HAS KREDIET is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €198k and a net result of €-18k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 68% of 1463 sector peers (fiscal year 2025). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
23 d early
2023
41 d late
2022
60 d late
2021
25 d late
2020
31 d late
2019
on the day
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€198k▼ 8.3%
2024 · €216k
2018: €124k
2019: €155k
2020: €237k
2021: €253k
2022: €213k
2023: €205k
2024: €216k
2018 → 2025
Net result
€-18k
2024 · €10k
2018: €-4k
2019: €31k
2020: €81k
2021: €17k
2022: €-40k
2023: €-8k
2024: €10k
2018 → 2025
Total assets
€334k▼ 23.6%
2024 · €437k
2018: €356k
2019: €316k
2020: €396k
2021: €394k
2022: €366k
2023: €396k
2024: €437k
2018 → 2025
Solvency
59.3%▲ 9.9pp
2024 · 49.4%
2018: 34.9%
2019: 49.2%
2020: 59.8%
2021: 64.2%
2022: 58.2%
2023: 51.9%
2024: 49.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€330k€422k▲ 28.0%
Equity€253k-€213k▼ 15.8%€205k▼ 3.6%€216k▲ 5.0%€198k▼ 8.3%
Operating result€4k-€-52k€-14k▲ 73.6%€897€-25k
Net result€17k-€-40k€-8k▲ 80.8%€10k€-18k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €25k after €897 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €334k
Fixed assets
€38k▲ 3,049%
Current assets
€296k▼ 32.0%
Equity and liabilities €334k
Equity
€198k▼ 8.3%
Debt
€136k▼ 38.6%
The debt ratio falls from 50.6% to 40.7%. Equity and debt are lower.
Key figures and ratios
Solvency
59.3%▲
2024 · 49.4%
ROE
-9.0%▼
2024 · 4.8%
ROA
-5.4%▼
2024 · 2.4%
Debt
€136k▼
2024 · €221k
Debt ≤ 1 year
€96k▼
2024 · €166k
Debt > 1 year
€37k▼
2024 · €53k
Income taxes
€-49▼
2024 · €2k
Staff costs
€152k▲
2024 · €130k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€437k€334k▼
Fixed assets21/28€1k€38k▲
Tangible fixed assets22/27€1k€38k▲
Furniture and vehicles24€1k€955▼
Other tangible fixed assets26-€37k
Current assets29/58€436k€296k▼
Amounts receivable within one year40/41€420k€273k▼
Other amounts receivable41€420k€273k▼
Cash at bank and in hand54/58€2k€488▼
Deferred charges and accrued income490/1€13k€22k▲
Equity and liabilities
Total equity and liabilities10/49€437k€334k▼
Equity10/15€216k€198k▼
Contributions10/11€619k€619k=
Reserves13€17k€17k=
Distributable reserves133€17k€17k=
Profit (loss) carried forward14€-419k€-437k▼
Amounts payable17/49€221k€136k▼
Amounts payable after more than one year17€53k€37k▼
Financial debts170/4€53k€37k▼
Amounts payable within one year42/48€166k€96k▼
Current portion of amounts payable after more than one year42€15k€16k▲
Trade debts44€54k€23k▼
Suppliers440/4€54k€23k▼
Taxes, remuneration and social security45€53k€55k▲
Taxes450/3€10k€7k▼
Remuneration and social security454/9€43k€48k▲
Other amounts payable47/48€44k€3k▼
Accrued charges and deferred income492/3€3k€3k=
Income statement
Code20242025
Turnover70€330k€422k▲
Goods, raw materials, services and sundry goods60/61€181k€265k▲
Remuneration, social security and pensions62€130k€152k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13€3k▲
Other operating charges640/8€17k€27k▲
Gross operating margin9900€149k€157k▲
Operating profit (loss)9901€897€-25k▼
Financial income75/76B€16k€14k▼
Recurring financial income75€16k€14k▼
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€12k€-18k▼
Income taxes67/77€2k€-49▼
Profit (loss) for the period9904€10k€-18k▼
Profit (loss) for the period to be appropriated9905€10k€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-419k€-437k▼
Profit (loss) brought forward from the previous period14P€-430k€-419k▲
Social balance
Average headcount (FTE)90874.04.2▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
10-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 41 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Weakest financial yearnet €-40k ▼343%
Net result drops to €-40k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €81k ▲164%
Operating result €107k, net result €81k, both a record.
31-12
Financial
Equity above €200kEq €237k ▲52.4%
2 profitable years in a row build equity to €237k.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 7.67
Current ratio from 3.54 to 7.67; short-term debt falls from €100k to €41k.
31-12
Financial
Equity above €150kEq €155k ▲24.8%
Equity rises from €124k to €155k.
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 1995
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Sleepstraat 1869000 GentGround area
180 m²
Building footprint
187 m²
Volume, LiDAR
1,875 m³
Parcel 44021A2211/00G000, Flanders · tallest building 16.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
HAS KREDIET
since 19952.071.447.965
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A2211/00G000 | Flanders | 180 m² | 1 · 187 m² | 15.9 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Dual-learning approval
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Of 4,686 companies in sector 66220 we hold annual accounts for 3,231. 2,825 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-1995
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@haskrediet.be