Equity
-€100,017
Debts exceed assets in financial year 2025.
HFK
Lifetime
5 annual accounts with figures on one time axispeak €106,231 (2025)
€106,231▲ 29.8%
lowest -€44,859 (2023)
-€22,444▼ €16,935
peak €4,639 (2021)
-€100,017▼ €22,444
€739,939▲ 18.3%
Board1 name since 2021
1 directorKLUYSKENS Sebastien Henri Michel Patrick
Documentsfilings and deeds
12-08-202612 days late
2025micro format
Gross margin from €81,862 to €106,231Loss of €22,444Equity from -€77,573 to -€100,017Debts from €625,233 to €739,939Investments €170,899
Key points
from the 2025 annual accountsLosses
-€110,017 in five years
Every financial year from 2021 to 2025 closed with a loss. 2023 was the heaviest.
Debts
€739,939 116% of the balance sheet
Financial debts 56%Suppliers 3%Taxes and wages 0%Other 41%
Of this, €323,952 falls due within a year.
Investments
€168,444 2.0 × depreciation
Green is investment, beige is depreciation.
Filings
5 annual accounts 5 late
The 2022 accounts came latest: 29 days after the end of the period.
Position in the sector
-€100,017
Less equity than 95% of companies in repair of computers and personal goods. Sector median €45,879 · 3,333 companies.
Checked score
53
Fair
Financially stronger than 17% of micro companies in repair of computers and personal goods (NACE 95)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.5% across 5,138 companies (NACE 95, micro).
About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.4%
01-2025: 1.4%● unchanged vs 12-2024
02-2025: 1.3%▼ -0.1 percentage points vs 01-2025
03-2025: 1.3%● unchanged vs 02-2025
04-2025: 1.3%● unchanged vs 03-2025
05-2025: 1.4%▲ +0.1 percentage points vs 04-2025
06-2025: 1.4%● unchanged vs 05-2025
07-2025: 1.4%● unchanged vs 06-2025
08-2025: 1.9%▲ +0.5 percentage points vs 07-2025highest value
09-2025: 0.9%▼ -1.0 percentage point vs 08-2025lowest value
10-2025: 0.9%● unchanged vs 09-2025
11-2025: 0.9%● unchanged vs 10-2025
12-2025: 0.9%● unchanged vs 11-2025
01-2026: 0.9%● unchanged vs 12-2025
02-2026: 1.0%▲ +0.1 percentage points vs 01-2026
03-2026: 1.0%● unchanged vs 02-2026
04-2026: 1.0%● unchanged vs 03-2026
05-2026: 1.1%▲ +0.1 percentage points vs 04-2026
06-2026: 1.2%▲ +0.1 percentage points vs 05-2026
07-2026: 1.2%● unchanged vs 06-2026
08-2026: 1.7%▲ +0.5 percentage points vs 07-2026
09-2026: 1.0%▼ -0.7 percentage points vs 08-2026
10-2026: 0.9%▼ -0.1 percentage points vs 09-2026
11-2026: 0.9%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€100,017
Sector: Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
lowers risk
Size: total assets €639,922
Figures for financial year 2025 (filed on 13-08-2026)
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 (NACE 95, micro). It does better than 13% of them on solvency, 19% on liquidity, 21% on profitability and 14% on growth.
The bankruptcy probability was computed on 09-11-2026 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 31-12-2025.
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, 1,167 companies had the same profile as HFK has now. Each dot stands for 3 companies, two years later.
94.9%
were still trading
2.8%
stopped another way
2.0%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of HFK itself: 0.9% within 12 months.
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 1,167 companies, not a prediction for HFK. 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
No credit on open account
Liquidity is insufficient, with a current ratio of 0.08 (0.07 in 2024), below 1. Short-term debt is 50.6% and cash 1.2% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year -€100,017
raises risk · 2025 accounts filed 12 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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 · 5 filingsDeviation from the deadline
2025
12 days late
2024
18 days late
2023
27 days late
2022
29 days late
2021
9 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 19 days after the deadline. In the sector (NACE 95), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 18 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- KLUYSKENS Sebastien Henri Michel Patrick 100 sharesdeed of 14-06-2021
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0769575828
Incorporation
Founding capital of €10,000, 100 shares · Founder: KLUYSKENS Sebastien Henri Michel Patrick · Appointment: KLUYSKENS Sebastien Henri Michel Patrick (statutory director) · published on 14-06-2021 · Gazette deed
First establishment
Avenue Zénobe Gramme 45 B, Wavre
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| HFK Wavre | €639,922 | €106,231 | -15.6% | - |
| ALASKA Bornem | €622,958 | €119,160 | 15.1% | - |
| FIRST INVEST Jalhay | €608,445 | €87,101 | -66.8% | - |
| JONAS BENJAMIN MAES Geel | €814,702 | €90,812 | -0.4% | - |
| ASH TRUCKWASH Bilzen | €623,865 | €151,470 | 12.7% | - |
| PARS MOTORS Lievegem | €539,355 | €98,387 | 27.2% | 2.4 |
| Niagara Invest Bierbeek | €726,389 | €135,366 | 26.5% | 0 |
These companies have the same main activity as HFK: washing and cleaning of motor vehicles (NACE 95316). They are comparable in size and age: total assets between €539,000 and €815,000, founded between 2019 and 2021.
Official details
Source: KBO- Status
- Active since 10-06-2021Normal situation
- Activity
- Washing and cleaning of motor vehiclesNACE 95316
- Establishment unit
- 2.318.763.2241300 Wavre, since 10-06-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 08-04-2026
Insights on HFK
HFK files the micro format. That format states no turnover. The gross margin rose from -€4,798 in 2021 to €106,231 in 2025.
The balance sheet grew most from 2022 to 2023 through fixed assets.
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 HFK
- What is the company number of HFK?
- The company number of HFK is 0769.575.828. The VAT number is the same number with BE in front: BE 0769.575.828.
- Where is HFK based?
- The registered office is at Avenue Zénobe Gramme 45 B, 1300 Wavre.Company details
- What does HFK do?
- According to the KBO register, the main activity is washing and cleaning of motor vehicles (NACE 95316).
- What is the legal form of HFK?
- HFK is a private limited company (BV).
- When was HFK founded?
- HFK was founded on 10-06-2021.
- Is HFK still active?
- Yes, HFK is an active enterprise in the KBO register.
- What is the turnover of HFK?
- The turnover in financial year 2025 is ≈ €320,000. This figure is estimated from the gross margin of €106,231 and 44 comparable companies (NACE 953). It probably lies between €260,000 and €430,000.Financials
- Is HFK profitable?
- In financial year 2025, HFK made a loss of €22,444.
- Where can I find the annual accounts of HFK?
- HFK filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of HFK due?
- HFK must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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