HAVA HORECA

Active

Private limited companyfounded 201016 yrs activeVelodroomwijk 32, 2440 Geel, BelgiumKBO/BCE: BE 0829.226.373

Summary

The computed 12-month bankruptcy probability of HAVA HORECA is 2.0% (moderate). The 2024 annual accounts show equity of €47k and a net result of €-21k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 95% of 2935 sector peers (fiscal year 2024). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

63 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0=

Solvency100=

Growth32▼-20

Track record100

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2.5k at 30 days acceptable

Liquidity ample (current ratio 34.24 against 24.09 in 2023; short-term debt: 1.9% and cash: 64.2% of total assets), and 1.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

98.1%

Return on assets

-44.8%

Age of the figures

21 mo

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Persistent losses

Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2024

Net result per financial year

18192021222324

2018 to 2024 · latest year €-21k

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-06-2025, 44 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

44 d early

2023

40 d early

2022

25 d early

2021

6 d early

2020

33 d early

2019

28 d early

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, abbreviated schema

Equity

€47k▼ 31.4%

2023 · €68k

2018: €49k 2019: €39k 2020: €36k 2021: €77k 2022: €89k 2023: €68k

2018 → 2024

Total assets

€48k▼ 32.4%

2023 · €70k

2018: €75k 2019: €82k 2020: €49k 2021: €93k 2022: €108k 2023: €70k

2018 → 2024

Net result

€-21k▼ 1.9%

2023 · €-21k

2018: €-4k 2019: €-10k 2020: €-3k 2021: €41k 2022: €12k 2023: €-21k

2018 → 2024

Working capital

€30k▼ 44.3%

2023 · €54k

2018: €20k 2019: €14k 2020: €12k 2021: €58k 2022: €75k 2023: €54k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€36k-€77k▲ 117%€89k▲ 15.5%€68k▼ 23.5%€47k▼ 31.4%

Operating result€-1k-€45k€17k▼ 61.5%€-16k€-20k▼ 23.9%

Net result€-3k-€41k€12k▼ 71.2%€-21k€-21k▼ 1.9%

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 stays negative: a loss of €20k in 2024 against €16k in 2023; the loss grows and 2024 has the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €48k

34.6%

65.4%

Fixed assets €16k ▲ 19.4%

Current assets €31k ▼ 45.0%

Equity and liabilities €48k

98.1%

Equity €47k ▼ 31.4%

Debt €907 ▼ 61.3%

Debt's share of the balance-sheet total falls from 3.3% to 1.9%. Equity and debt are lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€-18k▼

2023 · €-11k

Cash flow

€-19k▼

2023 · €-16k

Current ratio

34.24▲

2023 · 24.09

Debt to equity

0.02▼

2023 · 0.03

ROE

-45.7%▼

2023 · -30.8%

ROA

-44.8%▼

2023 · -29.7%

Interest coverage

-16.75▼

2023 · -7.95

Debt ≤ 1 year

€907▼

2023 · €2k

Income taxes

€145▲

2023 · €-26

Staff costs

€2k▼

2023 · €55k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2024 against 2023 · 44 lines

Balance sheet Code20232024

Assets

Total assets20/58€70k€48k▼

Fixed assets21/28€14k€16k▲

Tangible fixed assets22/27€5k€8k▲

Plant, machinery and equipment23-€1k

Furniture and vehicles24€1k€361▼

Other tangible fixed assets26€4k€6k▲

Financial fixed assets28€9k€9k=

Current assets29/58€56k€31k▼

Amounts receivable within one year40/41€928€504▼

Trade receivables40€928€300▼

Other amounts receivable41-€204

Cash at bank and in hand54/58€56k€31k▼

Deferred charges and accrued income490/1-€44

Equity and liabilities

Total equity and liabilities10/49€70k€48k▼

Equity10/15€68k€47k▼

Contributions10/11€19k€19k=

Reserves13€2k€2k=

Non-distributable reserves130/1€2k-

Reserves not available under the articles1311€2k-

Distributable reserves133-€2k

Profit (loss) carried forward14€47k€26k▼

Amounts payable17/49€2k€907▼

Amounts payable within one year42/48€2k€907▼

Trade debts44€25€771▲

Suppliers440/4€25€771▲

Taxes, remuneration and social security45€2k€137▼

Taxes450/3€2k€137▼

Income statement Code20232024

Remuneration, social security and pensions62€55k€2k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€2k▼

Other operating charges640/8€2k€2k▼

Gross operating margin9900€46k€-15k▼

Operating profit (loss)9901€-16k€-20k▼

Financial income75/76B-€3

Recurring financial income75-€3

Financial charges65/66B€5k€1k▼

Recurring financial charges65€1k€1k▼

Non-recurring financial charges66B€3k-

Profit (loss) for the period before taxes9903€-21k€-21k▼

Income taxes67/77€-26€145▲

Profit (loss) for the period9904€-21k€-21k▼

Profit (loss) for the period to be appropriated9905€-21k€-21k▼

Appropriation of the result

Profit (loss) to be appropriated9906€47k€26k▼

Profit (loss) brought forward from the previous period14P€68k€47k▼

Social balance

Average headcount (FTE)90871.5-

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 14Financial 4Filings 10

2025

17-06

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

31-12

Financial Weakest financial yearnet €-21k

Net result drops to €-21k, the lowest in the series.

21-06

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

31-12

Financial Liquidity times 5current ratio 24.09

Current ratio from 4.86 to 24.09; short-term debt falls from €19k to €2k.

06-07

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

25-07

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

2021

31-12

Financial Back to profitnet €41k

Net result €41k after 3 loss-making years.

31-12

Financial Liquidity doublescurrent ratio 4.59

Current ratio from 1.87 to 4.59.

28-06

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema

2020

03-07

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema

2019

23-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 23 days late

2018

09-07

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

05-07

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema

2016

12-07

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 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, Geel · 1 establishment unit since 2010

establishment The establishment unit on the map

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.

Velodroomwijk 322440 Geel

Ground area

537 m²

Building footprint

132 m²

Volume, LiDAR

744 m³

Parcel 13374F0609/00W000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Café Campus

Velodroomwijk 32, 2440 GeelCafés and bars

since 20102.192.004.515

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13374F0609/00W000	Flanders	537 m²	1 · 132 m²	8.9 m · 2 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.

Similar companies · same sector, comparable size

Antwerpen · Eq €46,646

Of 14,018 companies in sector 56301 we hold annual accounts for 4,891. 4,074 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded13-09-2010

Fiscal year end31-12

Activities, NACEBEL 2025

56301Cafés and bars

56210Event catering

Sources

Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.