HAAG 4
ActiveThe computed 12-month bankruptcy probability of HAAG 4 is 3.3% (moderate). The 2025 annual accounts show equity of €3k and a net result of €21k. Equity is growing by ~63.3% per year across the filed fiscal years. Its solvency ranks better than 29% of 13071 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency12▼-88
Growth58▼-20
Stability100
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.87 against 6.7 in 2024), and 94.6% 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
5.4%
Return on assets
44.8%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
4 d early
2024
25 d early
2023
19 d early
2022
1 d early
2021
27 d early
2020
23 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 97.5%
2024 · €99k
2020: €12k
2021: €21k
2022: €38k
2023: €62k
2024: €99k
2020 → 2025
Total assets
€46k▼ 59.9%
2024 · €115k
2020: €45k
2021: €70k
2022: €68k
2023: €96k
2024: €115k
2020 → 2025
Net result
€21k▼ 44.1%
2024 · €37k
2020: €10k
2021: €9k
2022: €16k
2023: €24k
2024: €37k
2020 → 2025
Working capital
€-6k
2024 · €88k
2020: €1k
2021: €13k
2022: €30k
2023: €50k
2024: €88k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€38k▲ 76.3%€62k▲ 63.3%€99k▲ 59.7%€3k▼ 97.5%
Operating result€14k-€24k▲ 66.5%€33k▲ 37.7%€49k▲ 48.9%€29k▼ 39.3%
Net result€9k-€16k▲ 81.2%€24k▲ 46.2%€37k▲ 54.1%€21k▼ 44.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €46k
Fixed assets
€8k▼ 26.1%
Current assets
€38k▼ 63.4%
Equity and liabilities €46k
Equity
€3k▼ 97.5%
Debt
€43k▲ 173%
The debt ratio rises from 13.9% to 94.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€32k▼
2024 · €52k
Cash flow
€23k▼
2024 · €40k
Solvency
5.4%▼
2024 · 86.1%
Current ratio
0.87▼
2024 · 6.70
Quick ratio
0.83▼
2024 · 6.56
Debt / equity
17.40▲
2024 · 0.16
ROE
824.8%▲
2024 · 37.4%
ROA
44.8%▲
2024 · 32.2%
Interest coverage
7.27▼
2024 · 17.11
Debt
€43k▲
2024 · €16k
Debt ≤ 1 year
€43k▲
2024 · €15k
Income taxes
€6k▼
2024 · €10k
Staff costs
€10k▲
2024 · €8k
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€115k€46k▼
Fixed assets21/28€11k€8k▼
Tangible fixed assets22/27€11k€8k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€4k€3k▼
Current assets29/58€104k€38k▼
Amounts receivable after more than one year29€70k€0▼
Other amounts receivable291€70k€0▼
Stocks and contracts in progress3€2k€2k▼
Stocks30/36€2k€2k▼
Amounts receivable within one year40/41€564€2k▲
Trade receivables40-€80
Other amounts receivable41€564€2k▲
Cash at bank and in hand54/58€31k€34k▲
Deferred charges and accrued income490/1-€232
Equity and liabilities
Total equity and liabilities10/49€115k€46k▼
Equity10/15€99k€3k▼
Contributions10/11€3k€3k=
Reserves13€96k€0▼
Distributable reserves133€96k€0▼
Profit (loss) carried forward14-€0
Amounts payable17/49€16k€43k▲
Amounts payable within one year42/48€15k€43k▲
Current portion of amounts payable after more than one year42€693€0▼
Financial debts43-€701
Credit institutions430/8-€701
Trade debts44€1k€4k▲
Suppliers440/4€1k€4k▲
Taxes, remuneration and social security45€10k€27k▲
Taxes450/3€10k€23k▲
Remuneration and social security454/9€715€4k▲
Other amounts payable47/48€3k€12k▲
Accrued charges and deferred income492/3€450€0▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€8k€10k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€61k€44k▼
Operating profit (loss)9901€49k€29k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€47k€27k▼
Income taxes67/77€10k€6k▼
Profit (loss) for the period9904€37k€21k▼
Profit (loss) for the period to be appropriated9905€37k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€37k€21k▼
Transfer from equity791/2-€96k
Transfer to equity691/2€37k€0▼
To other reserves6921€37k€0▼
Profit to be distributed694/7-€117k
Return on contributions (dividend)694-€117k
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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €37k ▲54.1%
Operating result €49k, net result €37k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 6.70
Current ratio from 2.48 to 6.70; short-term debt falls from €34k to €15k.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €9k ▼9%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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, Mol · 1 establishment unit since 2020
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.
Haag 42400 MolGround area
727 m²
Building footprint
267 m²
Volume, LiDAR
1,073 m³
Parcel 13433E1535/00Y000, Flanders · tallest building 8.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
HAAG 4
since 20202.298.044.816
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13433E1535/00Y000 | Flanders | 727 m² | 1 · 267 m² | 8.7 m · 1 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteMol2.298.044.816
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Of 21,621 companies in sector 56112 we hold annual accounts for 9,654. 3,434 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-01-2020
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.