HABANA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €77k and a net result of €12k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 19% of 9864 sector peers (fiscal year 2024). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 9864 sector peers (2024).
NBB · sector comparisonPosition among 9864 sector peers
Solvency
better than 19%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €77k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-06-2025, 33 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
33 d early
2023
6 d late
2022
372 d late
2021
124 d late
2020
117 d late
2019
73 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€77k▲ 18.6%
2023 · €65k
2018: €63k
2019: €82k
2020: €55k
2021: €42k
2022: €54k
2023: €65k
2018 → 2024
Net result
€12k▲ 11.1%
2023 · €11k
2018: €5k
2019: €18k
2020: €-27k
2021: €-13k
2022: €12k
2023: €11k
2018 → 2024
Total assets
€485k▲ 0.8%
2023 · €481k
2018: €561k
2019: €544k
2020: €519k
2021: €507k
2022: €485k
2023: €481k
2018 → 2024
Solvency
15.9%▲ 2.4pp
2023 · 13.5%
2018: 11.3%
2019: 15.0%
2020: 10.6%
2021: 8.4%
2022: 11.2%
2023: 13.5%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€55k-€42k▼ 23.0%€54k▲ 27.4%€65k▲ 20.1%€77k▲ 18.6%
Operating result€9k-€9k▼ 0.9%€20k▲ 112%€18k▼ 11.9%€24k▲ 34.8%
Net result€-27k-€-13k▲ 52.2%€12k€11k▼ 6.7%€12k▲ 11.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 35% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €485k
Fixed assets
€408k▼ 4.6%
Current assets
€78k▲ 42.6%
Equity and liabilities €485k
Equity
€77k▲ 18.6%
Debt
€408k▼ 2.0%
The debt ratio falls from 86.5% to 84.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
15.9%▲
2023 · 13.5%
ROE
15.7%▼
2023 · 16.7%
ROA
2.5%▲
2023 · 2.3%
Debt
€408k▼
2023 · €416k
Debt ≤ 1 year
€64k▲
2023 · €55k
Debt > 1 year
€344k▼
2023 · €362k
Income taxes
€5k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€481k€485k▲
Fixed assets21/28€427k€408k▼
Tangible fixed assets22/27€427k€408k▼
Land and buildings22€427k€408k▼
Current assets29/58€54k€78k▲
Amounts receivable within one year40/41€37k€58k▲
Trade receivables40€2k€2k=
Other amounts receivable41€35k€56k▲
Cash at bank and in hand54/58€6k€6k▲
Deferred charges and accrued income490/1€12k€14k▲
Equity and liabilities
Total equity and liabilities10/49€481k€485k▲
Equity10/15€65k€77k▲
Contributions10/11€16k€16k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€47k€59k▲
Amounts payable17/49€416k€408k▼
Amounts payable after more than one year17€362k€344k▼
Financial debts170/4€362k€344k▼
Amounts payable within one year42/48€55k€64k▲
Current portion of amounts payable after more than one year42€30k€34k▲
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€8k€12k▲
Taxes450/3€8k€12k▲
Other amounts payable47/48€14k€14k=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k=
Other operating charges640/8€8k€6k▼
Gross operating margin9900€45k€49k▲
Operating profit (loss)9901€18k€24k▲
Financial charges65/66B€7k€7k▲
Recurring financial charges65€7k€7k▲
Profit (loss) for the period before taxes9903€11k€17k▲
Income taxes67/77-€5k
Profit (loss) for the period9904€11k€12k▲
Profit (loss) for the period to be appropriated9905€11k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€59k▲
Profit (loss) brought forward from the previous period14P€36k€47k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
06-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 372 days late
2022
31-12
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
02-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 124 days late
2021
25-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 117 days late
2020
31-12
Financial
Weakest financial yearnet €-27k ▼244%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
12-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 73 days late
2019
31-12
Financial
Highest result since 2018net €18k ▲284%
Net result €18k, the highest in the series.
20-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 112 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
11-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 72 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 acts for this company are 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, Courcelles · 1 establishment unit since 2002
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.
Rue Paul Hulin(CO) 496180 CourcellesGround area
1,331 m²
Building footprint
191 m²
Volume, LiDAR
526 m³
2 parcels, Wallonia · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de l' Yser(TR) 55, 6183 Courcelles
since 20022.098.941.428
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52015C0518/00A002 | Wallonia | 934 m² | 1 · 128 m² | - |
| 52066A0248/00G003 | Wallonia | 397 m² | 1 · 63 m² | 10.0 m · 3 fl. |
Linked by address, not proof of ownership
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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 11,662 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2001
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.