Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of HANIF is 5.0% (elevated). The 2022 annual accounts show equity of €41k and a net result of €29k. Equity is growing by ~83.8% per year across the filed fiscal years. The company has been active since 2006 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Based on the State Gazette, CBE and 5 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Insolvency timeline
1 eventsSignals
Insufficient current data: the most recent filed accounts (financial year 2022) are too old to derive current signals.
Filing behaviour
From the deposit records, complete market-wide| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | nothing on record | not filed | - |
| 31-12-2023 | 31-07-2024 | nothing on record | not filed | - |
| 31-12-2022 | 31-07-2023 | 19-03-2024 | 232 d late | 2024-00048245 |
| 31-12-2021 | 31-07-2022 | 22-09-2022 | 53 d late | 2022-20440982 |
| 31-12-2020 | 31-07-2021 | 29-09-2021 | 60 d late | 2021-69000434 |
| 31-12-2019 | 31-07-2020 | 06-10-2020 | 67 d late | 2020-59200181 |
| 31-12-2018 | 31-07-2019 | 14-08-2019 | 14 d late | 2019-46400200 |
| 31-12-2017 | 31-07-2018 | 26-09-2018 | 57 d late | 2018-65700575 |
| 31-12-2016 | 31-07-2017 | 26-10-2017 | 87 d late | 2017-67900531 |
| 31-12-2015 | 31-07-2016 | 26-10-2017 | 452 d late | 2017-67900318 |
| 31-12-2014 | 31-07-2015 | 27-08-2015 | 27 d late | 2015-51100416 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
1 signalAdministrative Flags
1 eventFinancials
Annual accounts & ratios
Source: NBB · 2022How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Show 11 other metrics
| Fiscal year | 2022 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €47k |
| Net profit | €29k |
| Cash flow | €30k |
| Staff costs | €21k |
| Income taxes | €15k |
| Dividends | - |
| Total assets | €101k |
| Equity | €41k |
| Debt | €60k |
| of which ≤ 1y | €60k |
| of which > 1y | - |
| Working capital | €33k |
| Employees (FTE) | 2.2 |
| 2022 | |
|---|---|
| Current ratio | 1.55 |
| Quick ratio | 1.31 |
| Working capital ratio | 32.6% |
| Solvency | 40.2% |
| Debt / equity | 1.49 |
| Long-term debt ratio | - |
| Interest coverage | 18.46 |
| Gross margin | - |
| Net margin | - |
| ROA | 28.5% |
| ROE | 70.8% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Full annual accounts (24 line items)
| Line item | Code | 2022 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €101k |
| Fixed assets | 21/28 | €8k |
| Tangible fixed assets | 22/27 | €2k |
| Financial fixed assets | 28 | €6k |
| Current assets | 29/58 | €93k |
| Stocks & contracts in progress | 3 | €14k |
| Amounts receivable within one year | 40/41 | €59k |
| Cash & bank | 54/58 | €20k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €101k |
| Equity | 10/15 | €41k |
| Contributions / capital | 10/11 | €15k |
| Reserves | 13 | €2k |
| Accumulated profits (losses) | 14 | €24k |
| Amounts payable | 17/49 | €60k |
| Amounts payable within one year | 42/48 | €60k |
| Trade debts payable within one year | 44 | €42k |
| Income statement | ||
| Gross operating margin | 9900 | €78k |
| Operating result | 9901 | €46k |
| Financial income | 75 | €439 |
| Financial charges | 65 | €3k |
| Result before taxes | 9903 | €44k |
| Income taxes | 67/77 | €15k |
| Net result for the period | 9904 | €29k |
| Result to be appropriated | 9905 | €29k |
Health barometer
FY 2022 · computedThe full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Directors
Directors & mandates
4 directors-
Current14-10-2025 → present
Former directors (3)
-
Former15-08-2024 → 14-10-2025
2 events
- 14-10-2025 Resigned· Manager
- 15-08-2024 Appointed· Director
-
Former- → 15-08-2024
-
Former- → 31-12-2014
Insolvency mandates
Legal Structure
| NACE primary | - |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 08-11-2006 |
| Status | Active |
| Postal code | - |
Structure & network
Connections & network
6 connected companiesShow 2 more network connections
Locations & real estate
Registered office
on the map · from the address registerReal-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23582E0390/00T002 | Flanders | 2,865 m² | 1 · 1,680 m² | - |
Publications
Lifecycle & Insolvency Signals
1 event from the State GazetteTime machine: BS events + macro context
2021-2026Belgisch Staatsblad · acts
5 acts13-11-2025 1 director appointed, 1 resigning
- Todorov Martin Savov, Zaakvoerder
- Mohammad Rasoul Mohammadi, Zaakvoerder
22-10-2024 1 director appointed, 1 resigning
09-07-2019 Registered office moved from Antwerpen to Turnhout
- Sint-Gummarusstraat 47, 2060 Antwerpen → Merodelei 28, 2300 Turnhout
20-02-2015 KHAN Sidiqullah resigns as manager
30-12-2013 Registered office moved from Zwijndrecht to Antwerpen
- Dorpstraat 111, 2070 Zwijndrecht → Sint-Gummarusstraat 47, 2060 Antwerpen
Analysis
Financial profile
5 of 5 axes measuredExceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Credit advice
verdict per customer and amountCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameNL | HANIF |
- 03-02-2025 Address struck