Losses
-€4,290 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
DHAS
Lifetime
20 annual accounts with figures on one time axis, 35 filings since 1991peak €29,849 (2012)
€9,163▼ 32.5%
lowest -€4,247 (2025)
-€4,247▼ €4,205
peak €71,633 (2023)
€67,344▼ 5.9%
€83,893▲ 1.0%
Board2 names since 2005
2 directorsDE HOUWER Harald Eduard Corneel and 1 other
Documentsfilings and deeds
29-06-202632 days before the deadline
2025micro format
Gross margin from €13,579 to €9,163Loss of €4,247Cash from €11,422 to €16,404
Key points
from the 2025 annual accountsChecked score
86
Excellent
Financially stronger than 42% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.6%▲ +0.2 percentage points vs 06-2025
08-2025: 0.3%▼ -0.3 percentage points vs 07-2025
09-2025: 0.3%● unchanged vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.4%▲ +0.1 percentage points vs 06-2026
08-2026: 0.7%▲ +0.3 percentage points vs 07-2026
09-2026: 0.9%▲ +0.2 percentage points vs 08-2026highest value
10-2026: 0.3%▼ -0.6 percentage points vs 09-2026lowest value
11-2026: 0.3%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Sector: Retail trade (NACE 47)
Loss of €4,247, the second in a row (financial year 2025)
lowers risk
Founded in 1991
Liquidity: current ratio 2.80, cash €16,404
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 47, micro). It does better than 59% of them on solvency, 49% on liquidity, 30% on profitability and 30% on growth.
The bankruptcy probability was computed on 09-11-2026 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 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 12,322 companies had the same profile as DHAS has now. Each dot stands for 31 companies, two years later.
90.3%
were still trading
8.6%
stopped another way
0.7%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of DHAS itself: 0.3% 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 12,322 companies, not a prediction for DHAS. 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 €5,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.8 (2.87 in 2024), above the usual 1.5. Short-term debt is 33.5% and cash 10.8% of total assets. However, 55.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 days early
2024
16 days early
2023
33 days early
2022
26 days late
2021
25 days late
2020
10 days late
2019
13 days late
← 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 1 day before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 15 July (4 of the last 5 accounts filed within 41 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0442500637
2 directors appointed, 2 resignations
Resignations: DE HOUWER Harald Eduard Corneel and DE HOUWER Gerrit Eduard Corneel · Appointments: DE HOUWER Harald Eduard Corneel (director) and DE HOUWER Gerrit Eduard Corneel (director) · “Houten timmerwerken en schrijnwerk; Metalen schrijnwerk en alle mogelijke kunststoffen; Reiniging en wassen…” (deed in Dutch) · General meeting of 28-11-2023 · Gazette deed
Environmental permit refused
Functiewijziging zonder verbouwingswerken, Gevel-, dak-, instandhoudings- en renovatiewerken binnen een gebouw, zonder volume- of oppervlaktewijziging · Provincie Antwerpen
First establishment
Ambachtsstraat 50, Malle
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DHAS Malle | €151,236 | €9,163 | 44.5% | - |
| IMMO GUZZI Wommelgem | €148,350 | €9,784 | 21.1% | - |
| DEFER Sint-Katelijne-Waver | €171,910 | €8,878 | 39.4% | - |
| GARAGE J. HOLEMANS Westerlo | €135,094 | €9,949 | 67.6% | - |
| SSB-INVEST Wuustwezel | €147,240 | €9,283 | -60.1% | - |
| MARICAR Boortmeerbeek | €149,155 | €10,646 | 96.4% | - |
| Ghattas Car Woluwe-Saint-Lambert | €123,991 | €10,080 | 13.6% | - |
These companies have the same main activity as DHAS: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €124,000 and €172,000, founded between 1989 and 1997.
Official details
Source: KBO- Status
- Active since 02-01-1991Normal situation
- Activity
- Retail sale of cars and light vans (up to 3.5 tonnes)NACE 47811and 4 others
- Establishment unit
- 2.051.724.6972390 Malle, since 28-02-1991
- Financial year end
- 31 December
- Peppol
- Reachable since 10-10-2025
Annual accounts 2025
- €151,236▼ 2.2%
- Filing
- Filed on 29-06-2026, 32 days before the end of the filing period
Insights on DHAS
DHAS files the micro format. That format states no turnover. The gross margin fell from €14,371 in 2006 to €9,163 in 2025.
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 DHAS
- What is the company number of DHAS?
- The company number of DHAS is 0442.500.637. The VAT number is the same number with BE in front: BE 0442.500.637.
- Where is DHAS based?
- The registered office is at Ambachtsstraat 50, 2390 Malle.Company details
- What does DHAS do?
- According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
- What is the legal form of DHAS?
- DHAS is a private limited company (BV).
- When was DHAS founded?
- DHAS was founded on 02-01-1991.
- Is DHAS still active?
- Yes, DHAS is an active enterprise in the KBO register.
- What is the turnover of DHAS?
- The turnover in financial year 2025 is ≈ €130,000. This figure is estimated from the gross margin of €9,163 and 72 comparable companies (NACE 47811). It probably lies between €69,000 and €420,000. It is a rough estimate.Financials
- Is DHAS profitable?
- In financial year 2025, DHAS made a loss of €4,247.
- Where can I find the annual accounts of DHAS?
- DHAS filed 35 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of DHAS due?
- DHAS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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