Active BE 0459.625.095Public limited companyOpen bankruptcy

HABIBA

Place du Ballon 24 ·6040 Charleroi, Belgium· 29 yrs active

Sector: Ontwikkeling van residentiële bouwprojecten (68121)

Conclusion Checked

A bankruptcy procedure is open for HABIBA according to publications in the Belgian State Gazette. The 2021 annual accounts show negative equity (€-2.08M) and a net result of €-550k.

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€-2.08M
Net result	€-550k
Better than sector	7%
Active	29 yrs

Snowflake analysis 5 of 5 axes measured · computed by Checked

42 / 100

Fragile profile, watch health in particular.

All 5 axes are computed from data Checked has read.

Health 0

Profitability 100

Solvency 53

Growth 58

Stability 0

Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based

50 / 100

High riskRegister: open bankruptcy

This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.

Components

· Open bankruptcy (+50)

Trust signals 2 signals

Register: open bankruptcy

The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.

Open bankruptcy

Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2021 · computed

0 / 100 Critical

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2021 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 28-10-2022 with the NBB · fiscal year 2021 · micro

Operating resultNet result

Sector comparison

Fiscal year 2021 · NACE 68, Real estate activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	-31.2%	25.8%	better than 7% of 1749 sector peers
Net result	€-550k	€1k	better than 5% of 1750 sector peers
Equity	€-2.08M	€29k	better than 5% of 1750 sector peers
Gross operating margin	€-172k	€22k	better than 5% of 1740 sector peers
Total assets	€6.66M	€265k	better than 95% of 1750 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€-291k

- 18-21

Net profit

€-550k

+83.7% 18-21

Cash flow

€-525k

+84.4% 18-21

Total assets

€6.66M

-11.5% 18-21

Equity

€-2.08M

-49.7% 18-21

Working capital

€1.34M

-28.0% 18-21

Income taxes

€186

- 18-21

Debt

€8.74M

-1.9% 18-21

Debt ≤ 1y

€3.42M

-8.6% 18-21

Debt > 1y

€5.32M

+2.8% 18-21

Current ratio

1.39

-7.0% 18-21

Quick ratio

0.28

+13.4% 18-21

Solvency

-31.2%

-69.1% 18-21

Debt / equity

-4.20

-12.8% 18-21

ROE

26.5%

-89.1% 18-21

ROA

-8.3%

+81.6% 18-21

Interest coverage

-1.24

- 18-21

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2021
Deposit	micro
Revenue	-
EBITDA	€-291k
Net profit	€-550k
Cash flow	€-525k
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€6.66M
Equity	€-2.08M
Debt	€8.74M
of which ≤ 1y	€3.42M
of which > 1y	€5.32M
Working capital	€1.34M
Employees (FTE)	-

Ratios (computed)

	2021
Current ratio	1.39
Quick ratio	0.28
Working capital ratio	20.1%
Solvency	-31.2%
Debt / equity	-4.20
Long-term debt ratio	-2.56
Interest coverage	-1.24
Gross margin	-
Net margin	-
ROA	-8.3%
ROE	26.5%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2021

Assets

Fixed assets €1.91M · 28.6% Current assets €4.75M · 71.4%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€6.66M
Fixed assets	21/28	€1.91M
Tangible fixed assets	22/27	€1.89M
Financial fixed assets	28	€21k
Current assets	29/58	€4.75M
Stocks & contracts in progress	3	€3.80M
Amounts receivable within one year	40/41	€812k
Investments	50/53	€75
Cash & bank	54/58	€13k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€6.66M
Equity	10/15	€-2.08M
Contributions / capital	10/11	€72k
Accumulated profits (losses)	14	€-3.94M
Amounts payable	17/49	€8.74M
Amounts payable after one year	17	€5.32M
Amounts payable within one year	42/48	€3.42M
Trade debts payable within one year	44	€397k
Income statement
Gross operating margin	9900	€-172k
Operating result	9901	€-316k
Financial income	75	€1k
Financial charges	65	€235k
Result before taxes	9903	€-550k
Net result for the period	9904	€-550k
Result to be appropriated	9905	€-550k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates1 person

Role	Name	Tenure	Source
Curator	ISABELLE BRONKAERT CHAUSSEE DE THUIN 164, 6032 MONT-SUR-MARCHIENNE- . Date provisoire de cessation de paiement : 05/12/2022	05-12-2022 → present	Belgian State Gazette

Legal Structure

NACE primary	Ontwikkeling van residentiële bouwprojecten(68121)
Legal form	Public limited company(014)
Incorporation	27-12-1996
Status	Active
Postal code	6040
First BS signal	09-12-2022
Latest BS signal	09-12-2022

Establishment units 1 location

Ulensstraat 29, 1080 Sint-Jans-Molenbeek

Verhuur van woningen, exclusief sociale woningen

since 19972.081.416.003

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (50%) Brussels 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52363E0228/00B005	Wallonia	1,115 m²	1 · 65 m²	12.8 m · 4 fl.
21012A0168/00R008	Brussels	588 m²	1 · 571 m²	12.1 m · 3 fl.

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.

Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2022

09-12-2022

Bankruptcy Opening

Tribunal de l’entreprise du Hainaut, division Charleroi · HABIBA SA PLACE DU BALLON 24, 6040 JUMET (CHARLEROI) · event 05-12-2022

28-10-2022