 1,194,279 | € 157,058 | € 251,942 | ▲ 60% |
| Equity | € 176,436 | € 17,744 | € 68,928 | € 166,544 | ▲ 142% |
| Total debts | € 551,911 | € 1,415,346 | € 1,721,403 | € 1,631,140 | ▼ 5% |
| Cash | € 33,245 | € 1,141,976 | € 26,823 | € 65,641 | ▲ 145% |
| Retained profit | € 164,036 | € 5,344 | € 56,528 | € 154,144 | ▲ 173% |
| Dividend | € 230,000 | € 1,337,344 | € 92,110 | € 142,500 | ▲ 55% |
| Bank debt | € 195,009 | € 155,900 | € 982,602 | € 873,662 | ▼ 11% |
| Balance sheet total | € 728,347 | € 1,433,090 | € 1,790,331 | € 1,797,684 | |
| Employees (FTE) | 5.8 | 7.5 | 9.5 | 8.6 | ▼ 0.9 |
Key figures of HM FinancING, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to HM FinancING?
What happened at HM FinancING in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 251,942 (▲ 60% vs 2024). Source: NBB ↗
- MaDro Management became a director. NBB
- Miro Consulting became a director. NBB
- New establishment in Lanaken. KBO
- New establishment in Bilzen-Hoeselt. KBO
- KB Consilium became a director. NBB
- New establishment in Tongeren-Borgloon. KBO
- LuMaSo Management became a director. NBB
In short
From € 311,984 profit in 2022 to € 251,942 profit in 2025.
Paid € 128,713 in corporate taxes since 2022.
Best year ever: 2023, with € 1.2 million profit.
On average € 119,600 of value added per employee in 2025.
Management
The stake of LuMaSo Management, KB Consilium comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
HM FinancINGBehind HM FinancING are Miro Consulting, KB Consilium, MaDro Management and LuMaSo Management. The shares are held by LuMaSo Management (37.5%) and KB Consilium (37.5%).
Directors
According to the 2025 annual accounts
Director · represented by Roger Noben
since 2023
Director · represented by Kristof Bauwens
since 2019
Director · represented by Maarten Droogmans
since 2025
Director · represented by Michaël Mesotten
since 2018
Shareholders
37.5%
37.5%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Markt 15
3740 Bilzen-Hoeselt
Stationslaan 1
3700 Tongeren-Borgloon
Active since 10 January 2018
Schumanplein 20
3620 Lanaken
Active since 1 July 2023
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0687.769.689
- VAT number
- BE 0687.769.689
- Registered office
- Markt 15, 3740 Bilzen-Hoeselt
- Names & denominations
- HM FinancING
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 10 January 2018
- Peppol
- Active · Active since 9 Nov 2025
- Activities · NACE
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