Age35 yrs
Real estate2 parcels · 6,865 m²
Summary
Conclusion
the dossier summarised in one paragraphA bankruptcy procedure is open for HAVI according to publications in the Belgian State Gazette. The 2025 annual accounts show equity of €17k and a net result of €-8k.
Based on the State Gazette, CBE and 8 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneBankruptcy opened
A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.
Insolvency timeline
1 events22-05-2026
Bankruptcy
Opening
Filing behaviour
From the deposit records, complete market-wideLatest 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. This speaks to administrative punctuality and says nothing about the financial position.
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.
Filing behaviour not assessed
The register records an open bankruptcy. From that point the trustee files and the ordinary seven-month rhythm no longer governs. The register carries no start date, so we cannot tell which filings fall before it: we show the facts and do not assess the behaviour.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 30-09. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-09-2025, that is 30-04-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-09-2025 | 30-04-2026 | 10-03-2026 | 51 d early | 2026-00051256 |
| 30-09-2024 | 30-04-2025 | 16-03-2025 | 45 d early | 2025-00049650 |
| 30-09-2023 | 30-04-2024 | 19-03-2024 | 42 d early | 2024-00045230 |
| 30-09-2022 | 30-04-2023 | 02-03-2023 | 59 d early | 2023-00034235 |
| 30-09-2021 | 30-04-2022 | 07-03-2022 | 54 d early | 2022-07200351 |
| 30-09-2020 | 30-04-2021 | 04-03-2021 | 57 d early | 2021-06900559 |
| 30-09-2019 | 30-04-2020 | 28-01-2020 | 93 d early | 2020-02400226 |
| 30-09-2018 | 30-04-2019 | 14-03-2019 | 47 d early | 2019-06900538 |
| 30-09-2017 | 30-04-2018 | 26-02-2018 | 63 d early | 2018-05400258 |
| 30-09-2016 | 30-04-2017 | 27-02-2017 | 62 d early | 2017-05100285 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsRegister: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
Turnover€56k-43.9%
EBIT margin-13.2%-16.0pp
Net result€-8k
Working capital€17k-26.1%
Directors1
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 10-03-2026 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 41.9% | 55.4% | |
| Net result | €-8k | €38k | |
| Equity | €17k | €64k | |
| Gross operating margin | €-4k | €61k | |
| Total assets | €40k | €146k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P40
Stable position over 2020-2025
· n=1438-12488
P8
Stable position over 2020-2025
· n=1438-12490
P25
Weakening position over 2020-2025
· n=1441-12496
P5
Weakening position over 2020-2025
· n=1436-12475
Describes the position versus peers, not a forecast.
€56k
-43.9%
18-25
€-6k
-
18-25
€-8k
-
18-25
€-6k
-
18-25
€40k
-40.9%
18-25
€17k
-31.0%
18-25
€17k
-26.1%
18-25
€269
-31.7%
18-25
Show 14 other metrics
€583
-42.6%
18-25
€30k
-
18-25
€23k
-46.4%
18-25
€23k
-46.4%
18-25
€112k
-22.0%
18-25
1.71
+12.9%
18-25
0.82
+26.0%
18-25
41.9%
+16.7%
18-25
1.38
-22.4%
18-25
-44.8%
-
18-25
-18.8%
-
18-25
-13.5%
-
18-25
-10.2%
-
18-25
-37.85
-
18-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | €56k |
| EBITDA | €-6k |
| Net profit | €-8k |
| Cash flow | €-6k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €40k |
| Equity | €17k |
| Debt | €23k |
| of which ≤ 1y | €23k |
| of which > 1y | - |
| Working capital | €17k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 1.71 |
| Quick ratio | 0.82 |
| Working capital ratio | 41.2% |
| Solvency | 41.9% |
| Debt / equity | 1.38 |
| Long-term debt ratio | - |
| Interest coverage | -37.85 |
| Gross margin | -8.0% |
| Net margin | -13.5% |
| ROA | -18.8% |
| ROE | -44.8% |
| EBITDA margin | -10.2% |
| Days sales outstanding | 87d |
| Days payable outstanding | 2d |
| Inventory turnover | 2.92 |
| Days inventory (DSI) | 125d |
Balance-sheet composition 2025
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €40k |
| Fixed assets | 21/28 | €284 |
| Intangible fixed assets | 21 | €284 |
| Current assets | 29/58 | €40k |
| Stocks & contracts in progress | 3 | €21k |
| Amounts receivable within one year | 40/41 | €16k |
| Cash & bank | 54/58 | €3k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €40k |
| Equity | 10/15 | €17k |
| Contributions / capital | 10/11 | €22k |
| Accumulated profits (losses) | 14 | €-5k |
| Amounts payable | 17/49 | €23k |
| Amounts payable within one year | 42/48 | €23k |
| Trade debts payable within one year | 44 | €357 |
| Income statement | ||
| Turnover | 70 | €56k |
| Gross operating margin | 9900 | €-4k |
| Operating result | 9901 | €-7k |
| Financial charges | 65 | €151 |
| Result before taxes | 9903 | €-8k |
| Net result for the period | 9904 | €-8k |
| Result to be appropriated | 9905 | €-8k |
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computed0
/ 100
Critical
Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.
Directors
Directors & mandates
1 director6 of this company's 6 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Former directors (1)
-
Hans Van ImpeDirectorState Gazette act 24098236 (01-07-2024)Former- → 31-03-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
1 mandate| Role | Name | Tenure | Source |
|---|---|---|---|
| Curator | JASPER BAERT DRUKKERIJSTRAAT 11, 9240 ZELE- |
18-05-2026 → present | Belgian State Gazette |
Legal Structure
| NACE primary | Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies(70200) |
| Legal form | Private limited company(610) |
| Incorporation | 01-02-1991 |
| Status | Active |
| Postal code | 9112 |
| First BS signal | 22-05-2026 |
| Latest BS signal | 22-05-2026 |
Structure & network
Ownership & control
No ownership or control structure found in the sources.
For this we read shareholding and parent/subsidiary relations from the acts in the Belgian State Gazette, plus the board seats that legal entities hold in one another. Nothing of the sort is published for this company, which is common: most Belgian companies do not publish a shareholding structure.
1 court or liquidation mandate is on record for this company. Such a mandate is a fact about the company itself, not about a tie to another one: two bankruptcies handled by the same receiver are two separate cases. They are listed under Directors & mandates.
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationBoshovestraat 91, 2100 Antwerpen
since 20012.051.798.933
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area6,865 m²
Buildings2
Building footprint656 m²
Volume (LiDAR)4,809 m³
Tallest building12.1 m · ±4 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
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. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
1 event from the State Gazette22-05-2026
Bankruptcy
Opening
Time machine: BS events + macro context
2021-2026Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad · acts
2 acts Capital history · 1
19-02-2024
Capital change
All acts · 2
updated 2 years ago
2024
01-07-2024 Hans Van Impe resigns as director
- Hans Van Impe, Bestuurder
19-02-2024 Restructuring of share classes
Notary:
Liesbeth Muller · Waasmunster
Analysis
Financial profile
5 of 5 axes measured20
/ 100
Fragile profile, watch health in particular.
All 5 axes are computed from data Checked has read.
Health
0
Profitability
0
Solvency
80
Growth
22
Stability
0
Credit advice
verdict per customer and amountSimilar
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Company registry
Company registry (CBE)
Crossroads BankActivities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige adviesbureaus op het gebied van bedrijfsvoering en beheer74142
Primary activity highlighted.
Names & trade names
| Legal nameNL | HAVI |
Registered office
Wijnveld 21C
9112 Sint-Niklaas, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.