Financials
Financial year 2025
HAS KREDIET from Gent, company number BE0454873283, closed financial year 2025 with a result of € -17,891 after tax. For that financial year HAS KREDIET recorded revenue of € 422,280 and equity of € 197,936. Compared with financial year 2024, the result moved from € 10,339 to € -17,891. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 22, 2026.
€ 197,936
▼ 8% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -17,891
▼ still € 10,339 profit in 2024
Profit after tax over the fiscal year.
€ 488
▼ 72% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -420,656.
People and assets in 2025
4.2
▲ 0.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 152,330
▲ 17% vs 2024
€ 36,300 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 955
▼ 20% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 52,590
▼ 22% vs 2024
€ 15,663 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 23,174
▼ 57% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 54,907
▲ 4% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | - | - | € 329,952 | € 422,280 | ▲ 28% |
| Gross margin | € 30,544 | € 118,143 | € 148,691 | € 157,325 | ▲ 6% |
| Profit after taxes | € -40,128 | € -7,700 | € 10,339 | € -17,891 | ▼ € 28,230 |
| Equity | € 213,188 | € 205,489 | € 215,828 | € 197,936 | ▼ 8% |
| Total debts | € 153,118 | € 190,401 | € 221,029 | € 135,790 | ▼ 39% |
| Cash | € 4,665 | € 608 | € 1,770 | € 488 | ▼ 72% |
| Retained profit | € -405,404 | € -413,103 | € -402,764 | € -420,656 | ▼ € 17,892 |
| Bank debt | € 93,344 | € 80,383 | € 67,443 | € 52,590 | ▼ 22% |
| Balance sheet total | € 366,305 | € 395,890 | € 436,857 | € 333,727 | ▼ 24% |
| Employees (FTE) | - | - | 4 | 4.2 | ▲ 0.2 |
Key figures of HAS KREDIET, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to HAS KREDIET?
What happened at HAS KREDIET in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 17,891 (▼ € 28,230 vs 2024). Source: NBB ↗
- New establishment in Gent. KBO
- Start of the company according to the CBE. KBO
In short
From € 40,128 loss in 2022 to € 17,891 loss in 2025.
Paid € 1,687 in corporate taxes since 2022.
Best year ever: 2024, with € 10,339 profit.
On average € 37,500 of value added per employee in 2025.
Establishments
Establishment units
Physical locations of this company
Sleepstraat 186 box A
9000 Gent
Sleepstraat 186
9000 Gent
Active since 28 April 1995
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0454.873.283
- VAT number
- BE 0454.873.283
- Registered office
- Sleepstraat 186 bus A, 9000 Gent
- Names & denominations
- HAS KREDIET
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 March 1995
- Peppol
- Active · Active since 11 Dec 2025
- Contact
- [email protected]
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars