HABIB AM

Active

Private limited companyfounded 2025active for 1 yearLange Eikstraat 46, 1970 Wezembeek-Oppem, Belgium608 active companies are registered at this addressKBO/BCE: BE 1019.594.219

Summary

The computed 12-month bankruptcy probability of HABIB AM is 4.1% (elevated). The 2025 annual accounts show equity of €11,656 and a net result of €1,656. Its solvency ranks better than 73% of 5,814 sector peers (NACE 49, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

HABIB AMActiveChecked score 48/100

Risk analysis Report Compare

Activity

On-demand passenger transport by chauffeured vehicle

NACE 49330

1 site

Size

€19,037total assets 2025

Equity: €11,656
Profit: €1,656

Turnover not published (micro format)

Financial health

48 Fair Checked score 2025

Bankruptcy probabilitywithin 12 months: 4.1%

Structure

HABIB AhmadDirector
HABIB MohamadDirector

Accounts filed 60 days late

Why 48raises riskFounded in 2025Sector: Land transport and transport via pipelines (NACE 49)Size: total assets €19,037Latest accounts 60 days late; 1 of the last 3 lateShow the evidence

Checked score

Score 2025

48 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 45% of its sector peers (NACE 49, micro)

Every signal that counts is listed under Signals.

Financial strength

Average

Solvency 86

equity 61.2% of total assets

Liquidity 38

short-term debt 38.8% · cash 4.8%

Profitability 47

return on assets 8.7%

Bankruptcy probability, 12 months

4.1% Elevated

0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.9% (9,098 companies, NACE 49, micro)

Last 24 months 03-2026: 3.6%lowest value 04-2026: 3.7%▲ +0.1 percentage points vs 03-2026 05-2026: 3.8%▲ +0.1 percentage points vs 04-2026 06-2026: 4.2%▲ +0.4 percentage points vs 05-2026 07-2026: 4.2%● unchanged vs 06-2026 08-2026: 4.6%▲ +0.4 percentage points vs 07-2026 09-2026: 5.0%▲ +0.4 percentage points vs 08-2026highest value 10-2026: 4.1%▼ -0.9 percentage points vs 09-2026

Credit of up to €500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms

Liquidity ample (current ratio 2.26, above the usual 1.5; short-term debt: 38.8% and cash: 4.8% of total assets), and 38.8% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 49, micro): better than 73% on solvency, 36% on liquidity and 25% on profitability.

The bankruptcy probability was computed on 22-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Five signals.

raises riskneutral

Founded in 2025

Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.

KBO

Sector: Land transport and transport via pipelines (NACE 49)

KBO

Size: total assets €19,037

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Latest accounts 60 days late; 1 of the last 3 late

NBB · filings

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-09-2026, 60 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 · 1 filing

Deviation from the deadline

2025

60 days late

← before the deadline after the deadline →

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since incorporation in 2025.

KBO publications · our coverage