Debts
€644,590 98% of the balance sheet
Financial debts 60%Taxes and wages 5%Other 36%
Of this, €259,957 falls due within a year.
HONFIN
Lifetime
13 annual accounts with figures on one time axispeak €453,393 (2018)
€72,166▲ 20.0%
lowest -€108,683 (2013)
-€17,062▼ €19,775
peak €32,086 (2024)
€15,024▼ 53.2%
€644,590▲ 2.8%
peak 0.4 FTE (2016)
-not published
Board3 names since 2021
3 directorsFINKELSTEIN Jaakow and 2 others
Documentsfilings and deeds
29-09-202660 days late
2025micro format
Gross margin from €60,153 to €72,166Loss of €17,062Equity from €32,086 to €15,024
Key points
from the 2025 annual accountsFilings
13 annual accounts since 2013
Ten of the last ten came late. The 2022 accounts came latest: 122 days after the end of the period.
Position in the sector
-€17,062
Lower net result than 81% of companies in real estate. Sector median €5,986 · 17,185 companies.
Checked score
53
Fair
Financially stronger than 20% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59.
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.6%● unchanged vs 12-2024lowest value
02-2025: 0.6%● unchanged vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.6%● unchanged vs 03-2025
05-2025: 0.7%▲ +0.1 percentage points vs 04-2025
06-2025: 0.8%▲ +0.1 percentage points vs 05-2025
07-2025: 0.9%▲ +0.1 percentage points vs 06-2025
08-2025: 1.1%▲ +0.2 percentage points vs 07-2025
09-2025: 1.3%▲ +0.2 percentage points vs 08-2025highest value
10-2025: 0.6%▼ -0.7 percentage points vs 09-2025
11-2025: 0.6%● unchanged vs 10-2025
12-2025: 0.6%● unchanged vs 11-2025
01-2026: 0.6%● unchanged vs 12-2025
02-2026: 0.6%● unchanged vs 01-2026
03-2026: 0.6%● unchanged vs 02-2026
04-2026: 0.6%● unchanged vs 03-2026
05-2026: 0.7%▲ +0.1 percentage points vs 04-2026
06-2026: 0.7%● unchanged vs 05-2026
07-2026: 0.8%▲ +0.1 percentage points vs 06-2026
08-2026: 1.1%▲ +0.3 percentage points vs 07-2026
09-2026: 1.2%▲ +0.1 percentage points vs 08-2026
10-2026: 0.7%▼ -0.5 percentage points vs 09-2026
11-2026: 0.7%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year
Last filed accounts filed 60 days late; 3 of the last 3 accounts late
Equity €15,024 (2.3% of total assets)
lowers risk
Size: total assets €659,614
Figures for financial year 2025 (filed on 30-09-2026)
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 68, micro). It does better than 22% of them on solvency, 27% on liquidity, 20% on profitability and 11% 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, 912 companies had the same profile as HONFIN has now. Each dot stands for 3 companies, two years later.
95.3%
were still trading
2.1%
stopped another way
2.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of HONFIN itself: 0.7% 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 912 companies, not a prediction for HONFIN. 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 €500 on 30-day terms, only on tighter conditions
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is insufficient, with a current ratio of 0.48 (0.54 in 2024), below 1. Short-term debt is 39.4% and cash 2.4% of total assets. 97.7% 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.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 17194 sector peers (2025).
NBB · sector comparisonPosition among 17194 sector peers
Solvency
better than 24%
← weakest
strongest →
raises risk · 2025 accounts filed 60 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-09-2026, 60 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
2025
60 days late
2024
54 days late
2023
68 days late
2022
122 days late
2021
87 days late
2020
88 days late
2019
103 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 83 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% 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 8 October (4 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
FJ
FINKELSTEIN Jaakow
Director
HJ
HONIG John
Director
LN
LANG NV
Director
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0843461916
Registered office moved within Antwerp
New registered office: Zurenborgstraat 68 te 2018 Antwerpen · Previous registered office: Lange Leemstraat 198 te 2018 Antwerpen · General meeting of 01-02-2022 · Gazette deed
First establishment
Zurenborgstraat 68, Antwerp
Incorporation
published on 20-02-2012 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| HONFIN Antwerp | €659,614 | €72,166 | 2.3% | - |
| Lambrechts Beheer Rijkevorsel | €601,611 | €62,966 | -32.6% | - |
| V Bonheiden | €722,440 | €65,276 | 33.2% | - |
| NOTARII Puurs-Sint-Amands | €706,955 | €89,749 | 77.0% | - |
| OAKLEAF Ranst | €746,721 | €85,958 | 31.8% | 0 |
| LUMADENT Geel | €584,323 | €83,778 | 5.4% | - |
| COPASS La Louvière | €641,850 | €67,564 | 4.4% | - |
These companies have the same main activity as HONFIN: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €584,000 and €747,000, founded between 2011 and 2014.
Official details
Source: KBO- Status
- Active since 02-02-2012Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201
- Establishment unit
- 2.207.366.1472018 Antwerp, since 07-03-2012
- Financial year end
- 31 December
- Peppol
- Reachable since 01-01-2026
Annual accounts 2025
- ≈ €93,000estimated
- €659,614▼ 1.6%
- ≈ 0.9 FTEestimated
- Filing
- Filed on 29-09-2026
Insights on HONFIN
HONFIN files the micro format. That format states no turnover. The gross margin rose from -€1,269 in 2013 to €72,166 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 HONFIN
- What is the company number of HONFIN?
- The company number of HONFIN is 0843.461.916. The VAT number is the same number with BE in front: BE 0843.461.916.
- Where is HONFIN based?
- The registered office is at Zurenborgstraat 68, 2018 Antwerp.Company details
- What does HONFIN do?
- According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
- What is the legal form of HONFIN?
- HONFIN is a private limited company (pre-2019) (BVBA).
- When was HONFIN founded?
- HONFIN was founded on 02-02-2012.
- Is HONFIN still active?
- Yes, HONFIN is an active enterprise in the KBO register.
- What is the turnover of HONFIN?
- The turnover in financial year 2025 is ≈ €93,000. This figure is estimated from the gross margin of €72,166 and 45 comparable companies (NACE 682). It probably lies between €81,000 and €120,000.Financials
- Is HONFIN profitable?
- In financial year 2025, HONFIN made a loss of €17,062.
- Where can I find the annual accounts of HONFIN?
- HONFIN filed 13 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of HONFIN due?
- HONFIN must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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