HAEGEMAN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €49k and a net result of €-10k. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 13% of 3323 sector peers (fiscal year 2024). The company has been active since 2018 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.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 3323 sector peers (2024).
NBB · sector comparisonPosition among 3323 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
69 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
109 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€49k▼ 17.3%
2023 · €59k
2019: €17k
2020: €58k
2021: €65k
2022: €47k
2023: €59k
2019 → 2024
Net result
€-10k
2023 · €12k
2019: €5k
2020: €42k
2021: €7k
2022: €58k
2023: €12k
2019 → 2024
Total assets
€713k▼ 3.8%
2023 · €742k
2019: €378k
2020: €400k
2021: €711k
2022: €762k
2023: €742k
2019 → 2024
Solvency
6.8%▼ 1.1pp
2023 · 7.9%
2019: 4.6%
2020: 14.6%
2021: 9.1%
2022: 6.1%
2023: 7.9%
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€58k-€65k▲ 11.4%€47k▼ 28.0%€59k▲ 25.7%€49k▼ 17.3%
Operating result€63k-€19k▼ 69.4%€91k▲ 374%€35k▼ 61.7%€15k▼ 57.0%
Net result€42k-€7k▼ 82.2%€58k▲ 674%€12k▼ 79.2%€-10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 57% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €713k
Fixed assets
€633k▼ 2.9%
Current assets
€80k▼ 10.2%
Equity and liabilities €713k
Equity
€49k▼ 17.3%
Debt
€665k▼ 2.6%
The debt ratio rises from 92.1% to 93.2%. Equity and debt are lower.
Key figures and ratios
Solvency
6.8%▼
2023 · 7.9%
ROE
-20.9%▼
2023 · 20.5%
ROA
-1.4%▼
2023 · 1.6%
Debt
€665k▼
2023 · €683k
Debt ≤ 1 year
€181k▼
2023 · €193k
Debt > 1 year
€484k▼
2023 · €488k
Income taxes
€925▼
2023 · €8k
Staff costs
€119k▲
2023 · €114k
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€742k€713k▼
Fixed assets21/28€652k€633k▼
Intangible fixed assets21€169k€128k▼
Tangible fixed assets22/27€484k€505k▲
Land and buildings22€295k€360k▲
Plant, machinery and equipment23€30k€23k▼
Furniture and vehicles24€26k€5k▼
Other tangible fixed assets26€133k€117k▼
Financial fixed assets28€30€30=
Current assets29/58€89k€80k▼
Amounts receivable after more than one year29€19k€19k=
Other amounts receivable291€19k€19k=
Amounts receivable within one year40/41€7k€46k▲
Trade receivables40€7k€7k▼
Other amounts receivable41€275€40k▲
Cash at bank and in hand54/58€39k€1▼
Deferred charges and accrued income490/1€24k€15k▼
Equity and liabilities
Total equity and liabilities10/49€742k€713k▼
Equity10/15€59k€49k▼
Contributions10/11€12k€12k=
Reserves13€46k€36k▼
Distributable reserves133€46k€36k▼
Profit (loss) carried forward14€0-
Amounts payable17/49€683k€665k▼
Amounts payable after more than one year17€488k€484k▼
Financial debts170/4€488k€484k▼
Amounts payable within one year42/48€193k€181k▼
Current portion of amounts payable after more than one year42€75k€83k▲
Financial debts43€1k€2k▲
Credit institutions430/8€1k€0▼
Other loans439-€2k
Trade debts44€38k€48k▲
Suppliers440/4€38k€48k▲
Taxes, remuneration and social security45€65k€48k▼
Taxes450/3€38k€22k▼
Remuneration and social security454/9€27k€26k▼
Other amounts payable47/48€14k€0▼
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20232024
Non-recurring operating income76A€64k€3k▼
Remuneration, social security and pensions62€114k€119k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€82k€84k▲
Other operating charges640/8€7k€6k▼
Gross operating margin9900€238k€223k▼
Operating profit (loss)9901€35k€15k▼
Financial income75/76B€556€646▲
Recurring financial income75€556€646▲
Financial charges65/66B€16k€25k▲
Recurring financial charges65€16k€25k▲
Profit (loss) for the period before taxes9903€20k€-9k▼
Income taxes67/77€8k€925▼
Profit (loss) for the period9904€12k€-10k▼
Profit (loss) for the period to be appropriated9905€12k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€-10k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€0€10k▲
Transfer to equity691/2€12k€0▼
To other reserves6921€12k€0▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (21 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-10k ▼185%
Net result drops to €-10k, the lowest in the series.
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2019net €58k ▲674%
Operating result €91k, net result €58k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
17-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 109 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, Gent · 1 establishment unit since 2018
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.
Adolphe della Faillelaan 119052 GentGround area
61 m²
Building footprint
59 m²
Volume, LiDAR
326 m³
Parcel 44082B0311/00N012, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HAEGEMAN
since 20182.274.215.379
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44082B0311/00N012 | Flanders | 61 m² | 1 · 59 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 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,272 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-03-2018
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.