GROEP VAN HEYST 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 €2.66M and a net result of €28k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 80% of 2423 sector peers (fiscal year 2025). The company has been active since 2002 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
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
59 d early
2023
34 d early
2022
46 d early
2021
58 d late
2020
31 d late
2019
28 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.66M▲ 0.4%
2024 · €2.65M
2018: €2.02M
2019: €2.20M
2020: €2.38M
2021: €2.46M
2022: €2.55M
2023: €2.61M
2024: €2.65M
2018 → 2025
Net result
€28k▼ 55.4%
2024 · €62k
2018: €101k
2019: €274k
2020: €202k
2021: €77k
2022: €103k
2023: €82k
2024: €62k
2018 → 2025
Total assets
€3.24M▲ 11.9%
2024 · €2.90M
2018: €2.73M
2019: €2.97M
2020: €3.05M
2021: €2.95M
2022: €2.92M
2023: €2.88M
2024: €2.90M
2018 → 2025
Solvency
82.2%▼ 9.4pp
2024 · 91.7%
2018: 73.8%
2019: 74.0%
2020: 78.2%
2021: 83.4%
2022: 87.1%
2023: 90.7%
2024: 91.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.46M-€2.55M▲ 3.5%€2.61M▲ 2.5%€2.65M▲ 1.7%€2.66M▲ 0.4%
Operating result€-27k-€135k€119k▼ 11.4%€122k▲ 2.1%€95k▼ 22.0%
Net result€77k-€103k▲ 33.6%€82k▼ 20.2%€62k▼ 24.7%€28k▼ 55.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.24M
Fixed assets
€3.08M▲ 21.9%
Current assets
€160k▼ 56.7%
Equity and liabilities €3.24M
Equity
€2.66M▲ 0.4%
Debt
€575k▲ 138%
The debt ratio rises from 8.3% to 17.8%. Equity and debt are higher.
Key figures and ratios
Solvency
82.2%▼
2024 · 91.7%
ROE
1.0%▼
2024 · 2.3%
ROA
0.9%▼
2024 · 2.1%
Debt
€575k▲
2024 · €242k
Debt ≤ 1 year
€85k▲
2024 · €44k
Debt > 1 year
€491k▲
2024 · €197k
Income taxes
€13k▼
2024 · €23k
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€2.90M€3.24M▲
Fixed assets21/28€2.53M€3.08M▲
Tangible fixed assets22/27€206k€759k▲
Land and buildings22€161k€640k▲
Plant, machinery and equipment23-€1k
Furniture and vehicles24€45k€118k▲
Financial fixed assets28€2.32M€2.32M=
Current assets29/58€369k€160k▼
Amounts receivable after more than one year29€52k€32k▼
Other amounts receivable291€52k€32k▼
Amounts receivable within one year40/41€221€2k▲
Other amounts receivable41€221€2k▲
Current investments50/53€266k-
Cash at bank and in hand54/58€51k€106k▲
Deferred charges and accrued income490/1€206€19k▲
Equity and liabilities
Total equity and liabilities10/49€2.90M€3.24M▲
Equity10/15€2.65M€2.66M▲
Contributions10/11€6k€6k=
Reserves13€272k€300k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€270k€298k▲
Profit (loss) carried forward14€2.38M€2.36M▼
Amounts payable17/49€242k€575k▲
Amounts payable after more than one year17€197k€491k▲
Financial debts170/4€197k€491k▲
Amounts payable within one year42/48€44k€85k▲
Current portion of amounts payable after more than one year42€22k€46k▲
Trade debts44€20€448▲
Suppliers440/4€20€448▲
Taxes, remuneration and social security45€5k€5k=
Taxes450/3€5k€5k=
Other amounts payable47/48€17k€33k▲
Income statement
Code20242025
Non-recurring operating income76A-€16k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€44k▲
Other operating charges640/8€4k€5k▲
Gross operating margin9900€151k€144k▼
Operating profit (loss)9901€122k€95k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€37k€55k▲
Recurring financial charges65€37k€55k▲
Profit (loss) for the period before taxes9903€85k€41k▼
Income taxes67/77€23k€13k▼
Profit (loss) for the period9904€62k€28k▼
Profit (loss) for the period to be appropriated9905€62k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.44M€2.40M▼
Profit (loss) brought forward from the previous period14P€2.38M€2.38M=
Transfer to equity691/2€44k€28k▼
To other reserves6921€44k€28k▼
Profit to be distributed694/7€18k€18k=
Return on contributions (dividend)694€18k€18k=
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
10-09
State Gazette act
Incorporation · Founding capital
Share issue · Bank account
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Weakest financial yearnet €28k ▼55.4%
Net result drops to €28k, the lowest in the series.
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 10.56
Current ratio from 3.85 to 10.56; short-term debt falls from €121k to €41k.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 58 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
31-12
Financial
Highest result since 2018net €274k ▲171%
Net result €274k, the highest in the series.
31-12
Financial
Liquidity times 14current ratio 2.46
Current ratio from 0.18 to 2.46; short-term debt falls from €513k to €145k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneState Gazette actNBB 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, Stabroek · 2 establishment units 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.
Plantinlaan 102940 StabroekGround area
2,499 m²
Building footprint
620 m²
Volume, LiDAR
3,703 m³
2 parcels, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
GROEP VAN HEYST
since 20152.248.216.906
GROEP VAN HEYST
since 20202.303.411.884
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11044A0035/00E003 | Flanders | 2,009 m² | 1 · 209 m² | 10.0 m · 2 fl. |
| 11050B0170/00R000 | Flanders | 490 m² | 1 · 410 m² | 10.3 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900FRMH9EX3FDQO28
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Of 4,685 companies in sector 66220 we hold annual accounts for 3,230. 1,401 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-11-2002
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.