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H.F. ELECTRONICS

Active
Private limited companyfounded 198343 yrs activeMechelsesteenweg 276, 2830 Willebroek, BelgiumKBO/BCE: BE 0423.916.922
Summary

H.F. ELECTRONICS has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €617,821 and a net result of €101,949. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 93% of 11770 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
H.F. ELECTRONICSActiveChecked score 97/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of electrical household appliances
NACE 47540NACE 52450
1 site
Size
€714,655total assets 2025
Equity
€617,821
Profit
€101,949
Turnover not published (abridged schema)
Financial health
97 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Largest shareholder
RC · 49.73%
Accounts 31 d early0 of 3 deeds read
Why 97- Sector Retail trade (NACE 47)+ Liquidity: current ratio 7.03, cash €284,710+ Equity €617,821 (86.5% of total assets)+ Founded in 1983Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Better than 80% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 86.5% of total assets
Liquidity 98-2
short-term debt 13.5% · cash 39.8%
Profitability 87+7
return on assets 14.3%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.7% (39,919 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%● 0.0% vs 12-2024 02-2025: 0.1%● 0.0% vs 01-2025 03-2025: 0.1%● 0.0% vs 02-2025 04-2025: 0.1%▼ -2.9% vs 03-2025 05-2025: 0.1%▲ +1.0% vs 04-2025 06-2025: 0.1%▲ +3.9% vs 05-2025 07-2025: 0.1%▲ +8.4% vs 06-2025 08-2025: 0.1%▲ +24.1% vs 07-2025 09-2025: 0.1%▲ +2.8% vs 08-2025highest value 10-2025: 0.1%▼ -51.4% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%▼ -52.8% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%▼ -2.9% vs 03-2026lowest value 05-2026: < 0.1%▲ +3.0% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%▲ +2.9% vs 06-2026 08-2026: < 0.1%● 0.0% vs 07-2026 09-2026: < 0.1%● 0.0% vs 08-2026 10-2026: < 0.1%▲ +17.1% vs 09-2026
  • Liquidity: current ratio 7.03, cash €284,710 lowers the probability
  • Equity €617,821 (86.5% of total assets) lowers the probability
  • Founded in 1983 lowers the probability for this profile
  • Sector Retail trade (NACE 47) raises the probability
Credit up to €55,000 at 30 days acceptable
Liquidity ample (current ratio 7.03 against 11.22 in 2024; short-term debt: 13.5% and cash: 39.8% of total assets), and 13.5% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 92%, liquidity 96%, profitability 81%, growth against the median 49%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 7.03, cash €284,710
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €617,821 (86.5% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1983
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Sector Retail trade (NACE 47)
In the bankruptcy model this factor raises the probability.
KBO
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-09-2025, 31 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
31 d early
2024
31 d early
2023
32 d early
2022
94 d early
2021
75 d early
2020
1 d early
2019
31 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 42 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 29 September (4 of the last 5 filed years within 43 days of that day).
Companies Code · seven months
Position in the running window
31-03-2026 close03-10-2026 today31-10-2026 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Highest result since 2019net €101,949 ▲69%
  3. Annual accounts filedfiscal year 2024 · abbreviated…

Key points

  • Positive: Among the best 8% on solvencysector median 37.2% · 11,770 companies 86.5% View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 7 profitable years in a rowprofit 2025: €101,949 7 years View

By topic

Financials

Fiscal year
2025
Total assets
€714,655
Profit
€101,949
Solvency
86.5%
Total assets▲ 9.3%
Net result
20192025
Go to Financials

Timeline

Events
15
Since
2016
Next accounts
by 31-10-2026
  1. 30-09-2025Annual accounts filed
  2. 31-03-2025Highest result since 2019
  3. 30-09-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of electrical household appliancesNACE 47540
Founded
18-04-1983
Year ends
31-03
Peppol
Reachable for e-invoices
Go to Company details

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