HAK AUTO · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of HAK AUTO is 2.2% (moderate). The 2025 annual accounts show equity of €191k and a net result of €77k. Equity is growing by ~53.2% per year across the filed fiscal years. Its solvency ranks better than 29% of 479 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Filed after the deadline

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

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.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	02-02-2026	2 d late	2026-00028084
30-06-2024	31-01-2025	03-02-2025	3 d late	2025-00029256
30-06-2023	31-01-2024	30-01-2024	1 d early	2024-00013111
30-06-2022	31-01-2023	19-12-2022	43 d early	2022-20541621

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2021, 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 Flags

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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

2.2% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Multiple establishment units +

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

Financials

Turnover€4.41M

EBIT margin4.2%

Net result€77k+169.1%

Working capital€551k-12.4%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 02-02-2026 with the NBB · fiscal year 2025 · verkort

RevenueOperating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~53.2%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	8.6%	21.2%	better than 29% of 479 sector peers
Net result	€77k	€33k	better than 67% of 477 sector peers
Equity	€191k	€163k	better than 53% of 479 sector peers
Gross operating margin	€304k	€281k	better than 53% of 479 sector peers
Staff costs	€58k	€212k	higher than 17% of 385 sector peers

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

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P29

Weakening position over 2022-2025 · n=479-1229

Net result P67

Stable position over 2022-2025 · n=477-1228

Equity P53

Improving position over 2022-2025 · n=479-1229

Gross operating margin P53

Improving position over 2022-2025 · n=479-1227

Describes the position versus peers, not a forecast.

Revenue

€4.41M

- 22-25

EBITDA

€217k

+370.7% 22-25

Net profit

€77k

+169.1% 22-25

Cash flow

€108k

+271.3% 22-25

Total assets

€2.21M

+209.1% 22-25

Equity

€191k

+67.8% 22-25

Working capital

€551k

-12.4% 22-25

Employees (FTE)

1

- 22-25

Staff costs

€58k

+153.5% 22-25

Income taxes

€22k

+161.4% 22-25

Debt

€2.02M

+235.7% 22-25

Debt ≤ 1y

€194k

+129.0% 22-25

Debt > 1y

€1.82M

+252.4% 22-25

Current ratio

3.83

-54.4% 22-25

Quick ratio

1.50

-53.4% 22-25

Solvency

8.6%

-45.7% 22-25

Debt / equity

10.62

+100.1% 22-25

ROE

40.4%

+60.4% 22-25

ROA

3.5%

-12.9% 22-25

Net margin

1.7%

- 22-25

EBITDA margin

4.9%

- 22-25

Interest coverage

2.50

-53.5% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	verkort
Revenue	€4.41M
EBITDA	€217k
Net profit	€77k
Cash flow	€108k
Staff costs	€58k
Income taxes	€22k
Dividends	-
Total assets	€2.21M
Equity	€191k
Debt	€2.02M
of which ≤ 1y	€194k
of which > 1y	€1.82M
Working capital	€551k
Employees (FTE)	0.7

Ratios (computed)

	2025
Current ratio	3.83
Quick ratio	1.50
Working capital ratio	24.9%
Solvency	8.6%
Debt / equity	10.62
Long-term debt ratio	9.58
Interest coverage	2.50
Gross margin	6.9%
Net margin	1.7%
ROA	3.5%
ROE	40.4%
EBITDA margin	4.9%
Days sales outstanding	7d
Days payable outstanding	8d
Inventory turnover	9.03
Days inventory (DSI)	40d

Balance-sheet composition 2025

Assets

Fixed assets €1.47M · 66.3% Current assets €745k · 33.7%

Equity & liabilities

Equity €191k · 8.6% Debt €2.02M · 91.4%

Full annual accounts

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

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€2.21M
Fixed assets	21/28	€1.47M
Tangible fixed assets	22/27	€1.32M
Financial fixed assets	28	€152k
Current assets	29/58	€745k
Stocks & contracts in progress	3	€454k
Amounts receivable within one year	40/41	€114k
Cash & bank	54/58	€170k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€2.21M
Equity	10/15	€191k
Contributions / capital	10/11	€2k
Accumulated profits (losses)	14	€189k
Amounts payable	17/49	€2.02M
Amounts payable after one year	17	€1.82M
Amounts payable within one year	42/48	€194k
Trade debts payable within one year	44	€86k
Income statement
Turnover	70	€4.41M
Gross operating margin	9900	€304k
Operating result	9901	€185k
Financial income	75	€9
Financial charges	65	€87k
Result before taxes	9903	€99k
Income taxes	67/77	€22k
Net result for the period	9904	€77k
Result to be appropriated	9905	€77k

You are seeing the latest fiscal year only. 3 prior years (figures + ratios) are in a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

78 / 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 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

2 locations

HAK AUTO

Jan Tieboutstraat 18 A, 1731 AsseDetailhandel in auto's en lichte bestelwagens (= 3,5 ton)

since 20212.322.039.745

HAK AUTO

Spoelewielenlaan 10, 8860 LendeledeDetailhandel in auto's en lichte bestelwagens (= 3,5 ton)

since 20222.338.426.609

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

Parcels2

Ground area768 m²

Buildings1

Building footprint87 m²

Volume (LiDAR)615 m³

Tallest building10.3 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
34025B0427/00M000	Flanders	521 m²	-	-
23095C0073/00H030	Flanders	246 m²	1 · 87 m²	10.3 m · 3 fl.

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

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

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

68 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 78

Profitability 53

Solvency 39

Growth 78

Stability 94

Credit advice

verdict per customer and amount

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We hold annual accounts for 1,124 of the 10,655 companies in this sector. 678 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)95311

Primary activity highlighted.

Names & trade names

Legal nameNL

HAK AUTO

Registered office

Jan Tieboutstraat 18 A

1731 Asse, Belgium

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