HAN-KO
ActiveSummary
For HAN-KO, one filing cycle of the annual accounts is missing. The 2024 annual accounts show equity of €92,260 and a net result of €14,339. Equity is growing by ~23.8% per year across the filed fiscal years. Its solvency ranks better than 20% of 9441 sector peers (fiscal year 2023). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
No current score
Figures too old
The available figures for FY 2024 are too old to assess current financial health.
Filing: One filing cycle is missing
Axes, FY 2024 · tick = 2023
Profitability54▼-3
Solvency40▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
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Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk
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
15.2%
Return on assets
2.4%
Age of the figures
24 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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts not filed
The financial year that closed on 30-09-2025 was due at the National Bank by 30-04-2026. Nothing is on record, 154 days later.
NBB · 7 filingsPosition against the passed deadline
30-09-2025 close30-04-2026 deadline01-10-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 30-09-2024 was due by 30-04-2025 and was filed on 24-09-2026, 512 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 7 filingsDeviation from the deadline
2025
not filed
2024
512 d late
2023
2 d late
2022
3 d late
2021
2 d late
2020
7 d late
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 88 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€92,260▲ 18.4%
2023 · €77,922
Total assets
€606,348▼ 1.3%
2023 · €614,426
Net result
€14,339▼ 20.1%
2023 · €17,939
Working capital
€123,075▼ 37.5%
2023 · €196,920
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€12,384▼ 8.2%€13,543▲ 9.4%€18,821▲ 39.0%€36,778▲ 95.4%€28,106▼ 23.6%
Net result€11,240within the sector's middle half▲ 93.8%€2,587below the sector's middle half▼ 77.0%€3,507below the sector's middle half▲ 35.6%€17,939within the sector's middle half▲ 412%€14,339▼ 20.1%
Equity€41,489below the sector's middle half▲ 37.2%€44,076below the sector's middle half▲ 6.2%€59,983below the sector's middle half▲ 36.1%€77,922below the sector's middle half▲ 29.9%€92,260▲ 18.4%
Total assets€466,452within the sector's middle half▲ 16.4%€517,247within the sector's middle half▲ 10.9%€504,992below the sector's middle half▼ 2.4%€614,426within the sector's middle half▲ 21.7%€606,348▼ 1.3%
Debt€424,962▲ 14.7%€473,171▲ 11.3%€445,009▼ 6.0%€536,504▲ 20.6%€514,088▼ 4.2%
Working capital€64,219within the sector's middle half▲ 89.2%€57,996within the sector's middle half▼ 9.7%€98,963within the sector's middle half▲ 70.6%€196,920within the sector's middle half▲ 99.0%€123,075▼ 37.5%
Solvency8.9%below the sector's middle half▲ 1.3pp8.5%below the sector's middle half▼ 0.4pp11.9%below the sector's middle half▲ 3.4pp12.7%below the sector's middle half▲ 0.8pp15.2%▲ 2.5pp
Current ratio1.45within the sector's middle half▲ 0.181.27within the sector's middle half▼ 0.181.53within the sector's middle half▲ 0.262.14within the sector's middle half▲ 0.611.49▼ 0.65
Return on assets (ROA)2.4%within the sector's middle half▲ 1.0pp0.5%below the sector's middle half▼ 1.9pp0.7%within the sector's middle half▲ 0.2pp2.9%within the sector's middle half▲ 2.2pp2.4%▼ 0.6pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
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 2024; 2024 is 24% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €606,348
Fixed assets
€229,557 ▼ 5.9%
Current assets
€376,792 ▲ 1.7%
Equity and liabilities €606,348
Equity
€92,260 ▲ 18.4%
Debt
€514,088 ▼ 4.2%
Debt's share of the balance-sheet total falls from 87.3% to 84.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€42,597▼
2023 · €49,418
Cash flow
€28,830▼
2023 · €30,579
Quick ratio
1.42▼
2023 · 2.09
Debt to equity
5.57▼
2023 · 6.89
ROE
15.5%▼
2023 · 23.0%
Interest coverage
3.84▼
2023 · 4.13
Debt ≤ 1 year
€253,717▲
2023 · €173,458
Debt > 1 year
€197,168▼
2023 · €220,850
Income taxes
€5,972▼
2023 · €9,606
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €10,493 | €10,661 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,327 | €25,891 | €23,822 | €12,641 | €14,492 | ▲ 14.6% |
| Other operating charges640/8 | - | €4,984 | €8,948 | €18,346 | €1,665 | ▼ 90.9% |
| Non-recurring operating charges66A | - | - | - | - | €60,825 | - |
| Gross operating margin9900 | €32,118 | €54,911 | €62,252 | €67,764 | €105,088 | ▲ 55.1% |
| Operating profit (loss)9901 | €12,384 | €13,543 | €18,821 | €36,778 | €28,106 | ▼ 23.6% |
| Financial income75/76B | - | €374 | - | €2,718 | €3,299 | ▲ 21.3% |
| Recurring financial income75 | €8,800 | €374 | - | €2,718 | €3,299 | ▲ 21.3% |
| Financial charges65/66B | - | €9,043 | €9,945 | €11,951 | €11,093 | ▼ 7.2% |
| Recurring financial charges65 | €8,346 | €9,043 | €9,945 | €11,951 | €11,093 | ▼ 7.2% |
| Profit (loss) for the period before taxes9903 | €12,838 | €4,874 | €8,876 | €27,545 | €20,311 | ▼ 26.3% |
| Income taxes67/77 | €1,598 | €2,287 | €5,369 | €9,606 | €5,972 | ▼ 37.8% |
| Profit (loss) for the period9904 | €11,240 | €2,587 | €3,507 | €17,939 | €14,339 | ▼ 20.1% |
| Profit (loss) for the period to be appropriated9905 | €11,240 | €2,587 | €3,507 | €17,939 | €14,339 | ▼ 20.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €466,452 | €517,247 | €504,992 | €614,426 | €606,348 | ▼ 1.3% |
| Fixed assets21/28 | €258,346 | €242,749 | €218,927 | €244,048 | €229,557 | ▼ 5.9% |
| Tangible fixed assets22/27 | €255,346 | €239,749 | €215,927 | €241,048 | €226,557 | ▼ 6.0% |
| Land and buildings22 | - | €205,949 | €202,145 | €198,340 | €194,536 | ▼ 1.9% |
| Plant, machinery and equipment23 | - | €17,109 | €10,387 | €4,402 | €2,226 | ▼ 49.4% |
| Furniture and vehicles24 | - | €16,691 | €3,395 | €38,306 | €29,795 | ▼ 22.2% |
| Financial fixed assets28 | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Current assets29/58 | €208,106 | €274,498 | €286,065 | €370,378 | €376,792 | ▲ 1.7% |
| Stocks and contracts in progress3 | - | €32,840 | €14,590 | €8,490 | €16,940 | ▲ 99.5% |
| Stocks30/36 | - | €32,840 | €14,590 | €8,490 | €16,940 | ▲ 99.5% |
| Amounts receivable within one year40/41 | €144,973 | €159,049 | €246,475 | €359,262 | €359,063 | ▼ 0.1% |
| Trade receivables40 | - | €130,720 | €210,604 | €274,514 | €263,465 | ▼ 4.0% |
| Other amounts receivable41 | - | €28,329 | €35,871 | €84,747 | €95,599 | ▲ 12.8% |
| Cash at bank and in hand54/58 | €51,898 | €10,907 | - | €1,603 | €0 | ▼ 100% |
| Deferred charges and accrued income490/1 | - | €71,702 | €25,000 | €1,023 | €789 | ▼ 22.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €466,452 | €517,247 | €504,992 | €614,426 | €606,348 | ▼ 1.3% |
| Equity10/15 | €41,489 | €44,076 | €59,983 | €77,922 | €92,260 | ▲ 18.4% |
| Contributions10/11 | - | €6,200 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €33,429 | €36,016 | €39,523 | €57,462 | €71,800 | ▲ 25.0% |
| Amounts payable17/49 | €424,962 | €473,171 | €445,009 | €536,504 | €514,088 | ▼ 4.2% |
| Amounts payable after more than one year17 | €279,576 | €253,092 | €222,866 | €220,850 | €197,168 | ▼ 10.7% |
| Financial debts170/4 | - | €253,092 | €222,866 | €220,850 | €197,168 | ▼ 10.7% |
| Amounts payable within one year42/48 | €143,887 | €216,502 | €187,103 | €173,458 | €253,717 | ▲ 46.3% |
| Current portion of amounts payable after more than one year42 | - | €20,667 | €22,424 | €26,194 | €67,329 | ▲ 157% |
| Trade debts44 | €119,311 | €143,367 | €112,226 | €52,805 | €126,354 | ▲ 139% |
| Suppliers440/4 | - | €143,367 | €112,226 | €52,805 | €126,354 | ▲ 139% |
| Taxes, remuneration and social security45 | - | €5,777 | €12,369 | €23,725 | €16,209 | ▼ 31.7% |
| Taxes450/3 | - | €2,287 | €5,369 | €21,638 | €14,122 | ▼ 34.7% |
| Remuneration and social security454/9 | - | €3,490 | €7,000 | €2,087 | €2,087 | = |
| Other amounts payable47/48 | - | €46,692 | €40,084 | €70,734 | €43,824 | ▼ 38.0% |
| Accrued charges and deferred income492/3 | - | €3,577 | €35,041 | €142,197 | €63,203 | ▼ 55.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,240 | €2,587 | €3,507 | €17,939 | €14,339 | ▼ 20.1% |
| + Depreciation and write-downs630 | €17,327 | €25,891 | €23,822 | €12,641 | €14,492 | ▲ 14.6% |
| Operating cash flow (approximation) | €28,567 | €28,478 | €27,329 | €30,579 | €28,830 | ▼ 5.7% |
| Investment in fixed assets (approximation) | - | -€10,294 | €0 | -€37,762 | €0 | ▲ 100% |
| Change in cash | - | -€40,991 | - | - | -€1,603 | - |
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
2026
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 512 days late
2024
02-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 2 days late
2023
30-09
Financial
Highest result since 2019net €17,939 ▲412%
Operating result €36,778, net result €17,939, both a record.
03-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 3 days late
2022
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 2 days late
2021
30-09
Financial
Weakest financial yearnet €2,587 ▼77%
Net result drops to €2,587, the lowest in the series; recovery starts the following year.
07-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 7 days late
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 4 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Rumst · 1 establishment unit since 2017
Ground area
378 m²
Building footprint
271 m²
Volume, LiDAR
1,035 m³
Parcel 11037B0102/00P000, Flanders · tallest building 7.7 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
HAN-KO
since 20172.269.553.837
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11037B0102/00P000 | Flanders | 377 m² | 1 · 271 m² | 7.7 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,719 companies in this sector we hold annual accounts for 1,288. 771 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company (pre-2019)
Founded20-07-2017
Fiscal year end30-09
Activities, NACEBEL 2025
47521Retail sale of hardware, building materials, paint and glass (general range)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0678766012
Also
9925:BE0678766012
Registered
09-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.