HANAMIKO
ActiveSummary
The computed 12-month bankruptcy probability of HANAMIKO is 2.4% (moderate). The 2024 annual accounts show equity of €167,058 and a net result of €34,587. Equity is growing by ~49.8% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability92▼-8
Solvency100▲+5
Growth78=
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12,000 at 30 days acceptable
Liquidity ample (current ratio 8.29 against 3.36 in 2023; short-term debt: 11.5% and cash: 17.8% of total assets), and 11.5% of the assets are financed with debt.
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Signals
Four 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 →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-06-2026, 36 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
36 d early
2024
24 d early
2023
34 d early
2022
113 d late
2021
9 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 6 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 (2)
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. Usually files around 7 July (4 of the last 5 filed years within 33 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema, 2025 accounts filed, figures not processed yet
Equity
€167,058▲ 26.1%
2023 · €132,472
Total assets
€188,693▲ 0.3%
2023 · €188,053
Net result
€34,587▼ 47.5%
2023 · €65,827
Working capital
€157,805▲ 20.1%
2023 · €131,428
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
Line2021202220232024
Operating result€20,780-€58,459▲ 181%€83,851▲ 43.4%€44,831▼ 46.5%
Net result€16,321within the sector's middle half-€46,325above the sector's middle half▲ 184%€65,827above the sector's middle half▲ 42.1%€34,587above the sector's middle half▼ 47.5%
Equity€20,321within the sector's middle half-€66,645within the sector's middle half▲ 228%€132,472above the sector's middle half▲ 98.8%€167,058above the sector's middle half▲ 26.1%
Total assets€54,485below the sector's middle half-€107,487within the sector's middle half▲ 97.3%€188,053within the sector's middle half▲ 75.0%€188,693within the sector's middle half▲ 0.3%
Debt€34,164-€40,842▲ 19.5%€55,581▲ 36.1%€21,635▼ 61.1%
Working capital€18,255within the sector's middle half-€65,090within the sector's middle half▲ 257%€131,428above the sector's middle half▲ 102%€157,805above the sector's middle half▲ 20.1%
Solvency37.3%within the sector's middle half-62.0%above the sector's middle half▲ 24.7pp70.4%above the sector's middle half▲ 8.4pp88.5%above the sector's middle half▲ 18.1pp
Current ratio1.53within the sector's middle half-2.59within the sector's middle half▲ 1.063.36above the sector's middle half▲ 0.778.29above the sector's middle half▲ 4.93
Return on assets (ROA)30.0%above the sector's middle half-43.1%above the sector's middle half▲ 13.1pp35.0%above the sector's middle half▼ 8.1pp18.3%above the sector's middle half▼ 16.7pp
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 micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 47% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €188,693
Fixed assets
€9,253 ▲ 786%
Current assets
€179,440 ▼ 4.0%
Equity and liabilities €188,693
Equity
€167,058 ▲ 26.1%
Debt
€21,635 ▼ 61.1%
Debt's share of the balance-sheet total falls from 29.6% to 11.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€46,339▼
2023 · €84,361
Cash flow
€36,095▼
2023 · €66,337
Quick ratio
7.02▲
2023 · 2.92
Debt to equity
0.13▼
2023 · 0.42
ROE
20.7%▼
2023 · 49.7%
Interest coverage
101.84▼
2023 · 141.55
Debt ≤ 1 year
€21,635▼
2023 · €55,581
Income taxes
€11,184▼
2023 · €17,515
Staff costs
€1,728=
2023 · €1,728
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €1,728 | €1,728 | €1,728 | = |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,141 | €510 | €510 | €1,508 | ▲ 196% |
| Other operating charges640/8 | €448 | - | €1,038 | €3,234 | ▲ 212% |
| Gross operating margin9900 | €22,369 | €60,697 | €87,127 | €51,301 | ▼ 41.1% |
| Operating profit (loss)9901 | €20,780 | €58,459 | €83,851 | €44,831 | ▼ 46.5% |
| Financial income75/76B | €52 | €642 | €87 | €1,395 | ▲ 1,503% |
| Recurring financial income75 | €52 | €34 | €87 | €1,395 | ▲ 1,503% |
| Non-recurring financial income76B | - | €608 | - | - | - |
| Financial charges65/66B | €303 | €731 | €596 | €455 | ▼ 23.7% |
| Recurring financial charges65 | €303 | €731 | €596 | €455 | ▼ 23.7% |
| Profit (loss) for the period before taxes9903 | €20,529 | €58,370 | €83,342 | €45,771 | ▼ 45.1% |
| Income taxes67/77 | €4,209 | €12,045 | €17,515 | €11,184 | ▼ 36.1% |
| Profit (loss) for the period9904 | €16,321 | €46,325 | €65,827 | €34,587 | ▼ 47.5% |
| Profit (loss) for the period to be appropriated9905 | €16,321 | €46,325 | €65,827 | €34,587 | ▼ 47.5% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €54,485 | €107,487 | €188,053 | €188,693 | ▲ 0.3% |
| Fixed assets21/28 | €2,065 | €1,555 | €1,044 | €9,253 | ▲ 786% |
| Tangible fixed assets22/27 | €2,065 | €1,555 | €1,044 | €9,253 | ▲ 786% |
| Land and buildings22 | - | - | - | €2,568 | - |
| Plant, machinery and equipment23 | - | - | - | €2,996 | - |
| Furniture and vehicles24 | €2,065 | €1,555 | €1,044 | €3,689 | ▲ 253% |
| Current assets29/58 | €52,419 | €105,932 | €187,009 | €179,440 | ▼ 4.0% |
| Stocks and contracts in progress3 | €12,463 | €15,672 | €24,844 | €27,550 | ▲ 10.9% |
| Stocks30/36 | €12,463 | €15,672 | €24,844 | €27,550 | ▲ 10.9% |
| Amounts receivable within one year40/41 | €6,351 | €7,875 | €21,818 | €47,856 | ▲ 119% |
| Trade receivables40 | €5,351 | €6,050 | €20,818 | €39,690 | ▲ 90.7% |
| Other amounts receivable41 | €1,000 | €1,825 | €1,000 | €8,166 | ▲ 717% |
| Current investments50/53 | - | - | €32,000 | €70,000 | ▲ 119% |
| Cash at bank and in hand54/58 | €33,196 | €82,385 | €107,937 | €33,661 | ▼ 68.8% |
| Deferred charges and accrued income490/1 | €410 | - | €410 | €373 | ▼ 9.0% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €54,485 | €107,487 | €188,053 | €188,693 | ▲ 0.3% |
| Equity10/15 | €20,321 | €66,645 | €132,472 | €167,058 | ▲ 26.1% |
| Contributions10/11 | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Reserves13 | €16,321 | €62,645 | €128,472 | €163,058 | ▲ 26.9% |
| Distributable reserves133 | €16,321 | €62,645 | €128,472 | €163,058 | ▲ 26.9% |
| Amounts payable17/49 | €34,164 | €40,842 | €55,581 | €21,635 | ▼ 61.1% |
| Amounts payable within one year42/48 | €34,164 | €40,842 | €55,581 | €21,635 | ▼ 61.1% |
| Trade debts44 | €1,940 | €2,782 | €2,319 | €1,740 | ▼ 25.0% |
| Suppliers440/4 | €1,940 | €2,782 | €2,319 | €1,740 | ▼ 25.0% |
| Taxes, remuneration and social security45 | €11,243 | €23,680 | €38,882 | €7,015 | ▼ 82.0% |
| Taxes450/3 | €11,243 | €23,680 | €36,209 | €7,015 | ▼ 80.6% |
| Remuneration and social security454/9 | - | - | €2,673 | - | - |
| Other amounts payable47/48 | €20,980 | €14,380 | €14,380 | €12,880 | ▼ 10.4% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,321 | €46,325 | €65,827 | €34,587 | ▼ 47.5% |
| + Depreciation and write-downs630 | €1,141 | €510 | €510 | €1,508 | ▲ 196% |
| Operating cash flow (approximation) | €17,462 | €46,835 | €66,337 | €36,095 | ▼ 45.6% |
| Investment in fixed assets (approximation) | - | €0 | €1 | -€9,717 | ▼ 971,800% |
| Change in cash | - | €49,189 | €25,552 | -€74,276 | ▼ 391% |
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
Next filing, fiscal year 2026, expected by
2026
25-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 8.29
Current ratio from 3.36 to 8.29; short-term debt falls from €55,581 to €21,635.
31-12
Financial
Equity above €150,000Eq €167,058 ▲26.1%
4 profitable years in a row build equity to €167,058.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €65,827 ▲42.1%
Operating result €83,851, net result €65,827, both a record.
31-12
Financial
Equity above €100,000Eq €132,472 ▲98.8%
3 profitable years in a row build equity to €132,472.
21-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 113 days late
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Vilvoorde · 2 establishment units since 2021
Ground area
5.9 ha
Building footprint
206 m²
Volume, LiDAR
1,806 m³
2 parcels, Flanders · tallest building 14.2 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
HANAMIKO
since 20212.316.002.583
Winkel Toko Manis
since 20252.369.124.040
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23643E0006/00P000 | Flanders | 5.8 ha | 1 · 110 m² | 10.3 m · 3 fl. |
| 23642D0896/00P030 | Flanders | 203 m² | 1 · 96 m² | 14.2 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.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesVilvoorde2.369.124.040
Vilvoorde2.316.002.583
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JAMNO
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Of 12,927 companies in this sector we hold annual accounts for 2,195. 1,429 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
Founded09-04-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47120Other non-specialised retail sale
E-invoicing
Reachable via Peppol
Peppol ID
0208:0766543290
Registered
31-12-2025
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.