Havensteder
ActiveSummary
The computed 12-month bankruptcy probability of Havensteder is 6.0% (elevated). The 2024 annual accounts show negative equity (-€136,155) and a net result of -€103,028. Equity is shrinking by ~96.6% per year across the filed fiscal years. Its solvency ranks better than 5% of 18934 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-100
Solvency0=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
6.0%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.15 against 0.05 in 2023; short-term debt: 431.2% and cash: 14% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · 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
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
-331.2%
Return on assets
-250.6%
Age of the figures
21 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
192021222324
2019 to 2024 · latest year -€136,155
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
50 d late
2022
on the day
2021
30 d late
2020
9 d early
2019
63 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 33 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
-€136,155▼ 311%
2023 · -€33,127
Total assets
€41,115▼ 48.8%
2023 · €80,251
Net result
-€103,028
2023 · €30,718
Working capital
-€150,063▼ 39.2%
2023 · -€107,801
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€25,346▼ 248%€46,685-€81,003€34,336-€98,632
Net result-€27,050below the sector's middle half▼ 226%€44,366above the sector's middle half-€85,354below the sector's middle half€30,718above the sector's middle half-€103,028below the sector's middle half
Equity-€22,857below the sector's middle half€21,509within the sector's middle half-€63,845below the sector's middle half-€33,127below the sector's middle half▲ 48.1%-€136,155below the sector's middle half▼ 311%
Total assets€117,453within the sector's middle half▼ 4.0%€221,256above the sector's middle half▲ 88.4%€110,490within the sector's middle half▼ 50.1%€80,251within the sector's middle half▼ 27.4%€41,115below the sector's middle half▼ 48.8%
Debt€140,310▲ 18.7%€199,747▲ 42.4%€174,335▼ 12.7%€113,379▼ 35.0%€177,271▲ 56.4%
Working capital-€129,815below the sector's middle half▼ 15.9%-€84,306below the sector's middle half▲ 35.1%-€142,674below the sector's middle half▼ 69.2%-€107,801below the sector's middle half▲ 24.4%-€150,063below the sector's middle half▼ 39.2%
Solvency-19.5%below the sector's middle half▼ 22.9pp9.7%within the sector's middle half▲ 29.2pp-57.8%below the sector's middle half▼ 67.5pp-41.3%below the sector's middle half▲ 16.5pp-331.2%below the sector's middle half▼ 289.9pp
Current ratio0.07below the sector's middle half▲ 0.020.58within the sector's middle half▲ 0.500.12below the sector's middle half▼ 0.460.05below the sector's middle half▼ 0.070.15below the sector's middle half▲ 0.10
Return on assets (ROA)-23.0%below the sector's middle half▼ 16.2pp20.1%within the sector's middle half▲ 43.1pp-77.3%below the sector's middle half▼ 97.3pp38.3%above the sector's middle half▲ 115.5pp-250.6%below the sector's middle half▼ 288.9pp
Staff (FTE)2.6within the sector's middle half▲ 85.7%7.3▲ 181%6.3▼ 13.7%3.8▼ 39.7%2.8▼ 26.3%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €98,632 after €34,336 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €41,115
Fixed assets
€13,908 ▼ 81.4%
Current assets
€27,208 ▲ 388%
Key figures and ratios
EBITDA
-€93,225▼
2023 · €51,824
Cash flow
-€97,621▼
2023 · €48,205
Quick ratio
0.15▲
2023 · 0.03
Debt to equity
-1.30▲
2023 · -3.42
Interest coverage
-20.65▼
2023 · 14.32
Debt ≤ 1 year
€177,271▲
2023 · €113,379
Staff costs
€88,346▼
2023 · €125,065
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,010 companies that looked in July 2024 the way this one looks now, 7.9% went bankrupt within 24 months and 83% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a loss of 10% of the balance sheet or more
7.9%
went bankrupt
8.4%
stopped otherwise
83%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 6.0% 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 497,338 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% | 1.9% |
| 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 6,010 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €189,625 | - |
| Remuneration, social security and pensions62 | - | €93,282 | €157,758 | €125,065 | €88,346 | ▼ 29.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,457 | €13,826 | €17,391 | €17,488 | €5,408 | ▼ 69.1% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €143,360 | - |
| Other operating charges640/8 | - | €5,558 | €7,733 | €8,268 | €8,396 | ▲ 1.6% |
| Non-recurring operating charges66A | - | - | - | - | €256 | - |
| Gross operating margin9900 | €33,286 | €159,351 | €101,878 | €185,157 | €147,133 | ▼ 20.5% |
| Operating profit (loss)9901 | -€25,346 | €46,685 | -€81,003 | €34,336 | -€98,632 | ▼ 387% |
| Financial income75/76B | - | - | €0 | €0 | €118 | ▲ 147,238% |
| Recurring financial income75 | €166 | - | €0 | €0 | €118 | ▲ 147,238% |
| Financial charges65/66B | - | €2,319 | €4,350 | €3,619 | €4,514 | ▲ 24.7% |
| Recurring financial charges65 | €1,869 | €2,319 | €4,350 | €3,619 | €4,514 | ▲ 24.7% |
| Profit (loss) for the period before taxes9903 | -€27,050 | €44,366 | -€85,354 | €30,718 | -€103,028 | ▼ 435% |
| Profit (loss) for the period9904 | -€27,050 | €44,366 | -€85,354 | €30,718 | -€103,028 | ▼ 435% |
| Profit (loss) for the period to be appropriated9905 | -€27,050 | €44,366 | -€85,354 | €30,718 | -€103,028 | ▼ 435% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €117,453 | €221,256 | €110,490 | €80,251 | €41,115 | ▼ 48.8% |
| Fixed assets21/28 | €106,957 | €105,814 | €91,361 | €74,674 | €13,908 | ▼ 81.4% |
| Intangible fixed assets21 | €94,875 | €83,375 | €71,875 | €60,375 | - | - |
| Tangible fixed assets22/27 | €5,518 | €15,555 | €12,602 | €7,415 | €7,023 | ▼ 5.3% |
| Plant, machinery and equipment23 | - | €13,887 | €11,567 | €6,365 | €2,202 | ▼ 65.4% |
| Furniture and vehicles24 | - | €1,668 | €1,035 | €1,050 | €4,821 | ▲ 359% |
| Financial fixed assets28 | €6,564 | €6,884 | €6,884 | €6,884 | €6,884 | = |
| Current assets29/58 | €10,495 | €115,441 | €19,129 | €5,577 | €27,208 | ▲ 388% |
| Stocks and contracts in progress3 | €1,502 | €1,946 | €2,921 | €2,594 | €1,427 | ▼ 45.0% |
| Stocks30/36 | - | €1,946 | €2,921 | €2,594 | €1,427 | ▼ 45.0% |
| Amounts receivable within one year40/41 | €3,639 | €106,097 | €7,672 | €262 | €12,284 | ▲ 4,590% |
| Trade receivables40 | - | €41,837 | €7,383 | - | €1,283 | - |
| Other amounts receivable41 | - | €64,261 | €290 | €262 | €11,002 | ▲ 4,100% |
| Cash at bank and in hand54/58 | €5,142 | €7,398 | €6,499 | €242 | €5,775 | ▲ 2,288% |
| Deferred charges and accrued income490/1 | - | - | €2,037 | €2,479 | €7,722 | ▲ 211% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €117,453 | €221,256 | €110,490 | €80,251 | €41,115 | ▼ 48.8% |
| Equity10/15 | -€22,857 | €21,509 | -€63,845 | -€33,127 | -€136,155 | ▼ 311% |
| Contributions10/11 | - | €12,500 | €12,500 | €12,500 | €12,500 | = |
| Reserves13 | - | €9,009 | €9,009 | €9,009 | €9,009 | = |
| Distributable reserves133 | - | €9,009 | €9,009 | €9,009 | €9,009 | = |
| Profit (loss) carried forward14 | -€35,357 | - | -€85,354 | -€54,636 | -€157,664 | ▼ 189% |
| Amounts payable17/49 | €140,310 | €199,747 | €174,335 | €113,379 | €177,271 | ▲ 56.4% |
| Amounts payable within one year42/48 | €140,310 | €199,747 | €161,803 | €113,379 | €177,271 | ▲ 56.4% |
| Trade debts44 | €3,976 | €19,905 | €30,760 | €10,526 | €55,676 | ▲ 429% |
| Suppliers440/4 | - | €19,905 | €30,760 | €10,526 | €55,676 | ▲ 429% |
| Advances received on contracts in progress46 | - | €44,560 | - | €798 | - | - |
| Taxes, remuneration and social security45 | - | €19,817 | €30,484 | €19,568 | €34,239 | ▲ 75.0% |
| Taxes450/3 | - | €3,862 | €369 | - | €15,871 | - |
| Remuneration and social security454/9 | - | €15,955 | €30,115 | €19,568 | €18,369 | ▼ 6.1% |
| Other amounts payable47/48 | - | €115,464 | €100,559 | €82,487 | €87,356 | ▲ 5.9% |
| Accrued charges and deferred income492/3 | - | - | €12,532 | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€27,050 | €44,366 | -€85,354 | €30,718 | -€103,028 | ▼ 435% |
| + Depreciation and write-downs630 | €12,457 | €13,826 | €17,391 | €17,488 | €5,408 | ▼ 69.1% |
| Operating cash flow (approximation) | -€14,593 | €58,193 | -€67,962 | €48,205 | -€97,621 | ▼ 303% |
| Investment in fixed assets (approximation) | - | -€12,683 | -€2,938 | -€801 | €55,359 | ▲ 7,015% |
| Change in cash | - | €2,256 | -€898 | -€6,258 | €5,533 | ▲ 188% |
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet -€103,028
Net result drops to -€103,028, the lowest in the series.
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 50 days late
2023
31-12
Financial
Back to profitnet €30,718
Net result €30,718 after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Back to profitnet €44,366
Net result €44,366 after 2 loss-making years.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 63 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Eeklo · 2 establishment units since 2021
Ground area
4,537 m²
Building footprint
1,661 m²
Volume, LiDAR
3,280 m³
3 parcels, Flanders · tallest building 12.2 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
2 establishment units
Hotel Relax Gent
since 20212.322.548.204
K.F.C. EEKLO
since 20252.370.073.650
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43005B0545/00Z000 | Flanders | 3,409 m² | 1 · 1,140 m² | - |
| 43005D0595/00Y002 | Flanders | 608 m² | 1 · 241 m² | 12.2 m · 2 fl. |
| 44452B0411/00A003 | Flanders | 520 m² | 1 · 280 m² | 11.5 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLievegem2.322.548.204
Similar companies · same sector, comparable size
PENDA TECHNOLOGIES
BE 0848.721.294
Brussel · Eq €21,715
NOCTEM
BE 0455.533.576
Ciney · Eq €19,853
BORË CONCEPT
BE 0466.173.387
La Louvière · Eq €19,392
SRL116
BE 0718.708.632
Brussel · Eq €19,003
MB SUPPORT
BE 0841.030.580
Hasselt · Eq €24,420
Of 333 companies in sector 56302 we hold annual accounts for 169. 116 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-07-2018
Fiscal year end31-12
Activities, NACEBEL 2025
55900Accommodation
56302Nightclubs
55203Holiday cottages, homes and apartments
55204Guest rooms (bed and breakfast)
56112Limited-service restaurants, excluding mobile food services
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0699920524
Also
9925:BE0699920524
Registered
10-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.