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Complete company report
Generated 03-08-2026
Active BE 0768.841.301Private limited company

H & A EXPRESS

Chaussée de Lodelinsart 210 ·6060 Charleroi, Belgium· 5 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of H & A EXPRESS is 4.2% (elevated). The 2023 annual accounts show equity of €23k and a net result of €6k. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €23k
Net result €6k
Active 5 yrs
Locations 1
Snowflake analysis 5 axes · computed by Checked
Health64Profitability100Solvency52Growth78Stability94
78 / 100

Exceptional profile, strong across almost every axis.

Health 64
Profitability 100
Solvency 52
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
4.2% Elevated
0%0,5%1,5%4%10%≥25%
Young company +No NACE activity registered +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2023 · computed
64 / 100 Healthy
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 16-07-2024 with the NBB · fiscal year 2023 · micro
€-20k€-10k€0€10kOperating result 2022: €-12k€-12kNet result 2022: €-12k€-12kOperating result 2023: €8k€8kNet result 2023: €6k€6k20222023
Operating resultNet result
EBITDA
€38k
- 22-23
Net profit
€6k
- 22-23
Cash flow
€36k
- 22-23
Total assets
€57k
+133.7% 22-23
Equity
€23k
- 22-23
Working capital
€-32k
-216.4% 22-23
Income taxes
€2k
- 22-23
Debt
€33k
+35.9% 22-23
Debt ≤ 1y
€33k
+35.9% 22-23
Current ratio
0.05
-92.0% 22-23
Quick ratio
0.05
-92.0% 22-23
Solvency
41.2%
- 22-23
Debt / equity
1.43
- 22-23
ROE
26.6%
-99.4% 22-23
ROA
11.0%
- 22-23
Interest coverage
787.06
- 22-23
Figures by fiscal year
Fiscal year2023
Revenue-
EBITDA€38k
Net profit€6k
Cash flow€36k
Staff costs-
Income taxes€2k
Dividends-
Total assets€57k
Equity€23k
Debt€33k
of which ≤ 1y€33k
of which > 1y-
Working capital€-32k
Employees (FTE)-
Ratios (computed)
2023
Current ratio0.05
Quick ratio0.05
Working capital ratio-56.0%
Solvency41.2%
Debt / equity1.43
Long-term debt ratio-
Interest coverage787.06
Gross margin-
Net margin-
ROA11.0%
ROE26.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€57k
Fixed assets 21/28€55k
Tangible fixed assets 22/27€55k
Current assets 29/58€2k
Cash & bank 54/58€2k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€57k
Equity 10/15€23k
Contributions / capital 10/11€29k
Accumulated profits (losses) 14€-6k
Amounts payable 17/49€33k
Amounts payable within one year 42/48€33k
Income statement
Gross operating margin 9900€39k
Operating result 9901€8k
Financial charges 65€48
Result before taxes 9903€8k
Income taxes 67/77€2k
Net result for the period 9904€6k
Result to be appropriated 9905€6k
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Ratios computed by Checked.
Legal Structure
NACE primary -
Legal form Private limited company(610)
Incorporation28-05-2021
StatusActive
Postal code6060
Establishment units 1 location
H & A EXPRESS
Ijzerstraat 11, 1620 DrogenbosSlopen van gebouwen en andere bouwwerken
since 20212.321.037.180
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (50%) Wallonia 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
52342A0447/00L002 Wallonia 501 m² 1 · 84 m² 12.8 m · 4 fl.
22001B0269/00G002 Flanders 356 m² 1 · 79 m² 10.6 m · 3 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 4 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
13-06-2025
State Gazette act Director changes
correction
2024
10-10-2024
State Gazette act Director changes
16-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
20-06-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 1 year ago
2025
13-06-2025 1 director appointed, 1 resigning Director changescorrection
  • Timsih Khaled, Bestuurder
  • Achach Yassine, Bestuurder
Technical details 
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      "effective_date": "2025-06-13",
      "evidence_quote": "Nomination de Monsieur Timsih Khaled. Le pr\u00E9nomm\u00E9 accepte sa nomination en tant qu\u0027administrateur. Son mandat prend cours \u00E0 partir de ce jour.",
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      "evidence_quote": "D\u00E9mission de Monsieur Achach Yassine. La pr\u00E9nomm\u00E9e accepte sa d\u00E9mission de son poste d\u0027administratrice. Son mandat prend fin ce jour.",
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      "evidence_quote": "Nouvelle r\u00E9partition des actions: Monsieur Timsih Khaled poss\u00E8de 100 actions /100.",
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    },
    {
      "kind": "correction",
      "role": null,
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      "reason": null,
      "subkind": "rectification",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Transfert du si\u00E8ge social \u00E0 la chauss\u00E9e de Lodelinsart, 210 \u00E0 6060 Gilly",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
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  ],
  "notary": {
    "name": null,
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    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2025-06-13",
    "filing_date": null,
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2025-06-13",
      "unanimous": true
    }
  ],
  "is_correction": true,
  "subject_company": {
    "kbo": "0768.841.301",
    "name_full": "H\u0026A Express",
    "legal_form": "SRL"
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    "org_rep_person_name": null,
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  },
  "co_filed_documents": [],
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}
2024
10-10-2024 1 director appointed, 1 resigning Director changes
  • Achach Yassine, Bestuurder
  • Ahlam Haddad, Bestuurder
Technical details 
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      "evidence_quote": "Nomination de Monsieur Achach Yassine. Le pr\u00E9nomm\u00E9 accepte sa nomination en tant qu\u0027administrateur.",
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    {
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      "evidence_quote": "D\u00E9mission de Madame Ahlam Haddad. La pr\u00E9nomm\u00E9e accepte sa d\u00E9mission de son poste d\u0027administratrice.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_date",
        "value": "2024-10-01"
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    {
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      "evidence_quote": "Mentionner sur la derni\u00E8re page du Volet B: Au recto: Nom et qualit\u00E9 du notaire instrumentant ou de la personne ou des personnes ayant pouvoir de repr\u00E9senter la personne morale \u00E0 l\u0027\u00E9gard des tiers Au verso: Nom et signature",
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      "rep_rotation_old_rep": null,
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    }
  ],
  "notary": {
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    "office_city": null,
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  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2024-10-10",
    "filing_date": "2024-10-02",
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  },
  "decisions": [
    {
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      "date": "2024-10-01",
      "unanimous": true
    }
  ],
  "is_correction": false,
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  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameNL H & A EXPRESS
Registered office
Chaussée de Lodelinsart 210
6060 Charleroi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative