Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 35 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
43 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
HAFO from Namur, company number BE0891295386, closed financial year 2025 with a result of € -12,040 after tax. For that financial year HAFO recorded revenue of € 8.2 million and equity of € 23,774. Compared with financial year 2024, the result moved from € 34,077 to € -12,040. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 28, 2026.
€ 23,774
▼ 34% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -12,040
▼ still € 34,077 profit in 2024
Profit after tax over the fiscal year.
€ 61,890
▲ 6% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 17,574.
People and assets in 2025
16.1
▲ 2.9 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 577,941
▲ 19% vs 2024
€ 35,900 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.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 465,237
▲ 73% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 102,506
▲ 7% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | - | - | - | € 8,158,608 | |
| Gross margin | € 335,591 | € 428,836 | € 528,385 | € 645,027 | ▲ 22% |
| Profit after taxes | € -42,081 | € 20,683 | € 34,077 | € -12,040 | ▼ € 46,117 |
| Equity | € -18,945 | € 1,738 | € 35,815 | € 23,774 | ▼ 34% |
| Total debts | € 332,675 | € 318,707 | € 365,168 | € 568,243 | ▲ 56% |
| Cash | € 57,881 | € 75,624 | € 58,397 | € 61,890 | ▲ 6% |
| Retained profit | € -25,145 | € -4,462 | € 29,615 | € 17,574 | ▼ 41% |
| Balance sheet total | € 313,730 | € 320,445 | € 400,983 | € 592,017 | ▲ 48% |
| Employees (FTE) | 12.4 | 11.3 | 13.2 | 16.1 | ▲ 2.9 |
Key figures of HAFO, 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 HAFO?
What happened at HAFO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 12,040 (▼ € 46,117 vs 2024). Source: NBB ↗
- VDARDENNE became a director. NBB
- GDELHAYE became a director. NBB
- ELICAM became a director. NBB
- J-CF became a director. NBB
- DATAM became a director. NBB
- New establishment in Huy. KBO
- New establishment in Waremme. KBO
In short
From € 42,081 loss in 2022 to € 12,040 loss in 2025.
Paid € 785 in corporate taxes since 2022.
Best year ever: 2024, with € 34,077 profit.
On average € 40,100 of value added per employee in 2025.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of J.V.P. comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
HAFOBehind HAFO are VDARDENNE, GDELHAYE, ELICAM, J-CF and DATAM. The shares are held by J.V.P. (100%).
Directors
According to the 2025 annual accounts
Director · represented by Vincent Dardenne
Owns 10% via J.V.P.
Also active at: SOCIETE D'INVESTISSEMENTS DE GESTION ET D'INFORMATIQUE MARCHOISE, WINE & MORE, J.V.P., 2milleD, N.S., POINT CARRE, I.M., ENTREPOT 97 +33 more
since 2026
Director · represented by Guillaume Delhaye
Owns 4% via J.V.P.
Also active at: J.V.P., G.D.C., N.S., POINT CARRE, I.M., NIGHT 15, AGATHOPEDE, PVJ +27 more
since 2026
Director · represented by Philippe Clinet
Owns 10% via J.V.P.
Also active at: SOCIETE D'INVESTISSEMENTS DE GESTION ET D'INFORMATIQUE MARCHOISE, WINE & MORE, J.V.P., LESCOOP, 2milleD, N.S., POINT CARRE, I.M. +32 more
since 2026
Director · represented by Jean-Christophe Filée
Also active at: J.V.P., LE BOUFFON DU ROI, N.S., POINT CARRE, I.M., ENTREPOT 97, NIGHT 15, AGATHOPEDE +29 more
since 2026
Director · represented by Daniel Tamigniau
Owns 12.7% via J.V.P.
Also active at: SOCIETE D'INVESTISSEMENTS DE GESTION ET D'INFORMATIQUE MARCHOISE, WINE & MORE, J.V.P., LE BOUFFON DU ROI, W-IMM, 2milleD, G.D.C., N.S. +34 more
since 2026
Shareholders
J.V.P. · holding of DATAM
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Avenue Albert 1er 97
5000 Namur
Chaussée de Louvain,H.-M. 23
1320 Beauvechain
Active since 1 September 2007
Rue Porte de Liège 59
4300 Waremme
Active since 9 October 2018
Rue de Huy(VIE) 257
4317 Faimes
Active since 5 July 2021
Chaussée Romaine (War) 218
4300 Waremme
Active since 3 June 2024
Quai d'Arona 12
4500 Huy
Active since 29 April 2025
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 43 companies are registered at this address.
All companies at this address →WINE & MORE same network
€ 234,084 gross margin · 2025
J.V.P. same network
€ 16.5 million revenue · 2025
LE BOUFFON DU ROI same network
€ 179,508 gross margin · 2025
2milleD same network
€ 808,798 gross margin · 2025
G.D.C. same network
€ 912,912 gross margin · 2025
+38 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0891.295.386
- VAT number
- BE 0891.295.386
- Registered office
- Avenue Albert 1er 97, 5000 Namur
- Names & denominations
- HAFO
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 7 August 2007
- Peppol
- Active · Active since 20 Nov 2020
- Activities · NACE
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