SYLVIE VANHECKE
ActiveSummary
SYLVIE VANHECKE has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43k and a net result of €14k. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 75% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+16
Solvency100=
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 5.61 against 14.52 in 2024; short-term debt: 15.3% and cash: 21.7% of total assets), and 15.3% 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 86
Relative position
BE, all sectors
reference
Sector 86
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 2025Solvency, return and age of the figures
Solvency
84.7%
Return on assets
27.6%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €43k
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
on the day
2023
9 d early
2022
6 d early
2021
33 d early
2020
1 d early
2019
36 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
€43k▲ 48.3%
2024 · €29k
2018: €40k
2019: €30k
2020: €29k
2021: €28k
2022: €28k
2023: €25k
2024: €29k
2018 → 2025
Total assets
€51k▲ 67.0%
2024 · €30k
2018: €58k
2019: €44k
2020: €42k
2021: €35k
2022: €38k
2023: €27k
2024: €30k
2018 → 2025
Net result
€14k▲ 275%
2024 · €4k
2018: €271
2019: €6k
2020: €9k
2021: €-1k
2022: €4k
2023: €-3k
2024: €4k
2018 → 2025
Working capital
€36k▲ 85.5%
2024 · €19k
2018: €30k
2019: €20k
2020: €19k
2021: €12k
2022: €15k
2023: €13k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€28k▲ 1.8%€25k▼ 10.8%€29k▲ 14.8%€43k▲ 48.3%
Operating result€-442-€6k€-3k€6k€19k▲ 237%
Net result€-1k-€4k€-3k€4k€14k▲ 275%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 237% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €51k
Fixed assets
€7k ▼ 26.3%
Current assets
€44k ▲ 110%
Equity and liabilities €51k
Equity
€43k ▲ 48.3%
Debt
€8k ▲ 444%
Debt's share of the balance-sheet total rises from 4.7% to 15.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€22k▲
2024 · €8k
Cash flow
€16k▲
2024 · €6k
Current ratio
5.61▼
2024 · 14.52
Debt to equity
0.18▲
2024 · 0.05
ROE
32.6%▲
2024 · 12.9%
ROA
27.6%▲
2024 · 12.3%
Interest coverage
150.67▲
2024 · 20.81
Debt ≤ 1 year
€8k▲
2024 · €1k
Income taxes
€6k▲
2024 · €2k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€30k€51k▲
Fixed assets21/28€10k€7k▼
Tangible fixed assets22/27€10k€7k▼
Plant, machinery and equipment23€8k€6k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€21k€44k▲
Amounts receivable within one year40/41€18k€32k▲
Trade receivables40€7k€10k▲
Other amounts receivable41€11k€22k▲
Cash at bank and in hand54/58€2k€11k▲
Deferred charges and accrued income490/1€748€934▲
Equity and liabilities
Total equity and liabilities10/49€30k€51k▲
Equity10/15€29k€43k▲
Contributions10/11€19k€19k=
Reserves13€10k€24k▲
Distributable reserves133€10k€24k▲
Amounts payable17/49€1k€8k▲
Amounts payable within one year42/48€1k€8k▲
Current portion of amounts payable after more than one year42€847€843▼
Trade debts44€130€113▼
Suppliers440/4€130€113▼
Taxes, remuneration and social security45€450€7k▲
Taxes450/3€450€4k▲
Remuneration and social security454/9-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€786€1k▲
Gross operating margin9900€9k€23k▲
Operating profit (loss)9901€6k€19k▲
Financial income75/76B€396€951▲
Recurring financial income75€396€951▲
Financial charges65/66B€402€146▼
Recurring financial charges65€402€146▼
Profit (loss) for the period before taxes9903€6k€20k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€4k€14k▲
Profit (loss) for the period to be appropriated9905€4k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€14k▲
Transfer to equity691/2€4k€14k▲
To other reserves6921€4k€14k▲
The notes to these accounts (4 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €14k ▲275%
Operating result €19k, net result €14k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 14.52
Current ratio from 6.71 to 14.52; short-term debt falls from €2k to €1k.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-3k ▼171%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 6.71
Current ratio from 2.77 to 6.71; short-term debt falls from €8k to €2k.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Veurne · 1 establishment unit since 2010
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.
Oosthoekstraat 48630 VeurneGround area
3,212 m²
Building footprint
755 m²
Volume, LiDAR
2,385 m³
2 parcels, Flanders · tallest building 11.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Witte Burg(Odk) 56, 8670 Koksijde
since 20102.185.552.035
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38502F0752/00_000 | Flanders | 1,822 m² | 1 · 611 m² | 11.8 m · 1 fl. |
| 38025F0223/00B000 | Flanders | 1,391 m² | 1 · 145 m² | 10.5 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 877 EUR awarded · 877 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 675 EUR | 675 EUR |
| 2023 | 1 | 202 EUR | 202 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,686 companies in sector 86951 we hold annual accounts for 2,142. 1,951 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
Founded15-02-2010
Fiscal year end31-12
Activities, NACEBEL 2025
86951Physiotherapy
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.