FILIP D'HAVE
ActiveFILIP D'HAVE has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €24k. Equity is shrinking by ~15.7% per year across the filed fiscal years. Its solvency ranks better than 67% of 7431 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency84▲+17
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.46 against 1.53 in 2024; short-term debt: 37.7% and cash: 55.1% of total assets), and 40.8% 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 · 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
59.2%
Return on assets
27%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 20-01-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
4 d early
2023
28 d early
2022
14 d early
2021
5 d early
2020
2 d early
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k▲ 83.6%
2024 · €29k
2019: €130k
2020: €126k
2021: €99k
2022: €105k
2023: €67k
2024: €29k
2019 → 2025
Total assets
€90k▲ 29.3%
2024 · €70k
2019: €219k
2020: €170k
2021: €127k
2022: €143k
2023: €151k
2024: €70k
2019 → 2025
Net result
€24k
2024 · €-38k
2019: €5k
2020: €-4k
2021: €-27k
2022: €7k
2023: €7k
2024: €-38k
2019 → 2025
Working capital
€50k▲ 147%
2024 · €20k
2019: €108k
2020: €112k
2021: €88k
2022: €95k
2023: €61k
2024: €20k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€99k-€105k▲ 6.7%€67k▼ 36.1%€29k▼ 56.6%€54k▲ 83.6%
Operating result€-26k-€8k€9k▲ 11.4%€-36k€28k
Net result€-27k-€7k€7k▲ 4.2%€-38k€24k
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: €28k after a loss of €36k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €90k
Fixed assets
€7k▼ 43.7%
Current assets
€84k▲ 44.4%
Equity and liabilities €90k
Equity
€54k▲ 83.6%
Debt
€37k▼ 9.5%
The debt ratio falls from 58.3% to 40.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34k▲
2024 · €-31k
Cash flow
€30k▲
2024 · €-33k
Solvency
59.2%▲
2024 · 41.7%
Current ratio
2.46▲
2024 · 1.53
Quick ratio
2.37▲
2024 · 1.45
Debt / equity
0.69▼
2024 · 1.40
ROE
45.5%▲
2024 · -130.3%
ROA
27.0%▲
2024 · -54.4%
Interest coverage
23.07▲
2024 · -18.14
Debt
€37k▼
2024 · €41k
Debt ≤ 1 year
€34k▼
2024 · €38k
Income taxes
€3k▲
2024 · €150
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€70k€90k▲
Fixed assets21/28€12k€7k▼
Tangible fixed assets22/27€12k€7k▼
Land and buildings22€2k€324▼
Plant, machinery and equipment23€128€0▼
Furniture and vehicles24€10k€6k▼
Current assets29/58€58k€84k▲
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41€45k€30k▼
Trade receivables40€43k€30k▼
Other amounts receivable41€3k€185▼
Cash at bank and in hand54/58€9k€50k▲
Deferred charges and accrued income490/1€394€1k▲
Equity and liabilities
Total equity and liabilities10/49€70k€90k▲
Equity10/15€29k€54k▲
Contributions10/11€6k€6k=
Reserves13€23k€47k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€23k€47k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€41k€37k▼
Amounts payable within one year42/48€38k€34k▼
Trade debts44€22k€20k▼
Suppliers440/4€22k€20k▼
Taxes, remuneration and social security45€10k€4k▼
Taxes450/3€6k€4k▼
Remuneration and social security454/9€4k€0▼
Other amounts payable47/48€6k€10k▲
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€-30k€35k▲
Operating profit (loss)9901€-36k€28k▲
Financial income75/76B€32€51▲
Recurring financial income75€32€51▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-38k€27k▲
Income taxes67/77€150€3k▲
Profit (loss) for the period9904€-38k€24k▲
Profit (loss) for the period to be appropriated9905€-38k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-69k€24k▲
Profit (loss) brought forward from the previous period14P€-31k€0▲
Transfer from equity791/2€69k€0▼
Transfer to equity691/2€0€24k▲
To other reserves6921€0€24k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (4 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
20-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €-38k ▼653%
Net result drops to €-38k, the lowest in the series; recovery starts the following year.
03-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
30-06
Financial
Equity above €100kEq €105k ▲6.7%
Equity rises from €99k to €105k.
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Maldegem · 1 establishment unit since 1994
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.
Bloemestraat 519990 MaldegemGround area
473 m²
Building footprint
122 m²
Volume, LiDAR
756 m³
Parcel 43010B1515/00F000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bloemestraat 51, 9990 Maldegem
since 19942.066.193.139
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43010B1515/00F000 | Flanders | 473 m² | 1 · 122 m² | 10.1 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.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 13,121 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-1993
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
45211
79901Tourist information services
Sources
Crossroads Bank for EnterprisesNational Bank · 31 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.