HABLA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €60k and a net result of €13k. Equity is growing by ~20.1% per year across the filed fiscal years. Its solvency ranks better than 30% of 9864 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
30 d early
2022
66 d early
2021
26 d early
2020
32 d early
2019
39 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€60k▲ 26.7%
2023 · €47k
2018: €16k
2019: €21k
2020: €26k
2021: €35k
2022: €41k
2023: €47k
2018 → 2024
Net result
€13k▲ 113%
2023 · €6k
2018: €7k
2019: €5k
2020: €5k
2021: €8k
2022: €7k
2023: €6k
2018 → 2024
Total assets
€199k▼ 0.8%
2023 · €200k
2018: €232k
2019: €223k
2020: €217k
2021: €211k
2022: €210k
2023: €200k
2018 → 2024
Solvency
30.2%▲ 6.6pp
2023 · 23.7%
2018: 6.8%
2019: 9.3%
2020: 12.0%
2021: 16.4%
2022: 19.7%
2023: 23.7%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€26k-€35k▲ 32.6%€41k▲ 20.0%€47k▲ 14.4%€60k▲ 26.7%
Operating result€12k-€16k▲ 28.7%€13k▼ 16.0%€12k▼ 10.2%€21k▲ 70.1%
Net result€5k-€8k▲ 55.9%€7k▼ 18.8%€6k▼ 13.8%€13k▲ 113%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 70% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €199k
Fixed assets
€192k▼ 2.7%
Current assets
€7k▲ 101%
Equity and liabilities €199k
Equity
€60k▲ 26.7%
Debt
€139k▼ 9.4%
The debt ratio falls from 76.3% to 69.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
30.2%▲
2023 · 23.7%
ROE
21.1%▲
2023 · 12.6%
ROA
6.4%▲
2023 · 3.0%
Debt
€139k▼
2023 · €153k
Debt ≤ 1 year
€41k▲
2023 · €39k
Debt > 1 year
€98k▼
2023 · €114k
Income taxes
€4k▲
2023 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€200k€199k▼
Fixed assets21/28€197k€192k▼
Tangible fixed assets22/27€197k€192k▼
Land and buildings22€197k€192k▼
Current assets29/58€4k€7k▲
Amounts receivable within one year40/41€412€109▼
Other amounts receivable41€412€109▼
Cash at bank and in hand54/58€2k€6k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€200k€199k▼
Equity10/15€47k€60k▲
Contributions10/11€19k€19k=
Reserves13€29k€41k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€29k€41k▲
Amounts payable17/49€153k€139k▼
Amounts payable after more than one year17€114k€98k▼
Financial debts170/4€114k€98k▼
Amounts payable within one year42/48€39k€41k▲
Current portion of amounts payable after more than one year42€16k€17k▲
Trade debts44€605€0▼
Suppliers440/4€605€0▼
Taxes, remuneration and social security45€0€2k▲
Taxes450/3€0€2k▲
Other amounts payable47/48€22k€22k=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€19k€28k▲
Operating profit (loss)9901€12k€21k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€8k€17k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€6k€13k▲
Profit (loss) for the period to be appropriated9905€6k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€13k▲
Transfer to equity691/2€6k€13k▲
To other reserves6921€6k€13k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €13k ▲113%
Operating result €21k, net result €13k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €5k ▼33%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Lommel · 1 establishment unit since 2015
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Heerdgang 93920 LommelGround area
1,147 m²
Building footprint
313 m²
Volume, LiDAR
58 m³
Parcel 72020C0524/00S000, Flanders · tallest building 2.2 m. Linked by address, not a title deed.
1 establishment unit
HABLA
since 20152.246.943.038
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C0524/00S000 | Flanders | 1,147 m² | 1 · 313 m² | 2.2 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 10,978 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-09-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:011/546392