VAN HAVER
ActiveVAN HAVER has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €535k and a net result of €8k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 55.04 against 15.19 in 2024; short-term debt: 1.6% and cash: 22.9% of total assets), and 1.6% 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
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
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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
98.4%
Return on assets
1.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
1 d early
2022
on the day
2021
94 d late
2020
on the day
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€535k▲ 1.6%
2024 · €527k
2019: €369k
2020: €395k
2021: €428k
2022: €474k
2023: €517k
2024: €527k
2019 → 2025
Total assets
€544k▼ 2.3%
2024 · €557k
2019: €430k
2020: €429k
2021: €456k
2022: €529k
2023: €548k
2024: €557k
2019 → 2025
Net result
€8k▼ 9.7%
2024 · €9k
2019: €30k
2020: €34k
2021: €34k
2022: €47k
2023: €43k
2024: €9k
2019 → 2025
Working capital
€465k▲ 10.0%
2024 · €423k
2019: €315k
2020: €352k
2021: €345k
2022: €399k
2023: €397k
2024: €423k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€428k-€474k▲ 10.9%€517k▲ 9.1%€527k▲ 1.8%€535k▲ 1.6%
Operating result€47k-€72k▲ 51.8%€65k▼ 9.9%€13k▼ 80.3%€13k▲ 3.8%
Net result€34k-€47k▲ 38.6%€43k▼ 8.3%€9k▼ 78.1%€8k▼ 9.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 4% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €544k
Fixed assets
€70k▼ 32.5%
Current assets
€474k▲ 4.7%
Equity and liabilities €544k
Equity
€535k▲ 1.6%
Debt
€9k▼ 71.1%
The debt ratio falls from 5.4% to 1.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€48k▲
2024 · €42k
Cash flow
€43k▲
2024 · €39k
Solvency
98.4%▲
2024 · 94.6%
Current ratio
55.04▲
2024 · 15.19
Quick ratio
51.15▲
2024 · 14.07
Debt / equity
0.02▼
2024 · 0.06
ROE
1.6%▼
2024 · 1.8%
ROA
1.6%▼
2024 · 1.7%
Interest coverage
29.69▼
2024 · 131.91
Debt
€9k▼
2024 · €30k
Debt ≤ 1 year
€9k▼
2024 · €30k
Income taxes
€5k▲
2024 · €4k
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€557k€544k▼
Fixed assets21/28€104k€70k▼
Tangible fixed assets22/27€104k€70k▼
Plant, machinery and equipment23€10k€2k▼
Furniture and vehicles24€94k€69k▼
Current assets29/58€453k€474k▲
Stocks and contracts in progress3€33k€33k=
Stocks30/36€33k€33k=
Amounts receivable within one year40/41€96k€109k▲
Trade receivables40€83k€79k▼
Other amounts receivable41€13k€31k▲
Current investments50/53-€205k
Cash at bank and in hand54/58€323k€124k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€557k€544k▼
Equity10/15€527k€535k▲
Contributions10/11€19k€19k=
Reserves13€508k€517k▲
Distributable reserves133€508k€517k▲
Amounts payable17/49€30k€9k▼
Amounts payable within one year42/48€30k€9k▼
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€22k€1k▼
Suppliers440/4€22k€1k▼
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€6k€4k▼
Other amounts payable47/48€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€34k▲
Other operating charges640/8€3k€8k▲
Non-recurring operating charges66A€6k-
Gross operating margin9900€52k€56k▲
Operating profit (loss)9901€13k€13k▲
Financial income75/76B€523€2k▲
Recurring financial income75€523€2k▲
Financial charges65/66B€320€2k▲
Recurring financial charges65€320€2k▲
Profit (loss) for the period before taxes9903€13k€14k▲
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€9k€8k▼
Profit (loss) for the period to be appropriated9905€9k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€8k▼
Transfer to equity691/2€9k€8k▼
To other reserves6921€9k€8k▼
The notes to these accounts (7 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
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €8k ▼9.7%
Net result drops to €8k, the lowest in the series.
30-06
Financial
Liquidity quadruplescurrent ratio 55.04
Current ratio from 15.19 to 55.04; short-term debt falls from €30k to €9k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Equity above €500kEq €517k ▲9.1%
5 profitable years in a row build equity to €517k.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Highest result since 2019net €47k ▲38.6%
Operating result €72k, net result €47k, both a record.
05-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 94 days late
2021
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
31-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
18-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
19-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Lebbeke · 1 establishment unit since 1990
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.
Aalstersestraat 449280 LebbekeGround area
161 m²
Building footprint
161 m²
Volume, LiDAR
551 m³
Parcel 42027B0273/00E000, Flanders · tallest building 5.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Aalstersestraat 44, 9280 Lebbeke
since 19902.050.738.465
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42027B0273/00E000 | Flanders | 161 m² | 1 · 161 m² | 5.3 m · 1 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.
Similar companies · same sector, comparable size
GARAGE DEGADT
BE 0861.840.644
Gistel · Eq €535k
CENTRE AUTO RANCE
BE 0445.077.669
Sivry-Rance · Eq €535k
CRIVACO
BE 0424.749.736
Lievegem · Eq €536k
PARILLA AGRILAIN
BE 0431.791.639
Pajottegem · Eq €536k
GARAGE CARPENTIER
BE 0448.842.952
Geel · Eq €534k
Of 10,679 companies in sector 47811 we hold annual accounts for 5,225. 3,411 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-11-1990
Fiscal year end30-06
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.