Age3 yrs
Real estate1 parcel · 4,165 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of HAPTO 3 COEURS is 0.8% (low). The 2024 annual accounts show negative equity (€-33k) and a net result of €-18k. Its solvency ranks better than 10% of 806 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.8%
Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceNegative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 29 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 26-08-2025 | 26 d late | 2025-00403781 |
| 31-12-2023 | 31-07-2024 | 30-08-2024 | 30 d late | 2024-00407278 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2023, 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 Flags
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.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-18k+3.1%
Working capital€-34k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 26-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 85 · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -63.9% | 41.3% | |
| Net result | €-18k | €7k | |
| Equity | €-33k | €19k | |
| Gross operating margin | €-13k | €19k | |
| Total assets | €52k | €55k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€-14k
-
23-24
€-18k
+3.1%
23-24
€-14k
-
23-24
€52k
+45.3%
23-24
€-33k
-112.4%
23-24
€-34k
-
23-24
€92
-
23-24
€85k
+65.7%
23-24
Show 8 other metrics
€57k
+215.1%
23-24
0.40
-79.7%
23-24
0.40
-79.7%
23-24
-63.9%
-46.2%
23-24
-2.56
+22.0%
23-24
52.9%
-54.4%
23-24
-33.8%
+33.3%
23-24
-67.58
-
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-14k |
| Net profit | €-18k |
| Cash flow | €-14k |
| Staff costs | - |
| Income taxes | €92 |
| Dividends | - |
| Total assets | €52k |
| Equity | €-33k |
| Debt | €85k |
| of which ≤ 1y | €57k |
| of which > 1y | - |
| Working capital | €-34k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.40 |
| Quick ratio | 0.40 |
| Working capital ratio | -65.4% |
| Solvency | -63.9% |
| Debt / equity | -2.56 |
| Long-term debt ratio | - |
| Interest coverage | -67.58 |
| Gross margin | - |
| Net margin | - |
| ROA | -33.8% |
| ROE | 52.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (22 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 | €52k |
| Fixed assets | 21/28 | €29k |
| Intangible fixed assets | 21 | €4k |
| Tangible fixed assets | 22/27 | €25k |
| Current assets | 29/58 | €23k |
| Amounts receivable within one year | 40/41 | €8k |
| Cash & bank | 54/58 | €13k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €52k |
| Equity | 10/15 | €-33k |
| Contributions / capital | 10/11 | €3k |
| Accumulated profits (losses) | 14 | €-36k |
| Amounts payable | 17/49 | €85k |
| Amounts payable within one year | 42/48 | €57k |
| Trade debts payable within one year | 44 | €26k |
| Income statement | ||
| Gross operating margin | 9900 | €-13k |
| Operating result | 9901 | €-17k |
| Financial income | 75 | €69 |
| Financial charges | 65 | €211 |
| Result before taxes | 9903 | €-17k |
| Income taxes | 67/77 | €92 |
| Net result for the period | 9904 | €-18k |
| Result to be appropriated | 9905 | €-18k |
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.
Health barometer
FY 2024 · computed15
/ 100
Critical
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.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationHAPTO 3 COEURS
since 20232.347.639.926
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area4,165 m²
Buildings1
Building footprint205 m²
Volume (LiDAR)1,029 m³
Tallest building8.6 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25083F0307/00D000 | Wallonia | 4,165 m² | 1 · 205 m² | 8.6 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgian State Gazette · acts
0 of 1 acts readWe know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.
Analysis
Financial profile
5 of 5 axes measured60
/ 100
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Health
15
Profitability
100
Solvency
33
Growth
58
Stability
94
Credit advice
verdict per customer and amountSimilar
Similar companies
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BE 1011.458.095 · Ottignies-Louvain-la-Neuve
BE 0443.966.129 · Grez-Doiceau
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 329 of the 11,684 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Overige vormen van onderwijs85599Overige onderwijsondersteunende dienstverlening85699Ambulante revalidatieactiviteiten86905Activiteiten op het gebied van kinesitherapie86951
Primary activity highlighted.
Names & trade names
| Legal nameFR | HAPTO 3 COEURS |
| AbbreviationFR | H3C |
Registered office
Avenue de Gasperi 15
1340 Ottignies-Louvain-la-Neuve, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.