A.H. DERDER
ActiveThe computed 12-month bankruptcy probability of A.H. DERDER is 2.2% (moderate). The 2024 annual accounts show equity of €55k and a net result of €-12k. Its solvency ranks better than 62% of 6714 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes
Profitability0
Solvency75
Growth-
Stability85
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.1), and 50.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 49
Relative position
BE, all sectors
reference
Sector 49
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 2024Solvency, return and age of the figures
Solvency
49.3%
Return on assets
-10.8%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 1 filingDeviation from the deadline
2024
61 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€55k
Total assets
€112k
Net result
€-12k
Working capital
€6k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €112k
Fixed assets
€50k
Current assets
€63k
Equity and liabilities €112k
Equity
€55k
Debt
€57k
Debt finances 50.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€13k
Cash flow
€2k
Solvency
49.3%
Current ratio
1.10
Quick ratio
1.10
Debt / equity
1.03
ROE
-21.9%
ROA
-10.8%
Interest coverage
33.16
Debt
€57k
Debt ≤ 1 year
€57k
Income taxes
€10k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€112k
Fixed assets21/28€50k
Tangible fixed assets22/27€50k
Furniture and vehicles24€50k
Current assets29/58€63k
Amounts receivable within one year40/41€51k
Trade receivables40€31k
Other amounts receivable41€20k
Cash at bank and in hand54/58€12k
Deferred charges and accrued income490/1€22
Equity and liabilities
Total equity and liabilities10/49€112k
Equity10/15€55k
Contributions10/11€100
Profit (loss) carried forward14€55k
Amounts payable17/49€57k
Amounts payable within one year42/48€57k
Trade debts44€31k
Suppliers440/4€31k
Advances received on contracts in progress46€2k
Other amounts payable47/48€24k
Income statement
Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k
Other operating charges640/8€2k
Gross operating margin9900€15k
Operating profit (loss)9901€-1k
Financial charges65/66B€385
Recurring financial charges65€385
Profit (loss) for the period before taxes9903€-2k
Income taxes67/77€10k
Profit (loss) for the period9904€-12k
Profit (loss) for the period to be appropriated9905€-12k
Appropriation of the result
Profit (loss) to be appropriated9906€55k
Profit (loss) brought forward from the previous period14P€68k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
11-09
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation2 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation2 facts ▸
- General meeting, 09/09/2026
- Director resignation, Alain Bouchekouk (administrateur)
19-03
State Gazette act
Capital & shares · Resignations & appointmentsGeneral meeting · Director resignation · Capital change4 facts ▸
State Gazette act
Capital & shares · Resignations & appointments
General meeting · Director resignation · Capital change4 facts ▸
- General meeting, 11/03/2026
- Director resignation, Said Karfach (bestuurder)
- Director resignation, Mohamed Abdelah Saleh (bestuurder)
- Capital change
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
State Gazette actNBB filing
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-12-2025
Bouchekouk Alain: Resigned as Director
31-12-2025
Mohamed Abdelah Saleh: Resigned as Director
31-12-2025
Said Karfach: Resigned as Director
30-06-2025
EI Ammouri Saddiki Youness: Resigned as Director
25-03-2025
AARAB Noura: Resigned as Director
01-10-2024
HARDADI Hamza: Resigned as Director
30-09-2024
Ben Messaoud Omar Nazih: Resigned as Director
28-06-2024
Bouchekouk Alain: Resigned as Manager
28-06-2024
AARAB Noura: Resigned as Manager
28-06-2024
Ben Messaoud Omar Nazih: Resigned as Manager
28-06-2024
ALOSMAN Tamer: Resigned as Manager
28-06-2024
BOUCHKANE Kamal: Resigned as Manager
28-06-2024
DERDER Abdelfatah: Resigned as Manager
28-06-2024
KADDOURI EL MOUKHTARI Abdeslam: Resigned as Manager
30-04-2024
DERDER Abdelfatah: Resigned as Director
04-12-2023
Ben Jelloul Hamza: Resigned as Director
04-12-2023
Bentaleb Bilal: Resigned as Director
11-09-2023
Said Karfach: Resigned as Director
06-06-2023
ATMANI Mehdi: Resigned as Director
Location & real-estate footprint
Registered office, Charleroi · 1 establishment unit since 2017
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.
Zoning de Jumet,4ème rue 336040 CharleroiGround area
9,994 m²
Building footprint
3,265 m²
Volume, LiDAR
31,190 m³
Parcel 52034B1039/00Z004, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
A.H. DERDER
since 20172.271.426.432
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52034B1039/00Z004 | Wallonia | 9,994 m² | 1 · 3,265 m² | 11.1 m · 3 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 6,979 companies in sector 49320 we hold annual accounts for 2,683. 2,093 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2017
Fiscal year end31-12
Activities, NACEBEL
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
49390Land transport and transport via pipelines
53200Other postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.