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HABAY FINANCES

Active Risk: not assessed
Private limited companyfounded 2019active for 6 yearsRue Haut-Bois 1, 4670 Blégny, BelgiumKBO/BCE: BE 0739.923.720
Summary

HABAY FINANCES is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €471,577 and a net result of €79,949. Equity has been growing by about 38% per year since 2020. Its solvency ranks better than 39% of 3,049 sector peers (NACE 66, financial year 2025). The company has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals.

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HABAY FINANCESActive
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Overview

Official details

Source: KBO
Status
Active since 23-12-2019 Normal situation
Activity
Agents and brokers in banking services NACE 66191and 2 others
Joint committee
200 Aanvullend Paritair Comité voor de bedienden · annual accounts 2025
Establishment unit
2.353.359.065 4670 Blégny, since 23-12-2019
Financial year end
31 December
Peppol
Reachable since 15-06-2026
Company details

Board and ownership

Board
Holdings
Shares in 1 company HABAY.COM
Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
Profit
€79,949
▼ 69.8%
Equity
€471,577
▲ 20.4%
Total assets
€1.2m
▲ 22.7%
Employees on 31-12-2025
1
=
  • 2025 accounts filed 31 days after the deadline
Filed on 31-08-2026
Financials
Signalsraises risk2025 accounts filed 31 days lateShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

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Signals

1 signal.
raises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filings
Deviation from the deadline
2025
31 days late
2024
61 days late
2023
26 days late
2022
31 days early
2021
30 days late
2020
31 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 25 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 August (4 of the last 5 accounts filed within 31 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Result fell in 2025from €264,785 to €79,949 ▼ 69.8% View
  • Positive: 5th largest company by equity in Blegny, Finance and insurance sectorin the Checked rankings No. 5 View
  • Positive: 6 profitable years in a rowprofit 2025: €79,949 6 years View

Recent changes

  1. · Gazette deed Appointment: Martinussen Julie (director)Resignation: Habay Sébastien (director)
  2. · Gazette deed Incorporation
All 12 events

Comparable companies

These companies have the same main activity as HABAY FINANCES: agents and brokers in banking services (NACE 66191). They are comparable in size and age: total assets between €778,000 and €1.9m, founded between 2016 and 2020.

CompanyTotal assetsGross margin
HABAY FINANCES Blégny€1.2m€0.1m
ELLA SOLUTION Manage€1.3m€0.2m
FVV 2.0 Oostkamp€1.0m€0.1m
GEEDAS Alken€1.3m€0.2m
KLEM MANAGEMENT Amay€0.8m€0.1m
Mabeco Schilde€1.9m€0.2m
NIDUFIN Waregem€0.8m€0.1m
Full comparison

Key facts about HABAY FINANCES
What is the company number of HABAY FINANCES?
The company number of HABAY FINANCES is 0739.923.720. The VAT number is the same number with BE in front: BE 0739.923.720.
Where is HABAY FINANCES based?
The registered office is at Rue Haut-Bois 1, 4670 Blégny.Company details
What does HABAY FINANCES do?
According to the KBO register, the main activity is agents and brokers in banking services (NACE 66191).
What is the legal form of HABAY FINANCES?
The legal form of HABAY FINANCES is Private limited company (BV).
When was HABAY FINANCES founded?
HABAY FINANCES was founded on 23-12-2019.
Is HABAY FINANCES still active?
Yes, HABAY FINANCES is an active enterprise in the KBO register.
How many employees does HABAY FINANCES have?
HABAY FINANCES had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does HABAY FINANCES fall under?
In its 2025 annual accounts, HABAY FINANCES states joint committee 200 (Aanvullend Paritair Comité voor de bedienden).
What is the turnover of HABAY FINANCES?
The turnover in financial year 2025 is ≈ €300,000. This figure is estimated from the gross margin of €144,746 and 41 comparable companies (NACE 66). It probably lies between €230,000 and €380,000.
Is HABAY FINANCES profitable?
In financial year 2025, HABAY FINANCES made a profit of €79,949.
Where can I find the annual accounts of HABAY FINANCES?
HABAY FINANCES filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of HABAY FINANCES due?
HABAY FINANCES must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See what changed in the latest annual accounts.What changed See whether the workforce is growing and whether people stay.Employer check

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