Losses
-€32,442 in five years
Every financial year from 2021 to 2025 closed with a loss. 2021 was the heaviest.
HENSOFIEAL
Lifetime
17 annual accounts with figures on one time axis, 19 filings since 2004peak €48,266 (2014)
€3,071▼ 52.3%
lowest -€52,595 (2009)
-€5,994▼ €3,373
peak €298,818 (2018)
€273,009▼ 2.1%
€89,807▼ 3.2%
Documentsfilings and deeds
26-11-202526 days late
2025micro format
Gross margin from €6,432 to €3,071Loss of €5,994Cash from €19 to €48
Key points
from the 2025 annual accountsChecked score
64
Healthy
Financially stronger than 47% of micro companies without a NACE code
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.6%▲ +0.1 percentage points vs 03-2025
05-2025: 0.6%● unchanged vs 04-2025
06-2025: 0.6%● unchanged vs 05-2025
07-2025: 0.5%▼ -0.1 percentage points vs 06-2025
08-2025: 0.5%● unchanged vs 07-2025
09-2025: 0.6%▲ +0.1 percentage points vs 08-2025
10-2025: 0.8%▲ +0.2 percentage points vs 09-2025
11-2025: 1.3%▲ +0.5 percentage points vs 10-2025
12-2025: 0.5%▼ -0.8 percentage points vs 11-2025lowest value
01-2026: 0.5%● unchanged vs 12-2025lowest value
02-2026: 0.5%● unchanged vs 01-2026lowest value
03-2026: 0.5%● unchanged vs 02-2026lowest value
04-2026: 0.6%▲ +0.1 percentage points vs 03-2026
05-2026: 0.6%● unchanged vs 04-2026
06-2026: 0.6%● unchanged vs 05-2026
07-2026: 0.5%▼ -0.1 percentage points vs 06-2026
08-2026: 0.5%● unchanged vs 07-2026
09-2026: 0.6%▲ +0.1 percentage points vs 08-2026
10-2026: 1.2%▲ +0.6 percentage points vs 09-2026
11-2026: 1.3%▲ +0.1 percentage points vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 0.21, cash €48
Figures for financial year 2025 (filed on 26-11-2025)
No registered site in the KBO
lowers risk
Size: total assets €362,816
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 81% of them on solvency, 23% on liquidity, 44% on profitability and 37% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-03-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 12,322 companies had the same profile as HENSOFIEAL has now. Each dot stands for 31 companies, two years later.
90.3%
were still trading
8.6%
stopped another way
0.7%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of HENSOFIEAL itself is higher: 1.3% within 12 months. It rests on far more data about HENSOFIEAL than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 12,322 companies, not a prediction for HENSOFIEAL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €17,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.21 (0.21 in 2024), below 1. Short-term debt is 24.8% and cash 0% of total assets. 24.8% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 26 days late
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 26-11-2025, 26 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2026
not filed
2025
26 days late
2024
26 days late
2023
23 days late
2022
21 days late
2021
87 days late
2018
15 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 6 accounts on average 33 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0864816465
Incorporation
published on 29-04-2004 · Gazette deed
Official details
Source: KBO- Status
- Active since 20-04-2004Normal situation
- Activity
- No activity registered in the KBO
- Financial year end
- 31 March
- Peppol
- Reachable since 15-01-2026
Insights on HENSOFIEAL
HENSOFIEAL files the micro format. That format states no turnover. The gross margin fell from €21,229 in 2007 to €3,071 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about HENSOFIEAL
- What is the company number of HENSOFIEAL?
- The company number of HENSOFIEAL is 0864.816.465. The VAT number is the same number with BE in front: BE 0864.816.465.
- Where is HENSOFIEAL based?
- The registered office is at Verlorenhoekweg 20, 3210 Lubbeek.Company details
- What is the legal form of HENSOFIEAL?
- HENSOFIEAL is a public limited company (NV).
- When was HENSOFIEAL founded?
- HENSOFIEAL was founded on 20-04-2004.
- Is HENSOFIEAL still active?
- Yes, HENSOFIEAL is an active enterprise in the KBO register.
- What is the turnover of HENSOFIEAL?
- The turnover in financial year 2025 is ≈ €23,000. This figure is estimated from the gross margin of €3,071 and 6,304 comparable companies of the same size. It probably lies between €11,000 and €56,000. It is a rough estimate.Financials
- Is HENSOFIEAL profitable?
- In financial year 2025, HENSOFIEAL made a loss of €5,994.
- Where can I find the annual accounts of HENSOFIEAL?
- HENSOFIEAL filed 19 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
Next steps
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