HAPA

Active

Private limited companyfounded 20251 yr activeRue Jacob-Makoy 32, 4000 Liège, BelgiumKBO/BCE: BE 1022.722.468

Summary

HAPA has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43,513 and a net result of €43,846. Its solvency ranks better than 57% of 34931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch Report Compare

HAPAActiveChecked score 97/100

Risk analysis Report Compare

Activity

Business and other management consultancy

NACE 70200

1 site

Size

€68,486total assets 2025

Equity: €43,513
Profit: €43,846

Turnover not published (abridged schema)

Financial health

97 Excellent Checked score 2025

Bankruptcy chance 12 m: < 0.1%

Structure

Accounts 24 d early0 of 1 deed read

Why 97+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Liquidity: current ratio 2.74, cash €53,350+ Size: total assets €68,486+ Equity €43,513 (63.5% of total assets)Show the evidence

Checked score

Score 2025

97 / 100

Excellent

Probability in this band: under 0.55%

Better than 73% of its sector peers (NACE 70, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 89

equity 63.5% of total assets

Liquidity 83

short-term debt 36.5% · cash 77.9%

Profitability 100

return on assets 64.0%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (47,477 companies)

Last 24 months 05-2026: 0.4% 06-2026: 0.4%● 0.0% vs 05-2026 07-2026: 0.4%▲ +2.2% vs 06-2026highest value 08-2026: < 0.1%▼ -92.1% vs 07-2026lowest value 09-2026: < 0.1%● 0.0% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value

Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
Liquidity: current ratio 2.74, cash €53,350 lowers the probability
Size: total assets €68,486 lowers the probability for this profile
Equity €43,513 (63.5% of total assets) lowers the probability

Credit up to €4,000 at 30 days acceptable

Liquidity ample (current ratio 2.74; short-term debt: 36.5% and cash: 77.9% of total assets), and 36.5% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 58%, liquidity 75%, profitability 85%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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