Active BE 0861.219.844Private limited company

HannElke

Muziekbosstraat 15 ·9600 Ronse, Belgium· 22 yrs active

Sector: Agents in non-specialised wholesale trade (46190)

Conclusion Checked

HannElke has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117k and a net result of €27k. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 81% of 875 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

Based on the State Gazette, CBE and 3 annual accounts.

Key figures

Equity	€117k
Net result	€27k
Better than sector	81%
Active	22 yrs

Financial profile 5 of 5 axes measured · computed by Checked

96 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100

Profitability 100

Solvency 100

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.5% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 2003, 22 years in business.

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.

Checked score FY 2025 · computed

100 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€12k

estimate, not credit advice

Score history

93 2023

98 2024

100 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 4.13 (≥ 1.5) +10

Quick ratio Quick ratio 4.13 (≥ 1.0) +5

Leverage Debt/equity 0.31 (< 1.0) +10

Profitability ROE 23% (≥ 10%) +10

Interest coverage Interest coverage 22.7× (≥ 3×) +8

Profit trend Net profit up YoY +5

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview21 NBB filings

Annual accounts filed on 09-12-2025 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

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

growing Equity: growth of ~11.3%/year over 3 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 46, Wholesale trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	76.0%	35.1%	better than 81% of 875 sector peers
Net result	€27k	€10k	better than 68% of 874 sector peers
Equity	€117k	€40k	better than 75% of 876 sector peers
Gross operating margin	€43k	€32k	better than 57% of 873 sector peers
Total assets	€154k	€131k	better than 54% of 875 sector peers

EBITDA

€41k

+20.4% 23-25

Net profit

€27k

+23.3% 23-25

Cash flow

€27k

+19.9% 23-25

Total assets

€154k

+25.5% 23-25

Equity

€117k

+28.3% 23-25

Working capital

€114k

+30.4% 23-25

Income taxes

€12k

+20.0% 23-25

Dividends

€859

-95.1% 23-25

Debt

€37k

+17.2% 23-25

Debt ≤ 1y

€36k

+15.5% 23-25

Current ratio

4.13

+9.5% 23-25

Quick ratio

4.13

+9.5% 23-25

Solvency

76.0%

+2.3% 23-25

Debt / equity

0.31

-8.6% 23-25

ROE

22.8%

-3.9% 23-25

ROA

17.3%

-1.7% 23-25

Interest coverage

22.69

-8.8% 23-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023
Deposit	micro schema	micro schema	micro schema
Revenue	-	-	-
EBITDA	€41k	€34k	€28k
Net profit	€27k	€22k	€16k
Cash flow	€27k	€22k	€17k
Staff costs	-	-	-
Income taxes	€12k	€10k	€8k
Dividends	€859	€17k	-
Total assets	€154k	€122k	€110k
Equity	€117k	€91k	€95k
Debt	€37k	€31k	€15k
of which ≤ 1y	€36k	€31k	€15k
of which > 1y	-	-	-
Working capital	€114k	€87k	€91k
Employees (FTE)	-	-	-

Ratios (computed)

	2025	2024	2023
Current ratio	4.13	3.78	6.99
Quick ratio	4.13	3.78	6.99
Working capital ratio	73.9%	71.2%	82.1%
Solvency	76.0%	74.4%	86.3%
Debt / equity	0.31	0.34	0.16
Long-term debt ratio	-	-	-
Interest coverage	22.69	24.89	8.70
Gross margin	-	-	-
Net margin	-	-	-
ROA	17.3%	17.6%	14.7%
ROE	22.8%	23.7%	17.0%
EBITDA margin	-	-	-
Days sales outstanding	-	-	-
Days payable outstanding	-	-	-
Inventory turnover	-	-	-
Days inventory (DSI)	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €4k · 2.5% Current assets €150k · 97.5%

Equity & liabilities

Equity €117k · 76.1% Debt €37k · 24.0%

Full annual accounts (22 line items)

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

Line item	Code	2025	2024	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€154k	€122k	€110k
Fixed assets	21/28	€4k	€4k	€5k
Tangible fixed assets	22/27	€4k	€4k	€5k
Current assets	29/58	€150k	€119k	€106k
Amounts receivable within one year	40/41	€25k	€15k	€4k
Cash & bank	54/58	€117k	€102k	€100k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€154k	€122k	€110k
Equity	10/15	€117k	€91k	€95k
Contributions / capital	10/11	€4k	€4k	€12k
Reserves	13	€113k	€88k	€83k
Accumulated profits (losses)	14	€0	€0	-
Amounts payable	17/49	€37k	€31k	€15k
Amounts payable within one year	42/48	€36k	€31k	€15k
Trade debts payable within one year	44	€4k	€4k	€5k
Income statement
Gross operating margin	9900	€43k	€37k	€30k
Operating result	9901	€41k	€33k	€27k
Financial income	75	€1	€0	€237
Financial charges	65	€2k	€1k	€3k
Result before taxes	9903	€39k	€32k	€24k
Income taxes	67/77	€12k	€10k	€8k
Net result for the period	9904	€27k	€22k	€16k
Result to be appropriated	9905	€27k	€22k	€16k

Directors & mandates 1 directors

Current directors & mandates

PIETERS Yves
Director
State Gazette act 22383389 (19-12-2022)

Current
19-12-2022 → present

Legal Structure

NACE primary	Agents in non-specialised wholesale trade(46190)
Legal form	Private limited company(610)
Incorporation	22-10-2003
Status	Active
Postal code	9600

Establishment units 1 location

HANNELKE

Muziekbosstraat 15, 9600 RonseNACE 7415101

since 20032.133.777.888

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
45041B1442/00K000	Flanders	1,230 m²	1 · 170 m²	8.6 m · 2 fl.

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.

Updates 11 events

All 13Financial 2Gazette 1Filings 10

Next filing, fiscal year 2026, expected by 31-01-2027

2025

09-12

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

30-06

Financial Highest result since 2023net €27k ▲23.3%

Operating result €41k, net result €27k, both a record.

30-06

Financial Equity above €100kEq €117k ▲28.3%

3 profitable years in a row build equity to €117k.

31-01

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2023

04-12

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2022

19-12

State Gazette act Director changes

Valerie Goeminne

05-12

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

31-01

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

07-01

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2019

23-12

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2018

21-12

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2017

12-12

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2016

15-12

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 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

2022

19-12-2022 PIETERS Yves appointed as director Director changes·Valerie Goeminne

PIETERS Yves, Bestuurder

Notary: Valerie Goeminne · Ronse

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "board_snapshot",
      "role": "bestuurder",
      "person": null,
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "PIETERS Yves",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "decharge_granted",
      "role": "bestuurder",
      "person": null,
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": "Valerie Goeminne",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Ronse",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2022-12-19",
    "filing_date": "2022-12-15",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2022-12-09",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0861.219.844",
    "name_full": "HannElke",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Valerie GOEMINNE",
    "org_rep_person_name": null,
    "person_role_at_subject": "Notaris"
  },
  "co_filed_documents": [
    "Uitgifte van de akte",
    "Geco\u00F6rdineerde tekst van de statuten"
  ],
  "corrected_publication_numac": null
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Agents in non-specialised wholesale trade46190

Names & trade names

Legal nameNL

HannElke

Similar companies Comparable size · 2,471 of 6,183 companies in this sector with filed accounts

GROUPE PIAGNERELLI & CIE BE 0841.714.530 · Charleroi

HORIZON ENERGIE BE 0544.930.261 · Philippeville

NEATWORK SOLUTIONS BE 0553.877.324 · Kinrooi

CLARIVIC BE 0501.659.749 · Waregem

ACCES DIRECT BE 0448.435.948 · Gembloux