Equity
€185,474 from €1.2m in 2012
Equity fell by 84% in 13 years.
K&L De Hauwere
Lifetime
18 annual accounts with figures on one time axis, 38 filings since 1986Gross marginpeak €449,937 (2007)
-€169,022▼ €169,221
Resultlowest -€126,725 (2025)
-€126,725▼ €125,517
Equitypeak €1.2m (2012)
€185,474▼ 40.6%
Debts
€767,274▲ 20.4%
Staffpeak 11.3 FTE (2007)
-not published
Board6 names since 2021
3 directorsCandelina and 2 others
Owners
Documentsfilings and deeds
05-05-20265 days late
2025micro format
Gross margin from €199 to -€169,022Loss of €126,725Equity from €312,199 to €185,474Debts from €637,398 to €767,274Cash from €261,317 to €112,401
Key points
from the 2025 annual accountsResult
-€126,725 ▼ 10,391%
The result fell in 2025 from -€1,208 to -€126,725.
Debts
€767,274 72% of the balance sheet
After one year 30%Within one year 70%
Of this, €535,468 falls due within a year.
Liquidity
2.00 was 2.78 in 2024
Short-term debts rose from €398,417 to €535,468.
Filings
38 annual accounts since 1986
Four of the last ten came late. The 2023 accounts came latest: 16 days after the end of the period.
Position in the sector
-€126,725
Lower net result than 95% of companies in printing. Sector median €5,881 · 1,123 companies.
Turnover not published (abbreviated or micro format)
Checked score
62
Healthy
Financially stronger than 20% of micro companies in printing (NACE 18)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.3% across 1,614 companies (NACE 18, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%lowest value
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: 0.1%▲ +0.1 percentage points vs 03-2025
05-2025: 0.2%▲ +0.1 percentage points vs 04-2025
06-2025: < 0.1%▼ -0.2 percentage points vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: 0.1%▲ +0.1 percentage points vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.2%▲ +0.1 percentage points vs 04-2026
06-2026: 0.7%▲ +0.5 percentage points vs 05-2026
07-2026: 0.7%● unchanged vs 06-2026
08-2026: 0.7%● unchanged vs 07-2026
09-2026: 0.7%● unchanged vs 08-2026
10-2026: 1.3%▲ +0.6 percentage points vs 09-2026highest value
11-2026: 1.3%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Loss of €126,725, the second in a row (financial year 2025)
1 change of registered office in 24 months
Sector: Printing and reproduction of recorded media (NACE 18)
lowers risk
Size: total assets €1.1m
Calculation
The band follows from the bankruptcy probability. 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 18, micro). It does better than 25% of them on solvency, 26% on liquidity, 16% on profitability and 12% on growth.
The bankruptcy probability was computed on 05-11-2026 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.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 307 companies had the same profile as K&L De Hauwere has now. Each dot is one company, two years later.
88.9%
were still trading
5.2%
stopped another way
4.9%
went bankrupt
Another 1.0% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of K&L De Hauwere itself: 1.3% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 307 companies, not a prediction for K&L De Hauwere. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €11,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.0 (2.78 in 2024), above the usual 1.5. Short-term debt is 50.1% and cash 10.5% of total assets. However, 82.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€126,725
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 1122 sector peers (2025).
NBB · sector comparisonPosition among 1122 sector peers
Solvency
better than 25%
← weakest
strongest →
raises risk · 2025 accounts filed 5 days late
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 05-05-2026, 5 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
5 days late
2024
on the day
2023
16 days late
2022
15 days late
2021
9 days early
2020
3 days late
2019
44 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 2 days before the deadline. In the sector (NACE 18), the median for financial year 2024 was 5 days before the deadline, and 38% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 5 May (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end06-11-2026 today30-04-2027 deadline
Board and ownership
- Wilika BVBA consolidatesscore 84equity €1.4m (2025) · annual accounts 2014
- Candelinascore 53equity -€17,845 (2025) · deed of 21-10-2026
- DAUKscore 85equity €683,536 (2025) · deed of 21-10-2026
Recent changes
Registered office moved from Knokke-Heist to Damme
New registered office: Damweg 42, 8340 Damme, gelegen in het Vlaams Gewest · Previous registered office: Hazegrasstraat 52, 8300 Knokke-Heist, gelegen in het Vlaams Gewest · Candelina is a shareholder · General meeting of 24-09-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0427537594
2 directors appointed, 5 resignations
Resignations: DE HAUWERE Lina, DE HAUWERE Karl, WILIKA, Candelina and DAUK · Permanent representatives: DE HAUWERE Lina and DE HAUWERE Karl · Appointments: Candelina (director) and DAUK (director) · Gazette deed
Incorporation
published on 27-07-1985 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| K&L De Hauwere Damme | €1.1m | -€169,022 | 17.3% | - |
| DRUKKERIJ - UITGEVERIJ PEETERS Putte | €0.5m | -€6,240 | -66.4% | - |
| BEVER Zemst | €0.8m | -€4,354 | 68.0% | - |
| TANX Sint-Truiden | €0.6m | -€26,212 | 80.9% | - |
| IMPRIMERIE DE BEYS Beersel | €0.5m | -€5,198 | 88.0% | 0 |
| SnG Hooglede | €1.2m | €2,677 | 93.1% | 2.9 |
| G.D.S. GRAPHICS Knokke-Heist | €2.7m | -€117 | 57.0% | - |
These companies have the same main activity as K&L De Hauwere: other printing (NACE 18120). They are comparable in size and age: total assets between €452,000 and €2.7m, founded between 1968 and 2001.
Official details
Source: KBO- Status
- Active since 02-07-1985Normal situation
- Activity
- Other printingNACE 18120
- Establishment unit
- 2.027.550.7158300 Knokke-Heist, since 02-07-1985
- Financial year end
- 30 September
- Peppol
- Reachable since 06-11-2025
Insights on K&L De Hauwere
K&L De Hauwere files the micro format. That format states no turnover. The gross margin fell from €449,937 in 2007 to -€169,022 in 2025.
In November 2023, three directors stepped down.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about K&L De Hauwere
- What is the company number of K&L De Hauwere?
- The company number of K&L De Hauwere is 0427.537.594. The VAT number is the same number with BE in front: BE 0427.537.594.
- Where is K&L De Hauwere based?
- The registered office is at Damweg 42, 8340 Damme.Company details
- What does K&L De Hauwere do?
- According to the KBO register, the main activity is other printing (NACE 18120).
- What is the legal form of K&L De Hauwere?
- K&L De Hauwere is a private limited company (BV).
- When was K&L De Hauwere founded?
- K&L De Hauwere was founded on 02-07-1985.
- Is K&L De Hauwere still active?
- Yes, K&L De Hauwere is an active enterprise in the KBO register.
- What is the turnover of K&L De Hauwere?
- The annual accounts for financial year 2025 state no turnover. The abbreviated or micro format does not require it.Financials
- Is K&L De Hauwere profitable?
- In financial year 2025, K&L De Hauwere made a loss of €126,725.
- Where can I find the annual accounts of K&L De Hauwere?
- K&L De Hauwere filed 38 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of K&L De Hauwere due?
- K&L De Hauwere must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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