FiHa
ActiveThe computed 12-month bankruptcy probability of FiHa is 1.8% (moderate). The 2025 annual accounts show equity of €36k and a net result of €588. Its solvency ranks better than 29% of 17964 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
74
/ 100
Healthy▲ +54 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability8▲+8
Solvency40▲+30
Growth78
Stability82
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 13.09), but 89.9% 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 47
Relative position
BE, all sectors
reference
Sector 47
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
10.1%
Return on assets
0.2%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
31 d late
2024
60 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€36k▲ 1.6%
2024 · €36k
2024: €36k
2024 → 2025
Total assets
€361k▲ 7.7%
2024 · €336k
2024: €336k
2024 → 2025
Net result
€588
2024 · €-15k
2024: €-15k
2024 → 2025
Working capital
€304k
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€36k-€36k▲ 1.6%
Operating result€-15k-€750
Net result€-15k-€588
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €750 after a loss of €15k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €361k
Fixed assets
€33k▼ 27.4%
Current assets
€329k▲ 13.1%
Equity and liabilities €361k
Equity
€36k▲ 1.6%
Debt
€325k▲ 8.4%
The debt ratio rises from 89.4% to 89.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€9k▲
2024 · €-12k
Cash flow
€9k▲
2024 · €-12k
Solvency
10.1%▼
2024 · 10.6%
Current ratio
13.09
Quick ratio
6.85
Debt / equity
8.95▲
2024 · 8.39
ROE
1.6%▲
2024 · -42.7%
ROA
0.2%▲
2024 · -4.5%
Interest coverage
3911.80▲
2024 · -202.24
Debt
€325k▲
2024 · €300k
Debt ≤ 1 year
€25k
Debt > 1 year
€300k=
2024 · €300k
Income taxes
€165
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€336k€361k▲
Fixed assets21/28€45k€33k▼
Tangible fixed assets22/27€38k€26k▼
Plant, machinery and equipment23€7k€7k▼
Furniture and vehicles24€31k€19k▼
Financial fixed assets28€7k€7k=
Current assets29/58€291k€329k▲
Stocks and contracts in progress3€155k€157k▲
Stocks30/36€155k€157k▲
Amounts receivable within one year40/41€31k€7k▼
Trade receivables40€7k€7k▼
Other amounts receivable41€24k-
Cash at bank and in hand54/58€100k€160k▲
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€336k€361k▲
Equity10/15€36k€36k▲
Contributions10/11€51k€51k=
Profit (loss) carried forward14€-15k€-15k▲
Amounts payable17/49€300k€325k▲
Amounts payable after more than one year17€300k€300k=
Financial debts170/4€300k€300k=
Amounts payable within one year42/48-€25k
Trade debts44-€612
Suppliers440/4-€612
Taxes, remuneration and social security45-€25k
Taxes450/3-€12k
Remuneration and social security454/9-€12k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€9k▲
Other operating charges640/8€6k€6k▲
Gross operating margin9900€-6k€16k▲
Operating profit (loss)9901€-15k€750▲
Financial income75/76B€2€5▲
Recurring financial income75€2€5▲
Financial charges65/66B€60€2▼
Recurring financial charges65€60€2▼
Profit (loss) for the period before taxes9903€-15k€753▲
Income taxes67/77-€165
Profit (loss) for the period9904€-15k€588▲
Profit (loss) for the period to be appropriated9905€-15k€588▲
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-15k▲
Profit (loss) brought forward from the previous period14P-€-15k
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €588
Net result €588 after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
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, Deinze · 1 establishment unit since 2023
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.
Europalaan 959800 DeinzeGround area
4,367 m²
Building footprint
536 m²
Volume, LiDAR
64 m³
Parcel 44054A0102/00N003, Flanders · tallest building 3.2 m. Linked by address, not a title deed.
1 establishment unit
FiHa Motive
since 20232.350.469.455
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44054A0102/00N003 | Flanders | 4,367 m² | 1 · 536 m² | 3.2 m |
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.
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GUTA EXPRESS
BE 0568.937.662
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CM CAR CONSULTING
BE 1024.826.081
Hasselt · Eq €36k
M & B SERVICES
BE 0895.308.218
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AUTO STYLE CAR
BE 0812.702.721
La Louvière · Eq €36k
Of 10,622 companies in sector 47811 we hold annual accounts for 5,194. 3,090 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-10-2023
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.