Havenkop
ActiveSummary
Havenkop has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €68,832 and a net result of -€9,973. Equity is shrinking by ~13% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability63▲+18
Solvency55▲+4
Growth30▲+2
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,500 at 30 days acceptable
Liquidity short (current ratio 0.83 against 0.64 in 2023; short-term debt: 62% and cash: 12.3% of total assets), and 70.3% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 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 2024Solvency, return and age of the figures
Solvency
29.7%
Return on assets
-4.3%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 25-06-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
on the day
2023
7 d early
2022
37 d early
2021
32 d early
2020
37 d early
2019
34 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 26 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 29 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema, 2025 accounts filed, figures not processed yet
Turnover
€846,000▲ 7.3%
2023 · €788,710
EBIT margin
1.0%▲ 9.6pp
2023 · -8.5%
Net result
-€9,973▲ 80.7%
2023 · -€51,558
Working capital
-€24,857▲ 66.6%
2023 · -€74,390
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€794,642▲ 4.6%€905,259▲ 13.9%€1.0m▲ 14.3%€788,710▼ 23.8%€846,000▲ 7.3%
Operating result-€26,654-€2,581▲ 90.3%€9,772-€67,392€8,786
Net result-€23,227below the sector's middle half-€14,504below the sector's middle half▲ 37.6%-€2,269within the sector's middle half▲ 84.4%-€51,558below the sector's middle half▼ 2,172%-€9,973below the sector's middle half▲ 80.7%
EBIT margin-3.4%▼ 4.7pp-0.3%▲ 3.1pp0.9%▲ 1.2pp-8.5%▼ 9.5pp1.0%▲ 9.6pp
Equity€147,136within the sector's middle half▼ 13.6%€132,633within the sector's middle half▼ 9.9%€130,363within the sector's middle half▼ 1.7%€78,805below the sector's middle half▼ 39.5%€68,832within the sector's middle half▼ 12.7%
Total assets€273,137below the sector's middle half▼ 18.7%€442,519below the sector's middle half▲ 62.0%€422,359above the sector's middle half▼ 4.6%€298,983below the sector's middle half▼ 29.2%€231,942within the sector's middle half▼ 22.4%
Debt€126,001▼ 23.9%€309,886▲ 146%€291,996▼ 5.8%€220,178▼ 24.6%€163,110▼ 25.9%
Working capital-€24,387below the sector's middle half▼ 690%-€72,881below the sector's middle half▼ 199%-€74,003below the sector's middle half▼ 1.5%-€74,390below the sector's middle half▼ 0.5%-€24,857below the sector's middle half▲ 66.6%
Solvency53.9%within the sector's middle half▲ 3.2pp30.0%within the sector's middle half▼ 23.9pp30.9%within the sector's middle half▲ 0.9pp26.4%within the sector's middle half▼ 4.5pp29.7%within the sector's middle half▲ 3.3pp
Current ratio0.81below the sector's middle half▼ 0.170.68below the sector's middle half▼ 0.130.70below the sector's middle half▲ 0.010.64below the sector's middle half▼ 0.060.83below the sector's middle half▲ 0.19
Return on assets (ROA)-8.5%below the sector's middle half▼ 10.0pp-3.3%below the sector's middle half▲ 5.2pp-0.5%within the sector's middle half▲ 2.7pp-17.2%below the sector's middle half▼ 16.7pp-4.3%below the sector's middle half▲ 12.9pp
Staff (FTE)9.5above the sector's middle half▲ 11.8%8.7above the sector's middle half▼ 8.4%9.5above the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
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 returns to profit in 2024: €8,786 after a loss of €67,392 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €231,942
Fixed assets
€112,927 ▼ 33.1%
Current assets
€119,015 ▼ 8.6%
Equity and liabilities €231,942
Equity
€68,832 ▼ 12.7%
Debt
€163,110 ▼ 25.9%
Debt's share of the balance-sheet total falls from 73.6% to 70.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€86,570▲
2023 · €31,287
Cash flow
€67,810▲
2023 · €47,122
Debt to equity
2.37▼
2023 · 2.79
ROE
-14.5%▲
2023 · -65.4%
Interest coverage
34.25▲
2023 · 11.72
Debt ≤ 1 year
€143,872▼
2023 · €204,674
Debt > 1 year
€3,168▼
2023 · €15,504
Income taxes
€17,189▲
2023 · €5,171
Staff costs
€568,060▼
2023 · €595,871
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,165 companies that looked in July 2024 the way this one looks now, 2.6% went bankrupt within 24 months and 94% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a small loss
2.6%
went bankrupt
3.0%
stopped otherwise
94%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,165 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €794,642 | €905,259 | €1.0m | €788,710 | €846,000 | ▲ 7.3% |
| Goods, raw materials, services and sundry goods60/61 | - | €326,377 | €312,908 | €182,555 | €202,236 | ▲ 10.8% |
| Remuneration, social security and pensions62 | - | €521,914 | €628,810 | €595,871 | €568,060 | ▼ 4.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €48,616 | €66,753 | €92,022 | €98,680 | €77,783 | ▼ 21.2% |
| Other operating charges640/8 | - | €11,023 | €9,928 | €8,292 | €8,250 | ▼ 0.5% |
| Gross operating margin9900 | €542,951 | €597,109 | €740,532 | €635,450 | €662,880 | ▲ 4.3% |
| Operating profit (loss)9901 | -€26,654 | -€2,581 | €9,772 | -€67,392 | €8,786 | ▲ 113% |
| Financial income75/76B | - | €2,825 | €11,006 | €23,674 | €957 | ▼ 96.0% |
| Recurring financial income75 | €11,254 | €2,825 | €11,006 | €23,674 | €957 | ▼ 96.0% |
| Financial charges65/66B | - | €1,758 | €3,273 | €2,668 | €2,528 | ▼ 5.3% |
| Recurring financial charges65 | €66 | €1,718 | €3,273 | €2,668 | €2,528 | ▼ 5.3% |
| Non-recurring financial charges66B | - | €40 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | -€15,466 | -€1,514 | €17,505 | -€46,387 | €7,216 | ▲ 116% |
| Income taxes67/77 | €7,761 | €12,989 | €19,774 | €5,171 | €17,189 | ▲ 232% |
| Profit (loss) for the period9904 | -€23,227 | -€14,504 | -€2,269 | -€51,558 | -€9,973 | ▲ 80.7% |
| Profit (loss) for the period to be appropriated9905 | -€23,227 | -€14,504 | -€2,269 | -€51,558 | -€9,973 | ▲ 80.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €273,137 | €442,519 | €422,359 | €298,983 | €231,942 | ▼ 22.4% |
| Fixed assets21/28 | €171,550 | €286,650 | €252,696 | €168,699 | €112,927 | ▼ 33.1% |
| Intangible fixed assets21 | €77 | €42 | €1,642 | €1,103 | €570 | ▼ 48.3% |
| Tangible fixed assets22/27 | €170,583 | €286,308 | €250,754 | €167,296 | €111,795 | ▼ 33.2% |
| Plant, machinery and equipment23 | - | €45,379 | €53,856 | €32,824 | €30,071 | ▼ 8.4% |
| Furniture and vehicles24 | - | €152,534 | €108,596 | €64,657 | €30,175 | ▼ 53.3% |
| Other tangible fixed assets26 | - | €88,395 | €88,302 | €69,815 | €51,549 | ▼ 26.2% |
| Financial fixed assets28 | €890 | €300 | €300 | €300 | €562 | ▲ 87.3% |
| Current assets29/58 | €101,587 | €155,869 | €169,664 | €130,284 | €119,015 | ▼ 8.6% |
| Amounts receivable within one year40/41 | €91,458 | €121,317 | €133,686 | €127,189 | €90,530 | ▼ 28.8% |
| Trade receivables40 | - | €76,158 | €91,084 | €109,932 | €79,260 | ▼ 27.9% |
| Other amounts receivable41 | - | €45,158 | €42,602 | €17,257 | €11,269 | ▼ 34.7% |
| Cash at bank and in hand54/58 | €10,069 | €32,362 | €35,368 | €1,872 | €28,485 | ▲ 1,421% |
| Deferred charges and accrued income490/1 | - | €2,190 | €610 | €1,223 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €273,137 | €442,519 | €422,359 | €298,983 | €231,942 | ▼ 22.4% |
| Equity10/15 | €147,136 | €132,633 | €130,363 | €78,805 | €68,832 | ▼ 12.7% |
| Contributions10/11 | - | €13,382 | €13,382 | €13,382 | €13,382 | = |
| Outside capital11 | - | €13,382 | - | - | - | - |
| Other1109/19 | - | €13,382 | - | - | - | - |
| Reserves13 | €7,735 | €7,735 | €7,735 | €7,735 | €7,735 | = |
| Non-distributable reserves130/1 | - | €7,735 | €7,735 | - | - | - |
| Reserves not available under the articles1311 | - | €7,735 | €7,735 | - | - | - |
| Distributable reserves133 | - | - | - | €7,735 | €7,735 | = |
| Profit (loss) carried forward14 | €126,018 | €111,515 | €109,246 | €57,688 | €47,714 | ▼ 17.3% |
| Amounts payable17/49 | €126,001 | €309,886 | €291,996 | €220,178 | €163,110 | ▼ 25.9% |
| Amounts payable after more than one year17 | - | €81,137 | €48,329 | €15,504 | €3,168 | ▼ 79.6% |
| Financial debts170/4 | - | €81,137 | €48,329 | €15,504 | €3,168 | ▼ 79.6% |
| Amounts payable within one year42/48 | €125,974 | €228,749 | €243,667 | €204,674 | €143,872 | ▼ 29.7% |
| Current portion of amounts payable after more than one year42 | - | €57,663 | €55,614 | €46,854 | €20,072 | ▼ 57.2% |
| Trade debts44 | €2,775 | €21,413 | €23,835 | €13,587 | €18,907 | ▲ 39.2% |
| Suppliers440/4 | - | €21,413 | €23,835 | €13,587 | €18,907 | ▲ 39.2% |
| Taxes, remuneration and social security45 | - | €89,435 | €98,149 | €101,850 | €102,467 | ▲ 0.6% |
| Taxes450/3 | - | €644 | €5,299 | €4,889 | €13,458 | ▲ 175% |
| Remuneration and social security454/9 | - | €88,791 | €92,850 | €96,961 | €89,009 | ▼ 8.2% |
| Other amounts payable47/48 | - | €60,238 | €66,069 | €42,382 | €2,425 | ▼ 94.3% |
| Accrued charges and deferred income492/3 | - | - | - | - | €16,071 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€23,227 | -€14,504 | -€2,269 | -€51,558 | -€9,973 | ▲ 80.7% |
| + Depreciation and write-downs630 | €48,616 | €66,753 | €92,022 | €98,680 | €77,783 | ▼ 21.2% |
| Operating cash flow (approximation) | €25,389 | €52,250 | €89,753 | €47,122 | €67,810 | ▲ 43.9% |
| Investment in fixed assets (approximation) | - | -€181,853 | -€58,068 | -€14,683 | -€22,012 | ▼ 49.9% |
| Change in cash | - | €22,293 | €3,006 | -€33,495 | €26,613 | ▲ 179% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet -€51,558
Net result drops to -€51,558, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 5 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Oostende · 2 establishment units since 2011
Ground area
1.2 ha
Building footprint
6,028 m²
Volume, LiDAR
39,218 m³
3 parcels, Brussels, Flanders · tallest building 54.0 m, ±17 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
2 establishment units
Jan Verbeke Producties
since 20112.200.976.421
Jan Verbeke Producties
since 20132.232.025.626
3 parcels
Flanders
2
(66.7%)
Brussels
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36502B0651/00T000 | Flanders | 7,616 m² | 1 · 5,242 m² | 8.0 m |
| 21911C0096/00F016 | Brussels | 2,446 m² | 1 · 413 m² | 24.4 m · 6 fl. |
| 35384A0089/00B033 | Flanders | 1,925 m² | 1 · 373 m² | 54.0 m · 17 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 977 companies in this sector we hold annual accounts for 704. 442 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded01-12-2010
Fiscal year end31-12
Activities, NACEBEL 2025
46431Wholesale of electrical household appliances and audio-video equipment
59114Motion picture, video and television programme production, sound recording and music publishing activities
46180Agents specialised in the wholesale of other particular products
Contact
E-mail
jan@janverbeke.beRoeselare
Phone
0486/ 23 09 50Roeselare
E-invoicing
Reachable via Peppol
Peppol ID
0208:0831523392
Also
9925:BE0831523392
Registered
10-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.