P. VAN HECKE
ActiveP. VAN HECKE has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €177k and a net result of €10k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 34% of 27451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-6
Solvency57▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.63 against 0.72 in 2024; short-term debt: 24.6% and cash: 0.5% of total assets), and 67.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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 2025Solvency, return and age of the figures
Solvency
32.1%
Return on assets
1.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
on the day
2023
20 d late
2022
on the day
2021
3 d early
2020
9 d late
2019
87 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€177k▲ 5.8%
2024 · €167k
2018: €78k
2019: €78k
2020: €94k
2021: €110k
2022: €114k
2023: €127k
2024: €167k
2018 → 2025
Total assets
€551k▼ 8.3%
2024 · €600k
2018: €329k
2019: €313k
2020: €271k
2021: €316k
2022: €244k
2023: €590k
2024: €600k
2018 → 2025
Net result
€10k▼ 76.0%
2024 · €40k
2018: €3k
2019: €572
2020: €16k
2021: €16k
2022: €4k
2023: €13k
2024: €40k
2018 → 2025
Working capital
€-50k▼ 21.9%
2024 · €-41k
2018: €54k
2019: €50k
2020: €59k
2021: €64k
2022: €50k
2023: €-58k
2024: €-41k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€110k-€114k▲ 3.4%€127k▲ 11.7%€167k▲ 31.8%€177k▲ 5.8%
Operating result€25k-€9k▼ 65.1%€21k▲ 137%€78k▲ 276%€21k▼ 73.1%
Net result€16k-€4k▼ 76.5%€13k▲ 261%€40k▲ 202%€10k▼ 76.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 73% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €551k
Fixed assets
€465k▼ 6.3%
Current assets
€86k▼ 17.8%
Equity and liabilities €551k
Equity
€177k▲ 5.8%
Debt
€374k▼ 13.7%
The debt ratio falls from 72.1% to 67.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€53k▼
2024 · €107k
Cash flow
€42k▼
2024 · €70k
Solvency
32.1%▲
2024 · 27.9%
Current ratio
0.63▼
2024 · 0.72
Quick ratio
0.56▼
2024 · 0.68
Debt / equity
2.11▼
2024 · 2.59
ROE
5.5%▼
2024 · 24.1%
ROA
1.8%▼
2024 · 6.7%
Interest coverage
7.22▲
2024 · 6.22
Debt
€374k▼
2024 · €433k
Debt ≤ 1 year
€135k▼
2024 · €145k
Debt > 1 year
€238k▼
2024 · €268k
Income taxes
€4k▼
2024 · €20k
Staff costs
€17k▼
2024 · €25k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€600k€551k▼
Fixed assets21/28€496k€465k▼
Tangible fixed assets22/27€496k€465k▼
Land and buildings22€447k€428k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€12k€5k▼
Other tangible fixed assets26€33k€29k▼
Financial fixed assets28€50€50=
Current assets29/58€104k€86k▼
Stocks and contracts in progress3€5k€10k▲
Stocks30/36€5k€10k▲
Amounts receivable within one year40/41€63k€66k▲
Trade receivables40€57k€56k▼
Other amounts receivable41€6k€10k▲
Cash at bank and in hand54/58€29k€2k▼
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€600k€551k▼
Equity10/15€167k€177k▲
Contributions10/11€19k€19k=
Reserves13€90k€100k▲
Distributable reserves133€90k€100k▲
Profit (loss) carried forward14€58k€58k=
Amounts payable17/49€433k€374k▼
Amounts payable after more than one year17€268k€238k▼
Financial debts170/4€268k€238k▼
Amounts payable within one year42/48€145k€135k▼
Current portion of amounts payable after more than one year42€35k€30k▼
Financial debts43€873-
Credit institutions430/8€873-
Trade debts44€41k€48k▲
Suppliers440/4€41k€48k▲
Advances received on contracts in progress46€5k€3k▼
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€5k€4k▼
Remuneration and social security454/9€5k€4k▼
Other amounts payable47/48€52k€46k▼
Accrued charges and deferred income492/3€20k€138▼
Income statement
Code20242025
Remuneration, social security and pensions62€25k€17k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€32k▲
Other operating charges640/8€14k€17k▲
Gross operating margin9900€147k€87k▼
Operating profit (loss)9901€78k€21k▼
Financial income75/76B€14€268▲
Recurring financial income75€14€268▲
Financial charges65/66B€17k€7k▼
Recurring financial charges65€17k€7k▼
Profit (loss) for the period before taxes9903€61k€14k▼
Income taxes67/77€20k€4k▼
Profit (loss) for the period9904€40k€10k▼
Profit (loss) for the period to be appropriated9905€40k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€99k€68k▼
Profit (loss) brought forward from the previous period14P€58k€58k=
Transfer to equity691/2€40k€10k▼
To other reserves6921€40k€10k▼
The notes to these accounts (7 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
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €40k ▲202%
Operating result €78k, net result €40k, both a record.
31-12
Financial
Equity above €150kEq €167k ▲31.8%
7 profitable years in a row build equity to €167k.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €110k ▲16.7%
4 profitable years in a row build equity to €110k.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
31-12
Financial
Weakest financial yearnet €572 ▼81.3%
Net result drops to €572, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
06-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 67 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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 1990
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.
Firmin Lecharlierlaan 1641090 JetteGround area
342 m²
Building footprint
128 m²
Volume, LiDAR
1,108 m³
Parcel 21464D0077/00D007, Brussels · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Firmin Lecharlierlaan 164, 1090 Jette
since 19902.050.100.938
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21464D0077/00D007 | Brussels | 342 m² | 1 · 128 m² | 12.8 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.
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Of 7,038 companies in sector 43221 we hold annual accounts for 3,469. 2,943 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-1990
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
45332
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0473/733.733