HAPTO 3 COEURS
ActiveSummary
HAPTO 3 COEURS has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-51k) and a net result of €-18k. Equity is shrinking by ~53% per year across the filed fiscal years. Its solvency ranks better than 7% of 2043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
29
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth58=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.17 against 0.4 in 2024; short-term debt: 185.6% and cash: 9.4% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-152.6%
Return on assets
-52.9%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year €-51k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
4 d early
2024
26 d late
2023
30 d late
← 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
€-51k▼ 53.1%
2024 · €-33k
2023: €-16k
2024: €-33k
2023 → 2025
Total assets
€33k▼ 35.9%
2024 · €52k
2023: €36k
2024: €52k
2023 → 2025
Net result
€-18k▼ 0.4%
2024 · €-18k
2023: €-18k
2024: €-18k
2023 → 2025
Working capital
€-51k▼ 50.9%
2024 · €-34k
2023: €18k
2024: €-34k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-16k-€-33k▼ 112%€-51k▼ 53.1%
Operating result€-18k-€-17k▲ 4.2%€-17k▲ 0.5%
Net result€-18k-€-18k▲ 3.1%€-18k▼ 0.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €17k in 2025 against €17k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €33k
Fixed assets
€23k ▼ 21.8%
Current assets
€11k ▼ 53.8%
Key figures and ratios
EBITDA
€-10k▲
2024 · €-14k
Cash flow
€-10k▲
2024 · €-14k
Solvency
-152.6%▼
2024 · -63.9%
Current ratio
0.17▼
2024 · 0.40
Debt to equity
-1.66▲
2024 · -2.56
ROA
-52.9%▼
2024 · -33.8%
Interest coverage
-43.48▲
2024 · -67.58
Debt
€84k▼
2024 · €85k
Debt ≤ 1 year
€62k▲
2024 · €57k
Income taxes
€187▲
2024 · €92
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€52k€33k▼
Fixed assets21/28€29k€23k▼
Intangible fixed assets21€4k€3k▼
Tangible fixed assets22/27€25k€20k▼
Furniture and vehicles24€7k€3k▼
Other tangible fixed assets26€18k€16k▼
Current assets29/58€23k€11k▼
Amounts receivable within one year40/41€8k€7k▼
Trade receivables40€8k€7k▼
Cash at bank and in hand54/58€13k€3k▼
Deferred charges and accrued income490/1€2k€868▼
Equity and liabilities
Total equity and liabilities10/49€52k€33k▼
Equity10/15€-33k€-51k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-36k€-53k▼
Amounts payable17/49€85k€84k▼
Amounts payable within one year42/48€57k€62k▲
Trade debts44€26k€5k▼
Suppliers440/4€26k€5k▼
Taxes, remuneration and social security45€9k€1k▼
Taxes450/3€9k€1k▼
Other amounts payable47/48€22k€55k▲
Accrued charges and deferred income492/3€28k€22k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€8k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€-13k€-8k▲
Operating profit (loss)9901€-17k€-17k▲
Financial income75/76B€69€10▼
Recurring financial income75€69€10▼
Financial charges65/66B€211€223▲
Recurring financial charges65€211€223▲
Profit (loss) for the period before taxes9903€-17k€-17k▲
Income taxes67/77€92€187▲
Profit (loss) for the period9904€-18k€-18k▼
Profit (loss) for the period to be appropriated9905€-18k€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-36k€-53k▼
Profit (loss) brought forward from the previous period14P€-18k€-36k▼
The notes to these accounts (8 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
NBB filing
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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2023
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.
Avenue de Gasperi 151340 Ottignies-Louvain-la-NeuveGround area
4,165 m²
Building footprint
205 m²
Volume, LiDAR
1,029 m³
Parcel 25083F0307/00D000, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HAPTO 3 COEURS
since 20232.347.639.926
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25083F0307/00D000 | Wallonia | 4,165 m² | 1 · 205 m² | 8.6 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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Grez-Doiceau
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 11,671 companies in sector 85599 we hold annual accounts for 1,329. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-06-2023
Fiscal year end31-12
Abbreviation FR
H3C
Activities, NACEBEL 2025
85599Other education
85699Other educational support services
86951Physiotherapy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:admin@hapto3coeurs.com
Phone:+32475399935