K.F. H
ActiveThe computed 12-month bankruptcy probability of K.F. H is 3.8% (moderate). The 2025 annual accounts show equity of €57k and a net result of €4k. Equity is growing by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 32% of 13270 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▲+3
Solvency34▲+2
Growth52=
Track record94
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.52 against 0.28 in 2024; short-term debt: 22.4% and cash: 7% of total assets), and 91.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
8.6%
Return on assets
0.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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.
NBB · 4 filingsDeviation from the deadline
2025
30 d late
2024
29 d late
2023
22 d late
2022
60 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€57k▲ 8.4%
2024 · €52k
2022: €29k
2023: €66k
2024: €52k
2022 → 2025
Total assets
€663k▼ 5.2%
2024 · €700k
2022: €145k
2023: €225k
2024: €700k
2022 → 2025
Net result
€4k
2024 · €-13k
2022: €25k
2023: €36k
2024: €-13k
2022 → 2025
Working capital
€-71k▲ 24.9%
2024 · €-94k
2022: €-70k
2023: €-16k
2024: €-94k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€29k-€66k▲ 124%€52k▼ 20.2%€57k▲ 8.4%
Operating result€45k-€60k▲ 31.8%€-1k€36k
Net result€25k-€36k▲ 43.1%€-13k€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €36k after a loss of €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €663k
Fixed assets
€586k▼ 11.8%
Current assets
€78k▲ 117%
Equity and liabilities €663k
Equity
€57k▲ 8.4%
Debt
€607k▼ 6.3%
The debt ratio falls from 92.5% to 91.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€125k▲
2024 · €54k
Cash flow
€94k▲
2024 · €42k
Solvency
8.6%▲
2024 · 7.5%
Current ratio
0.52▲
2024 · 0.28
Quick ratio
0.52▲
2024 · 0.28
Debt / equity
10.67▼
2024 · 12.35
ROE
7.7%▲
2024 · -25.3%
ROA
0.7%▲
2024 · -1.9%
Interest coverage
3.92=
2024 · 3.92
Debt
€607k▼
2024 · €648k
Debt ≤ 1 year
€148k▲
2024 · €130k
Debt > 1 year
€458k▼
2024 · €518k
Staff costs
€180k▲
2024 · €150k
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€700k€663k▼
Fixed assets21/28€664k€586k▼
Intangible fixed assets21€72k€60k▼
Tangible fixed assets22/27€592k€525k▼
Land and buildings22€408k€391k▼
Plant, machinery and equipment23€26k€24k▼
Furniture and vehicles24€62k€39k▼
Leasing and similar rights25€66k€42k▼
Other tangible fixed assets26€30k€29k▼
Current assets29/58€36k€78k▲
Amounts receivable within one year40/41€27k€32k▲
Trade receivables40-€3k
Other amounts receivable41€27k€29k▲
Cash at bank and in hand54/58€9k€46k▲
Equity and liabilities
Total equity and liabilities10/49€700k€663k▼
Equity10/15€52k€57k▲
Contributions10/11€4k€4k=
Reserves13€50k€50k=
Distributable reserves133€50k€50k=
Profit (loss) carried forward14€-2k€3k▲
Amounts payable17/49€648k€607k▼
Amounts payable after more than one year17€518k€458k▼
Financial debts170/4€518k€458k▼
Amounts payable within one year42/48€130k€148k▲
Current portion of amounts payable after more than one year42€75k€63k▼
Trade debts44€17k€36k▲
Suppliers440/4€17k€36k▲
Advances received on contracts in progress46€543-
Taxes, remuneration and social security45€30k€38k▲
Taxes450/3€4k€11k▲
Remuneration and social security454/9€26k€27k▲
Other amounts payable47/48€7k€11k▲
Income statement
Code20242025
Remuneration, social security and pensions62€150k€180k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€89k▲
Other operating charges640/8€3k€3k▲
Non-recurring operating charges66A-€3k
Gross operating margin9900€207k€311k▲
Operating profit (loss)9901€-1k€36k▲
Financial income75/76B€14€127▲
Recurring financial income75€14€127▲
Financial charges65/66B€14k€32k▲
Recurring financial charges65€14k€32k▲
Profit (loss) for the period before taxes9903€-15k€4k▲
Income taxes67/77€-2k-
Profit (loss) for the period9904€-13k€4k▲
Profit (loss) for the period to be appropriated9905€-13k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€3k▲
Profit (loss) brought forward from the previous period14P€12k€-2k▼
The notes to these accounts (9 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-13k ▼137%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
Financial
Highest result since 2022net €36k ▲43.1%
Operating result €60k, net result €36k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Villers-le-Bouillet · 1 establishment unit since 2021
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.
Rue Hochets 204530 Villers-le-BouilletGround area
1,415 m²
Building footprint
107 m²
Volume, LiDAR
804 m³
2 parcels, Wallonia · tallest building 8.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
K.F. H
since 20212.328.680.285
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61068B0820/00M006 | Wallonia | 1,252 m² | 1 · 43 m² | 8.7 m · 2 fl. |
| 62342B0591/00Z017 | Wallonia | 163 m² | 1 · 64 m² | 8.9 m · 3 fl. |
Linked by address, not proof of ownership
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSeraing2.328.680.285
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CONSULTASS
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ADILYA
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 8,336 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2021
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.