Active BE 0775.311.694Private limited company

Have a roll

Kernenergiestraat 45 ·2610 Antwerpen, Belgium· 4 yrs active

Sector: Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden (56112)

Conclusion Checked

The computed 12-month bankruptcy probability of Have a roll is 10.6% (high). The 2024 annual accounts show equity of €526k and a net result of €236k. Its solvency ranks better than 67% of 552 sector peers (fiscal year 2024). 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 2 annual accounts.

Key figures

Equity	€526k
Net result	€236k
Staff (FTE)	5.9
Better than sector	67%

Financial profile 5 of 5 axes measured · computed by Checked

84 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 89

Profitability 100

Solvency 61

Growth 78

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

10.6% High

0%0,5%1,5%4%10%≥25%

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

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 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 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

89 / 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.

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 27-08-2025 with the NBB · fiscal year 2024 · verkort

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	33.8%	18.9%	better than 67% of 552 sector peers
Net result	€236k	€19k	better than 94% of 551 sector peers
Equity	€526k	€64k	better than 91% of 552 sector peers
Gross operating margin	€658k	€293k	better than 77% of 549 sector peers
Staff costs	€234k	€239k	higher than 49% of 478 sector peers

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

EBITDA

€413k

+27.4% 23-24

Net profit

€236k

+13.9% 23-24

Cash flow

€303k

+29.5% 23-24

Total assets

€1.56M

+176.9% 23-24

Equity

€526k

+81.5% 23-24

Working capital

€127k

+63.5% 23-24

Employees (FTE)

6

+145.8% 23-24

Staff costs

€234k

+135.1% 23-24

Show 11 other metrics

Income taxes

€55k

-10.4% 23-24

Debt

€1.03M

+278.4% 23-24

Debt ≤ 1y

€346k

+34.0% 23-24

Debt > 1y

€681k

+5821.7% 23-24

Current ratio

1.37

+5.1% 23-24

Quick ratio

1.24

+2.8% 23-24

Solvency

33.8%

-34.5% 23-24

Debt / equity

1.96

+108.5% 23-24

ROE

44.9%

-37.3% 23-24

ROA

15.2%

-58.9% 23-24

Interest coverage

7.18

-35.8% 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	verkort
Revenue	-
EBITDA	€413k
Net profit	€236k
Cash flow	€303k
Staff costs	€234k
Income taxes	€55k
Dividends	-
Total assets	€1.56M
Equity	€526k
Debt	€1.03M
of which ≤ 1y	€346k
of which > 1y	€681k
Working capital	€127k
Employees (FTE)	5.9

Ratios (computed)

	2024
Current ratio	1.37
Quick ratio	1.24
Working capital ratio	8.2%
Solvency	33.8%
Debt / equity	1.96
Long-term debt ratio	1.30
Interest coverage	7.18
Gross margin	-
Net margin	-
ROA	15.2%
ROE	44.9%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €1.08M · 69.6% Current assets €473k · 30.4%

Equity & liabilities

Equity €526k · 33.8% Debt €1.03M · 66.2%

Full annual accounts (24 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	€1.56M
Fixed assets	21/28	€1.08M
Tangible fixed assets	22/27	€1.05M
Financial fixed assets	28	€29k
Current assets	29/58	€473k
Stocks & contracts in progress	3	€44k
Amounts receivable within one year	40/41	€332k
Cash & bank	54/58	€81k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.56M
Equity	10/15	€526k
Contributions / capital	10/11	€1k
Reserves	13	€525k
Amounts payable	17/49	€1.03M
Amounts payable after one year	17	€681k
Amounts payable within one year	42/48	€346k
Trade debts payable within one year	44	€137k
Income statement
Gross operating margin	9900	€658k
Operating result	9901	€346k
Financial income	75	€2k
Financial charges	65	€58k
Result before taxes	9903	€291k
Income taxes	67/77	€55k
Net result for the period	9904	€236k
Result to be appropriated	9905	€236k

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 5 directors

Directors derived from a single State Gazette act, under verification

All 3 current directors first appear in the same act (25012155). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.

Current directors & mandates

CommV DVP
Non-statutory director
State Gazette act 25012155 (24-01-2025)

Current
01-10-2024 → present
CommV VIVER
Non-statutory director
State Gazette act 25012155 (24-01-2025)

Current
01-10-2024 → present
CommV WYLI
Non-statutory director
State Gazette act 25012155 (24-01-2025)

Current
01-10-2024 → present

Former directors (2)

Dennis Van Peel
Non-statutory director
State Gazette act 25012155 (24-01-2025)

Former
- → 01-10-2024
Lisa Wynen
Non-statutory director
State Gazette act 25012155 (24-01-2025)

Former
- → 01-10-2024

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	Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden(56112)
Legal form	Private limited company(610)
Incorporation	05-10-2021
Status	Active
Postal code	2610

Establishment units 8 locations

Have a roll Antwerpen

Oudaan 15, 2000 AntwerpenAmbachtelijke vervaardiging van brood en van vers banketbakkerswerk

since 20212.322.808.817

Have a Roll Gent

Koestraat 12, 9000 GentAmbachtelijke vervaardiging van brood en van vers banketbakkerswerk

since 20212.330.277.421

Have A Roll (Bakkerij)

Kernenergiestraat 45, 2610 AntwerpenAmbachtelijke vervaardiging van brood en van vers banketbakkerswerk

since 20222.338.766.703

Have A Roll Brussel

Baljuwstraat 4, 1050 ElseneAmbachtelijke vervaardiging van brood en van vers banketbakkerswerk

since 20232.338.766.802

Have A Roll Leuven

Leopold Vanderkelenstraat 17, 3000 LeuvenAmbachtelijke vervaardiging van brood en van vers banketbakkerswerk

since 20252.371.306.441

HAVE A ROLL BRUGGE

Geldmuntstraat 4, 8000 BruggeAmbachtelijke vervaardiging van brood en van vers banketbakkerswerk

since 20252.378.688.141

Show 2 more locations

Have A Roll Wijnegem

Turnhoutsebaan 5, 2110 WijnegemAmbachtelijke vervaardiging van brood en van vers banketbakkerswerk

since 20262.385.103.405

Have A Roll Mechelen

Bruul 22, 2800 MechelenAmbachtelijke vervaardiging van brood en van vers banketbakkerswerk

since 20262.387.670.242

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 7 (87.5%) Brussels 1 (12.5%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11050B0010/00E002	Flanders	5.6 ha	1 · 4.9 ha	27.4 m · 4 fl.
11463D0411/00R002	Flanders	9,861 m²	1 · 130 m²	-
11804D1572/00R000	Flanders	5,225 m²	1 · 1,649 m²	16.2 m · 3 fl.
24502B0688/00F002 ProtectedTownscape or village viewBondgenotenlaanSource ↗	Flanders	281 m²	1 · 266 m²	27.6 m · 8 fl.
21447B0220/00C011indicative ProtectedMonumentVoormalig atelier CrickSource ↗	Brussels	171 m²	1 · 173 m²	17.2 m · 4 fl.
44803C0790/00B000	Flanders	115 m²	1 · 122 m²	16.5 m · 4 fl.
12025D0038/00R000	Flanders	90 m²	1 · 90 m²	13.8 m · 3 fl.
31804D0385/00C000 ProtectedMonument · Townscape or village viewHoekhuisSource ↗	Flanders	69 m²	1 · 67 m²	17.6 m · 5 fl.

Methodology

via registered seat: 1 · via establishment units: 7

7 of 8 parcels with an exact address match; the rest are indicative.

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

3 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).

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

27-08-2025

NBB filing Annual accounts filed

fiscal year 2024 · verkort

24-01-2025

State Gazette act Director changes

2024

27-08-2024

NBB filing Annual accounts filed

fiscal year 2023 · verkort

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 1 year ago

2025

24-01-2025 3 directors appointed, 2 resigning Director changes

CommV DVP, Niet-statutair bestuurder
CommV WYLI, Niet-statutair bestuurder
CommV VIVER, Niet-statutair bestuurder
Dennis Van Peel, Niet-statutair bestuurder
Lisa Wynen, Niet-statutair bestuurder

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "director_out",
      "role": "niet_statutaire_bestuurder",
      "person": {
        "rrn": null,
        "name": "Dennis Van Peel",
        "address": "Turmhoutsebaan 66 bus 4, 2140 Antwerpen",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": null,
      "effective_date": "2024-10-01",
      "evidence_quote": "De algemene vergadering beslist tot het ontslag van Dennis Van Peel, met woonplaats te 2140 Antwerpen, Turmhoutsebaan 66 bus 4, als niet-statutaire bestuurder, en dit met ingang op 01/10/2024.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_out",
      "role": "niet_statutaire_bestuurder",
      "person": {
        "rrn": null,
        "name": "Lisa Wynen",
        "address": "Kerkstraat 2 bus 402, 2060 Antwerpen",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": null,
      "effective_date": "2024-10-01",
      "evidence_quote": "De algemene vergadering beslist tot het ontslag van Lisa Wynen, met woonplaats te 2060 Antwerpen, Kerkstraat 2 bus 402, als niet-statutaire bestuurder, en dit met ingang op 01/10/2024.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "niet_statutaire_bestuurder",
      "person": {
        "rrn": "BE1.012.430.768",
        "name": "CommV DVP",
        "address": "Turnhoutsebaan 66 bus 4, 2140 Antwerpen",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": false,
      "effective_date": "2024-10-01",
      "evidence_quote": "De algemene vergadering beslist tot de benoeming van CommV DVP (BE1.012.430.768), met zetel te 2140 Antwerpen Turnhoutsebaan 66 bus 4, vertegenwoordigd door Dennis Van Peel, met woonplaats te 2140 Antwerpen, Turnhoutsebaan 66 bus 4, als niet-statutaire bestuurder, en dit met ingang op 01/10/2024.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "niet_statutaire_bestuurder",
      "person": {
        "rrn": "BE1.012.913.689",
        "name": "CommV WYLI",
        "address": "Kerkstraat 2 bus 402, 2060 Antwerpen",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": false,
      "effective_date": "2024-10-01",
      "evidence_quote": "De algemene vergadering beslist tot de benoeming van CommV WYLI (BE1.012.913.689), met zetel te 2060 Antwerpen Kerkstraat 2 bus 402, vertegenwoordigd door Lisa Wynen, met woonplaats te 2060 Antwerpen, Kerkstraat 2 bus 402, als niet-statutaire bestuurder, en dit met ingang op 01/10/2024.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "niet_statutaire_bestuurder",
      "person": {
        "rrn": "BE1.012.529.847",
        "name": "CommV VIVER",
        "address": "Turnhoutsebaan 66 bus 4, 2140 Antwerpen",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": false,
      "effective_date": "2024-10-01",
      "evidence_quote": "De algemene vergadering beslist tot de benoeming van CommV VIVER (BE1.012.529.847), met zetel te 2140 Antwerpen, Turnhoutsebaan 66 bus 4, vertegenwoordigd door Ruben van de Sande, met woonplaats te 2140 Antwerpen, Turnhoutsebaan 66 bus 4, als niet-statutaire bestuurder, en dit met ingang op 01/10/20",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "board_snapshot",
      "role": "niet_statutaire_bestuurder",
      "person": null,
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "niet_statutair",
      "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
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2025-01-24",
    "filing_date": "2025-01-14",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2024-10-01",
      "unanimous": true
    },
    {
      "body": "algemene_vergadering",
      "date": "2024-10-01",
      "unanimous": true
    },
    {
      "body": "algemene_vergadering",
      "date": "2024-10-01",
      "unanimous": true
    },
    {
      "body": "algemene_vergadering",
      "date": "2024-10-01",
      "unanimous": true
    },
    {
      "body": "algemene_vergadering",
      "date": "2024-10-01",
      "unanimous": true
    },
    {
      "body": "algemene_vergadering",
      "date": "2024-10-16",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0775.311.694",
    "name_full": "Have a roll",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Detailhandel in brood en banketbakkerswerk (koude bakkers)47241Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk10712Cafés en bars56301

Primary activity highlighted.

Names & trade names

Legal nameNL

Have a roll

Registered office

Kernenergiestraat 45

2610 Antwerpen, Belgium

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

Similar companies Comparable size · 2,998 of 21,791 companies in this sector with filed accounts

SUSHI SHOP LOUISE BE 0891.264.902 · Elsene

FRIETSALON BE 0824.544.441 · Brugge

KANTOS BE 0808.764.026 · Brugge

EC WANG BE 0781.681.428 · Maaseik

Tielen Dario BE 0772.359.629 · Zelzate