Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
Summary
Conclusion
the dossier summarised in one paragraphHEB is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €74k and a net result of €42k. Its solvency ranks better than 51% of 1211 sector peers (fiscal year 2025). 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.
Signals
1 signal · with evidenceSignals 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-wide| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-06-2025 | 31-01-2026 | 30-01-2026 | 1 d early | 2026-00019582 |
| 30-06-2024 | 31-01-2025 | 28-01-2025 | 3 d early | 2025-00012367 |
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 signalsAdministrative Flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Annual accounts & ratios
Source: NBB · 2025| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 48.3% | 47.4% | |
| Net result | €42k | €43k | |
| Equity | €74k | €85k | |
| Gross operating margin | €101k | €70k | |
| Total assets | €154k | €211k |
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €42k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €21k |
| Dividends | - |
| Total assets | €154k |
| Equity | €74k |
| Debt | €42k |
| of which ≤ 1y | €41k |
| of which > 1y | - |
| Working capital | n/a |
| Employees (FTE) | - |
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 48.3% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 27.6% |
| ROE | 57.1% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €154k |
| Fixed assets | 21/28 | €7k |
| Financial fixed assets | 28 | €7k |
| Current assets | 29/58 | €147k |
| Amounts receivable within one year | 40/41 | €86k |
| Cash & bank | 54/58 | €62k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €154k |
| Equity | 10/15 | €74k |
| Contributions / capital | 10/11 | €3k |
| Reserves | 13 | €29k |
| Accumulated profits (losses) | 14 | €42k |
| Provisions & deferred taxes | 16 | €38k |
| Amounts payable | 17/49 | €42k |
| Amounts payable within one year | 42/48 | €41k |
| Trade debts payable within one year | 44 | €4k |
| Income statement | ||
| Gross operating margin | 9900 | €101k |
| Operating result | 9901 | €63k |
| Financial income | 75 | €136 |
| Financial charges | 65 | €160 |
| Result before taxes | 9903 | €63k |
| Income taxes | 67/77 | €21k |
| Net result for the period | 9904 | €42k |
| Result to be appropriated | 9905 | €42k |
Health barometer
FY 2025 · computedStructure & network
Connections & network
1 connected companyLocations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationReal-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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44809I0585/00E002 | Flanders | 813 m² | 1 · 344 m² | 9.4 m · 3 fl. |
Publications
Lifecycle & Insolvency Signals
Belgian State Gazette · acts
That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source and are complete.
Analysis
Snowflake analysis
financial profile on 5 axesStrong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
Ask AI about this company
Checked AISoon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.
AI due-diligence brief
Checked AIGenerate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameNL | HEB |