A.H.B
ActiveA.H.B has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11k and a net result of €-9k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 26% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability25▼-35
Solvency31▼-9
Growth85=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.06 against 1.16 in 2024; short-term debt: 93.7% and cash: 16.9% of total assets), and 93.7% 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
6.3%
Return on assets
-5.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
24 d late
2024
3 d early
2023
28 d late
2022
21 d late
2021
30 d late
2020
10 d late
2019
80 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€627k▲ 10.1%
2024 · €570k
2018: €106k
2019: €184k
2020: €180k
2021: €206k
2022: €523k
2023: €546k
2024: €570k
2018 → 2025
EBIT margin
-1.3%▼ 2.8pp
2024 · 1.5%
2018: -36.1%
2019: 3.5%
2020: -9.5%
2021: -5.1%
2022: 5.4%
2023: 4.2%
2024: 1.5%
2018 → 2025
Net result
€-9k
2024 · €8k
2018: €-39k
2019: €6k
2020: €-17k
2021: €-11k
2022: €28k
2023: €23k
2024: €8k
2018 → 2025
Working capital
€10k▼ 48.1%
2024 · €19k
2018: €-17k
2019: €-11k
2020: €-39k
2021: €-47k
2022: €-15k
2023: €11k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€206k-€523k▲ 155%€546k▲ 4.4%€570k▲ 4.3%€627k▲ 10.1%
Equity€-39k-€-10k▲ 73.0%€12k€21k▲ 65.9%€11k▼ 44.6%
Operating result€-11k-€28k€23k▼ 18.7%€9k▼ 61.8%€-8k
Net result€-11k-€28k€23k▼ 18.9%€8k▼ 64.2%€-9k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €182k
Fixed assets
€2k=
Current assets
€180k▲ 30.0%
Equity and liabilities €182k
Equity
€11k▼ 44.6%
Debt
€170k▲ 42.5%
The debt ratio rises from 85.3% to 93.7%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
6.3%▼
2024 · 14.7%
Current ratio
1.06▼
2024 · 1.16
Quick ratio
0.19▲
2024 · 0.10
Debt / equity
14.89▲
2024 · 5.80
ROE
-80.3%▼
2024 · 39.7%
ROA
-5.1%▼
2024 · 5.8%
Debt
€170k▲
2024 · €120k
Debt ≤ 1 year
€170k▲
2024 · €120k
Staff costs
€46k
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€140k€182k▲
Fixed assets21/28€2k€2k=
Tangible fixed assets22/27€2k€2k=
Furniture and vehicles24€2k€2k=
Current assets29/58€139k€180k▲
Stocks and contracts in progress3€127k€148k▲
Stocks30/36€127k€148k▲
Amounts receivable within one year40/41€3k€1k▼
Trade receivables40€258€367▲
Other amounts receivable41€3k€957▼
Cash at bank and in hand54/58€9k€31k▲
Equity and liabilities
Total equity and liabilities10/49€140k€182k▲
Equity10/15€21k€11k▼
Contributions10/11€19k€19k=
Capital10€19k-
Issued capital100€19k-
Reserves13€476€476=
Non-distributable reserves130/1€476€476=
Legal reserve130€476-
Reserves not available under the articles1311-€476
Profit (loss) carried forward14€2k€-8k▼
Amounts payable17/49€120k€170k▲
Amounts payable within one year42/48€120k€170k▲
Trade debts44€84k€116k▲
Suppliers440/4€84k€116k▲
Taxes, remuneration and social security45€13k€26k▲
Taxes450/3€1k€2k▲
Remuneration and social security454/9€12k€24k▲
Other amounts payable47/48€22k€28k▲
Income statement
Code20242025
Turnover70€570k€627k▲
Non-recurring operating income76A€2k-
Goods, raw materials, services and sundry goods60/61€559k€585k▲
Remuneration, social security and pensions62-€46k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k-
Other operating charges640/8€2k€5k▲
Gross operating margin9900€13k€43k▲
Operating profit (loss)9901€9k€-8k▼
Financial charges65/66B€623€1k▲
Recurring financial charges65€623€1k▲
Profit (loss) for the period before taxes9903€8k€-9k▼
Profit (loss) for the period9904€8k€-9k▼
Profit (loss) for the period to be appropriated9905€8k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€-8k▼
Profit (loss) brought forward from the previous period14P€-7k€2k▲
The notes to these accounts (3 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
31-12
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
19-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 80 days late
2019
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 5 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 23 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, Sint-Truiden · 2 establishment units since 2016
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.
Tiensesteenweg 973800 Sint-TruidenGround area
522 m²
Building footprint
299 m²
Volume, LiDAR
1,879 m³
2 parcels, Flanders · tallest building 12.1 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
YANA WINKEL
since 20162.251.413.253
Yana Winkel
since 20222.327.831.140
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24059B0264/00W000 | Flanders | 402 m² | 1 · 178 m² | 12.1 m · 2 fl. |
| 71053G0429/00C002 | Flanders | 121 m² | 1 · 121 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesLanden2.327.831.140
Sint-Truiden2.251.413.253
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Of 10,530 companies in sector 47110 we hold annual accounts for 5,858. 3,619 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2012
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.