ACTIVE

HAS KREDIET

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Financial year 2025 · closed on 31/12/2025

Net result

-17,9 k €

-273.0% YoY

Revenue

422,3 k €

+28.0% YoY

Equity

197,9 k €

-8.3% YoY

Workforce

4,2 ETP

+5.0% YoY

What does HAS KREDIET do?

HAS KREDIET is a Private limited company incorporated in 1995. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Gent. It employs on average 4,2 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0454.873.283

Incorporation

29/03/1995

Legal form

Private limited company

Registered office

Sleepstraat 186 box A
9000 Gent · FlandreSee on map

Contributed capital

618 592,01 €

Latest accounts

31/12/2025

Average workforce

4,2 ETP

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers

Joint committees (2)

Contacts

1 public detail availableLog in to view

Signals

Solid equityGood liquidity

View the BCE/KBO Public Search record →

Health score

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✦ Verdict · Analyst summary

Financials

Trend over 17 financial years

	2025		2024		2023		2022		2021		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007
Income statement
Revenue	422,3 k €	+28.0%	330 k €		–		–		–		–		–		–		–		–		–		–		–		–		–		–		–
EBITDA	-22,1 k €	-2526%	910 €	+107%	-13,7 k €	+73.6%	-51,9 k €	-1201%	4,7 k €	-87.1%	36,7 k €	-59.2%	90,1 k €	-45.3%	164,7 k €	+86.9%	88,1 k €	+392%	-30,1 k €	+84.2%	-191,2 k €	-6581%	3 k €	-96.9%	94,9 k €	+163%	36,1 k €	+243%	10,5 k €	-76.7%	45,2 k €	-63.0%	122,1 k €
Operating result	-25,2 k €	-2908%	897 €	+107%	-13,7 k €	+73.6%	-51,9 k €	-1282%	4,4 k €	-87.9%	36,4 k €	-59.3%	89,5 k €	-45.0%	162,8 k €	+99.4%	81,7 k €	+315%	-38 k €	+80.9%	-199,4 k €	-1881%	-10,1 k €	-114%	72,5 k €	+665%	-12,8 k €	+68.0%	-40,1 k €	-108%	-19,3 k €	-154%	-7,6 k €
Net result	-17,9 k €	-273%	10,3 k €	+234%	-7,7 k €	+80.8%	-40,1 k €	-343%	16,5 k €	+554%	-3,6 k €	+89.5%	-34,6 k €	-162%	55,7 k €	+217%	-47,7 k €	+72.2%	-171,4 k €	+14.2%	-199,8 k €	-1257%	-14,7 k €	-145%	32,7 k €	+246%	-22,4 k €	+43.3%	-39,4 k €	-41.5%	-27,9 k €	+59.8%	-69,3 k €
Balance sheet
Equity	197,9 k €	-8.3%	215,8 k €	+5.0%	205,5 k €	-3.6%	213,2 k €	-15.8%	253,3 k €	+104%	124,5 k €	-2.8%	128,1 k €	-21.2%	162,7 k €	+52.0%	107 k €	+124%	-445,2 k €	-62.6%	-273,8 k €	-270%	-74,1 k €	-24.8%	-59,4 k €	+35.6%	-92,1 k €	-12.1%	-82,2 k €	-92.4%	-42,7 k €	-188%	-14,8 k €
Total assets	333,7 k €	-23.6%	436,9 k €	+10.3%	395,9 k €	+8.1%	366,3 k €	-7.1%	394,4 k €	+10.7%	356,2 k €	+11.2%	320,2 k €	+43.9%	222,5 k €	-19.0%	274,8 k €	-27.5%	379,1 k €	+109%	181,1 k €	+99.9%	90,6 k €	-23.5%	118,3 k €	-23.6%	154,9 k €	-39.0%	254,1 k €	-12.8%	291,2 k €	-16.2%	347,5 k €
Cash	487,6 €	-72.5%	1,8 k €	+191%	608 €	-87.0%	4,7 k €	+15680%	29,6 €	-99.2%	3,9 k €	+24.3%	3,2 k €	-60.0%	7,9 k €	-59.0%	19,2 k €	+104%	9,4 k €	+575%	1,4 k €	+47.0%	949 €	-81.6%	5,2 k €	+113%	2,4 k €	-94.6%	44,6 k €	-20.6%	56,2 k €	+2.6%	54,7 k €
Debts	133,3 k €	-39.0%	218,5 k €	+16.3%	187,9 k €	+24.8%	150,6 k €	+13.7%	132,5 k €	-41.1%	224,8 k €	+21.1%	185,6 k €	+248%	53,4 k €	-66.9%	161,1 k €	-80.4%	821,7 k €	+81.7%	452,3 k €	+179%	162 k €	-7.4%	175 k €	-28.4%	244,4 k €	-26.7%	333,6 k €	-0.1%	334 k €	-7.7%	361,8 k €
Other
Workforce	4,2 ETP	+5.0%	4,0 ETP		–		–		–		–		–		–		–		3,0 ETP	0.0%	3,0 ETP	+15.4%	2,6 ETP	-7.1%	2,8 ETP	+33.3%	2,1 ETP	+10.5%	1,9 ETP	-24.0%	2,5 ETP	-16.7%	3,0 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 100 k€ and 250 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 1 active · 5 ended

Active mandates

Hasan Cakir

Mandate

Active

Ended mandates

Kasteel Hemelrijk

Manager · since 14 février 2011 · 0829.791.844

Represented by Hasan Cakir

Ended

T.T. GENT

Manager · since 21 novembre 2006 · 0472.692.579

Represented by Hasan Cakir

Ended

Hasan Cakir

Director

Ended

Hasan Cakir

Manager

Ended

At this address

Other companies at this address

Company	CBE no.
HAS Group● Active	0675.378.435
Kasteel Hemelrijk● Active	0829.791.844
T.T. GENT● Active	0472.692.579
VLAAMSE MAATSCHAPPIJ VOOR HYPOTHECAIR KREDIET● Active	0462.236.672

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Abridged model	Micro model	Micro model	Micro model	Micro model
Start of the financial year	01/01/2025	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020
Closing of the financial year	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	22/07/2026	08/07/2025	10/09/2024	29/09/2023	25/08/2022	31/08/2021
General meeting	26/06/2026	25/06/2025	30/08/2024	29/09/2023	20/07/2022	31/08/2021
Currency of the financial year	EUR	EUR	EUR	EUR	EUR	EUR
NBB quality label	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls

Ratios

Financial ratios

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Filings

Annual accounts filings

19 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	26/06/2026	22/07/2026	Dutch	PDF
Abridged model	31/12/2024	25/06/2025	08/07/2025	Dutch	PDF
Micro model	31/12/2023	30/08/2024	10/09/2024	Dutch	PDF
Micro model	31/12/2022	29/09/2023	29/09/2023	Dutch	PDF
Micro model	31/12/2021	20/07/2022	25/08/2022	Dutch	PDF
Micro model	31/12/2020	31/08/2021	31/08/2021	Dutch	PDF
Micro model	31/12/2019	30/06/2020	31/07/2020	Dutch	PDF
Micro model	31/12/2018	07/06/2019	10/07/2019	Dutch	PDF
Micro model	31/12/2017	01/06/2018	17/07/2018	Dutch	PDF
Micro model	31/12/2016	30/06/2017	13/07/2017	Dutch	PDF
Abridged model	31/12/2015	19/08/2016	26/08/2016	Dutch	PDF
Abridged model	31/12/2014	30/06/2015	16/07/2015	Dutch	PDF
Abridged model	31/12/2013	04/06/2014	29/08/2014	Dutch	PDF
Abridged model	31/12/2012	07/06/2013	30/08/2013	Dutch	PDF
Abridged model	31/12/2011	04/06/2012	28/03/2013	Dutch	PDF
Abridged model	31/12/2010	04/06/2011	30/01/2012	Dutch	PDF
Abridged model	31/12/2009	04/06/2010	22/07/2010	Dutch	PDF
Abridged model	31/12/2008	07/06/2009	06/07/2010	Dutch	PDF
Abridged model	31/12/2007	06/06/2008	27/05/2010	Dutch	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 100 k€ and 250 k€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan

Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Governance

Board of directors

Seen on filing of 31/12/2025 · 1 active · 5 ended

Active mandates

Hasan Cakir

Mandate

Active

Ended mandates

Kasteel Hemelrijk

Manager · since 14 février 2011 · 0829.791.844

Represented by Hasan Cakir

Ended

T.T. GENT

Manager · since 21 novembre 2006 · 0472.692.579

Represented by Hasan Cakir

Ended

Hasan Cakir

Director

Ended

Hasan Cakir

Manager

Ended

Shareholders

Ownership and network

Looking for more information about this company?

Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates08/07/2020
WIJZIGING RECHTSVORM - ONTSLAGEN - BENOEMINGEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
PDF
Mandates26/03/2020
ONTSLAGEN - BENOEMINGEN - WIJZIGING RECHTSVORM
PDF
Capital / shares22/01/2016
KAPITAAL - AANDELEN
PDF
Mandates31/07/2015
ONTSLAGEN - BENOEMINGEN
PDF
Registered office16/05/2013
MAATSCHAPPELIJKE ZETEL
PDF
Registered office03/12/2012
MAATSCHAPPELIJKE ZETEL
PDF
Mandates10/03/2011
ONTSLAGEN - BENOEMINGEN
PDF
Capital / shares12/02/2007
DOEL - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - KAPITAAL - AANDELEN - BOEKJAAR
PDF

Source: Belgian Official Gazette

Competition

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

2025
Annual accounts 2025-17,9 k €↓
2024
Annual accounts 202410,3 k €↑
2023
Annual accounts 2023-7,7 k €↑
2022
Annual accounts 2022-40,1 k €↓
2021
Annual accounts 202116,5 k €↑
2018
Annual accounts 2018-3,6 k €↑
2017
Annual accounts 2017-34,6 k €↓
2016
Annual accounts 201655,7 k €↑
2015
Annual accounts 2015-47,7 k €↑
2014
Annual accounts 2014-171,4 k €↑
2013
Annual accounts 2013-199,8 k €↓
2012
Annual accounts 2012-14,7 k €↓
2011
Annual accounts 201132,7 k €↑
2010
Annual accounts 2010-22,4 k €↑
2009
Annual accounts 2009-39,4 k €↓
2008
Annual accounts 2008-27,9 k €↑
2007
Annual accounts 2007-69,3 k €
29/03/1995
IncorporationPrivate limited company

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

HAS KREDIET

Overview

What does HAS KREDIET do?

Trend over 17 financial years

Indicative valuation

Board of directors

Other companies at this address

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline