HACA Solutions
ActiveThe computed 12-month bankruptcy probability of HACA Solutions is 5.9% (elevated). The 2025 annual accounts show negative equity (€-22k) and a net result of €-16k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 18237 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
18
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record94
Bankruptcy probability, 12 months
5.9%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.29 against 0.58 in 2024; short-term debt: 250.3% and cash: 23.1% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-150.8%
Return on assets
-107.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-22k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
31 d late
2024
20 d late
2023
33 d late
2022
28 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-22k▼ 249%
2024 · €-6k
2022: €4k
2023: €10k
2024: €-6k
2022 → 2025
Total assets
€15k▼ 24.6%
2024 · €19k
2022: €13k
2023: €28k
2024: €19k
2022 → 2025
Net result
€-16k▲ 6.9%
2024 · €-17k
2022: €3k
2023: €7k
2024: €-17k
2022 → 2025
Working capital
€-26k▼ 145%
2024 · €-11k
2022: €4k
2023: €5k
2024: €-11k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€4k-€10k▲ 191%€-6k€-22k▼ 249%
Operating result€3k-€9k▲ 155%€-17k€-15k▲ 6.8%
Net result€3k-€7k▲ 164%€-17k€-16k▲ 6.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €15k in 2025 against €17k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €15k
Fixed assets
€4k▼ 18.7%
Current assets
€11k▼ 26.7%
Key figures and ratios
EBITDA
€-15k▲
2024 · €-16k
Cash flow
€-15k▲
2024 · €-16k
Solvency
-150.8%▼
2024 · -32.6%
Current ratio
0.29▼
2024 · 0.58
Quick ratio
0.21▼
2024 · 0.50
Debt / equity
-1.66▲
2024 · -4.07
ROA
-107.6%▼
2024 · -87.1%
Interest coverage
-89.24▲
2024 · -91.20
Debt
€36k▲
2024 · €26k
Debt ≤ 1 year
€36k▲
2024 · €25k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€19k€15k▼
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Plant, machinery and equipment23€454€121▼
Furniture and vehicles24€96-
Other tangible fixed assets26€4k€4k▼
Current assets29/58€14k€11k▼
Stocks and contracts in progress3€2k€3k▲
Stocks30/36€2k€3k▲
Amounts receivable within one year40/41€8k€3k▼
Trade receivables40€3k€3k▲
Other amounts receivable41€5k€5▼
Cash at bank and in hand54/58€3k€3k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€19k€15k▼
Equity10/15€-6k€-22k▼
Contributions10/11€1k€1k=
Profit (loss) carried forward14€-7k€-23k▼
Amounts payable17/49€26k€36k▲
Amounts payable within one year42/48€25k€36k▲
Trade debts44€7k€7k▲
Suppliers440/4€7k€7k▲
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€2k€1k▼
Other amounts payable47/48€16k€28k▲
Accrued charges and deferred income492/3€631€67▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€983€913▼
Other operating charges640/8€790€584▼
Gross operating margin9900€-15k€-14k▲
Operating profit (loss)9901€-17k€-15k▲
Financial charges65/66B€171€163▼
Recurring financial charges65€171€163▼
Profit (loss) for the period before taxes9903€-17k€-16k▲
Income taxes67/77€25-
Profit (loss) for the period9904€-17k€-16k▲
Profit (loss) for the period to be appropriated9905€-17k€-16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-23k▼
Profit (loss) brought forward from the previous period14P€9k€-7k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Weakest financial yearnet €-17k ▼343%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
02-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 33 days late
2023
31-12
Financial
Highest result since 2022net €7k ▲164%
Operating result €9k, net result €7k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Seraing · 2 establishment units since 2022
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.
Rue Reine Astrid 444100 SeraingGround area
1,034 m²
Building footprint
137 m²
Volume, LiDAR
1,139 m³
2 parcels, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
HACA Solutions
since 20222.331.318.388
Avenue du Gerbier 1, 4100 Seraing
since 20222.331.318.487
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62019A0302/00Z002 | Wallonia | 769 m² | 1 · 78 m² | 10.2 m · 3 fl. |
| 62019B0633/00C002 | Wallonia | 265 m² | 1 · 59 m² | 8.1 m · 2 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
PILI PILI Management
BE 0872.760.864
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ROSSEEL MEUBELEN
BE 1002.737.401
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TRADECOR
BE 0479.428.240
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BELGIUM TCG
BE 1003.832.709
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DUFFY
BE 0865.027.291
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Of 910 companies in sector 47793 we hold annual accounts for 161. 84 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-03-2022
Fiscal year end31-12
Activities, NACEBEL
47793Retail sale of other second-hand goods, excluding clothing
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.