ADVIESKANTOOR VAN HECKE 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 €86k and a net result of €-142. Equity is growing by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 52% of 1475 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
1 d early
2023
27 d late
2022
31 d late
2021
2 d early
2020
38 d early
2019
29 d early
2018
13 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€86k▼ 0.2%
2023 · €86k
2018: €35k
2019: €36k
2020: €39k
2021: €57k
2022: €57k
2023: €86k
2018 → 2025
Net result
€-142
2023 · €28k
2018: €591
2019: €153
2020: €3k
2021: €19k
2022: €290
2023: €28k
2018 → 2025
Total assets
€211k▼ 43.6%
2023 · €375k
2018: €546k
2019: €473k
2020: €450k
2021: €572k
2022: €361k
2023: €375k
2018 → 2025
Solvency
40.5%▲ 17.6pp
2023 · 22.9%
2018: 6.5%
2019: 7.5%
2020: 8.6%
2021: 10.0%
2022: 15.9%
2023: 22.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232025Trend
Equity€39k-€57k▲ 48.4%€57k▲ 0.5%€86k▲ 49.2%€86k▼ 0.2%
Operating result€3k-€29k▲ 786%€8k▼ 73.3%€37k▲ 376%€5k▼ 86.7%
Net result€3k-€19k▲ 546%€290▼ 98.4%€28k▲ 9,657%€-142
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €5k in 2025, compared with €37k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €211k
Fixed assets
€23k▼ 83.3%
Current assets
€188k▼ 19.8%
Equity and liabilities €211k
Equity
€86k▼ 0.2%
Debt
€126k▼ 56.5%
The debt ratio falls from 77.1% to 59.5%. Equity and debt are lower.
Key figures and ratios
Solvency
40.5%▲
2023 · 22.9%
ROE
-0.2%▼
2023 · 33.0%
ROA
-0.1%▼
2023 · 7.5%
Debt
€126k▼
2023 · €289k
Debt ≤ 1 year
€69k▼
2023 · €119k
Debt > 1 year
€57k▼
2023 · €170k
Income taxes
€1k▼
2023 · €4k
Staff costs
€34k▼
2023 · €187k
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 2023
Balance sheet
Code20232025
Assets
Total assets20/58€375k€211k▼
Fixed assets21/28€140k€23k▼
Intangible fixed assets21€79k€0▼
Tangible fixed assets22/27€61k€23k▼
Furniture and vehicles24€41k€23k▼
Other tangible fixed assets26€20k€0▼
Current assets29/58€234k€188k▼
Amounts receivable within one year40/41€35k€174k▲
Trade receivables40€35k€0▼
Other amounts receivable41-€174k
Cash at bank and in hand54/58€157k€13k▼
Deferred charges and accrued income490/1€42k€866▼
Equity and liabilities
Total equity and liabilities10/49€375k€211k▼
Equity10/15€86k€86k▼
Contributions10/11€12k€12k=
Reserves13€73k€73k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€73k€73k=
Profit (loss) carried forward14€332€190▼
Amounts payable17/49€289k€126k▼
Amounts payable after more than one year17€170k€57k▼
Financial debts170/4€170k€57k▼
Amounts payable within one year42/48€119k€69k▼
Current portion of amounts payable after more than one year42€63k€65k▲
Financial debts43€838€1k▲
Credit institutions430/8€838€1k▲
Trade debts44€9k€2k▼
Suppliers440/4€9k€2k▼
Taxes, remuneration and social security45€41k€0▼
Taxes450/3€11k€0▼
Remuneration and social security454/9€30k€0▼
Other amounts payable47/48€6k€0▼
Accrued charges and deferred income492/3€175€0▼
Income statement
Code20232025
Non-recurring operating income76A€10k€0▼
Remuneration, social security and pensions62€187k€34k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€16k▼
Other operating charges640/8€942€1k▲
Gross operating margin9900€270k€56k▼
Operating profit (loss)9901€37k€5k▼
Financial income75/76B€623€3k▲
Recurring financial income75€623€3k▲
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€33k€972▼
Income taxes67/77€4k€1k▼
Profit (loss) for the period9904€28k€-142▼
Profit (loss) for the period to be appropriated9905€28k€-142▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€190▼
Profit (loss) brought forward from the previous period14P€215€332▲
Transfer from equity791/2€2k€0▼
Transfer to equity691/2€30k€0▼
To other reserves6921€30k€0▼
Social balance
Average headcount (FTE)90872.80.2▼
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Weakest financial yearnet €-142 ▼101%
Net result drops to €-142, the lowest in the series.
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
31-12
Financial
Highest result since 2018net €28k ▲9657%
Operating result €37k, net result €28k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
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, Maldegem · 1 establishment unit since 2015
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.
Aalterbaan 183A9990 MaldegemGround area
2,362 m²
Building footprint
1,683 m²
Parcel 43502D0451/00Z000, Flanders. Linked by address, not a title deed.
1 establishment unit
ADVIESKANTOOR VAN HECKE
since 20152.247.448.230
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43502D0451/00Z000 | Flanders | 2,362 m² | 1 · 1,683 m² | - |
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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 4 entries · 42,864 EUR awarded · 42,864 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 9,064 EUR | 9,064 EUR |
| 2023 | 1 | 17,743 EUR | 17,743 EUR |
| 2022 | 2 | 16,057 EUR | 16,057 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 1,019 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-09-2015
Fiscal year end30-09
Activities, NACEBEL
66191Agents and brokers in banking services
64200Holdings
64210Activities of holding companies
66199Other activities auxiliary to financial services, excluding insurance and pension funding
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.