HAVI
Open bankruptcyA bankruptcy procedure is open for HAVI according to publications in the Belgian State Gazette; curator: JASPER BAERT.
Summary
The 2025 annual accounts show equity of €16,884 and a net result of -€7,570.
Are you a creditor?
Open bankruptcy
Source: Belgian Official Gazette
If this company owes you money, you are not paid automatically: you file your claim yourself, within the deadline the judgment sets.
The procedure
- Court
- Enterprise Court of Ghent, Dendermonde division
- Declared bankrupt
- 18 May 2026
- Supervising judge
- Peter Focke
- Official Gazette
- 22-05-2026 (pdf) ↗search the document for 2026/122159
Deadlines
- Provisional date payments stopped
- 18 May 2026A later judgment can change the date.art. XX.105 CEL
- Appeal or third-party opposition until
- passed on 6 June 2026Fifteen days after the publication in the Official Gazette.art. XX.108 CEL
- File the claim in RegSol until
- passed on 17 June 2026art. XX.104 and XX.155 CEL
- First verification report
- passed on 26 June 2026Goods that belong to you, such as those delivered under retention of title, are reclaimed before this day.art. XX.104 and XX.194 CEL
- Late claim until
- 18 May 2027Late, you share only in what has not been paid out yet, and the costs are yours.art. XX.165 CEL
Curator
- Jasper BaertDrukkerijstraat 11, 9240 Zelejasper.baert@flexbusinessattorneys.be
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
The deadlines above come from the publication of the judgment. Check them in RegSol before you file anything; a passed deadline no longer applies.
File a claim in RegSol ↗
Watch
Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help.Creditor guide for this company
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 10-03-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
45 d early
2023
42 d early
2022
59 d early
2021
54 d early
2020
57 d early
2019
93 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 57 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
29-09-2026 today30-09-2026 close30-04-2027 deadline
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Is the registered address a letterbox address or a business centre?Addresses Are there other customers at risk in your own list?List enrichment How is the Business and other management consultancy sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Turnover
€56,026▼ 43.9%
2024 · €99,788
EBIT margin
-13.2%▼ 16.0pp
2024 · 2.8%
Net result
-€7,570
2024 · €2,419
Working capital
€16,600▼ 26.1%
2024 · €22,466
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy 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
Line20212022202320242025
Turnover€396,231▲ 14.1%€297,917▼ 24.8%€296,851▼ 0.4%€99,788▼ 66.4%€56,026▼ 43.9%
Operating result€34,007-€45,697€31,095€2,776▼ 91.1%-€7,419
Net result€33,064within the sector's middle half-€49,125below the sector's middle half€27,596within the sector's middle half€2,419below the sector's middle half▼ 91.2%-€7,570below the sector's middle half
EBIT margin8.6%▲ 15.8pp-15.3%▼ 23.9pp10.5%▲ 25.8pp2.8%▼ 7.7pp-13.2%▼ 16.0pp
Equity€155,650within the sector's middle half▲ 27.0%€106,525within the sector's middle half▼ 31.6%€134,121within the sector's middle half▲ 25.9%€24,454below the sector's middle half▼ 81.8%€16,884below the sector's middle half▼ 31.0%
Total assets€301,560within the sector's middle half▲ 25.2%€373,516within the sector's middle half▲ 23.9%€353,312within the sector's middle half▼ 5.4%€68,066below the sector's middle half▼ 80.7%€40,255below the sector's middle half▼ 40.9%
Debt€145,910▲ 23.4%€266,991▲ 83.0%€219,191▼ 17.9%€43,612▼ 80.1%€23,371▼ 46.4%
Working capital€117,124within the sector's middle half▲ 37.1%€46,707within the sector's middle half▼ 60.1%€69,660within the sector's middle half▲ 49.1%€22,466within the sector's middle half▼ 67.7%€16,600within the sector's middle half▼ 26.1%
Solvency51.6%within the sector's middle half▲ 0.7pp28.5%within the sector's middle half▼ 23.1pp38.0%within the sector's middle half▲ 9.4pp35.9%within the sector's middle half▼ 2.0pp41.9%within the sector's middle half▲ 6.0pp
Current ratio2.09within the sector's middle half▼ 0.291.38within the sector's middle half▼ 0.721.65within the sector's middle half▲ 0.271.52within the sector's middle half▼ 0.131.71within the sector's middle half▲ 0.20
Return on assets (ROA)11.0%within the sector's middle half▲ 21.9pp-13.2%below the sector's middle half▼ 24.1pp7.8%within the sector's middle half▲ 21.0pp3.6%within the sector's middle half▼ 4.3pp-18.8%below the sector's middle half▼ 22.4pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy 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 2025: a loss of €7,419 after €2,776 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €40,255
Fixed assets
€284 ▼ 85.7%
Current assets
€39,971 ▼ 39.5%
Equity and liabilities €40,255
Equity
€16,884 ▼ 31.0%
Debt
€23,371 ▼ 46.4%
Debt's share of the balance-sheet total falls from 64.1% to 58.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€5,715▼
2024 · €6,170
Cash flow
-€5,866▼
2024 · €5,813
Quick ratio
0.82▲
2024 · 0.65
Debt to equity
1.38▼
2024 · 1.78
ROE
-44.8%▼
2024 · 9.9%
Interest coverage
-37.85▼
2024 · 17.28
Debt ≤ 1 year
€23,371▼
2024 · €43,612
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €396,231 | €297,917 | €296,851 | €99,788 | €56,026 | ▼ 43.9% |
| Non-recurring operating income76A | - | - | €35,204 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €303,741 | €269,253 | €90,522 | €60,519 | ▼ 33.1% |
| Remuneration, social security and pensions62 | - | €394 | - | €269 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €37,407 | €34,264 | €27,580 | €3,394 | €1,704 | ▼ 49.8% |
| Other operating charges640/8 | - | €5,215 | €4,127 | €2,827 | €1,222 | ▼ 56.8% |
| Gross operating margin9900 | €75,476 | -€5,824 | €62,802 | €9,266 | -€4,493 | ▼ 148% |
| Operating profit (loss)9901 | €34,007 | -€45,697 | €31,095 | €2,776 | -€7,419 | ▼ 367% |
| Recurring financial income75 | €277 | - | - | - | - | - |
| Financial charges65/66B | - | €3,428 | €3,499 | €357 | €151 | ▼ 57.7% |
| Recurring financial charges65 | €1,220 | €3,428 | €3,109 | €357 | €151 | ▼ 57.7% |
| Non-recurring financial charges66B | - | - | €390 | - | - | - |
| Profit (loss) for the period before taxes9903 | €33,064 | -€49,125 | €27,596 | €2,419 | -€7,570 | ▼ 413% |
| Profit (loss) for the period9904 | €33,064 | -€49,125 | €27,596 | €2,419 | -€7,570 | ▼ 413% |
| Profit (loss) for the period to be appropriated9905 | €33,064 | -€49,125 | €27,596 | €2,419 | -€7,570 | ▼ 413% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €301,560 | €373,516 | €353,312 | €68,066 | €40,255 | ▼ 40.9% |
| Fixed assets21/28 | €77,464 | €202,933 | €176,026 | €1,988 | €284 | ▼ 85.7% |
| Intangible fixed assets21 | €5,849 | €8,171 | €5,382 | €1,988 | €284 | ▼ 85.7% |
| Tangible fixed assets22/27 | €71,615 | €194,762 | €170,644 | - | - | - |
| Land and buildings22 | - | €161,848 | €154,073 | - | - | - |
| Furniture and vehicles24 | - | €32,914 | €16,571 | - | - | - |
| Current assets29/58 | €224,096 | €170,583 | €177,286 | €66,078 | €39,971 | ▼ 39.5% |
| Stocks and contracts in progress3 | €127,118 | €66,056 | €28,523 | €37,622 | €20,755 | ▼ 44.8% |
| Stocks30/36 | - | €66,056 | €28,523 | €37,622 | €20,755 | ▼ 44.8% |
| Amounts receivable within one year40/41 | €30,411 | - | €25,768 | €16,400 | €15,926 | ▼ 2.9% |
| Trade receivables40 | - | - | €25,768 | €15,372 | €13,302 | ▼ 13.5% |
| Other amounts receivable41 | - | - | - | €1,028 | €2,624 | ▲ 155% |
| Cash at bank and in hand54/58 | €66,297 | €104,137 | €122,995 | €12,056 | €3,290 | ▼ 72.7% |
| Deferred charges and accrued income490/1 | - | €390 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €301,560 | €373,516 | €353,312 | €68,066 | €40,255 | ▼ 40.9% |
| Equity10/15 | €155,650 | €106,525 | €134,121 | €24,454 | €16,884 | ▼ 31.0% |
| Contributions10/11 | €68,466 | €68,466 | €68,466 | €22,035 | €22,035 | = |
| Reserves13 | €14,120 | €14,120 | €14,120 | - | - | - |
| Non-distributable reserves130/1 | - | €6,847 | €6,847 | - | - | - |
| Reserves not available under the articles1311 | - | €6,847 | €6,847 | - | - | - |
| Tax-exempt reserves132 | - | €4,076 | €4,076 | - | - | - |
| Distributable reserves133 | - | €3,197 | €3,197 | - | - | - |
| Profit (loss) carried forward14 | €73,064 | €23,939 | €51,535 | €2,419 | -€5,151 | ▼ 313% |
| Amounts payable17/49 | €145,910 | €266,991 | €219,191 | €43,612 | €23,371 | ▼ 46.4% |
| Amounts payable after more than one year17 | €38,938 | €143,115 | €111,565 | - | - | - |
| Financial debts170/4 | - | €142,879 | €111,565 | - | - | - |
| Other amounts payable178/9 | - | €236 | - | - | - | - |
| Amounts payable within one year42/48 | €106,972 | €123,876 | €107,626 | €43,612 | €23,371 | ▼ 46.4% |
| Current portion of amounts payable after more than one year42 | - | €31,888 | €33,753 | €1,053 | - | - |
| Trade debts44 | €12,526 | €10,516 | €3,446 | €2,685 | €357 | ▼ 86.7% |
| Suppliers440/4 | - | €10,516 | €3,446 | €2,685 | €357 | ▼ 86.7% |
| Taxes, remuneration and social security45 | - | €77,241 | €61,596 | €39,874 | €21,961 | ▼ 44.9% |
| Taxes450/3 | - | €77,241 | €59,196 | €39,874 | €21,961 | ▼ 44.9% |
| Remuneration and social security454/9 | - | - | €2,400 | - | - | - |
| Other amounts payable47/48 | - | €4,231 | €8,831 | - | €1,053 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €33,064 | -€49,125 | €27,596 | €2,419 | -€7,570 | ▼ 413% |
| + Depreciation and write-downs630 | €37,407 | €34,264 | €27,580 | €3,394 | €1,704 | ▼ 49.8% |
| Operating cash flow (approximation) | €70,471 | -€14,861 | €55,176 | €5,813 | -€5,866 | ▼ 201% |
| Investment in fixed assets (approximation) | - | -€159,733 | -€673 | €170,644 | €0 | ▼ 100% |
| Change in cash | - | €37,840 | €18,858 | -€110,939 | -€8,766 | ▲ 92.1% |
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
22-05
Bankruptcy
Opening
Ondernemingsrechtbank Gent, afdeling Dendermonde · event 18-05-2026
10-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €27,596
Net result €27,596 after one loss-making year.
02-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet -€49,125
Net result drops to -€49,125, the lowest in the series.
07-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €33,064
Net result €33,064 after one loss-making year.
30-09
Financial
Equity above €150,000Eq €155,650 ▲27%
Equity rises from €122,586 to €155,650.
04-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
14-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
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Directors · office · real estate
Directors
6 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, Sint-Niklaas · 1 establishment unit since 2001
Ground area
6,865 m²
Building footprint
656 m²
Volume, LiDAR
4,809 m³
2 parcels, Flanders · tallest building 12.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Boshovestraat 91, 2100 Antwerpen
since 20012.051.798.933
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46019B1131/00C000 | Flanders | 6,500 m² | 1 · 463 m² | 7.9 m · 2 fl. |
| 11344A0537/00X008 | Flanders | 365 m² | 1 · 193 m² | 12.1 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | JASPER BAERT DRUKKERIJSTRAAT 11, 9240 ZELE- |
18-05-2026 → present |
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Of 82,646 companies in sector 70200 we hold annual accounts for 52,627. 28,789 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
Founded01-02-1991
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0443492512
Registered
01-06-2026
The company is no longer active; its Peppol card can remain until its access point withdraws it.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.