BL HAVI

Active

Private limited companyfounded 2011active for 15 yearsMaria-Christinastraat 74, 1020 Brussel, BelgiumKBO/BCE: BE 0836.557.989

Summary

The computed 12-month bankruptcy probability of BL HAVI is 6.4% (elevated). The 2024 annual accounts show negative equity (-€13,062) and a net result of -€24,798. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 25% of 6,092 sector peers (NACE 96, financial year 2024). The company has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

BL HAVIActiveChecked score 33/100

Risk analysis Report Compare

Activity

Launderettes and laundries for private customers

NACE 96102Telecommunications resale and intermediation services NACE 61200

3 sites

Size

€67,927total assets 2024

Equity: -€13,062
Loss: -€24,798

Turnover not published (micro format)

Financial health

33 Weak Checked score 2024

Bankruptcy probabilitywithin 12 months: 6.4%

Structure

AHMAD IrfanDirector

2025 accounts not filed, 86 days past the deadline2 of 4 deeds summarised

Why 33raises risk1 financial year not filed after the legal deadline; last filed accounts filed 127 days late; 3 of the last 3 lateLiquidity: current ratio 0.83, cash €30lowers riskSize: total assets €67,927Founded in 2011Show the evidence

Checked score

Score 2024

33 / 100

Weak

Probability in this band: 4.2% to 15.0%

Financially better than 11% of its sector peers (NACE 96, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2022

Weak

Solvency 6-77

equity -19.2% of total assets

Liquidity 0-30

short-term debt 119.2% · cash 0.0%

Profitability 0-88

return on assets -36.5%

Bankruptcy probability, 12 months

6.4% Elevated

0%0.5%1.5%4%10%≥ 25%

About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (7,611 companies, NACE 96, micro)

Last 24 months 11-2024: 5.3%lowest value 12-2024: 7.2%▲ +1.9 percentage points vs 11-2024 01-2025: 9.9%▲ +2.7 percentage points vs 12-2024 02-2025: 9.9%● unchanged vs 01-2025 03-2025: 10.4%▲ +0.5 percentage points vs 02-2025 04-2025: 9.7%▼ -0.7 percentage points vs 03-2025 05-2025: 9.7%● unchanged vs 04-2025 06-2025: 9.7%● unchanged vs 05-2025 07-2025: 9.7%● unchanged vs 06-2025 08-2025: 12.0%▲ +2.3 percentage points vs 07-2025highest value 09-2025: 12.0%● unchanged vs 08-2025highest value 10-2025: 12.0%● unchanged vs 09-2025highest value 11-2025: 12.0%● unchanged vs 10-2025highest value 12-2025: 12.0%● unchanged vs 11-2025highest value 01-2026: 6.5%▼ -5.5 percentage points vs 12-2025 02-2026: 6.5%● unchanged vs 01-2026 03-2026: 6.5%● unchanged vs 02-2026 04-2026: 6.5%● unchanged vs 03-2026 05-2026: 6.4%▼ -0.1 percentage points vs 04-2026 06-2026: 6.1%▼ -0.3 percentage points vs 05-2026 07-2026: 5.8%▼ -0.3 percentage points vs 06-2026 08-2026: 6.3%▲ +0.5 percentage points vs 07-2026 09-2026: 6.1%▼ -0.2 percentage points vs 08-2026 10-2026: 6.4%▲ +0.3 percentage points vs 09-2026

No credit on open account

Liquidity insufficient (current ratio 0.83, compared with 2.34 in 2022, below 1; short-term debt: 119.2% and cash: 0% of total assets), and equity is negative.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 96, micro): better than 23% on solvency, 2% on liquidity and 8% on profitability.

The bankruptcy probability was computed on 24-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Seven signals.

lowers riskraises risk

1 financial year not filed after the legal deadline; last filed accounts filed 127 days late; 3 of the last 3 late

NBB · filings

Liquidity: current ratio 0.83, cash €30

NBB · annual accounts

Size: total assets €67,927

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Founded in 2011

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Negative equity

The 2024 annual accounts show negative equity and a net loss.

NBB · annual accounts 2024

Equity per financial year

181920212224

2018 to 2024 · latest year -€13,062

Annual accounts not filed

The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 86 days later.

NBB · 10 filings

Position against the passed deadline

31-12-2025 year end31-07-2026 deadline25-10-2026 today

2024 accounts filed 127 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-12-2025, 127 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.

NBB · 10 filings

Deviation from the deadline

2025

not filed

2024

127 days late

2022

148 days late

2021

185 days late

2020

90 days late

2019

13 days late

2018

28 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 99 days after the deadline; the sector median (NACE 96) for financial year 2024 is on the deadline day, and 48% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

05-12-2025 Annual accounts filedfinancial year 2024 · micro…
23-01-2025 Purpose · Amendment of the articles…Purpose change
19-01-2024 Resignation: AHMAD Irfan (manager)Appointment: AHMAD Irfan (director) ·…

Key points

Risk: Negative equityfinancial year 2024: debts exceed assets -€13,062 View
Caution: Among the weakest 7% on net resultsector median €2,851 · 6,085 companies -€24,798 View
Caution: 2025 accounts not fileddeadline was 31-07-2026 86 days past the deadline View

By topic

Financials

Financial year: 2024
Total assets: €67,927
Loss: -€24,798
Solvency: -19.2%

Turnover▼ 72.3%

Net result

20182020

Go to Financials

Board & ownership

Board: 1 member

AHMAD IrfanDirector

Go to Board & ownership

Timeline

Events: 17
Since: 2013

26-12-2023Annual accounts filed
01-02-2023Annual accounts filed
31-12-2022Highest result from 2018 to 2024

Go to Timeline

Company details

Sites: 3

Legal form: Private limited company
Activity: Launderettes and laundries for private customersNACE 96102
Founded: 26-05-2011
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 12

Who signs: Each director alone
Annual meeting: Last Thursday of May at 20:00
Purpose: “Le commerce sous toutes ses formes et notamment l’importation,l’exportation,l’achat et la…” (deed in French)

Go to Articles of association

Key facts about BL HAVI

What is the company number of BL HAVI?: 0836.557.989. In Belgium the VAT number is the company number with BE in front: BE 0836.557.989.
Where is BL HAVI based?: The registered office is at Maria-Christinastraat 74, 1020 Brussel.Company details
What does BL HAVI do?: According to the KBO register, the main activity is launderettes and laundries for private customers (NACE 96102).
What is the legal form of BL HAVI?: Private limited company (BV).
When was BL HAVI founded?: On 26-05-2011.
Is BL HAVI still active?: Yes, BL HAVI is an active enterprise in the KBO register.
What is the turnover of BL HAVI?: €1,221 in financial year 2020, according to the filed annual accounts.Financials
Is BL HAVI profitable?: In financial year 2024, BL HAVI made a loss of €24,798.
Where can I find the annual accounts of BL HAVI?: BL HAVI filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2024.