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Complete company report
Generated 03-09-2026
Active BE 0810.271.187Private limited company

B & H INVEST

Avenue de Norvège 27 ·4960 Malmedy, Belgium· 17 yrs active
Conclusion Checked

B & H INVEST has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €213k and a net result of €16k. The computed 12-month bankruptcy probability is 1.1% (low).

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €213k
Net result €16k
Active 17 yrs
Board 2
Financial profile 4 of 5 axes measured · computed by Checked
Health86Profitability38Solvency90Growth-Stability85
75 / 100

Strong profile, led by solvency.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 86
Profitability 38
Solvency 90
Growth -
Stability 85
Bankruptcy probability (12 mo) Checked model v1 · free
1.1% Low
0%0,5%1,5%4%10%≥25%
No NACE activity registered +Long track record −Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Established
Founded in 2009, 17 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2025 · computed
86 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview16 NBB filings
Annual accounts filed on 23-03-2026 with the NBB · fiscal year 2025 · micro schema
Fiscal year2025
Depositmicro schema
Revenue-
EBITDA€52k
Net profit€16k
Cash flow€45k
Staff costs-
Income taxes€8k
Dividends€13k
Total assets€288k
Equity€213k
Debt€75k
of which ≤ 1y€69k
of which > 1y-
Working capital€38k
Employees (FTE)-
Ratios (computed)
2025
Current ratio1.55
Quick ratio1.55
Working capital ratio13.3%
Solvency73.9%
Debt / equity0.35
Long-term debt ratio-
Interest coverage643.06
Gross margin-
Net margin-
ROA5.6%
ROE7.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€288k
Fixed assets 21/28€181k
Tangible fixed assets 22/27€181k
Current assets 29/58€107k
Amounts receivable within one year 40/41€2k
Cash & bank 54/58€102k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€288k
Equity 10/15€213k
Contributions / capital 10/11€155k
Reserves 13€57k
Accumulated profits (losses) 14€1k
Amounts payable 17/49€75k
Amounts payable within one year 42/48€69k
Trade debts payable within one year 44€9k
Income statement
Gross operating margin 9900€61k
Operating result 9901€24k
Financial income 75€231
Financial charges 65€82
Result before taxes 9903€24k
Income taxes 67/77€8k
Net result for the period 9904€16k
Result to be appropriated 9905€16k
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • BAUMANS Philippe
    Director
    State Gazette act 23318308 (01-03-2023)
    Current
    01-03-2023 → present
    2 events
    • 01-03-2023 Resigned· Director
    • 01-03-2023 Appointed· Director
  • HEINDRICHS Jean
    Director
    State Gazette act 23318308 (01-03-2023)
    Current
    01-03-2023 → present
    2 events
    • 01-03-2023 Resigned· Director
    • 01-03-2023 Appointed· Director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary -
Legal form Private limited company(610)
Incorporation09-03-2009
StatusActive
Postal code4960
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
63049F0275/00X003 Wallonia 3,450 m² 1 · 417 m² 7.0 m · 2 fl.
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.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
23-03-2026
NBB filing Annual accounts filed
fiscal year 2025 · micro
2025
04-04-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
29-04-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
28-04-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
01-03-2023
State Gazette act Director changes
v3.2
2022
27-04-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
26-05-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
23-04-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
29-03-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
31-05-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
17-05-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
Belgian State Gazette reading coverage 0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 3 years ago
2023
01-03-2023 2 directors appointed, 2 resigning Director changes
  • HEINDRICHS Jean, Bestuurder
  • BAUMANS Philippe, Bestuurder
  • HEINDRICHS Jean, Bestuurder
  • BAUMANS Philippe, Bestuurder
Summary: v3.2
Technical details 
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    },
    {
      "kind": "director_in",
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      "person": {
        "rrn": null,
        "name": "BAUMANS Philippe",
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      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0810.271.187",
    "name_full": "B \u0026 H INVEST"
  }
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameFR B & H INVEST
Registered office
Avenue de Norvège 27
4960 Malmedy, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative