HAF
ActiveSummary
The computed 12-month bankruptcy probability of HAF is 2.6% (moderate). The 2024 annual accounts show equity of €17k and a net result of €12k. Its solvency ranks better than 64% of 26043 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes
Profitability100
Solvency73
Growth-
Track record79
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.67; short-term debt: 51.5% and cash: 21.8% of total assets), but 51.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 · 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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
48.5%
Return on assets
34.2%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-08-2025, 12 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 · 1 filingDeviation from the deadline
2024
12 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€17k
Total assets
€35k
Net result
€12k
Working capital
€12k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €35k
Fixed assets
€5k
Current assets
€30k
Equity and liabilities €35k
Equity
€17k
Debt
€18k
Debt finances 51.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€16k
Cash flow
€12k
Current ratio
1.67
Quick ratio
1.48
Debt to equity
1.06
ROE
70.6%
ROA
34.2%
Interest coverage
15.24
Debt ≤ 1 year
€18k
Income taxes
€3k
Staff costs
€119
Filed annual accounts As filed with the NBB · 2024 · 36 lines
Balance sheet
Code2024
Assets
Total assets20/58€35k
Fixed assets21/28€5k
Tangible fixed assets22/27€671
Furniture and vehicles24€671
Financial fixed assets28€4k
Current assets29/58€30k
Stocks and contracts in progress3€3k
Stocks30/36€3k
Amounts receivable within one year40/41€19k
Trade receivables40€14k
Other amounts receivable41€5k
Cash at bank and in hand54/58€8k
Deferred charges and accrued income490/1€5
Equity and liabilities
Total equity and liabilities10/49€35k
Equity10/15€17k
Contributions10/11€5k
Profit (loss) carried forward14€12k
Amounts payable17/49€18k
Amounts payable within one year42/48€18k
Trade debts44€15k
Suppliers440/4€15k
Taxes, remuneration and social security45€3k
Taxes450/3€3k
Income statement
Code2024
Remuneration, social security and pensions62€119
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€311
Gross operating margin9900€16k
Operating profit (loss)9901€16k
Financial income75/76B€220
Recurring financial income75€220
Financial charges65/66B€1k
Recurring financial charges65€1k
Profit (loss) for the period before taxes9903€15k
Income taxes67/77€3k
Profit (loss) for the period9904€12k
Profit (loss) for the period to be appropriated9905€12k
Appropriation of the result
Profit (loss) to be appropriated9906€12k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 |
|---|---|
| Remuneration, social security and pensions62 | €119 |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €311 |
| Gross operating margin9900 | €16k |
| Operating profit (loss)9901 | €16k |
| Financial income75/76B | €220 |
| Recurring financial income75 | €220 |
| Financial charges65/66B | €1k |
| Recurring financial charges65 | €1k |
| Profit (loss) for the period before taxes9903 | €15k |
| Income taxes67/77 | €3k |
| Profit (loss) for the period9904 | €12k |
| Profit (loss) for the period to be appropriated9905 | €12k |
| Line | 2024 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €35k | |
| Fixed assets21/28 | €5k | |
| Tangible fixed assets22/27 | €671 | |
| Furniture and vehicles24 | €671 | |
| Financial fixed assets28 | €4k | |
| Current assets29/58 | €30k | |
| Stocks and contracts in progress3 | €3k | |
| Stocks30/36 | €3k | |
| Amounts receivable within one year40/41 | €19k | |
| Trade receivables40 | €14k | |
| Other amounts receivable41 | €5k | |
| Cash at bank and in hand54/58 | €8k | |
| Deferred charges and accrued income490/1 | €5 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €35k | |
| Equity10/15 | €17k | |
| Contributions10/11 | €5k | |
| Profit (loss) carried forward14 | €12k | |
| Amounts payable17/49 | €18k | |
| Amounts payable within one year42/48 | €18k | |
| Trade debts44 | €15k | |
| Suppliers440/4 | €15k | |
| Taxes, remuneration and social security45 | €3k | |
| Taxes450/3 | €3k | |
| Line | 2024 |
|---|---|
| Profit (loss) for the period9904 | €12k |
| + Depreciation and write-downs630 | €311 |
| Operating cash flow (approximation) | €12k |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
2 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, Braine-l'Alleud · 1 establishment unit since 2023
Ground area
372 m²
Building footprint
117 m²
Volume, LiDAR
1,262 m³
2 parcels, Wallonia · tallest building 16.7 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
HAF
since 20232.345.344.291
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25014N0389/00_000 | Wallonia | 257 m² | 1 · 49 m² | 10.5 m · 3 fl. |
| 92094C1050/00_000 | Wallonia | 115 m² | 1 · 68 m² | 16.7 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BE 0863.481.726
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BE 0798.344.939
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Of 1,034 companies in sector 47721 we hold annual accounts for 582. 318 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-05-2023
Fiscal year end31-12
Activities, NACEBEL 2025
47721Retail sale of footwear
47711Retail sale of women's outerwear
47712Retail trade
47713Retail trade
47714Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Contact
E-mail
antodeco1@gmail.com
Scores and ratios are computed by Checked and are not a credit decision.