Be.Ha
ActiveThe computed 12-month bankruptcy probability of Be.Ha is 1.8% (moderate). The 2025 annual accounts show equity of €185k and a net result of €47k. Equity is growing by ~33.4% per year across the filed fiscal years. Its solvency ranks better than 82% of 7431 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-6
Solvency99▲+8
Growth52=
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 3.54 against 3.26 in 2024; short-term debt: 20.8% and cash: 57.6% of total assets), and 25.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
74.1%
Return on assets
18.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-03-2026, 136 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
136 d early
2024
84 d early
2023
58 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€185k▲ 32.5%
2024 · €139k
2023: €92k
2024: €139k
2023 → 2025
Total assets
€249k▲ 18.2%
2024 · €211k
2023: €183k
2024: €211k
2023 → 2025
Net result
€47k▼ 5.3%
2024 · €50k
2023: €90k
2024: €50k
2023 → 2025
Working capital
€132k▲ 20.5%
2024 · €109k
2023: €55k
2024: €109k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€92k-€139k▲ 52.3%€185k▲ 32.5%
Operating result€118k-€64k▼ 45.6%€64k▼ 0.8%
Net result€90k-€50k▼ 45.0%€47k▼ 5.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 1% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €249k
Fixed assets
€66k▲ 23.9%
Current assets
€184k▲ 16.3%
Equity and liabilities €249k
Equity
€185k▲ 32.5%
Debt
€64k▼ 9.7%
The debt ratio falls from 33.8% to 25.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€87k▲
2024 · €82k
Cash flow
€70k▲
2024 · €67k
Solvency
74.1%▲
2024 · 66.2%
Current ratio
3.54▲
2024 · 3.26
Quick ratio
3.54▲
2024 · 3.26
Debt / equity
0.35▼
2024 · 0.51
ROE
25.4%▼
2024 · 35.6%
ROA
18.9%▼
2024 · 23.5%
Interest coverage
44.58▲
2024 · 36.13
Debt
€64k▼
2024 · €71k
Debt ≤ 1 year
€52k▲
2024 · €48k
Debt > 1 year
€13k▼
2024 · €23k
Income taxes
€15k▲
2024 · €14k
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€211k€249k▲
Fixed assets21/28€53k€66k▲
Tangible fixed assets22/27€53k€66k▲
Plant, machinery and equipment23€3k€8k▲
Furniture and vehicles24€50k€58k▲
Other tangible fixed assets26€354€315▼
Current assets29/58€158k€184k▲
Amounts receivable after more than one year29-€21k
Trade receivables290-€21k
Amounts receivable within one year40/41€17k€17k▲
Trade receivables40€17k€17k▲
Current investments50/53€90k€0▼
Cash at bank and in hand54/58€48k€143k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€211k€249k▲
Equity10/15€139k€185k▲
Contributions10/11€3k€3k=
Reserves13€136k€182k▲
Distributable reserves133€136k€182k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€71k€64k▼
Amounts payable after more than one year17€23k€13k▼
Financial debts170/4€23k€13k▼
Amounts payable within one year42/48€48k€52k▲
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€417€1k▲
Suppliers440/4€417€1k▲
Taxes, remuneration and social security45€27k€27k▼
Taxes450/3€24k€26k▲
Remuneration and social security454/9€3k€1k▼
Other amounts payable47/48€11k€14k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€23k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€83k€89k▲
Operating profit (loss)9901€64k€64k▼
Financial income75/76B€2k€157▼
Recurring financial income75€2k€157▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€64k€62k▼
Income taxes67/77€14k€15k▲
Profit (loss) for the period9904€50k€47k▼
Profit (loss) for the period to be appropriated9905€50k€47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€47k▼
Transfer to equity691/2€48k€45k▼
To other reserves6921€48k€45k▼
Profit to be distributed694/7€2k€2k▼
Return on contributions (dividend)694€2k€2k▼
The notes to these accounts (6 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
17-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €47k ▼5.3%
Net result drops to €47k, the lowest in the series.
31-12
Financial
Equity above €150kEq €185k ▲32.5%
3 profitable years in a row build equity to €185k.
08-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €139k ▲52.3%
2 profitable years in a row build equity to €139k.
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Kortrijk · 1 establishment unit since 2022
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.
Kooigemsestraat(Koo) 48510 KortrijkGround area
980 m²
Building footprint
136 m²
Volume, LiDAR
761 m³
Parcel 34021B0182/00R000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Studio Kerjeus
since 20222.330.083.025
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34021B0182/00R000 | Flanders | 980 m² | 1 · 136 m² | 8.3 m · 2 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 180 EUR awarded · 180 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 180 EUR | 180 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
6488HU5AH1X650C01D41
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,254 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-2022
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
31004Manufacture of dining room, living room, bedroom and bathroom furniture
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
64200Holdings
64210Activities of holding companies
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.