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FH GARAGE

Active
Private limited companyfounded 1999active for 27 yearsAvenue des Croix du Feu 1, 5000 Namur, BelgiumKBO/BCE: BE 0465.937.124
Summary

FH GARAGE has been active since 1999 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €72,427 and a net result of -€6,388. Equity has been growing by about 10% per year since 2018. Its solvency ranks better than 57% of 3,304 sector peers (NACE 95, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Overview

Official details

Source: KBO
Status
Active since 26-04-1999 Normal situation
Activity
General maintenance and repair of cars and light vans (up to 3.5 tonnes) NACE 95311and 4 others
Joint committees
112 Paritair Comité voor het garagebedrijf
200 Aanvullend Paritair Comité voor de bedienden · annual accounts 2024
Establishment unit
2.091.933.771 5000 Namur, since 18-08-1999
Financial year end
31 December
Peppol
Reachable since 30-09-2025

Board and ownership

Board

Financial position

83 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.4%
Annual accounts 2025
Gross margin
€138,926
▲ 24.5%
Turnover
≈ €420,000
estimated
Loss
€6,388
▼ 68.9%
Equity
€72,427
▼ 8.1%
Total assets
€159,588
▼ 12.6%
Employees on 31-12-2025
3
▲ 50.0%
Filed on 02-07-2026, 29 days before the deadline
Score breakdownraises risk1 change of registered office in 24 monthsLoss of €6,388, the second in a row (financial year 2025)lowers riskLiquidity: current ratio 1.72, cash €44,090Figures for financial year 2025 (filed on 02-07-2026)Show the evidence

Checked score

Score 2025
83 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 44% of micro companies in repair of computers and personal goods (NACE 95)
Financial strength · tick: 2024
Strong
Solvency 70+2
equity 45.4% of total assets
Liquidity 70-3
short-term debt 32.9% · cash 27.6%
Profitability 49+40
return on assets -4.0%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (5,128 companies, NACE 95, micro)
Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024lowest value 02-2025: 0.1%● unchanged vs 01-2025lowest value 03-2025: 0.1%● unchanged vs 02-2025lowest value 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.3%▲ +0.2 percentage points vs 06-2025 08-2025: 0.3%● unchanged vs 07-2025 09-2025: 0.8%▲ +0.5 percentage points vs 08-2025 10-2025: 0.8%● unchanged vs 09-2025 11-2025: 0.8%● unchanged vs 10-2025 12-2025: 0.8%● unchanged vs 11-2025 01-2026: 0.8%● unchanged vs 12-2025 02-2026: 0.8%● unchanged vs 01-2026 03-2026: 0.8%● unchanged vs 02-2026 04-2026: 0.8%● unchanged vs 03-2026 05-2026: 0.9%▲ +0.1 percentage points vs 04-2026 06-2026: 0.8%▼ -0.1 percentage points vs 05-2026 07-2026: 0.9%▲ +0.1 percentage points vs 06-2026highest value 08-2026: 0.4%▼ -0.5 percentage points vs 07-2026 09-2026: 0.4%● unchanged vs 08-2026 10-2026: 0.4%● unchanged vs 09-2026 11-2026: 0.4%● unchanged vs 10-2026
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.72 (1.68 in 2024), above the usual 1.5. Short-term debt is 32.9% and cash 27.6% of total assets. However, 54.6% of the assets are financed with debt and provisions.
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 95, micro). It does better than 56% of them on solvency, 71% on liquidity, 27% on profitability and 24% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
lowers risk · Liquidity: current ratio 1.72, cash €44,090
NBB · annual accounts
raises risk · Loss of €6,388, the second in a row (financial year 2025)
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 02-07-2026)
NBB · annual accounts
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 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€6,388
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
29 days early
2024
55 days early
2023
40 days early
2022
62 days early
2021
32 days early
2020
46 days early
2019
46 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 44 days before the deadline. In the sector (NACE 95), 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 22 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower net result than 83% of companies in repair of computers and personal goodssector median €8,472 · 3,303 companies -€6,388 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Caution: 2 loss-making years in a rowloss in financial year 2025 -€6,388 View

Recent changes

  1. · Gazette deed Registered office moved from Wavre to Namur
  2. · Gazette deed Company renamed from HARVENGT to FH GARAGEChanges of role: HARVENGT Emmanuel (director) and HARVENGT Fabrice (director)
  3. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as FH GARAGE: general maintenance and repair of cars and light vans (up to 3.5 tonnes) (NACE 95311). They are comparable in size and age: total assets between €131,000 and €180,000, founded between 1995 and 2002.

CompanyTotal assetsGross margin
FH GARAGE Namur€159,588€138,926
STATION GARAGE DU TILLEUL Beauraing€154,438€124,128
MARVINCE Braine-l'Alleud€180,407€156,543
JL MOTOR ONE Vorst€166,448€123,284
SCHLITZ Seraing€177,434€120,716
BERNARD LOGIST & CIE Schaarbeek€157,074€164,842
PACOLET Sint-Truiden€130,854€135,489
Full comparison

Key facts about FH GARAGE

What is the company number of FH GARAGE?
The company number of FH GARAGE is 0465.937.124. The VAT number is the same number with BE in front: BE 0465.937.124.
Where is FH GARAGE based?
The registered office is at Avenue des Croix du Feu 1, 5000 Namur.Company details
What does FH GARAGE do?
According to the KBO register, the main activity is general maintenance and repair of cars and light vans (up to 3.5 tonnes) (NACE 95311).
What is the legal form of FH GARAGE?
The legal form of FH GARAGE is Private limited company (BV).
When was FH GARAGE founded?
FH GARAGE was founded on 26-04-1999.
Is FH GARAGE still active?
Yes, FH GARAGE is an active enterprise in the KBO register.
How many employees does FH GARAGE have?
FH GARAGE had an average of 2.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does FH GARAGE fall under?
In its 2024 annual accounts, FH GARAGE states joint committees 112 (Paritair Comité voor het garagebedrijf) and 200 (Aanvullend Paritair Comité voor de bedienden).
What is the turnover of FH GARAGE?
The turnover in financial year 2025 is ≈ €420,000. This figure is estimated from the gross margin of €138,926 and 44 comparable companies (NACE 953). It probably lies between €330,000 and €560,000.
Is FH GARAGE profitable?
In financial year 2025, FH GARAGE made a loss of €6,388.
Where can I find the annual accounts of FH GARAGE?
FH GARAGE filed 27 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of FH GARAGE due?
FH GARAGE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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