HADITHI GROUP
ActiveThe computed 12-month bankruptcy probability of HADITHI GROUP is 2.0% (moderate). The 2025 annual accounts show equity of €116k and a net result of €41k. Equity is growing by ~44.2% per year across the filed fiscal years. Its solvency ranks better than 44% of 7757 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+4
Solvency64▼-34
Growth85=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.49 against 2.47 in 2024; short-term debt: 60.7% and cash: 5.5% of total assets), and 60.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
39.3%
Return on assets
13.7%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
11 d late
2024
34 d early
2023
on the day
2022
11 d early
2021
18 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€539k▲ 76.4%
2024 · €306k
2021: €43k
2022: €340k
2023: €302k
2024: €306k
2021 → 2025
EBIT margin
8.9%▲ 3.7pp
2024 · 5.2%
2021: 31.2%
2022: 32.5%
2023: -13.3%
2024: 5.2%
2021 → 2025
Net result
€41k▲ 234%
2024 · €12k
2021: €11k
2022: €88k
2023: €-40k
2024: €12k
2021 → 2025
Working capital
€88k▲ 112%
2024 · €41k
2021: €12k
2022: €88k
2023: €20k
2024: €41k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€43k-€340k▲ 686%€302k▼ 10.9%€306k▲ 1.0%€539k▲ 76.4%
Equity€16k-€104k▲ 544%€64k▼ 38.7%€76k▲ 19.2%€116k▲ 53.7%
Operating result€13k-€110k▲ 717%€-40k€16k€48k▲ 203%
Net result€11k-€88k▲ 726%€-40k€12k€41k▲ 234%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 203% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €296k
Fixed assets
€29k▼ 16.7%
Current assets
€268k▲ 285%
Equity and liabilities €296k
Equity
€116k▲ 53.7%
Debt
€180k▲ 540%
The debt ratio rises from 27.1% to 60.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€56k▲
2024 · €26k
Cash flow
€49k▲
2024 · €23k
Solvency
39.3%▼
2024 · 72.9%
Current ratio
1.49▼
2024 · 2.47
Quick ratio
1.49▼
2024 · 2.47
Debt / equity
1.55▲
2024 · 0.37
ROE
34.9%▲
2024 · 16.1%
ROA
13.7%▲
2024 · 11.7%
Interest coverage
604.46▲
2024 · 332.47
Debt
€180k▲
2024 · €28k
Debt ≤ 1 year
€180k▲
2024 · €28k
Income taxes
€7k▲
2024 · €4k
Staff costs
€41k▲
2024 · €18k
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€104k€296k▲
Fixed assets21/28€34k€29k▼
Tangible fixed assets22/27€31k€25k▼
Plant, machinery and equipment23€674€2k▲
Furniture and vehicles24€30k€23k▼
Financial fixed assets28€4k€4k=
Current assets29/58€69k€268k▲
Amounts receivable within one year40/41€62k€251k▲
Trade receivables40€48k€215k▲
Other amounts receivable41€13k€36k▲
Cash at bank and in hand54/58€8k€16k▲
Equity and liabilities
Total equity and liabilities10/49€104k€296k▲
Equity10/15€76k€116k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Profit (loss) carried forward14€70k€111k▲
Amounts payable17/49€28k€180k▲
Amounts payable within one year42/48€28k€180k▲
Trade debts44€24k€136k▲
Suppliers440/4€24k€136k▲
Taxes, remuneration and social security45€4k€44k▲
Taxes450/3-€33k
Remuneration and social security454/9€4k€11k▲
Income statement
Code20242025
Turnover70€306k€539k▲
Goods, raw materials, services and sundry goods60/61€265k€446k▲
Remuneration, social security and pensions62€18k€41k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€8k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€47k€100k▲
Operating profit (loss)9901€16k€48k▲
Financial income75/76B€6€1▼
Recurring financial income75€6€1▼
Financial charges65/66B€79€93▲
Recurring financial charges65€79€93▲
Profit (loss) for the period before taxes9903€16k€48k▲
Income taxes67/77€4k€7k▲
Profit (loss) for the period9904€12k€41k▲
Profit (loss) for the period to be appropriated9905€12k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€70k€111k▲
Profit (loss) brought forward from the previous period14P€58k€70k▲
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
Next filing, fiscal year 2026, expected by
2026
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 11 days late
2025
31-12
Financial
Equity above €100kEq €116k ▲53.7%
2 profitable years in a row build equity to €116k.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-40k ▼146%
Net result drops to €-40k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2021net €88k ▲726%
Operating result €110k, net result €88k, both a record.
31-12
Financial
Equity above €100kEq €104k ▲544%
2 profitable years in a row build equity to €104k.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Antwerpen · 1 establishment unit since 2021
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.
Ferdinand Coosemansstraat 752600 AntwerpenGround area
110 m²
Building footprint
103 m²
Volume, LiDAR
1,251 m³
Parcel 11003B0035/00B037, Flanders · tallest building 16.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
H&M Algemene Renovatie en Dakwerken
since 20212.313.717.145
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003B0035/00B037 | Flanders | 110 m² | 1 · 103 m² | 16.5 m · 5 fl. |
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.
Similar companies · same sector, comparable size
LUYKX PETRA
BE 0809.582.784
Hasselt · Eq €116k
LION
BE 0445.331.651
Kalmthout · Eq €116k
MS TOITURE
BE 0805.213.727
Oupeye · Eq €117k
PEMA-DAKWERKEN
BE 0454.554.173
Waasmunster · Eq €116k
AARECAM
BE 0474.931.992
Antwerpen · Eq €117k
Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,798 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-02-2021
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43211General electrical installation work
43221Plumbing work
43230Insulation installation
43291Specialised construction activities
43331Floor and wall tiling
43333Wallpapering and laying of floor and wall coverings in other materials
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.