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Habel

Active
Private limited company (pre-2019)founded 1970active for 56 yearsRue de l'Université 1, 4000 Liège, BelgiumKBO/BCE: BE 0407.418.509
Summary

Habel has been active since 1970 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€54,514) and a net result of €985. Equity has been stable since 2018 (±1.3% per year). Its solvency ranks better than 5% of 22,774 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Overview

Official details

Source: KBO
Status
Active since 01-09-1970 Normal situation
Activity
Retail sale of antiques NACE 47791and 1 other
Establishment unit
2.105.602.358 4000 Liège, since 01-11-1970
Financial year end
31 December
Peppol
Reachable

Financial position

54 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.8%
Annual accounts 2025
Turnover
€7,665
▲ 5.9%
Profit
€985
Equity
-€54,514
▲ 1.8%
Total assets
€5,761
▼ 0.4%
  • Negative equity on 31-12-2025
Score breakdownraises riskCapped at 59: negative equitySector: Retail trade (NACE 47)Negative equity -€54,514Liquidity: current ratio 0.02, cash €168lowers riskSize: turnover €7,665, total assets €5,761Show the evidence

Checked score

Score 2025
54 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 34% of micro companies in retail trade (NACE 47)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Weak
Solvency 0=
equity -946.3% of total assets
Liquidity 4=
short-term debt 1046.3% · cash 2.9%
Profitability 80+80
return on assets 17.1%
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 0.8%lowest value 01-2025: 0.8%● unchanged vs 12-2024 02-2025: 0.8%● unchanged vs 01-2025 03-2025: 0.8%● unchanged vs 02-2025 04-2025: 0.9%▲ +0.1 percentage points vs 03-2025 05-2025: 0.9%● unchanged vs 04-2025 06-2025: 0.8%▼ -0.1 percentage points vs 05-2025 07-2025: 1.8%▲ +1.0 percentage point vs 06-2025 08-2025: 1.8%● unchanged vs 07-2025 09-2025: 1.8%● unchanged vs 08-2025 10-2025: 1.8%● unchanged vs 09-2025 11-2025: 1.8%● unchanged vs 10-2025 12-2025: 1.8%● unchanged vs 11-2025 01-2026: 1.9%▲ +0.1 percentage points vs 12-2025 02-2026: 1.9%● unchanged vs 01-2026 03-2026: 1.9%● unchanged vs 02-2026 04-2026: 2.0%▲ +0.1 percentage points vs 03-2026 05-2026: 2.0%● unchanged vs 04-2026highest value 06-2026: 1.9%▼ -0.1 percentage points vs 05-2026 07-2026: 0.8%▼ -1.1 percentage points vs 06-2026 08-2026: 0.8%● unchanged vs 07-2026 09-2026: 0.8%● unchanged vs 08-2026 10-2026: 0.8%● unchanged vs 09-2026 11-2026: 0.8%● unchanged vs 10-2026
No credit on open account
Liquidity is insufficient, with a current ratio of 0.02 (0.02 in 2024), below 1. Cash is 2.9% of total assets. Equity is negative.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 6% of them on solvency, 6% on liquidity, 72% on profitability and 51% on growth.

The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Size: turnover €7,665, total assets €5,761
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Negative equity -€54,514
NBB · annual accounts
raises risk · Liquidity: current ratio 0.02, cash €168
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 22774 sector peers (2025).
NBB · sector comparison
Position among 22774 sector peers
Solvency
better than 5%
← weakest strongest →
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 06-06-2026, 55 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
55 days early
2024
43 days early
2023
53 days early
2022
46 days early
2021
40 days early
2020
38 days early
2019
38 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 45 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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 15 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 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

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€54,514 View
  • Caution: Lower solvency than 95% of companies in retail tradesector median 33.2% · 22,774 companies -946.3% View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View

Comparable companies

These companies have the same main activity as Habel: retail sale of antiques (NACE 47791). They are comparable in size and age: total assets between €3,130 and €19,300, founded between 1974 and 1994.

CompanyTotal assetsGross margin
Habel Liège€5,761€1,932
GALERIJ WILLIAM WAUTERS Assenede€3,133-€5,456
ETHNIC ART Brussel€11,359-€392
TORUS Antwerpen€9,602-€19,632
FINS DE SIECLES ET PLUS Elsene€6,628-€2,453
YLDH Waterloo€5,411€4,732
Les Consultants Associés - International Watermaal-Bosvoorde€19,347-€1,432
Full comparison

Key facts about Habel

What is the company number of Habel?
The company number of Habel is 0407.418.509. The VAT number is the same number with BE in front: BE 0407.418.509.
Where is Habel based?
The registered office is at Rue de l'Université 1, 4000 Liège.Company details
What does Habel do?
According to the KBO register, the main activity is retail sale of antiques (NACE 47791).
What is the legal form of Habel?
The legal form of Habel is Private limited company (pre-2019) (BVBA).
When was Habel founded?
Habel was founded on 01-09-1970.
Is Habel still active?
Yes, Habel is an active enterprise in the KBO register.
What is the turnover of Habel?
The turnover of Habel was €7,665 in financial year 2025, according to the filed annual accounts.Financials
Is Habel profitable?
In financial year 2025, Habel made a profit of €985.
Where can I find the annual accounts of Habel?
Habel filed 49 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Habel due?
Habel must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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