Active BE 0794.365.464Private limited company

A&H

Sint-Elisabethstraat 53 ·2060 Antwerpen, Belgium· 3 yrs active

Sector: Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen (47110)

Conclusion Checked

The computed 12-month bankruptcy probability of A&H is 2.2% (moderate). The 2024 annual accounts show equity of €49k and a net result of €31k. Its solvency ranks better than 66% of 6720 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€49k
Net result	€31k
Staff (FTE)	0.3
Better than sector	66%

Financial profile 5 of 5 axes measured · computed by Checked

78 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 81

Profitability 64

Solvency 66

Growth 85

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

2.2% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

81 / 100 Excellent

050100

Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview2 NBB filings

Annual accounts filed on 01-08-2025 with the NBB · fiscal year 2024 · micro

RevenueOperating resultNet result

Sector comparison

Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	37.0%	20.4%	better than 66% of 6720 sector peers
Net result	€31k	€4k	better than 82% of 6701 sector peers
Equity	€49k	€16k	better than 72% of 6735 sector peers
Gross operating margin	€78k	€24k	better than 76% of 6680 sector peers
Staff costs	€6k	€33k	higher than 21% of 3047 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Revenue

€608k

+76.7% 23-24

EBITDA

€51k

+99.1% 23-24

Net profit

€31k

+101.8% 23-24

Cash flow

€38k

+80.8% 23-24

Total assets

€133k

+76.4% 23-24

Equity

€49k

+168.7% 23-24

Working capital

€32k

- 23-24

Employees (FTE)

0

-57.1% 23-24

Show 13 other metrics

Staff costs

€6k

-75.7% 23-24

Income taxes

€13k

+178.3% 23-24

Debt

€84k

+46.8% 23-24

Debt ≤ 1y

€84k

+46.8% 23-24

Current ratio

1.39

+41.3% 23-24

Quick ratio

0.43

+335.9% 23-24

Solvency

37.0%

+52.3% 23-24

Debt / equity

1.70

-45.4% 23-24

ROE

62.8%

-24.9% 23-24

ROA

23.2%

+14.4% 23-24

Net margin

5.1%

+14.2% 23-24

EBITDA margin

8.4%

+12.7% 23-24

Interest coverage

91.01

-44.2% 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	€608k
EBITDA	€51k
Net profit	€31k
Cash flow	€38k
Staff costs	€6k
Income taxes	€13k
Dividends	-
Total assets	€133k
Equity	€49k
Debt	€84k
of which ≤ 1y	€84k
of which > 1y	-
Working capital	€32k
Employees (FTE)	0.3

Ratios (computed)

	2024
Current ratio	1.39
Quick ratio	0.43
Working capital ratio	24.3%
Solvency	37.0%
Debt / equity	1.70
Long-term debt ratio	-
Interest coverage	91.01
Gross margin	11.9%
Net margin	5.1%
ROA	23.2%
ROE	62.8%
EBITDA margin	8.4%
Days sales outstanding	4d
Days payable outstanding	45d
Inventory turnover	6.69
Days inventory (DSI)	55d

Balance-sheet composition 2024

Assets

Fixed assets €17k · 12.7% Current assets €116k · 87.3%

Equity & liabilities

Equity €49k · 37.0% Debt €84k · 63.0%

Full annual accounts (22 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€133k
Fixed assets	21/28	€17k
Tangible fixed assets	22/27	€17k
Current assets	29/58	€116k
Stocks & contracts in progress	3	€80k
Amounts receivable within one year	40/41	€7k
Cash & bank	54/58	€29k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€133k
Equity	10/15	€49k
Contributions / capital	10/11	€3k
Accumulated profits (losses)	14	€46k
Amounts payable	17/49	€84k
Amounts payable within one year	42/48	€84k
Trade debts payable within one year	44	€65k
Income statement
Turnover	70	€608k
Gross operating margin	9900	€78k
Operating result	9901	€44k
Financial charges	65	€558
Result before taxes	9903	€43k
Income taxes	67/77	€13k
Net result for the period	9904	€31k
Result to be appropriated	9905	€31k

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 3 directors

Current directors & mandates

A&HLegal entity
Director· perm. rep.: Mir Masood Iqbal
State Gazette act 23020877 (13-02-2023)

Current
10-01-2023 → present

Former directors (2)

Khurshid Basit
Director
State Gazette act 23020877 (13-02-2023)

Former
- → 10-01-2023
Rashid Asghar
Director
State Gazette act 23020877 (13-02-2023)

Former
- → 10-01-2023

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen(47110)
Legal form	Private limited company(610)
Incorporation	03-12-2022
Status	Active
Postal code	2060

Establishment units 1 location

A&H Cash & Carry

Sint-Elisabethstraat 53, 2060 AntwerpenGroothandel in dranken, algemeen assortiment

since 20222.339.894.376

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11805E0506/00P024	Flanders	278 m²	1 · 278 m²	13.8 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

01-08-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

12-06-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

13-02-2023

State Gazette act Director changes

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 3 years ago

2023

13-02-2023 1 director appointed, 2 resigning Director changes

Mir Masood Iqbal, Bestuurder
Khurshid Basit, Bestuurder
Rashid Asghar, Bestuurder

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)47112

Primary activity highlighted.

Names & trade names

Legal nameNL

A&H

Registered office

Sint-Elisabethstraat 53

2060 Antwerpen, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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