Havenzijde
ActiveHavenzijde has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.14M and a net result of €-3k. Equity is growing by ~22.8% per year across the filed fiscal years. Its solvency ranks better than 34% of 2272 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability22▼-30
Solvency49▼-6
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.43 in 2024; short-term debt: 75.8% and cash: 25.5% of total assets), and 75.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 13-01-2026, 18 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
18 d early
2024
85 d early
2023
72 d early
2022
83 d early
2021
32 d early
2020
102 d early
2019
21 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.14M▼ 0.3%
2024 · €1.15M
2019: €334k
2020: €506k
2021: €522k
2022: €611k
2023: €920k
2024: €1.15M
2019 → 2025
Total assets
€4.72M▲ 23.9%
2024 · €3.81M
2019: €1.90M
2020: €2.77M
2021: €3.27M
2022: €3.07M
2023: €3.81M
2024: €3.81M
2019 → 2025
Net result
€-3k
2024 · €226k
2019: €425k
2020: €172k
2021: €316k
2022: €89k
2023: €309k
2024: €226k
2019 → 2025
Working capital
€1.14M▼ 0.5%
2024 · €1.14M
2019: €361k
2020: €860k
2021: €521k
2022: €1.06M
2023: €1.17M
2024: €1.14M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€522k-€611k▲ 17.1%€920k▲ 50.6%€1.15M▲ 24.5%€1.14M▼ 0.3%
Operating result€399k-€124k▼ 68.8%€430k▲ 245%€343k▼ 20.1%€28k▼ 92.0%
Net result€316k-€89k▼ 71.8%€309k▲ 246%€226k▼ 26.9%€-3k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 92% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.72M
Fixed assets
€4k▲ 199%
Current assets
€4.72M▲ 23.9%
Equity and liabilities €4.72M
Equity
€1.14M▼ 0.3%
Debt
€3.58M▲ 34.3%
The debt ratio rises from 69.9% to 75.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€28k
Cash flow
€-3k
Solvency
24.2%▼
2024 · 30.1%
Current ratio
1.32▼
2024 · 1.43
Quick ratio
0.36▲
2024 · 0.31
Debt / equity
3.13▲
2024 · 2.33
ROE
-0.3%▼
2024 · 19.7%
ROA
-0.1%▼
2024 · 5.9%
Interest coverage
0.45
Debt
€3.58M▲
2024 · €2.67M
Debt ≤ 1 year
€3.58M▲
2024 · €2.67M
Income taxes
€10k▼
2024 · €86k
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€3.81M€4.72M▲
Fixed assets21/28€2k€4k▲
Tangible fixed assets22/27-€3k
Furniture and vehicles24-€3k
Financial fixed assets28€2k€2k=
Current assets29/58€3.81M€4.72M▲
Stocks and contracts in progress3€3.00M€3.42M▲
Stocks30/36€0-
Contracts in progress37€3.00M€3.42M▲
Amounts receivable within one year40/41€57k€96k▲
Trade receivables40€57k€21k▼
Other amounts receivable41€0€76k▲
Cash at bank and in hand54/58€757k€1.21M▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€3.81M€4.72M▲
Equity10/15€1.15M€1.14M▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€1.08M€1.07M▼
Amounts payable17/49€2.67M€3.58M▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€2.67M€3.58M▲
Current portion of amounts payable after more than one year42€295k€71k▼
Financial debts43-€782k
Credit institutions430/8-€782k
Trade debts44€767k€81k▼
Suppliers440/4€767k€81k▼
Advances received on contracts in progress46€1.24M€2.56M▲
Taxes, remuneration and social security45€15k€42k▲
Taxes450/3€15k€42k▲
Other amounts payable47/48€346k€48k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€201
Other operating charges640/8€4k€3k▼
Gross operating margin9900€347k€31k▼
Operating profit (loss)9901€343k€28k▼
Financial income75/76B€33k€40k▲
Recurring financial income75€33k€40k▲
Financial charges65/66B€64k€61k▼
Recurring financial charges65€64k€61k▼
Profit (loss) for the period before taxes9903€312k€7k▼
Income taxes67/77€86k€10k▼
Profit (loss) for the period9904€226k€-3k▼
Profit (loss) for the period to be appropriated9905€226k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.08M€1.07M▼
Profit (loss) brought forward from the previous period14P€852k€1.08M▲
Transfer to equity691/2€0-
To contributions691€0-
To the legal reserve6920€0-
The notes to these accounts (8 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
13-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Weakest financial yearnet €-3k ▼101%
Net result drops to €-3k, the lowest in the series.
2024
07-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Equity above €1MEq €1.15M ▲24.5%
6 profitable years in a row build equity to €1.15M.
2023
20-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
09-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
21-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Equity above €500kEq €506k ▲51.4%
2 profitable years in a row build equity to €506k.
10-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
10-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Deinze · 1 establishment unit since 2016
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.
Tweekoningenstraat 109800 DeinzeGround area
4,450 m²
Building footprint
261 m²
Volume, LiDAR
955 m³
Parcel 44006B0244/00D000, Flanders · tallest building 8.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Havenzijde
since 20162.260.457.910
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44006B0244/00D000 | Flanders | 4,450 m² | 1 · 261 m² | 8.4 m · 1 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.
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 4,292 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded12-12-2016
Fiscal year end30-06
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.