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HABRAMCO

Active
Private limited companyfounded 200323 yrs activeBilzerbaan 88, 3620 Lanaken, BelgiumKBO/BCE: BE 0479.327.082
Summary

HABRAMCO has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52,323 and a net result of €22,124. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 85% of 5349 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

Risk analysisWatch ReportCompare
HABRAMCOActiveChecked score 85/100
Risk analysis ReportCompare

Overview

Activity
Freight transport by road
NACE 49410NACE 60242
#9 oldest company in Lanaken, Transport and storage sector1 site
Size
€66,637total assets 2025
Equity
€52,323
Profit
€22,124
Turnover not published (abridged schema)
Financial health
85 Excellent Checked score 2025
Bankruptcy chance 12 m
0.5%
Structure
Accounts on time0 of 2 deeds read
Why 85- Size: total assets €66,637- Sector Land transport and transport via pipelines (NACE 49)+ Founded in 2003+ Figures for FY 2025 (filed 31-07-2026)Show the evidence

Checked score

Score 2025
85 / 100
Excellent
Probability in this band: under 0.55%
Better than 80% of its sector peers (NACE 49, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100+26
equity 78.5% of total assets
Liquidity 47-29
short-term debt 20.0% · cash 2.7%
Profitability 100+43
return on assets 33.2%
Bankruptcy probability, 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.9% (8,991 companies)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● 0.0% vs 11-2024 01-2025: 0.3%▼ -1.1% vs 12-2024 02-2025: 0.3%● 0.0% vs 01-2025 03-2025: 0.3%● 0.0% vs 02-2025 04-2025: 0.3%▲ +5.6% vs 03-2025 05-2025: 0.3%▼ -2.1% vs 04-2025 06-2025: 0.3%▼ -2.9% vs 05-2025 07-2025: 0.3%▲ +22.0% vs 06-2025 08-2025: 0.2%▼ -47.1% vs 07-2025 09-2025: 0.2%● 0.0% vs 08-2025 10-2025: 0.2%● 0.0% vs 09-2025 11-2025: 0.2%● 0.0% vs 10-2025 12-2025: 0.2%● 0.0% vs 11-2025 01-2026: 0.2%▼ -1.2% vs 12-2025lowest value 02-2026: 0.2%● 0.0% vs 01-2026lowest value 03-2026: 0.2%● 0.0% vs 02-2026lowest value 04-2026: 0.2%▲ +12.9% vs 03-2026 05-2026: 0.2%▼ -1.0% vs 04-2026 06-2026: 0.2%▼ -2.6% vs 05-2026 07-2026: 0.2%▲ +18.3% vs 06-2026 08-2026: 0.5%▲ +137% vs 07-2026highest value 09-2026: 0.5%● 0.0% vs 08-2026highest value 10-2026: 0.5%● 0.0% vs 09-2026highest value
  • Size: total assets €66,637 raises the probability for this profile
  • Sector Land transport and transport via pipelines (NACE 49) raises the probability
  • Founded in 2003 lowers the probability for this profile
  • Figures for FY 2025 (filed 31-07-2026) lowers the probability
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 4.33 against 1.71 in 2024; short-term debt: 20% and cash: 2.7% of total assets), and 21.5% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 49, micro). Better than this share of them on solvency 92%, liquidity 48%, profitability 94%, growth against the median 86%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Size: total assets €66,637
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
raises risk · Sector Land transport and transport via pipelines (NACE 49)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Founded in 2003
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Figures for FY 2025 (filed 31-07-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €52,323
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
on the day
2024
10 d early
2023
48 d early
2022
11 d late
2021
2 d early
2020
27 d late
2019
7 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 4 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 49% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 29 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Highest result since 2018net €22,124 ▲639%
  3. Liquidity triplescurrent ratio 4.33

Key points

  • Positive: Among the best 15% on solvencysector median 38.7% · 5,349 companies 78.5% View
  • Total assets 20256 fiscal years filed €66,637 View
  • Active since 2003founded 21-01-2003 23 years View

By topic

Financials

Fiscal year
2025
Total assets
€66,637
Profit
€22,124
Solvency
78.5%
Total assets▲ 8.2%
Net result
20182025
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 31-07-2027
  1. 31-07-2026Annual accounts filed
  2. 31-12-2025Highest result since 2018
  3. 31-12-2025Liquidity triples
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Freight transport by roadNACE 49410
Founded
21-01-2003
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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