HEPTAPOES
ActiveHEPTAPOES has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €207k and a net result of €52k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 95% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
97
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability99▲+24
Solvency100=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 22.73 against 16.3 in 2023; short-term debt: 4.2% and cash: 68.5% of total assets), and 4.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 2024Solvency, return and age of the figures
Solvency
95.6%
Return on assets
23.9%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-07-2025, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
28 d early
2023
8 d early
2022
42 d early
2021
11 d early
2020
1 d early
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€207k▲ 33.4%
2023 · €155k
2018: €209k
2019: €226k
2020: €169k
2021: €205k
2022: €247k
2023: €155k
2018 → 2024
Total assets
€217k▲ 31.5%
2023 · €165k
2018: €224k
2019: €240k
2020: €275k
2021: €220k
2022: €254k
2023: €165k
2018 → 2024
Net result
€52k▲ 485%
2023 · €9k
2018: €41k
2019: €17k
2020: €33k
2021: €36k
2022: €42k
2023: €9k
2018 → 2024
Working capital
€199k▲ 38.5%
2023 · €144k
2018: €189k
2019: €215k
2020: €157k
2021: €192k
2022: €240k
2023: €144k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€169k-€205k▲ 21.5%€247k▲ 20.3%€155k▼ 37.1%€207k▲ 33.4%
Operating result€44k-€49k▲ 12.0%€58k▲ 16.9%€12k▼ 78.7%€72k▲ 482%
Net result€33k-€36k▲ 9.8%€42k▲ 14.7%€9k▼ 78.7%€52k▲ 485%
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 2024; 2024 is 482% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €217k
Fixed assets
€9k▼ 25.3%
Current assets
€208k▲ 36.0%
Equity and liabilities €217k
Equity
€207k▲ 33.4%
Debt
€10k▲ 1.3%
The debt ratio falls from 5.7% to 4.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€76k▲
2023 · €18k
Cash flow
€56k▲
2023 · €15k
Solvency
95.6%▲
2023 · 94.3%
Current ratio
22.73▲
2023 · 16.30
Quick ratio
22.73▲
2023 · 16.05
Debt / equity
0.05▼
2023 · 0.06
ROE
25.0%▲
2023 · 5.7%
ROA
23.9%▲
2023 · 5.4%
Interest coverage
441.34▲
2023 · 79.46
Debt
€10k▲
2023 · €9k
Debt ≤ 1 year
€9k▼
2023 · €9k
Income taxes
€20k▲
2023 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€165k€217k▲
Fixed assets21/28€12k€9k▼
Tangible fixed assets22/27€12k€9k▼
Plant, machinery and equipment23€2k€931▼
Furniture and vehicles24€10k€8k▼
Other tangible fixed assets26€0-
Current assets29/58€153k€208k▲
Stocks and contracts in progress3€2k€0▼
Stocks30/36€2k€0▼
Amounts receivable within one year40/41€20k€59k▲
Trade receivables40€7k€47k▲
Other amounts receivable41€13k€12k▼
Cash at bank and in hand54/58€131k€149k▲
Deferred charges and accrued income490/1€58€133▲
Equity and liabilities
Total equity and liabilities10/49€165k€217k▲
Equity10/15€155k€207k▲
Contributions10/11€19k€19k=
Reserves13€137k€189k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€137k€189k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€9k€10k▲
Amounts payable within one year42/48€9k€9k▼
Trade debts44€865€42▼
Suppliers440/4€865€42▼
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€1k€1k▼
Remuneration and social security454/9€4k€2k▼
Other amounts payable47/48€4k€5k▲
Accrued charges and deferred income492/3-€361
Income statement
Code20232024
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€4k▼
Other operating charges640/8€384€387▲
Gross operating margin9900€19k€76k▲
Operating profit (loss)9901€12k€72k▲
Financial income75/76B€376€0▼
Recurring financial income75€376€0▼
Financial charges65/66B€229€172▼
Recurring financial charges65€229€172▼
Profit (loss) for the period before taxes9903€12k€71k▲
Income taxes67/77€4k€20k▲
Profit (loss) for the period9904€9k€52k▲
Profit (loss) for the period to be appropriated9905€9k€52k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€52k▲
Transfer from equity791/2€100k€0▼
Transfer to equity691/2€9k€52k▲
To other reserves6921€9k€52k▲
Profit to be distributed694/7€100k€0▼
Return on contributions (dividend)694€100k€0▼
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
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €52k ▲485%
Operating result €72k, net result €52k, both a record.
31-12
Financial
Equity above €200kEq €207k ▲33.4%
7 profitable years in a row build equity to €207k.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €9k ▼78.7%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 33.48
Current ratio from 14.43 to 33.48; short-term debt falls from €14k to €7k.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity times 6current ratio 14.43
Current ratio from 2.48 to 14.43; short-term debt falls from €106k to €14k.
31-12
Financial
Equity above €200kEq €205k ▲21.5%
4 profitable years in a row build equity to €205k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
01-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 1 day late
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, Leuven · 1 establishment unit since 2014
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.
Diestsesteenweg 2193010 LeuvenGround area
93 m²
Building footprint
61 m²
Volume, LiDAR
318 m³
Parcel 24482F0235/00R003, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HEPTAPOES
since 20142.236.191.973
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24482F0235/00R003 | Flanders | 93 m² | 1 · 61 m² | 10.3 m · 2 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.
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,395. 14,594 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-10-2014
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.