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Generated 13-08-2026
Active BE 1007.023.811Private limited company

HANDAL

Chaussée de Maubeuge 119 ·7022 Mons, Belgium· 2 yrs active
Sector: Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden (56112)
Conclusion Checked

The computed 12-month bankruptcy probability of HANDAL is 4.2% (elevated). The 2025 annual accounts show equity of €48k and a net result of €43k. Its solvency ranks better than 55% of 63 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €48k
Net result €43k
Staff (FTE) 9
Better than sector 55%
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health66Profitability100Solvency40Growth78Stability82
73 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 66
Profitability 100
Solvency 40
Growth 78
Stability 82
Bankruptcy probability (12 mo) Checked model v1 · free
4.2% Elevated
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2025 · computed
66 / 100 Healthy
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 06-05-2026 with the NBB · fiscal year 2025 · volledig
€0€20k€40k€60k€80kOperating result 2024: €3k€3kNet result 2024: €2k€2kOperating result 2025: €71k€71kNet result 2025: €43k€43k20242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 56, Food & beverage service · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 27.0% 24.3%
better than 55% of 63 sector peers
Net result €43k €15k
better than 70% of 63 sector peers
Equity €48k €100k
better than 30% of 63 sector peers
Gross operating margin €313k €412k
better than 37% of 56 sector peers
Staff costs €224k €383k
higher than 32% of 61 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€82k
+2656.4% 24-25
Net profit
€43k
+1816.6% 24-25
Cash flow
€54k
+2012.3% 24-25
Total assets
€178k
+152.4% 24-25
Equity
€48k
+909.1% 24-25
Working capital
€-5k
-59.6% 24-25
Employees (FTE)
9
- 24-25
Staff costs
€224k
+2449.7% 24-25
Income taxes
€17k
+17255.0% 24-25
Debt
€130k
+97.7% 24-25
Debt ≤ 1y
€85k
+97.7% 24-25
Debt > 1y
€45k
- 24-25
Current ratio
0.95
+1.4% 24-25
Quick ratio
0.75
-0.3% 24-25
Solvency
27.0%
+299.8% 24-25
Debt / equity
2.71
-80.4% 24-25
ROE
90.1%
+89.9% 24-25
ROA
24.3%
+659.4% 24-25
Interest coverage
7.96
-18.2% 24-25
Figures by fiscal year
Fiscal year2025
Depositvolledig
Revenue-
EBITDA€82k
Net profit€43k
Cash flow€54k
Staff costs€224k
Income taxes€17k
Dividends-
Total assets€178k
Equity€48k
Debt€130k
of which ≤ 1y€85k
of which > 1y€45k
Working capital€-5k
Employees (FTE)9.0
Ratios (computed)
2025
Current ratio0.95
Quick ratio0.75
Working capital ratio-2.6%
Solvency27.0%
Debt / equity2.71
Long-term debt ratio0.94
Interest coverage7.96
Gross margin-
Net margin-
ROA24.3%
ROE90.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€178k
Fixed assets 21/28€98k
Tangible fixed assets 22/27€90k
Financial fixed assets 28€8k
Current assets 29/58€80k
Stocks & contracts in progress 3€16k
Amounts receivable within one year 40/41€5k
Cash & bank 54/58€55k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€178k
Equity 10/15€48k
Contributions / capital 10/11€3k
Reserves 13€43k
Accumulated profits (losses) 14€2k
Amounts payable 17/49€130k
Amounts payable after one year 17€45k
Amounts payable within one year 42/48€85k
Trade debts payable within one year 44€36k
Income statement
Gross operating margin 9900€313k
Operating result 9901€71k
Financial income 75€1
Financial charges 65€10k
Result before taxes 9903€61k
Income taxes 67/77€17k
Net result for the period 9904€43k
Result to be appropriated 9905€43k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 6 directors
Current directors & mandates
  • ANDAL MANAGEMENT SRLLegal entity
    Director· perm. rep.: Hasan ANDAL
    State Gazette act 25079003 (24-06-2025)
    Current
    24-06-2025 → present
  • SAK MANAGEMENT SRLLegal entity
    Director
    State Gazette act 25079003 (24-06-2025)
    Current
    24-06-2025 → present
  • Andal Hasan Huseyin
    Director
    State Gazette act 24171153 (04-12-2024)
    Current
    04-12-2024 → present
Former directors (3)
  • Andal Hasan
    Director
    State Gazette act 25079003 (24-06-2025)
    Former
    - → 24-06-2025
  • D'Hautcourt Cédric
    Director
    State Gazette act 25079003 (24-06-2025)
    Former
    - → 24-06-2025
  • Sak Teoman
    Director
    State Gazette act 24171153 (04-12-2024)
    Former
    04-12-2024 → 24-06-2025
    2 events
    • 24-06-2025 Resigned· Director
    • 04-12-2024 Appointed· Director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden(56112)
Legal form Private limited company(610)
Incorporation12-03-2024
StatusActive
Postal code7022
Establishment units 1 location
Friterie d'Hyon
Chaussée de Maubeuge 119, 7022 MonsKleinhandel in alcoholische en andere dranken, inclusief de thuisbezorging daarvan
since 20242.357.070.009
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
53042B0087/00B020 Wallonia 1,105 m² 1 · 92 m² 7.3 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 4 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
06-05-2026
NBB filing Annual accounts filed
fiscal year 2025 · volledig
06-05-2026
NBB filing Annual accounts filed
fiscal year 2024 · volledig
2025
24-06-2025
State Gazette act Director changes
2024
04-12-2024
State Gazette act Director changes
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 1 year ago
2025
24-06-2025 2 directors appointed, 3 resigning Director changes
  • SAK MANAGEMENT SRL, Bestuurder
  • Hasan ANDAL, Bestuurder
  • Andal Hasan, Bestuurder
  • D'Hautcourt Cédric, Bestuurder
  • Sak Teoman, Bestuurder
Technical details 
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      "kind": "director_in",
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        "address": "Rue Grande(GEN) 86B, 7040 Qu\u00E9vy",
        "country": "BE",
        "legal_form": "SRL"
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        "kbo": "1022.714.946",
        "name": "ANDAL MANAGEMENT SRL",
        "address": "Rue Jean Jaur\u00E8s 212, 7390 Quaregnon",
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  "notary": {
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  },
  "act_meta": {
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}
2024
04-12-2024 2 directors appointed Director changes
  • Andal Hasan Huseyin, Bestuurder
  • Sak Teoman, Bestuurder
Technical details 
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  "notary": {
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    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
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    "filing_date": "2024-11-25",
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}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank
Activities
Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112Detailhandel in dranken in gespecialiseerde winkels, algemeen assortiment47252Detailhandel in dranken, algemeen assortiment47252
Primary activity highlighted.
Names & trade names
Legal nameFR HANDAL
Registered office
Chaussée de Maubeuge 119
7022 Mons, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative