HEAD TO HEART
ActiveSummary
HEAD TO HEART has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €197k and a net result of €46k. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 68% of 1901 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▲+6
Solvency98▲+3
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 3.94 against 3.91 in 2024; short-term debt: 16.5% and cash: 8.2% of total assets), and 26.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← 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
73.1%
Return on assets
17.1%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
31 d late
2024
3 d early
2023
34 d early
2022
4 d early
2021
40 d early
2020
9 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€197k▲ 15.2%
2024 · €171k
2020: €41k
2021: €94k
2022: €130k
2023: €156k
2024: €171k
2020 → 2025
Total assets
€269k▲ 9.9%
2024 · €245k
2020: €65k
2021: €125k
2022: €183k
2023: €176k
2024: €245k
2020 → 2025
Net result
€46k▲ 53.0%
2024 · €30k
2020: €35k
2021: €54k
2022: €36k
2023: €25k
2024: €30k
2020 → 2025
Working capital
€130k▲ 26.8%
2024 · €103k
2020: €27k
2021: €73k
2022: €107k
2023: €135k
2024: €103k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€94k-€130k▲ 38.1%€156k▲ 19.4%€171k▲ 9.6%€197k▲ 15.2%
Operating result€71k-€50k▼ 30.4%€38k▼ 24.1%€36k▼ 3.3%€44k▲ 21.8%
Net result€54k-€36k▼ 33.0%€25k▼ 29.5%€30k▲ 18.2%€46k▲ 53.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 22% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €269k
Fixed assets
€94k ▼ 11.7%
Current assets
€175k ▲ 26.5%
Equity and liabilities €269k
Equity
€197k ▲ 15.2%
Debt
€72k ▼ 2.3%
Debt's share of the balance-sheet total falls from 30.3% to 26.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€63k▲
2024 · €50k
Cash flow
€64k▲
2024 · €44k
Current ratio
3.94▲
2024 · 3.91
Debt to equity
0.37▼
2024 · 0.43
ROE
23.3%▲
2024 · 17.6%
ROA
17.1%▲
2024 · 12.2%
Interest coverage
19.51▲
2024 · 16.61
Debt ≤ 1 year
€44k▲
2024 · €35k
Debt > 1 year
€28k▼
2024 · €39k
Income taxes
€16k▲
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€245k€269k▲
Fixed assets21/28€107k€94k▼
Tangible fixed assets22/27€107k€94k▼
Land and buildings22€32k€31k▼
Furniture and vehicles24€68k€58k▼
Other tangible fixed assets26€7k€5k▼
Current assets29/58€138k€175k▲
Amounts receivable within one year40/41€35k€33k▼
Trade receivables40€29k€33k▲
Other amounts receivable41€6k€233▼
Current investments50/53€92k€116k▲
Cash at bank and in hand54/58€4k€22k▲
Deferred charges and accrued income490/1€7k€4k▼
Equity and liabilities
Total equity and liabilities10/49€245k€269k▲
Equity10/15€171k€197k▲
Contributions10/11€6k€6k=
Reserves13€165k€191k▲
Distributable reserves133€165k€191k▲
Amounts payable17/49€74k€72k▼
Amounts payable after more than one year17€39k€28k▼
Financial debts170/4€39k€28k▼
Amounts payable within one year42/48€35k€44k▲
Current portion of amounts payable after more than one year42€10k€11k▲
Trade debts44€559€4k▲
Suppliers440/4€559€4k▲
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€2k€4k▲
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€20k€22k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€18k▲
Other operating charges640/8€5k€1k▼
Gross operating margin9900€55k€64k▲
Operating profit (loss)9901€36k€44k▲
Financial income75/76B€3k€21k▲
Recurring financial income75€3k€21k▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€36k€62k▲
Income taxes67/77€6k€16k▲
Profit (loss) for the period9904€30k€46k▲
Profit (loss) for the period to be appropriated9905€30k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€46k▲
Transfer from equity791/2-€20k
Transfer to equity691/2€15k€46k▲
To other reserves6921€15k€46k▲
Profit to be distributed694/7€15k€20k▲
Return on contributions (dividend)694€15k€20k▲
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €25k ▼29.5%
Net result drops to €25k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 7.72
Current ratio from 3.03 to 7.72; short-term debt falls from €52k to €20k.
31-12
Financial
Equity above €150kEq €156k ▲19.4%
4 profitable years in a row build equity to €156k.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €130k ▲38.1%
3 profitable years in a row build equity to €130k.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2020net €54k ▲54.5%
Operating result €71k, net result €54k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Jette · 1 establishment unit since 2020
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.
Pannenhuisstraat 1411090 JetteGround area
202 m²
Building footprint
78 m²
Volume, LiDAR
650 m³
Parcel 21464D0108/00R000, Brussels · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HEAD TO HEART
since 20202.301.586.702
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21464D0108/00R000 | Brussels | 202 m² | 1 · 78 m² | 12.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
69940092PPVI16UT9J54
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Of 2,789 companies in sector 63910 we hold annual accounts for 700. 483 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-04-2020
Fiscal year end31-12
Activities, NACEBEL 2025
63910Web portal activities
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.