Equity
€290,809 ▲ 4.5%
HAVECO paid out €42,240 in dividends. That is 77% of the 2025 profit.
HAVECO
Lifetime
18 annual accounts with figures on one time axispeak €71,120 (2025)
€71,120▲ 69.9%
lowest -€11,759 (2011)
€54,756▲ 54.7%
peak €301,498 (2023)
€290,809▲ 4.5%
€101,944▲ 29.7%
Board2 names since 2022
1 directorVerworst Hans
Owners
Documentsfilings and deeds
13-03-202648 days before the deadline
2025abbreviated format
Gross margin from €41,855 to €71,120Result from €35,394 to €54,756Dividend €42,240Debts from €78,616 to €101,944Cash from €63,118 to €97,995
Key points
from the 2025 annual accountsFilings
18 annual accounts since 2008
The last five annual accounts were filed 32 to 147 days before the end of the period.
Position in the sector
74.0%
Higher solvency than 84% of companies in retail trade. Sector median 36.6% · 12,838 companies.
Checked score
97
Excellent
Financially stronger than 73% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,280 companies (NACE 47, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025highest value
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026lowest value
05-2026: 0.1%● unchanged vs 04-2026lowest value
06-2026: 0.1%● unchanged vs 05-2026lowest value
07-2026: 0.1%● unchanged vs 06-2026lowest value
08-2026: 0.1%● unchanged vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Retail trade (NACE 47)
lowers risk
Liquidity: current ratio 4.00, cash €97,995
Equity €290,809 (74.0% of total assets)
Founded in 2008
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 84% of them on solvency, 78% on liquidity, 81% on profitability and 51% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as HAVECO has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of HAVECO itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for HAVECO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €25,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.0 (4.6 in 2024), above the usual 1.5. Short-term debt is 25% and cash 25% of total assets. 26% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 13-03-2026, 48 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
48 days early
2024
147 days early
2023
119 days early
2022
90 days early
2021
32 days early
2020
43 days early
2019
36 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 74 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 30 January (4 of the last 5 accounts filed within 57 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end07-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0897002847
Resignation: VANBRABANT Kathleen Veronique Jan Ghislaine (manager)
Director discharge: VANBRABANT Kathleen Veronique Jan Ghislaine (manager) · General meeting of 06-09-2023 · Gazette deed
Incorporation
published on 16-04-2008 · Gazette deed
First establishment
HV / HV & Consulting / HV Consulting, Donkerstraat 2, Bonheiden
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| HAVECO Bonheiden | €392,752 | €71,120 | 74.0% | - |
| AHMED FRUITS Jette | €357,397 | €80,728 | 61.5% | - |
| SAVEURS D'AUTREFOIS Seraing | €359,324 | €87,780 | 11.5% | - |
| WAY CUP Brussels | €431,707 | €90,352 | 70.1% | - |
| 'T GEBRADEN KIEKSKE Nijlen | €477,858 | €54,131 | 26.1% | - |
| BART & INGE Wervik | €487,152 | €54,610 | 90.3% | - |
| TRADITION DC La Bruyère | €371,172 | €49,899 | 20.1% | - |
These companies have the same main activity as HAVECO: retail sale of fruit and vegetables (NACE 47210). They are comparable in size and age: total assets between €357,000 and €487,000, founded between 2005 and 2011.
Official details
Source: KBO- Status
- Active since 01-04-2008Normal situation
- Activity
- Retail sale of fruit and vegetablesNACE 47210
- Establishment unit
- 2.169.921.2762820 Bonheiden, since 01-04-2008
- Financial year end
- 30 September
- Peppol
- Reachable since 23-12-2025
Annual accounts to 30-09-2025
- ≈ €550,000estimated
- €392,752▲ 10.0%
- Filing
- Filed on 13-03-2026, 48 days before the end of the filing period
Insights on HAVECO
HAVECO files the abbreviated format. That format states no turnover. The gross margin rose from €11,449 in 2008 to €71,120 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about HAVECO
- What is the company number of HAVECO?
- The company number of HAVECO is 0897.002.847. The VAT number is the same number with BE in front: BE 0897.002.847.
- Where is HAVECO based?
- The registered office is at Donkerstraat 2, 2820 Bonheiden.Company details
- What does HAVECO do?
- According to the KBO register, the main activity is retail sale of fruit and vegetables (NACE 47210).
- What is the legal form of HAVECO?
- HAVECO is a private limited company (BV).
- When was HAVECO founded?
- HAVECO was founded on 01-04-2008.
- Is HAVECO still active?
- Yes, HAVECO is an active enterprise in the KBO register.
- What is the turnover of HAVECO?
- The turnover in financial year 2025 is ≈ €550,000. This figure is estimated from the gross margin of €71,120 and 62 comparable companies (NACE 472). It probably lies between €270,000 and €840,000.Financials
- Is HAVECO profitable?
- In financial year 2025, HAVECO made a profit of €54,756.
- Where can I find the annual accounts of HAVECO?
- HAVECO filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of HAVECO due?
- HAVECO must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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