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Complete company report
Generated 08-08-2026
Active BE 0789.323.147Private limited company

HKJ & Group

· 4 yrs active
Sector: Land transport (49330)
Conclusion Checked

The computed 12-month bankruptcy probability of HKJ & Group is ≥ 25% (high). The 2022 annual accounts show negative equity (€-4k) and a net result of €-6k. Its solvency ranks better than 13% of 1342 sector peers (fiscal year 2022). The company has been active since 2022 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €-4k
Net result €-6k
Better than sector 13%
Active 4 yrs
Snowflake analysis 5 axes · computed by Checked
Health10Profitability100Solvency33Growth50Stability71
53 / 100

Mixed profile: strong on profitability, weaker on health.

Health 10
Profitability 100
Solvency 33
Growth 50
Stability 71
Bankruptcy probability (12 mo) Checked model v1 · free
≥ 25% High
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile +Young company +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
3 / 100
Low risk
Components
· 1 administrative flag (+3)
Trust signals 1 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
Administrative Flags 1 events
Address struck
Health barometer FY 2022 · computed
10 / 100 Critical
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 31-08-2023 with the NBB · fiscal year 2022 · micro
Sector comparison
Fiscal year 2022 · NACE 49, Land transport · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -14.2% 28.4%
better than 13% of 1342 sector peers
Net result €-6k €4k
better than 17% of 1329 sector peers
Equity €-4k €17k
better than 13% of 1351 sector peers
Gross operating margin €-2k €26k
better than 10% of 1322 sector peers
Total assets €27k €66k
better than 25% of 1343 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2022
Revenue-
EBITDA€-2k
Net profit€-6k
Cash flow€-2k
Staff costs-
Income taxes-
Dividends-
Total assets€27k
Equity€-4k
Debt€31k
of which ≤ 1y€31k
of which > 1y-
Working capital€-31k
Employees (FTE)-
Ratios (computed)
2022
Current ratio0.01
Quick ratio0.01
Working capital ratio-112.9%
Solvency-14.2%
Debt / equity-8.05
Long-term debt ratio-
Interest coverage-49.57
Gross margin-
Net margin-
ROA-23.4%
ROE164.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€27k
Fixed assets 21/28€27k
Tangible fixed assets 22/27€27k
Current assets 29/58€358
Amounts receivable within one year 40/41€333
Cash & bank 54/58€25
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€27k
Equity 10/15€-4k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€-6k
Amounts payable 17/49€31k
Amounts payable within one year 42/48€31k
Trade debts payable within one year 44€30k
Income statement
Gross operating margin 9900€-2k
Operating result 9901€-6k
Financial charges 65€47
Result before taxes 9903€-6k
Net result for the period 9904€-6k
Result to be appropriated 9905€-6k
Ratios computed by Checked.
Legal Structure
NACE primary Land transport(49330)
Legal form Private limited company(610)
Incorporation02-08-2022
StatusActive
Postal code-
Establishment units 2 locations
HKJ & Group
Consciencestraat (Hendrik) 14, 1500 HalleDetailhandel in niet-gespecialiseerde winkels in diepvriesproducten
since 20222.333.964.906
Wolstraat 91, 1000 Brussel
Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden
since 20242.362.244.265
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels 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 1 (50%) Brussels 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
23062B0376/02Z004 Flanders 3,132 m² 1 · 673 m² 12.2 m · 2 fl.
21808H0185/02E000 Brussels 72 m² 1 · 55 m² 14.6 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.
Updates 7 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
10-11-2025
KBO administration Address struck
19-08-2025
State Gazette act Director changes
2024
11-12-2024
State Gazette act Director changes
17-10-2024
State Gazette act Director changes
08-08-2024
State Gazette act Registered-office change
EL HADRI HAMZA
2023
31-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
Lifecycle & Insolvency Signals 1 events
10-11-2025
KBO administration Address struck
 · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262025-11-10 · KBO administration · Address struck
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad, acts 4 acts
Address history · 1
08-08-2024
Registered-office move
All acts · 4 updated 11 months ago
2025
19-08-2025 1 director appointed, 2 resigning Director changes
  • ZAHRI Hamed, Bestuurder
  • DZUKO Jean, Bestuurder
  • EL HADRI Hamza, Bestuurder
Technical details 
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    {
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      "reason": null,
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        "name": "CAPRA Victor",
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    {
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    {
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    },
    {
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      "role": "vaste_vertegenwoordiger",
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      "rep_rotation_new_rep": null,
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  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Brussel",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-08-19",
    "filing_date": "2025-08-01",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2025-07-22",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0789.323.147",
    "name_full": "HKJ \u0026 Group",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": null,
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2024
11-12-2024 1 director appointed, 1 resigning Director changes
  • DZUKO JEAN OLIVIER, Bestuurder
  • BENKASSEM Mohamed, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "substantive_delegation",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "BENKASSEM Mohamed",
        "address": "1081 Koekelberg, Francois Delcoignestraat 39",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
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      "evidence_quote": "",
      "decharge_status": null,
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    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "BENKASSEM Mohamed",
        "address": "1081 Koekelberg, Francois Delcoignestraat 39",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
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    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "DZUKO JEAN OLIVIER",
        "address": "Meiselaan 1, 1880 Kapelle-op-den-Bos",
        "birth_date": null,
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        "birth_place": null
      },
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  ],
  "notary": {
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    "office_city": "Halle",
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  },
  "act_meta": {
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    "filing_date": "2024-12-03",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "enig_aandeelhouder_schriftelijk",
      "date": "2024-11-27",
      "unanimous": true
    },
    {
      "body": "algemene_vergadering",
      "date": "2024-11-27",
      "unanimous": true
    }
  ],
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  "subject_company": {
    "kbo": "0789.323.147",
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    "legal_form": "BV"
  },
  "publication_proxy": {
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}
17-10-2024 BENKASSEM Mohamed appointed as director Director changes
  • BENKASSEM Mohamed, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "BENKASSEM Mohamed",
        "address": "1081 Koekelberg, Fran\u00E7ois Delcoignestraat 39",
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      },
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      "subkind": "regular",
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      "effective_date": "2024-10-01",
      "evidence_quote": "De vergadering aanvaardt de benoeming van De heer BENKASSEM Mohamed als bestuurder vanaf vandaag en dit aanvaardt.",
      "decharge_status": null,
      "mandate_duration": {
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      "rep_rotation_new_rep": null,
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      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "decharge_granted",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "EL HADRI Hamza",
        "address": "1070 Anderlecht, Florimond De Pauwstraat 68",
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        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
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      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De heer EL HADRI Hamza wonende te 1070 Anderlecht, Florimond De Pauwstraat 68 verkoopt 25% van zijn sociale aandelen aan De heer BENKASSEM Mohamed wonende te 1081 Koekelberg, Fran\u00E7ois Delcoignestraat 39 en dit vanaf vandaag en aanvaardt.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
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  "notary": {
    "name": null,
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    "office_city": "Halle",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-10-17",
    "filing_date": "2024-10-09",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2024-10-01",
      "unanimous": true
    },
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      "body": "algemene_vergadering",
      "date": "2024-10-01",
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  ],
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  "subject_company": {
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08-08-2024 Registered office moved from Halle to Machelen Registered-office change·EL HADRI HAMZA
  • Hendrik Consciencestraat 14, 1500 Halle → Steenweg Buda 34, 1830 Machelen (Brab.)
Notary: EL HADRI HAMZA · Halle
Technical details 
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    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Steenweg Buda 34, 1830 Machelen (Brab.)",
        "city": "Machelen",
        "region": "vlaams_gewest",
        "street": "Steenweg Buda",
        "country": "BE",
        "postcode": "1830",
        "box_number": null,
        "street_number": "34",
        "locality_suffix": "(Brab.)"
      },
      "old_address": {
        "raw": "Hendrik Consciencestraat 14, 1500 Halle",
        "city": "Halle",
        "region": "vlaams_gewest",
        "street": "Hendrik Consciencestraat",
        "country": "BE",
        "postcode": "1500",
        "box_number": null,
        "street_number": "14",
        "locality_suffix": null
      },
      "effective_date": "2024-07-01",
      "evidence_quote": "Wijziging van matschappelijke zetel van Hendrik Consciencestraat 14, 1500 Halle en dit vanaf heden",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "act_body",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "immediate",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": "EL HADRI HAMZA",
    "firm_city": null,
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    "office_city": "Halle",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-08-08",
    "filing_date": "2024-07-01",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "algemene_vergadering",
    "date": "2024-07-01",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0789.323.147",
    "name_full": "HKJ \u0026 Group",
    "legal_form": "BV",
    "_kbo_filled_from_list": true
  },
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  },
  "co_filed_documents": []
}
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Exploitatie van taxi's49320Diensten voor personenvervoer op aanvraag per voertuig met chauffeur49330Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)47112Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811
Primary activity highlighted.
Names & trade names
Legal nameNL HKJ & Group
Registration history
  1. 10-11-2025 Address struck
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative