HAFRO de lux

Active

Private limited companyfounded 20233 yrs activeBijlokstraat 202, 3020 Herent, BelgiumKBO/BCE: BE 0803.336.578

The computed 12-month bankruptcy probability of HAFRO de lux is 1.7% (moderate). The 2025 annual accounts show equity of €51k and a net result of €778. Its solvency ranks better than 27% of 8002 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

55 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability69▼-23

Solvency46▲+2

Growth52

Track record94

Bankruptcy probability, 12 months

1.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2.5k at 30 days acceptable

Liquidity ample (current ratio 1.54 against 1.45 in 2024; short-term debt: 41.8% and cash: 11.7% of total assets), but 78.6% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 46

Relative position

BE, all sectors

reference

Sector 46

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

21.4%

Return on assets

0.3%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

2 d early

2024

29 d late

← before the deadline after the deadline →

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 months

Position in the running window

23-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, abbreviated schema

Equity

€51k▲ 1.5%

2024 · €51k

2024: €51k

2024 → 2025

Total assets

€241k▼ 8.5%

2024 · €263k

2024: €263k

2024 → 2025

Net result

€778▼ 98.4%

2024 · €50k

2024: €50k

2024 → 2025

Working capital

€55k▲ 14.2%

2024 · €48k

2024: €48k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€51k-€51k▲ 1.5%

Operating result€66k-€5k▼ 92.0%

Net result€50k-€778▼ 98.4%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 92% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €241k

35.5%

64.5%

Fixed assets €85k▼ 22.0%

Current assets €155k▲ 1.2%

Equity and liabilities €241k

21.4%

78.6%

Equity €51k▲ 1.5%

Debt €189k▼ 10.9%

The debt ratio falls from 80.7% to 78.6%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€38k▼

2024 · €103k

Cash flow

€34k▼

2024 · €87k

Solvency

21.4%▲

2024 · 19.3%

Current ratio

1.54▲

2024 · 1.45

Quick ratio

1.54▲

2024 · 1.45

Debt / equity

3.68▼

2024 · 4.19

ROE

1.5%▼

2024 · 98.0%

ROA

0.3%▼

2024 · 18.9%

Interest coverage

14.55▼

2024 · 26.46

Debt

€189k▼

2024 · €212k

Debt ≤ 1 year

€101k▼

2024 · €106k

Debt > 1 year

€89k▼

2024 · €107k

Income taxes

€2k▼

2024 · €12k

Staff costs

€103k▼

2024 · €186k

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€263k€241k▼

Fixed assets21/28€109k€85k▼

Tangible fixed assets22/27€109k€85k▼

Plant, machinery and equipment23€15k€13k▼

Furniture and vehicles24€94k€72k▼

Current assets29/58€154k€155k▲

Amounts receivable within one year40/41€103k€118k▲

Trade receivables40€102k€116k▲

Other amounts receivable41€1k€2k▲

Cash at bank and in hand54/58€46k€28k▼

Deferred charges and accrued income490/1€5k€9k▲

Equity and liabilities

Total equity and liabilities10/49€263k€241k▼

Equity10/15€51k€51k▲

Contributions10/11€1k€1k=

Reserves13€50k€50k▲

Distributable reserves133€50k€50k▲

Amounts payable17/49€212k€189k▼

Amounts payable after more than one year17€107k€89k▼

Financial debts170/4€47k€32k▼

Other amounts payable178/9€60k€57k▼

Amounts payable within one year42/48€106k€101k▼

Current portion of amounts payable after more than one year42€15k€15k▲

Trade debts44€81k€78k▼

Suppliers440/4€81k€78k▼

Taxes, remuneration and social security45€10k€7k▼

Taxes450/3€2k€0▼

Remuneration and social security454/9€7k€7k▼

Income statement Code20242025

Remuneration, social security and pensions62€186k€103k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€33k▼

Other operating charges640/8€5k€3k▼

Gross operating margin9900€294k€144k▼

Operating profit (loss)9901€66k€5k▼

Financial charges65/66B€4k€3k▼

Recurring financial charges65€4k€3k▼

Profit (loss) for the period before taxes9903€62k€3k▼

Income taxes67/77€12k€2k▼

Profit (loss) for the period9904€50k€778▼

Profit (loss) for the period to be appropriated9905€50k€778▼

Appropriation of the result

Profit (loss) to be appropriated9906€50k€778▼

Transfer to equity691/2€50k€778▼

To other reserves6921€50k€778▼

Social balance

Average headcount (FTE)90873.93.9=

The notes to these accounts (20 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

29-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

29-08

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 29 days late

NBB filing

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, Herent · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Bijlokstraat 2023020 Herent

Ground area

2,019 m²

Building footprint

351 m²

Volume, LiDAR

1,610 m³

2 parcels, Flanders · tallest building 11.6 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

HAFRO de lux

Rijweg 2A, 3020 HerentWholesale of fruit and vegetables, excluding potatoes

since 20232.346.636.569

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24423K0128/00M000	Flanders	1,200 m²	1 · 142 m²	11.6 m
24423I0197/00A003	Flanders	819 m²	1 · 209 m²	9.3 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.

Public money · subsidies and aid

Flemish government

2023 · 1 entry · 197 EUR awarded

Year	Entries	awarded	paid
2023	1	197 EUR	0 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 197 EUR · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Food safety, FASFC

1 site

Herent2.346.636.569

1 permission

Toelating · Groothandel groenten en fruit · since 29-06-2023

Similar companies · same sector, comparable size

Tongeren-Borgloon · Eq €52k

Of 956 companies in sector 46319 we hold annual accounts for 609. 315 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded29-06-2023

Fiscal year end31-12

Activities, NACEBEL

46319Wholesale of fruit and vegetables, excluding potatoes

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.