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Complete company report
Generated 09-08-2026
Active BE 0881.904.204Non-profit association

Habito

Mechelsesteenweg 382 ·3020 Herent, Belgium· 20 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of Habito is 0.1% (very low). The 2022 annual accounts show equity of €555k and a net result of €-39k. Equity remains stable across the filed fiscal years (±2.2% per year). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €555k
Net result €-39k
Active 20 yrs
Publications 1
Snowflake analysis 5 axes · computed by Checked
Health42Profitability0Solvency100Growth40Stability100
56 / 100

Mixed profile: strong on solvency, weaker on profitability.

Health 42
Profitability 0
Solvency 100
Growth 40
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.1% Very low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form −No NACE activity registered +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 2006, 20 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2022 · computed
42 / 100 Weak
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview3 NBB filings
Annual accounts filed on 19-07-2023 with the NBB · fiscal year 2022 · micro
€-100k€0€100k€200k€300kOperating result 2020: €9k€9kNet result 2020: €274k€274kRevenue 2021: €125k€125kOperating result 2021: €16k€16kNet result 2021: €14k€14kRevenue 2022: €133k€133kOperating result 2022: €-36k€-36kNet result 2022: €-39k€-39k202020212022
RevenueOperating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable Equity: stable across 3 fiscal years (±2.2%/year).
€450k€500k€550k€600k2023: €543k (€498k - €587k)2024: €530k (€486k - €574k)2025: €517k (€473k - €562k)2020: €581k2021: €594k2022: €555k202020212022202320242025
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Revenue
€133k
+6.3% 20-22
EBITDA
€-13k
- 20-22
Net profit
€-39k
- 20-22
Cash flow
€-16k
- 20-22
Total assets
€971k
-6.7% 20-22
Equity
€555k
-6.6% 20-22
Working capital
€237k
-16.9% 20-22
Debt
€236k
-11.7% 20-22
Debt ≤ 1y
€25k
-27.0% 20-22
Debt > 1y
€211k
-9.5% 20-22
Current ratio
10.60
+12.4% 20-22
Quick ratio
10.60
+12.4% 20-22
Solvency
57.2%
+0.2% 20-22
Debt / equity
0.42
-5.5% 20-22
ROE
-7.0%
- 20-22
ROA
-4.0%
- 20-22
Net margin
-29.2%
- 20-22
EBITDA margin
-9.8%
- 20-22
Interest coverage
-5.02
- 20-22
Figures by fiscal year
Fiscal year2022
Revenue€133k
EBITDA€-13k
Net profit€-39k
Cash flow€-16k
Staff costs-
Income taxes-
Dividends-
Total assets€971k
Equity€555k
Debt€236k
of which ≤ 1y€25k
of which > 1y€211k
Working capital€237k
Employees (FTE)-
Ratios (computed)
2022
Current ratio10.60
Quick ratio10.60
Working capital ratio24.4%
Solvency57.2%
Debt / equity0.42
Long-term debt ratio0.38
Interest coverage-5.02
Gross margin48.7%
Net margin-29.2%
ROA-4.0%
ROE-7.0%
EBITDA margin-9.8%
Days sales outstanding-
Days payable outstanding14d
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€971k
Fixed assets 21/28€709k
Tangible fixed assets 22/27€709k
Current assets 29/58€262k
Cash & bank 54/58€262k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€971k
Equity 10/15€555k
Contributions / capital 10/11€166k
Reserves 13€180k
Accumulated profits (losses) 14€209k
Provisions & deferred taxes 16€180k
Amounts payable 17/49€236k
Amounts payable after one year 17€211k
Amounts payable within one year 42/48€25k
Trade debts payable within one year 44€3k
Income statement
Turnover 70€133k
Gross operating margin 9900€65k
Operating result 9901€-36k
Financial charges 65€3k
Result before taxes 9903€-39k
Net result for the period 9904€-39k
Result to be appropriated 9905€-39k
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary -
Legal form Non-profit association(017)
Incorporation24-04-2006
StatusActive
Postal code3020
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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24423H0267/00P000 Flanders 3,168 m² 1 · 208 m² 16.8 m · 4 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 4 events

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

2024
01-07-2024
State Gazette act Director changes
2023
19-07-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
29-06-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
06-07-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2024
01-07-2024 5 directors appointed, 2 resigning Director changes
  • Filip Hendrickx, Bestuurder
  • Johan Artois, Bestuurder
  • Johan Mommaerts, Bestuurder
  • Luc De Greef, Bestuurder
  • Gert Standaert, Bestuurder
  • Walter Roedolf, Bestuurder
  • Stef Vinckx, Bestuurder
Technical details 
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    {
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    {
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        "rrn": "78022600789",
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  "act_meta": {
    "language": "nl",
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  "decisions": [
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  "is_correction": false,
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Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

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Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameNL Habito
Registered office
Mechelsesteenweg 382
3020 Herent, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative