KOEN HAECK
ActiveKOEN HAECK has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €-29k. Equity is growing by ~12.9% per year across the filed fiscal years. Its solvency ranks better than 68% of 18016 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-3
Solvency76▼-6
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity tight (current ratio 1.02 against 1.22 in 2024), and 44.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
55.9%
Return on assets
-33.7%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
50 d early
2023
63 d early
2022
55 d early
2021
37 d early
2020
66 d early
2019
51 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▼ 37.7%
2024 · €76k
2018: €21k
2019: €21k
2020: €52k
2021: €80k
2022: €55k
2023: €75k
2024: €76k
2018 → 2025
Total assets
€84k▼ 29.8%
2024 · €120k
2018: €86k
2019: €74k
2020: €110k
2021: €167k
2022: €153k
2023: €138k
2024: €120k
2018 → 2025
Net result
€-29k
2024 · €515
2018: €-2k
2019: €-461
2020: €31k
2021: €28k
2022: €-25k
2023: €20k
2024: €515
2018 → 2025
Working capital
€692▼ 92.1%
2024 · €9k
2018: €-8k
2019: €-4k
2020: €21k
2021: €29k
2022: €-19k
2023: €3k
2024: €9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€80k-€55k▼ 30.7%€75k▲ 35.8%€76k▲ 0.7%€47k▼ 37.7%
Operating result€39k-€-23k€20k€2k▼ 89.6%€-27k
Net result€28k-€-25k€20k€515▼ 97.4%€-29k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €27k after €2k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84k
Fixed assets
€50k▼ 30.7%
Current assets
€35k▼ 28.5%
Equity and liabilities €84k
Equity
€47k▼ 37.7%
Debt
€37k▼ 16.5%
The debt ratio rises from 37.1% to 44.1%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-5k▼
2024 · €24k
Cash flow
€-6k▼
2024 · €22k
Solvency
55.9%▼
2024 · 62.9%
Current ratio
1.02▼
2024 · 1.22
Quick ratio
0.92▼
2024 · 1.12
Debt / equity
0.79▲
2024 · 0.59
ROE
-60.4%▼
2024 · 0.7%
ROA
-33.7%▼
2024 · 0.4%
Interest coverage
-5.60▼
2024 · 20.48
Debt
€37k▼
2024 · €45k
Debt ≤ 1 year
€34k▼
2024 · €40k
Debt > 1 year
€3k▼
2024 · €5k
Income taxes
€401▲
2024 · €375
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€120k€84k▼
Fixed assets21/28€72k€50k▼
Tangible fixed assets22/27€72k€50k▼
Land and buildings22€29k€25k▼
Plant, machinery and equipment23€11k€7k▼
Furniture and vehicles24€26k€13k▼
Leasing and similar rights25€6k€5k▼
Current assets29/58€49k€35k▼
Stocks and contracts in progress3€4k€3k▼
Stocks30/36€4k€3k▼
Amounts receivable within one year40/41€23k€13k▼
Trade receivables40€6k€12k▲
Other amounts receivable41€16k€1k▼
Cash at bank and in hand54/58€17k€15k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€120k€84k▼
Equity10/15€76k€47k▼
Contributions10/11€19k€19k=
Reserves13€58k€58k=
Distributable reserves133€58k€58k=
Profit (loss) carried forward14€-1k€-30k▼
Amounts payable17/49€45k€37k▼
Amounts payable after more than one year17€5k€3k▼
Financial debts170/4€5k€3k▼
Amounts payable within one year42/48€40k€34k▼
Current portion of amounts payable after more than one year42€12k€2k▼
Trade debts44€18k€25k▲
Suppliers440/4€18k€25k▲
Taxes, remuneration and social security45€10k€578▼
Taxes450/3€748€578▼
Remuneration and social security454/9€9k-
Other amounts payable47/48€280€7k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€28k€-4k▼
Operating profit (loss)9901€2k€-27k▼
Financial income75/76B€22€45▲
Recurring financial income75€22€45▲
Financial charges65/66B€1k€926▼
Recurring financial charges65€1k€926▼
Profit (loss) for the period before taxes9903€890€-28k▼
Income taxes67/77€375€401▲
Profit (loss) for the period9904€515€-29k▼
Profit (loss) for the period to be appropriated9905€515€-29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€-30k▼
Profit (loss) brought forward from the previous period14P€-2k€-1k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-29k ▼5632%
Net result drops to €-29k, the lowest in the series.
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €31k
Net result €31k after 2 loss-making years.
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Niklaas · 1 establishment unit since 2015
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Belseledorp 339111 Sint-NiklaasGround area
215 m²
Building footprint
174 m²
Volume, LiDAR
979 m³
Parcel 46002C0410/00Z000, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KOEN HAECK
since 20152.238.114.652
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46002C0410/00Z000 | Flanders | 215 m² | 1 · 174 m² | 11.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 63 EUR awarded · 63 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 63 EUR | 63 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Niklaas2.238.114.652
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Of 3,810 companies in sector 47210 we hold annual accounts for 958. 781 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2015
Fiscal year end31-12
Activities, NACEBEL
47210Retail sale of fruit and vegetables
46319Wholesale of fruit and vegetables, excluding potatoes
46381Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.