HAVERBO
ActiveHAVERBO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €89k and a net result of €16k. Equity is growing by ~34.8% per year across the filed fiscal years. Its solvency ranks better than 79% of 9863 sector peers (fiscal year 2024). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
33 d early
2022
27 d early
2021
23 d early
2020
16 d early
2019
32 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€89k▲ 21.4%
2023 · €73k
2018: €701
2019: €14k
2020: €29k
2021: €43k
2022: €59k
2023: €73k
2018 → 2024
Net result
€16k▲ 9.8%
2023 · €14k
2018: €13k
2019: €13k
2020: €15k
2021: €14k
2022: €16k
2023: €14k
2018 → 2024
Total assets
€108k▲ 16.5%
2023 · €93k
2018: €30k
2019: €43k
2020: €65k
2021: €78k
2022: €88k
2023: €93k
2018 → 2024
Solvency
82.2%▲ 3.3pp
2023 · 78.9%
2018: 2.3%
2019: 31.6%
2020: 44.0%
2021: 54.4%
2022: 66.8%
2023: 78.9%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€29k-€43k▲ 48.4%€59k▲ 37.8%€73k▲ 24.2%€89k▲ 21.4%
Operating result€21k-€22k▲ 5.7%€25k▲ 12.5%€22k▼ 10.8%€24k▲ 7.2%
Net result€15k-€14k▼ 7.7%€16k▲ 15.9%€14k▼ 11.6%€16k▲ 9.8%
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 recovers in 2024; 2024 is 7% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €108k
Equity
€89k▲ 21.4%
Debt
€19k▼ 1.7%
The debt ratio falls from 21.1% to 17.8%: equity grows while debt is paid down.
Key figures and ratios
Solvency
82.2%▲
2023 · 78.9%
ROE
17.6%▼
2023 · 19.5%
ROA
14.5%▼
2023 · 15.4%
Debt
€19k▼
2023 · €20k
Debt ≤ 1 year
€19k▲
2023 · €10k
Debt > 1 year
€0▼
2023 · €9k
Income taxes
€8k▲
2023 · €7k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€93k€108k▲
Current assets29/58€93k€108k▲
Amounts receivable within one year40/41€62k€90k▲
Trade receivables40€22k€31k▲
Other amounts receivable41€40k€59k▲
Cash at bank and in hand54/58€30k€18k▼
Deferred charges and accrued income490/1€468€466▼
Equity and liabilities
Total equity and liabilities10/49€93k€108k▲
Equity10/15€73k€89k▲
Contributions10/11€19k€19k=
Reserves13€54k€70k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€54k€70k▲
Amounts payable17/49€20k€19k▼
Amounts payable after more than one year17€9k€0▼
Financial debts170/4€9k€0▼
Amounts payable within one year42/48€10k€19k▲
Trade debts44€288€279▼
Suppliers440/4€288€279▼
Taxes, remuneration and social security45€9k€19k▲
Taxes450/3€9k€19k▲
Accrued charges and deferred income492/3€384€0▼
Income statement
Code20232024
Other operating charges640/8€804€569▼
Gross operating margin9900€23k€25k▲
Operating profit (loss)9901€22k€24k▲
Financial income75/76B€0€147▲
Recurring financial income75€0€147▲
Financial charges65/66B€770€168▼
Recurring financial charges65€770€168▼
Profit (loss) for the period before taxes9903€22k€24k▲
Income taxes67/77€7k€8k▲
Profit (loss) for the period9904€14k€16k▲
Profit (loss) for the period to be appropriated9905€14k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€16k▲
Transfer to equity691/2€14k€16k▲
To other reserves6921€14k€16k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €16k ▲15.9%
Operating result €25k, net result €16k, both a record.
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Liquidity triplescurrent ratio 269.89
Current ratio from 107.75 to 269.89; short-term debt falls from €282 to €126.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
20-07
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
1 director, no change since 2023
VERBOVEN Hans
CurrentNon-statutory director · since 11-12-2023
11-12-2023
Appointed as Non-statutory director
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2000
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.
Verschansingstraat 402000 AntwerpenGround area
248 m²
Building footprint
248 m²
Volume, LiDAR
2,771 m³
Parcel 11811L3672/00E003, Flanders · tallest building 16.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Verschansingstraat 40, 2000 Antwerpen
since 20002.075.610.156
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3672/00E003 | Flanders | 248 m² | 1 · 248 m² | 16.0 m · 4 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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Ofinco
BE 0640.755.373
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BVS Consultas
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Lucanin
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 11,985 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-1995
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.