HAVIMA
ActiveHAVIMA has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-171k) and a net result of €3k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 5% of 12627 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
16
/ 100
Critical▼ -2 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-4
Solvency33=
Growth58=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.03), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
Return on assets
43.8%
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 12627 sector peers (2025).
NBB · sector comparisonPosition among 12627 sector peers
Solvency
better than 5%
← weakest
strongest →
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
37 d early
2023
31 d early
2022
49 d early
2021
37 d early
2020
31 d early
2019
43 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€3k
2024 · €-2k
2018: €-3k
2019: €-2k
2020: €3k
2021: €-4k
2022: €-2k
2023: €-2k
2024: €-2k
2018 → 2025
Working capital
€-172k▲ 0.7%
2024 · €-173k
2018: €-166k
2019: €-167k
2020: €-165k
2021: €-168k
2022: €-170k
2023: €-172k
2024: €-173k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-168k-€-170k▼ 1.2%€-172k▼ 0.9%€-173k▼ 0.9%€-171k▲ 1.6%
Operating result€-4k-€-2k▲ 51.2%€-1k▲ 21.6%€-1k▼ 0.4%€3k
Net result€-4k-€-2k▲ 49.1%€-2k▲ 21.6%€-2k▲ 1.1%€3k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €1k in 2024, the highest year so far.
Balance-sheet composition
Assets €6k
Fixed assets
€2k
Current assets
€5k
Key figures and ratios
EBITDA
€3k
Cash flow
€3k
Current ratio
0.03
Quick ratio
0.03
Debt / equity
-1.04
ROE
-1.6%
ROA
43.8%
Interest coverage
35.90
Debt
€177k▲
2024 · €174k
Debt ≤ 1 year
€177k▲
2024 · €174k
Income taxes
€0▲
2024 · €0
A ratio outside any meaningful range has been withheld (balance sheet total €6k, equity €-171k).
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€365€6k▲
Fixed assets21/28-€2k
Tangible fixed assets22/27-€2k
Furniture and vehicles24-€2k
Current assets29/58€365€5k▲
Amounts receivable within one year40/41€0-
Other amounts receivable41€0-
Current investments50/53€34€4k▲
Cash at bank and in hand54/58€332€1k▲
Equity and liabilities
Total equity and liabilities10/49€365€6k▲
Equity10/15€-173k€-171k▲
Contributions10/11€100k€100k=
Reserves13€11k€11k=
Non-distributable reserves130/1€11k€11k=
Reserves not available under the articles1311€11k€11k=
Profit (loss) carried forward14€-284k€-281k▲
Amounts payable17/49€174k€177k▲
Amounts payable within one year42/48€174k€177k▲
Trade debts44€756-
Suppliers440/4€756-
Other amounts payable47/48€173k€177k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€246
Other operating charges640/8€387€400▲
Gross operating margin9900€-1k€3k▲
Operating profit (loss)9901€-1k€3k▲
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€69€85▲
Recurring financial charges65€69€85▲
Profit (loss) for the period before taxes9903€-2k€3k▲
Income taxes67/77€0€0▲
Profit (loss) for the period9904€-2k€3k▲
Profit (loss) for the period to be appropriated9905€-2k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-284k€-281k▲
Profit (loss) brought forward from the previous period14P€-282k€-284k▼
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
30-07
State Gazette act
General meeting · Director resignation
Director reappointment · Director appointment
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €3k
Net result €3k after 4 loss-making years.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €-4k ▼247%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
15-02
State Gazette act
General meeting · Director resignation
Director reappointment · Director appointment
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2014
23-06
State Gazette act
General meeting · Director reappointment
Director appointment
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2021
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
02-09-2021
Resigned as Director
Location & real-estate footprint
Registered office, Sint-Pieters-Woluwe
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.
Orbanlaan 791150 Sint-Pieters-WoluweGround area
1,539 m²
Building footprint
180 m²
Volume, LiDAR
1,309 m³
Parcel 21683D0355/00X004, Brussels · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21683D0355/00X004 | Brussels | 1,539 m² | 1 · 180 m² | 10.6 m · 3 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.
Structure & network
Ownership & control
2 partiesHAVIMABE 0893.653.179
controls
Where this company holds controlthis company sits on their board2
Similar companies · same sector and region
ADSERE CONSULT
BE 0719.808.294
Sint-Pieters-Woluwe
ADVOCATENKANTOOR LIEVIN DE WULF
BE 0477.269.494
Sint-Pieters-Woluwe
ADVOCATENKANTOOR HERMAN CRAENINCKX
BE 0479.477.928
Sint-Pieters-Woluwe
Advocatenkantoor Taleska Dojchinovska
BE 0751.786.820
Sint-Pieters-Woluwe
Advokatenassociatie Claes, Lehmann en Milde
BE 0543.925.520
Sint-Pieters-Woluwe
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 22,018 companies in sector 69101 we hold annual accounts for 9,028.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-11-2007
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.