VANHAWIMO
ActiveSummary
VANHAWIMO has been active since 2013 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81,138 and a net result of €15,073. Equity is growing by about 12% per year across the filed financial years. Its solvency ranks better than 37% of 22,595 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Overview
- Equity
- €81,138
- Profit
- €15,073
- VANHAVERBEKE Katja Maria AgnesDirector
Why 81raises riskLast filed accounts filed 29 days late; 1 of the last 3 lateSector: Retail trade (NACE 47)lowers riskFounded in 2013Size: total assets €426,750Show the evidence
Checked score
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 47, micro): better than 35% on solvency, 11% on liquidity, 58% on profitability and 74% on growth.
The bankruptcy probability was computed on 27-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 7 accounts on average 22 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Annual accounts filedfinancial year 2023 · micro…
Financials · financial year 2025, micro format
2025 annual accounts filed late (29 days) Filed on 29 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00452301.
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result has fallen two years in a row; 2025 is 25% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Average staff in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Peer companies
Historical observationOf the 4,508 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 96.9% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 4,508 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €24,206 | €170 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,881 | €7,682 | €7,159 | €1,582 | €1,565 | €1,217 | €544 | €877 | ▲ 61.1% |
| Other operating charges640/8 | - | - | - | €1,655 | €1,680 | €1,849 | €2,853 | €2,790 | ▼ 2.2% |
| Gross operating margin9900 | €44,958 | €77,540 | €51,292 | €33,941 | €31,312 | €51,021 | €34,203 | €26,804 | ▼ 21.6% |
| Operating profit (loss)9901 | -€174 | €24,468 | €13,055 | €6,499 | €27,897 | €47,955 | €30,806 | €23,136 | ▼ 24.9% |
| Financial income75/76B | - | - | - | €248 | €35 | €129 | - | - | - |
| Recurring financial income75 | €1,386 | €228 | €19 | €248 | €35 | €129 | - | - | - |
| Financial charges65/66B | - | - | - | €3,324 | €12,494 | €21,109 | €13,851 | €113 | ▼ 99.2% |
| Recurring financial charges65 | €1,105 | €522 | €2,383 | €3,324 | €12,494 | €21,109 | €13,851 | €113 | ▼ 99.2% |
| Profit (loss) for the period before taxes9903 | €107 | €24,174 | €10,692 | €3,423 | €15,437 | €26,975 | €16,955 | €23,024 | ▲ 35.8% |
| Income taxes67/77 | €10 | €6,034 | €1,098 | €311 | €4,158 | €8,997 | €5,655 | €7,951 | ▲ 40.6% |
| Profit (loss) for the period9904 | €98 | €18,140 | €9,594 | €3,112 | €11,279 | €17,978 | €11,300 | €15,073 | ▲ 33.4% |
| Profit (loss) for the period to be appropriated9905 | €98 | €18,140 | €9,594 | €3,112 | €11,279 | €17,978 | €11,300 | €15,073 | ▲ 33.4% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €65,232 | €151,073 | €645,336 | €619,379 | €637,503 | €399,588 | €406,022 | €426,750 | ▲ 5.1% |
| Fixed assets21/28 | €18,897 | €15,218 | €8,059 | €7,146 | €6,995 | €5,778 | €6,833 | €2,907 | ▼ 57.5% |
| Tangible fixed assets22/27 | €14,397 | €10,718 | €3,559 | €2,646 | €2,495 | €1,278 | €2,333 | €2,907 | ▲ 24.6% |
| Land and buildings22 | - | - | - | - | €1,262 | €980 | €697 | €414 | ▼ 40.6% |
| Plant, machinery and equipment23 | - | - | - | €2,646 | €1,232 | €298 | €1,636 | €2,493 | ▲ 52.4% |
| Financial fixed assets28 | €4,500 | €4,500 | €4,500 | €4,500 | €4,500 | €4,500 | €4,500 | - | - |
| Current assets29/58 | €46,335 | €135,856 | €637,277 | €612,233 | €630,508 | €393,811 | €399,189 | €423,844 | ▲ 6.2% |
| Stocks and contracts in progress3 | €24,930 | €90,299 | €605,232 | €602,274 | €609,192 | €380,414 | €386,891 | €401,404 | ▲ 3.8% |
| Stocks30/36 | - | - | - | €602,274 | €609,192 | €380,414 | €386,891 | €401,404 | ▲ 3.8% |
| Amounts receivable within one year40/41 | €2,292 | €3,470 | €588 | €1,683 | €11,475 | €2,438 | €2,419 | €5,868 | ▲ 143% |
| Trade receivables40 | - | - | - | €1,683 | €11,475 | €2,438 | €2,419 | €5,868 | ▲ 143% |
| Cash at bank and in hand54/58 | €19,064 | €42,087 | €31,149 | €8,276 | €9,841 | €10,958 | €9,880 | €16,571 | ▲ 67.7% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €65,232 | €151,073 | €645,336 | €619,379 | €637,503 | €399,588 | €406,022 | €426,750 | ▲ 5.1% |
| Equity10/15 | €28,672 | €46,813 | €56,407 | €59,518 | €70,798 | €88,776 | €66,899 | €81,138 | ▲ 21.3% |
| Contributions10/11 | €12,400 | €12,400 | - | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €16,272 | €34,413 | €44,007 | €47,118 | €58,398 | €76,376 | €54,499 | €68,738 | ▲ 26.1% |
| Non-distributable reserves130/1 | - | - | - | €1,950 | €1,950 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,950 | €1,950 | - | - | - | - |
| Distributable reserves133 | - | - | - | €45,168 | €56,448 | €76,376 | €54,499 | €68,738 | ▲ 26.1% |
| Amounts payable17/49 | €36,559 | €104,261 | €588,929 | €559,861 | €566,705 | €310,813 | €339,124 | €345,612 | ▲ 1.9% |
| Amounts payable within one year42/48 | €32,031 | €98,850 | €588,929 | €559,036 | €565,880 | €310,813 | €339,124 | €345,612 | ▲ 1.9% |
| Financial debts43 | - | - | - | €272,000 | €272,000 | - | - | - | - |
| Credit institutions430/8 | - | - | - | €272,000 | €272,000 | - | - | - | - |
| Trade debts44 | €1,552 | €24,125 | €25,751 | €3,917 | €6,233 | €2,227 | €1,304 | €9,329 | ▲ 615% |
| Suppliers440/4 | - | - | - | €3,917 | €6,233 | €2,227 | €1,304 | €9,329 | ▲ 615% |
| Taxes, remuneration and social security45 | - | - | - | €5,356 | €11,686 | €24,087 | €19,332 | €24,037 | ▲ 24.3% |
| Taxes450/3 | - | - | - | €5,356 | €10,686 | €24,087 | €16,332 | €21,037 | ▲ 28.8% |
| Remuneration and social security454/9 | - | - | - | - | €1,000 | - | €3,000 | €3,000 | = |
| Other amounts payable47/48 | - | - | - | €277,763 | €275,960 | €284,499 | €318,488 | €312,245 | ▼ 2.0% |
| Accrued charges and deferred income492/3 | - | - | - | €825 | €825 | - | - | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €98 | €18,140 | €9,594 | €3,112 | €11,279 | €17,978 | €11,300 | €15,073 | ▲ 33.4% |
| + Depreciation and write-downs630 | €6,881 | €7,682 | €7,159 | €1,582 | €1,565 | €1,217 | €544 | €877 | ▲ 61.1% |
| Operating cash flow (approximation) | €6,979 | €25,822 | €16,753 | €4,693 | €12,845 | €19,195 | €11,844 | €15,950 | ▲ 34.7% |
| Investment in fixed assets (approximation) | - | -€4,003 | €0 | -€669 | -€1,414 | €0 | -€1,599 | €3,049 | - |
| Change in cash | - | €23,022 | -€10,938 | -€22,872 | €1,565 | €1,118 | -€1,079 | €6,692 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 13 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 29-08-2026 | 2026-00452301 |
| 31-12-2024 | micro format | 11-04-2025 | 2025-00067862 |
| 31-12-2023 | micro format | 08-10-2024 | 2024-00499014 |
| 31-12-2022 | micro format | 06-10-2023 | 2023-00473789 |
| 31-12-2021 | micro format | 18-10-2022 | 2022-20464685 |
| 31-12-2020 | micro format | 24-09-2021 | 2021-68400251 |
| 31-12-2019 | micro format | 30-06-2020 | 2020-25200587 |
| 31-12-2018 | micro format | 29-08-2019 | 2019-58800600 |
| 31-12-2017 | micro format | 20-07-2018 | 2018-36100256 |
| 31-12-2016 | micro format | 07-07-2017 | 2017-29800580 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| VANHAVERBEKE Katja Maria Agnes |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
1 current directorThe board mandates are listed below; here you explore them as a network.
Board mandates elsewhere
1 board mandateHistory
Acts, filings and financial milestones
22-05
Gazette deed
Resignation: VANHAVERBEKE Katja Maria Agnes (director)Appointment: VANHAVERBEKE Katja Maria Agnes (director) · Amendment of the articles · Capital conversion17 facts ▸
- General meeting, 04-05-2023
- Amendment of the articles (2 times)
- Capital conversion, 7100, 14350
- Reserve release, “onmiddellijke opheffing en integrale beschikbaarstelling voor uitkering, eenparigheid van stemmen” (deed in Dutch)
- Director resignation, VANHAVERBEKE Katja Maria Agnes (director)
- Director appointment, VANHAVERBEKE Katja Maria Agnes (director (not named in the articles))
- Other provision, “kwijting ontslagnemende bestuurder voor mandaatuitoefening, volgende jaarvergadering” (deed in Dutch)
- Registered office clause, “schrapping zeteladres uit statuten en vervanging door bepaling gewest, eenparigheid van stemmen” (deed in Dutch)
- Other provision, “verslag bestuursorgaan over voorgestelde voorwerpswijziging, omstandige verantwoording” (deed in Dutch)
- Other provision, “afboeking eigen vermogensrekening niet-opgevraagde inbrengen-fiscale gevolgen en geïnformeerde toestemming, terugbetalingen prioritair op 537-deel en als divide…” (deed in Dutch)
- Other provision, “voorafgaande fiscale informatie, enige aandeelhouder” (deed in Dutch)
- Net-asset statement, “laatst goedgekeurde jaarrekening 2022-12-31, Art. 5:142 WVV” (deed in Dutch)
- +5 further facts in this act
About the unread acts
Of the 3 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits
Source: Omgevingsloket Vlaanderen. Flanders only: Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
2 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 32003D0130/00H006 | Flanders | 2,302 m² | 1 · 266 m² | 8.6 m · 1 |
| 32003D0721/00R005 | Flanders | 278 m² | 1 · 126 m² | 12.8 m · 3 |
How the parcels are linked
Articles of association
- PurposeThe activities the company may carry out under its articles.
- “Handelsbemiddeling in textiel, kleding, schoeisel en artikelen van leer; Handelsbemiddeling in bont; Groothandel in kleding, met…” (deed in Dutch)
51 activities (deed in Dutch)
- Handelsbemiddeling in textiel, kleding, schoeisel en artikelen van leer
- Handelsbemiddeling in bont
- Groothandel in kleding, met uitzondering van werk- en onderkleding
- Groothandel in kleding, inclusief sportkleding
- Groothandel in bontwaren
- Groothandel in kledingaccessoires
- Groothandel in schoeisel
- Groothandel in schoeisel
- Kleinhandel in kledingstoffen en meubileringstoffen
- Detailhandel in damesbovenkleding in gespecialiseerde winkels
- Detailhandel in herenbovenkleding in gespecialiseerde winkels
- Detailhandel in baby- en kinderbovenkleding in gespecialiseerde winkels
- Detailhandel in onderkleding, lingerie en strand- en badkleding in gespecialiseerde winkels
- Detailhandel in kledingaccessoires in gespecialiseerde winkels
- Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires in gespecialiseerde winkels (algemeen assortiment)
- Detailhandel in schoeisel in gespecialiseerde winkels
- Detailhandel in lederwaren en reisartikelen in gespecialiseerde winkels
- Verhuur en lease van textiel, kleding, sieraden en schoeisel
- Reparatie van gedragen kleding : (onzichtbaar) stoppen, hermazen, retoucheren, enz.
- Cafés en bars
- Verkoop van dranken voor, in het algemeen, consumptie ter plaatse, eventueel in combinatie met enigerlei vorm van amusement door : cafés, bar, bierhallen, enz
- Handelsbemiddeling in voedings- en genotmiddelen
- Handelsbemiddeling in voedings- en genotmiddelen
- Groothandel in dranken, algemeen assortiment
- Detailhandel in dranken in gespecialiseerde winkels, algemeen assortiment
- Kleinhandel in alcoholische en andere dranken, inclusief de thuisbezorging daarvan
- Bottelen, mengen en zuiveren van wijn zonder transformatie
- Vervaardiging van bier
- Restaurant van het traditionele type
- Verkoop van maaltijden aan boord van schepen en restauratiewagens
- Restaurants gespecialiseerd in de organisatie van gastronomische weekends, exotische eethuizen, enz.
- Restaurants met een beperkt aantal kamers (max.5) ten behoeve van de eigen cliënteel
- Catering
- Klaarmaken, thuisbezorgen en eventueel serveren van maaltijden en bereide schotels
- Organiseren en verzorgen van bruiloften, banketten, cocktails, lunches, recepties, enz.
- Overige eetgelegenheden
- Ontwikkeling van residentiële bouwprojecten
- Projectontwikkeling voor de nieuwbouw van individuele woningen of voor renovatiewerken
- Projectontwikkeling voor de bouw van appartementsgebouwen
- Ontwikkeling van niet-residentiële bouwprojecten
- Projectontwikkeling voor de bouw of de aanleg van : commerciële, en industriële centra, hotels, industriezones en markten, jachthavens, wintersportcentra, enz.
- Projectontwikkeling voor de aanleg of renovatie van stadswijken
- Toezien op de bouwwerkzaamheden (ruwbouw, installatie, afwerking, enz.)
- Vermogensbeheer
- Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
- Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen
- Verhuur en exploitatie van terreinen
- Holdings
- Op lange termijn aanhouden van aandelen die afkomstig zijn van verschillende andere bedrijven die in meerderheid tot de financiële sector behoren
- Managementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.
- Op lange termijn aanhouden van aandelen die afkomstig zijn van verschillende andere bedrijven uit verscheidene economische sectoren.
- Other provisionsOther rules from the articles that fall under none of the themes above.
- Other provision: “Geen uitkering bij negatief nettoactief of als daardoor negatief;met onbeschikbaar vermogen geen uitkering beneden dat bedrag;niet…” (deed in Dutch)7 more provisions in the deed, see the deed of 22-05-2023
Read from the deeds: 9 provisions, deed of 22-05-2023