Financials
- Fiscal year
- 2025
- Total assets
- €774,569
- Loss
- -€44,282
- Solvency
- 14.8%
Total assets▼ 2.4%
Net result
20192025
H & N
ActiveSummary
H & N has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €114,516 and a net result of -€44,282. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 34% of 18973 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Overview
What they do
Non-specialised retail sale with food, beverages or tobacco predominating
NACE 47110NACE 47113
1 site
How big
€774,569total assets 2025
- Staff
- 7.4 FTE
- Equity
- €114,516
- Loss
- -€44,282
Turnover not published (abridged schema)
Who decides
Accounts 31 d overdue0 of 3 deeds read
Why 42- Higher-failure-rate sector- Annual accounts: weaker financial profile- Persistent lossesFiled after the deadlineShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability18▼-31
Solvency40▼-7
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.05 against 1.22 in 2024; short-term debt: 66% and cash: 7.1% of total assets), and 85.2% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
14.8%
Return on assets
-5.7%
Age of the figures
20 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
192021222425
2019 to 2025 · latest year -€44,282
neutral · Filed after the deadline
The financial year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 22-11-2025, 83 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 · 7 filingsDeviation from the deadline
2026
not confirmed
2025
83 d late
2024
61 d late
2022
33 d late
2021
58 d late
2020
74 d late
2019
27 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 56 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet -€44,282
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 12
- Since
- 2018
- 22-11-2025Annual accounts filed
- 31-01-2025Weakest financial year
- 31-10-2024Annual accounts filed
Support & recognitions
- Recognitions
- 1 register
- FASFC
- 1authorised site
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Non-specialised retail sale with food, beverages or tobacco…NACE 47110
- Founded
- 25-02-2016
- Year ends
- 31-01
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.