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HAVKER CONSTRUCT

Active
Private limited companyfounded 20206 yrs activeCamille Leunensstraat 4, 1600 Sint-Pieters-Leeuw, BelgiumKBO/BCE: BE 0743.655.646
Summary

HAVKER CONSTRUCT has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35,232 and a net result of -€11,789. Equity is growing by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 28% of 32341 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Risk analysisWatch ReportCompare
HAVKER CONSTRUCTActiveChecked score 64/100
Risk analysis ReportCompare

Overview

Activity
Other specialised construction activities
NACE 43990NACE 43999
1 site
Size
€134,291total assets 2025
Staff
1 FTE
Equity
€35,232
Loss
-€11,789
Turnover not published (abridged schema)
Financial health
64 Healthy Checked score 2025
Bankruptcy chance 12 m
1.2%
Structure
Accounts filed 31 d late0 of 4 deeds read
Why 64- Latest accounts 31 days late; 1 of the last 3 late- Loss of €11,789 (FY 2025)- Sector Specialised construction activities (NACE 43)+ Liquidity: current ratio 1.48, cash €40,834Show the evidence

Checked score

Score 2025
64 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 25% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 51-22
equity 26.2% of total assets
Liquidity 53+20
short-term debt 66.5% · cash 30.4%
Profitability 8-81
return on assets -8.8%
Bankruptcy probability, 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,046 companies)
Last 24 months 11-2024: 2.1% 12-2024: 2.1%● 0.0% vs 11-2024 01-2025: 2.0%▼ -1.7% vs 12-2024 02-2025: 2.0%▼ -0.2% vs 01-2025 03-2025: 2.0%▲ +1.2% vs 02-2025 04-2025: 2.1%▲ +1.7% vs 03-2025 05-2025: 2.2%▲ +4.2% vs 04-2025 06-2025: 2.2%▲ +2.3% vs 05-2025highest value 07-2025: 2.2%▼ -0.4% vs 06-2025 08-2025: 1.8%▼ -17.8% vs 07-2025 09-2025: 1.8%▲ +1.0% vs 08-2025 10-2025: 1.8%▼ -2.9% vs 09-2025 11-2025: 1.8%● 0.0% vs 10-2025 12-2025: 1.8%● 0.0% vs 11-2025 01-2026: 1.7%▼ -2.2% vs 12-2025 02-2026: 1.7%▼ -2.0% vs 01-2026 03-2026: 1.7%▼ -0.5% vs 02-2026 04-2026: 1.7%▲ +2.2% vs 03-2026 05-2026: 1.4%▼ -16.5% vs 04-2026 06-2026: 1.4%▼ -2.1% vs 05-2026 07-2026: 1.5%▲ +2.8% vs 06-2026 08-2026: 2.0%▲ +40.8% vs 07-2026 09-2026: 1.2%▼ -41.7% vs 08-2026lowest value 10-2026: 1.2%● 0.0% vs 09-2026lowest value
  • Liquidity: current ratio 1.48, cash €40,834 lowers the probability
  • Latest accounts 31 days late; 1 of the last 3 late raises the probability
  • Loss of €11,789 (FY 2025) raises the probability
  • Sector Specialised construction activities (NACE 43) raises the probability
Credit up to €2,000 at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.86 in 2024; short-term debt: 66.5% and cash: 30.4% of total assets), and 73.8% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 27%, liquidity 48%, profitability 11%, growth against the median 16%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 1.48, cash €40,834
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Latest accounts 31 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Loss of €11,789 (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 filings
Deviation from the deadline
2025
31 d late
2024
28 d early
2023
64 d early
2022
63 d late
2021
51 d late
2020
39 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 15 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 31 August (4 of the last 5 filed years within 59 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Back to profitnet €15,995

Key points

  • Caution: Among the weakest 11% on net resultsector median €10,073 · 32,329 companies -€11,789 View
  • Total assets 20256 fiscal years filed €134,291 View
  • Active since 2020founded 14-02-2020 6 years View

By topic

Financials

Fiscal year
2025
Total assets
€134,291
Loss
-€11,789
Solvency
26.2%
Total assets▲ 36.9%
Net result
20202025
Go to Financials

Timeline

Events
10
Since
2021
Next accounts
by 31-07-2027
  1. 31-08-2026Annual accounts filed
  2. 03-07-2025Annual accounts filed
  3. 31-12-2024Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other specialised construction activitiesNACE 43990
Founded
14-02-2020
Year ends
31-12
Peppol
No longer on Peppol
Go to Company details

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