HÄVN
ActiveThe computed 12-month bankruptcy probability of HÄVN is 8.1% (elevated). The 2025 annual accounts show negative equity (€-42k) and a net result of €-16k. Equity is shrinking by ~50% per year across the filed fiscal years. Its solvency ranks better than 15% of 13044 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
7
/ 100
Critical▼ -9 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency35▼-1
Growth32▼-26
Stability94
Bankruptcy probability, 12 months
8.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.59 against 0.62 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-44.8%
Return on assets
-16.8%
Age of the figures
8 mo
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year -€42k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
28 d early
2024
28 d late
2023
58 d early
2022
21 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-42k▼ 60.1%
2024 · €-26k
2022: €4k
2023: €-35k
2024: €-26k
2022 → 2025
Total assets
€94k▼ 0.6%
2024 · €95k
2022: €106k
2023: €88k
2024: €95k
2022 → 2025
Net result
€-16k
2024 · €9k
2022: €-6k
2023: €-39k
2024: €9k
2022 → 2025
Working capital
€-49k▼ 7.6%
2024 · €-45k
2022: €6k
2023: €-60k
2024: €-45k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€4k-€-35k€-26k▲ 24.7%€-42k▼ 60.1%
Operating result€-6k-€-39k▼ 576%€9k€-16k
Net result€-6k-€-39k▼ 571%€9k€-16k
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 €16k after €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €94k
Fixed assets
€24k▲ 12.1%
Current assets
€70k▼ 4.3%
Key figures and ratios
EBITDA
€-8k▼
2024 · €15k
Cash flow
€-9k▼
2024 · €14k
Solvency
-44.8%▼
2024 · -27.9%
Current ratio
0.59▼
2024 · 0.62
Quick ratio
0.56▼
2024 · 0.60
Debt / equity
-3.23▲
2024 · -4.59
ROE
37.5%▲
2024 · -32.8%
ROA
-16.8%▼
2024 · 9.1%
Interest coverage
-10.95▼
2024 · 47.11
Debt
€137k▲
2024 · €121k
Debt ≤ 1 year
€119k▲
2024 · €119k
Staff costs
€67k▼
2024 · €68k
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€95k€94k▼
Fixed assets21/28€22k€24k▲
Tangible fixed assets22/27€22k€24k▲
Plant, machinery and equipment23€10k€7k▼
Furniture and vehicles24€11k€12k▲
Other tangible fixed assets26-€5k
Current assets29/58€73k€70k▼
Stocks and contracts in progress3€2k€4k▲
Stocks30/36€2k€4k▲
Amounts receivable within one year40/41€16k€25k▲
Trade receivables40€16k€24k▲
Other amounts receivable41€497€789▲
Cash at bank and in hand54/58€54k€40k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€95k€94k▼
Equity10/15€-26k€-42k▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€-36k€-52k▼
Amounts payable17/49€121k€137k▲
Amounts payable within one year42/48€119k€119k▲
Trade debts44€3k€16k▲
Suppliers440/4€3k€16k▲
Taxes, remuneration and social security45€15k€19k▲
Taxes450/3€5k€5k▲
Remuneration and social security454/9€10k€14k▲
Other amounts payable47/48€101k€84k▼
Accrued charges and deferred income492/3€3k€18k▲
Income statement
Code20242025
Remuneration, social security and pensions62€68k€67k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€446€2k▲
Gross operating margin9900€83k€61k▼
Operating profit (loss)9901€9k€-16k▼
Financial income75/76B€5€481▲
Recurring financial income75€5€476▲
Non-recurring financial income76B-€5
Financial charges65/66B€310€772▲
Recurring financial charges65€310€772▲
Profit (loss) for the period before taxes9903€9k€-16k▼
Profit (loss) for the period9904€9k€-16k▼
Profit (loss) for the period to be appropriated9905€9k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-36k€-52k▼
Profit (loss) brought forward from the previous period14P€-45k€-36k▲
The notes to these accounts (5 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-39k
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Leuven · 2 establishment units since 2022
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.
Prosperdreef 63001 LeuvenGround area
2,682 m²
Building footprint
599 m²
Volume, LiDAR
1,886 m³
2 parcels, Flanders · tallest building 19.0 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
HÄVN
since 20222.331.146.164
HÄVN
since 20232.340.737.187
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24432H0052/00N003 | Flanders | 2,460 m² | 1 · 434 m² | 19.0 m · 1 fl. |
| 24434F0316/00A009 | Flanders | 222 m² | 1 · 166 m² | 11.9 m · 2 fl. |
Linked by address, not proof of ownership
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLeuven2.340.737.187
Similar companies · same sector, comparable size
LA FOOD
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MESOPOTAMIA
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LAYALI BEIRUT
BE 0741.902.025
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LE PEPIN
BE 0809.831.026
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Sint-Maarten
BE 0732.753.341
Oostkamp · Eq €4k
Of 20,234 companies in sector 56111 we hold annual accounts for 11,310. 4,444 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-2022
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:Inge2neven@gmail.com
Phone:0491259323