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Generated 17-07-2026
Active BE 0733.683.848Private limited company

H&A Solution

Pieter Tackstraat 12 ·9160 Lokeren, Belgium· 6 yrs active
Sector: Construction of buildings (41001)
Conclusion Checked

The computed 12-month bankruptcy probability of H&A Solution is 2.4% (moderate). The 2024 annual accounts show equity of €68k and a net result of €-94. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 93% of 3813 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.
Key figures
Equity €68k
Net result €-94
Better than sector 93%
Active 6 yrs
Snowflake analysis 5 axes · computed by Checked
Health42Profitability8Solvency100Growth35Stability100
57 / 100

Mixed profile: strong on solvency, weaker on profitability.

Health 42
Profitability 8
Solvency 100
Growth 35
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
2.4% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +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 2019, 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 2024 · computed
42 / 100 Weak
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview5 NBB filings
Annual accounts filed on 24-06-2025 with the NBB · fiscal year 2024 · micro
€-100k€0€100k€200k€300kRevenue 2020: €283k€283kOperating result 2020: €39k€39kNet result 2020: €33k€33kRevenue 2021: €287k€287kOperating result 2021: €35k€35kNet result 2021: €32k€32kRevenue 2022: €248k€248kOperating result 2022: €45k€45kNet result 2022: €39k€39kRevenue 2023: €87k€87kOperating result 2023: €3k€3kNet result 2023: €3k€3kRevenue 2024: €64k€64kOperating result 2024: €-10k€-10kNet result 2024: €-94€-9420202021202220232024
RevenueOperating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~15.8%/year over 5 fiscal years, indicative, assuming unchanged policy.
€0€50k€100k€150k2025: €87k (€75k - €99k)2026: €97k (€79k - €116k)2027: €108k (€82k - €133k)2020: €29k2021: €46k2022: €65k2023: €68k2024: €68k20202021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 81.9% 39.4%
better than 93% of 3813 sector peers
Net result €-94 €10k
better than 23% of 3810 sector peers
Equity €68k €29k
better than 77% of 3818 sector peers
Gross operating margin €-7k €26k
better than 5% of 3808 sector peers
Staff costs €79 €15k
higher than 6% of 1119 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€64k
-26.6% 20-24
EBITDA
€-7k
- far below sector median
Net profit
€-94
- far below sector median
Cash flow
€2k
-88.3% -98% vs sector
Total assets
€83k
-10.0% -97% vs sector
Equity
€68k
-0.1% -87% vs sector
Working capital
€56k
+546.1% -88% vs sector
Employees (FTE)
0
- -98% vs sector
Staff costs
€79
-98.5% -100% vs sector
Income taxes
€708
-86.4% -99% vs sector
Debt
€15k
-37.8% -99% vs sector
Debt ≤ 1y
€15k
-37.8% -99% vs sector
Current ratio
4.74
+248.5% +285% vs sector
Quick ratio
4.74
+248.5% far above sector median
Solvency
81.9%
+10.9% far above sector median
Debt / equity
0.22
-37.7% -94% vs sector
ROE
-0.1%
- far below sector median
ROA
-0.1%
- far below sector median
Net margin
-0.1%
- 20-24
EBITDA margin
-11.4%
- 20-24
Interest coverage
-40.68
- far below sector median
Figures by fiscal year
Fiscal year2024
Revenue€64k
EBITDA€-7k
Net profit€-94
Cash flow€2k
Staff costs€79
Income taxes-
Dividends-
Total assets€83k
Equity€68k
Debt€15k
of which ≤ 1y€15k
of which > 1y-
Working capital€56k
Employees (FTE)-
Ratios (computed)
2024
Current ratio4.74
Quick ratio4.74
Working capital ratio67.6%
Solvency81.9%
Debt / equity0.22
Long-term debt ratio-
Interest coverage-40.68
Gross margin-10.8%
Net margin-0.1%
ROA-0.1%
ROE-0.1%
EBITDA margin-11.4%
Days sales outstanding198d
Days payable outstanding76d
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€83k
Fixed assets 21/28€12k
Tangible fixed assets 22/27€12k
Current assets 29/58€71k
Amounts receivable within one year 40/41€35k
Cash & bank 54/58€36k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€83k
Equity 10/15€68k
Contributions / capital 10/11€6k
Accumulated profits (losses) 14€62k
Amounts payable 17/49€15k
Amounts payable within one year 42/48€15k
Trade debts payable within one year 44€15k
Income statement
Turnover 70€64k
Gross operating margin 9900€-7k
Operating result 9901€-10k
Financial income 75€2k
Financial charges 65€180
Result before taxes 9903€-94
Net result for the period 9904€-94
Result to be appropriated 9905€-94
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Construction of buildings(41001)
Legal form Private limited company(610)
Incorporation04-09-2019
StatusActive
Postal code9160
Establishment units 1 location
H&A Solution
Kouter 75, 9160 LokerenBouw van autowegen, straten en andere wegen en paden voor voertuigen en voetgangers (inclusief het plaatsen van vangrails)
since 20192.294.048.614
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 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46384E2019/00V000 Flanders 534 m² 1 · 221 m² 9.2 m · 1 fl.
46384E1781/00V004 Flanders 178 m² 1 · 99 m² 8.7 m · 2 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 6 events

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

2025
24-06-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
14-05-2025
State Gazette act Capital & shares
2024
29-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
29-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
31-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
16-09-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
Belgisch Staatsblad, acts 1 acts
Capital history · 1
14-05-2025
Capital change
All acts · 1 updated 1 year ago
2025
14-05-2025 All shares are now held by a single shareholder Capital & shares
Technical details 
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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
Activities
Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Vervaardiging van ander schrijn- en timmerwerk16230Vervaardiging van ander schrijn- en timmerwerk16230Bouw van civieltechnische werken voor elektriciteit en telecommunicatie42220Bouw van civieltechnische werken voor elektriciteit en telecommunicatie42220Elektrotechnische installatiewerken aan gebouwen43211Algemene elektrotechnische installatiewerken43211Overige bouwinstallatie43240Overige bouwinstallatie, n.e.g.43299Reparatie van consumentenelektronica95210Reparatie en onderhoud van consumentenelektronica95210
Primary activity highlighted.
Names & trade names
Legal nameNL H&A Solution
Registered office
Pieter Tackstraat 12
9160 Lokeren, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative