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HABEX PAUL

Active
Private limited companyfounded 1997active for 29 yearsKerkstraat 6, 3540 Herk-de-Stad, BelgiumKBO/BCE: BE 0461.031.595
Summary

HABEX PAUL has been active since 1997 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.7m and a net result of €308,700. Equity has been growing by about 19% per year since 2019. The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 03-07-1997 Normal situation
Activity
No activity registered in the KBO
Establishment unit
2.325.213.130 3540 Herk-de-Stad, since 10-11-2000
Financial year end
30 September
Peppol
Reachable since 06-06-2025

Board and ownership

Financial position

58 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts to 30-09-2025
Gross margin
€488,310
▼ 10.4%
Turnover
≈ €970,000
estimated
Profit
€308,700
▼ 5.6%
Equity
€1.7m
▲ 22.5%
Total assets
€1.8m
▲ 5.7%
  • 2025 accounts filed 92 days after the deadline
Score breakdownraises riskCapped at 59: a confirmed filing findingLast filed accounts filed 92 days late; 1 of the last 3 accounts latelowers riskSize: total assets €1.8mEquity €1.7m (94.2% of total assets)Liquidity: current ratio 13.57, cash €1.3mShow the evidence

Checked score

Score 2025
58 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 82% of micro companies without a NACE code
A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Strong
Solvency 100=
equity 94.2% of total assets
Liquidity 100+5
short-term debt 5.8% · cash 71.4%
Profitability 90-3
return on assets 17.3%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025lowest value 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: 0.1%▲ +0.1 percentage points vs 06-2026highest value 08-2026: < 0.1%▼ -0.1 percentage points vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €95,000 on 30-day terms, only on tighter conditions: the latest accounts were filed more than 90 days after the deadline
Liquidity is ample, with a current ratio of 13.57 (3.98 in 2024), above the usual 1.5. Short-term debt is 5.8% and cash 71.4% of total assets. 5.8% of the assets are financed with debt and provisions.
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 (no NACE code, micro). It does better than 81% of them on solvency, 95% on liquidity, 73% on profitability and 78% 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

Five signals.
lowers riskraises risk
lowers risk · Size: total assets €1.8m
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 · Last filed accounts filed 92 days late; 1 of the last 3 accounts late
NBB · filings
lowers risk · Equity €1.7m (94.2% of total assets)
NBB · annual accounts
lowers risk · Liquidity: current ratio 13.57, cash €1.3m
NBB · annual accounts
raises risk · 2025 accounts filed 92 days late
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-07-2026, 92 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 10 filings
Deviation from the deadline
2025
92 days late
2024
2 days early
2023
on the day
2022
2 days early
2021
15 days early
2020
11 days early
2019
16 days early
← before the deadline after the deadline →
tick = median of all Belgian filings

The company filed its last 7 accounts on average 7 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 28 April (4 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
30-09-2026 year end03-11-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 7 profitable years in a rowprofit 2025: €308,700 7 years View

Recent changes

  1. · Gazette deed Change of role: HABEX,Paul Albert Bart, from manager to director
  2. · Gazette deed Incorporation
All 16 events

Key facts about HABEX PAUL

What is the company number of HABEX PAUL?
The company number of HABEX PAUL is 0461.031.595. The VAT number is the same number with BE in front: BE 0461.031.595.
Where is HABEX PAUL based?
The registered office is at Kerkstraat 6, 3540 Herk-de-Stad.Company details
What is the legal form of HABEX PAUL?
The legal form of HABEX PAUL is Private limited company (BV).
When was HABEX PAUL founded?
HABEX PAUL was founded on 03-07-1997.
Is HABEX PAUL still active?
Yes, HABEX PAUL is an active enterprise in the KBO register.
What is the turnover of HABEX PAUL?
The turnover in financial year 2025 is ≈ €970,000. This figure is estimated from the gross margin of €488,310 and 882 comparable companies of the same size. It probably lies between €680,000 and €1.4m. It is a rough estimate.Financials
Is HABEX PAUL profitable?
In financial year 2025, HABEX PAUL made a profit of €308,700.
Where can I find the annual accounts of HABEX PAUL?
HABEX PAUL filed 26 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of HABEX PAUL due?
HABEX PAUL must file the annual accounts for financial year 2026 by 30-04-2027.Timeline

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