Debts
€284,946 80% of the balance sheet
Financial debts 34%Suppliers 5%Taxes and wages 22%Other 39%
Of this, €188,289 falls due within a year.
HOLICHA
Lifetime
5 annual accounts with figures on one time axispeak €162,668 (2024)
€162,668▲ 9.7%
peak €28,365 (2020)
€9,421▼ 55.0%
peak €73,340 (2024)
€73,340▲ 14.7%
€284,946▼ 38.9%
Board1 name since 2019
1 directorCUVELIER Charlotte Catherine Séverine
Documentsfilings and deeds
08-10-202569 days late
2024micro format
Result from €20,953 to €9,421Equity from €63,919 to €73,340Debts from €466,527 to €284,946
Key points
from the 2024 annual accountsChecked score
36
Weak
Financially stronger than 45% of micro companies in food and beverage service (NACE 56)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
6.4% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,788 companies (NACE 56, micro).
About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 10.1%
01-2025: 12.1%▲ +2.0 percentage points vs 12-2024highest value
02-2025: 12.1%● unchanged vs 01-2025highest value
03-2025: 11.4%▼ -0.7 percentage points vs 02-2025
04-2025: 11.4%● unchanged vs 03-2025
05-2025: 11.3%▼ -0.1 percentage points vs 04-2025
06-2025: 11.0%▼ -0.3 percentage points vs 05-2025
07-2025: 10.5%▼ -0.5 percentage points vs 06-2025
08-2025: 10.5%● unchanged vs 07-2025
09-2025: 9.7%▼ -0.8 percentage points vs 08-2025
10-2025: 11.4%▲ +1.7 percentage points vs 09-2025
11-2025: 5.1%▼ -6.3 percentage points vs 10-2025
12-2025: 5.1%● unchanged vs 11-2025
01-2026: 5.0%▼ -0.1 percentage points vs 12-2025
02-2026: 5.0%● unchanged vs 01-2026
03-2026: 4.9%▼ -0.1 percentage points vs 02-2026
04-2026: 5.0%▲ +0.1 percentage points vs 03-2026
05-2026: 5.0%● unchanged vs 04-2026
06-2026: 4.9%▼ -0.1 percentage points vs 05-2026
07-2026: 4.9%● unchanged vs 06-2026lowest value
08-2026: 5.3%▲ +0.4 percentage points vs 07-2026
09-2026: 5.4%▲ +0.1 percentage points vs 08-2026
10-2026: 6.4%▲ +1.0 percentage point vs 09-2026
11-2026: 6.4%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
1 financial year not filed after the legal deadline; last filed accounts filed 69 days late; 3 of the last 3 accounts late
Sector: Food and beverage service activities (NACE 56)
Figures for financial year 2024 (filed on 14-10-2025)
Founded in 2019
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 56, micro). It does better than 42% of them on solvency, 24% on liquidity, 53% on profitability and 61% 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 31-12-2024.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% 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, 3,274 companies had the same profile as HOLICHA has now. Each dot stands for 9 companies, two years later.
94.7%
were still trading
2.5%
stopped another way
2.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of HOLICHA itself is higher: 6.4% within 12 months. It rests on far more data about HOLICHA 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 3,274 companies, not a prediction for HOLICHA. 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 €2,500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is insufficient, with a current ratio of 0.65 (1.09 in 2023), below 1. Short-term debt is 52.6% and cash 4.8% of total assets. 79.5% 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
Six signals.
raises risk
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 101 days later.
NBB · 5 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline09-11-2026 today
raises risk · 2024 accounts filed 69 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-10-2025, 69 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
not filed
2024
69 days late
2023
190 days late
2022
414 days late
2021
102 days late
2020
201 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 195 days after the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% of those companies filed late.
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0728549083
Incorporation
Founder: CUVELIER Charlotte Catherine Séverine (comparante) · Founding capital of €5,000, 100 shares · Appointment: CUVELIER Charlotte Catherine Séverine (director) · published on 19-06-2019 · Gazette deed
First establishment
Rue Roblet 2A, Nivelles
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| HOLICHA Nivelles | €358,287 | €162,668 | 20.5% | - |
| JO N’KO Ottignies-Louvain-la-Neuve | €343,816 | €175,284 | 5.6% | - |
| DSM17 Tubize | €344,690 | €142,106 | -47.8% | - |
| CALOFA Alveringem | €336,290 | €156,324 | 41.9% | - |
| Talia Geraardsbergen Geraardsbergen | €380,837 | €155,936 | 65.0% | - |
| BVDH Kruisem | €386,117 | €155,640 | 27.9% | - |
| lkgservices Kampenhout | €374,454 | €152,993 | 51.3% | - |
These companies have the same main activity as HOLICHA: limited-service restaurants, excluding mobile food services (NACE 56112). They are comparable in size and age: total assets between €336,000 and €386,000, founded between 2018 and 2019.
Official details
Source: KBO- Status
- Active since 17-06-2019Normal situation
- Activity
- Limited-service restaurants, excluding mobile food servicesNACE 56112
- Establishment unit
- 2.291.734.8661400 Nivelles, since 17-06-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 28-10-2026
Annual accounts 2024
- ≈ €500,000estimated
- €358,287▼ 32.5%
- ≈ 2.8 FTEestimated
- Filing
- Filed on 08-10-2025
Insights on HOLICHA
HOLICHA files the micro format. That format states no turnover. The gross margin rose from €113,290 in 2020 to €162,668 in 2024.
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 HOLICHA
- What is the company number of HOLICHA?
- The company number of HOLICHA is 0728.549.083. The VAT number is the same number with BE in front: BE 0728.549.083.
- Where is HOLICHA based?
- The registered office is at Rue Roblet 2/A, 1400 Nivelles.Company details
- What does HOLICHA do?
- According to the KBO register, the main activity is limited-service restaurants, excluding mobile food services (NACE 56112).
- What is the legal form of HOLICHA?
- HOLICHA is a private limited company (BV).
- When was HOLICHA founded?
- HOLICHA was founded on 17-06-2019.
- Is HOLICHA still active?
- Yes, HOLICHA is an active enterprise in the KBO register.
- What is the turnover of HOLICHA?
- The turnover in financial year 2024 is ≈ €500,000. This figure is estimated from the gross margin of €162,668 and 81 comparable companies (NACE 56112). It probably lies between €370,000 and €620,000. In financial year 2021 turnover was €561,911.Financials
- Is HOLICHA profitable?
- In financial year 2024, HOLICHA made a profit of €9,421.
- Where can I find the annual accounts of HOLICHA?
- HOLICHA filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
Next steps
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