Harald HECK 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 €198k and a net result of €5k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 53% of 2413 sector peers (fiscal year 2025). The company has been active since 2000 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
65 d early
2023
47 d early
2022
24 d late
2021
5 d early
2020
66 d early
2019
44 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€198k▲ 2.5%
2024 · €193k
2018: €182k
2019: €187k
2020: €190k
2021: €211k
2022: €225k
2023: €205k
2024: €193k
2018 → 2025
Net result
€5k
2024 · €-12k
2018: €18k
2019: €5k
2020: €3k
2021: €21k
2022: €14k
2023: €-20k
2024: €-12k
2018 → 2025
Total assets
€365k▼ 7.6%
2024 · €395k
2018: €275k
2019: €470k
2020: €440k
2021: €434k
2022: €419k
2023: €435k
2024: €395k
2018 → 2025
Solvency
54.1%▲ 5.3pp
2024 · 48.8%
2018: 66.0%
2019: 39.8%
2020: 43.3%
2021: 48.7%
2022: 53.7%
2023: 47.0%
2024: 48.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€211k-€225k▲ 6.4%€205k▼ 9.1%€193k▼ 5.7%€198k▲ 2.5%
Operating result€30k-€23k▼ 25.5%€-16k€-9k▲ 43.2%€8k
Net result€21k-€14k▼ 35.5%€-20k€-12k▲ 43.0%€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €8k after a loss of €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €365k
Fixed assets
€297k▼ 10.3%
Current assets
€69k▲ 6.3%
Equity and liabilities €365k
Equity
€198k▲ 2.5%
Debt
€168k▼ 17.2%
The debt ratio falls from 51.2% to 45.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
54.1%▲
2024 · 48.8%
ROE
2.4%▲
2024 · -6.0%
ROA
1.3%▲
2024 · -2.9%
Debt
€168k▼
2024 · €202k
Debt ≤ 1 year
€29k▼
2024 · €38k
Debt > 1 year
€138k▼
2024 · €165k
Income taxes
€-122▼
2024 · €296
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€395k€365k▼
Fixed assets21/28€331k€297k▼
Tangible fixed assets22/27€331k€297k▼
Land and buildings22€272k€259k▼
Furniture and vehicles24€58k€38k▼
Current assets29/58€65k€69k▲
Amounts receivable within one year40/41€23k€22k▼
Trade receivables40€16k€13k▼
Other amounts receivable41€6k€9k▲
Current investments50/53€5k€6k▲
Cash at bank and in hand54/58€36k€41k▲
Equity and liabilities
Total equity and liabilities10/49€395k€365k▼
Equity10/15€193k€198k▲
Contributions10/11€7k€7k=
Reserves13€6k€6k=
Tax-exempt reserves132€6k€6k=
Profit (loss) carried forward14€180k€185k▲
Amounts payable17/49€202k€168k▼
Amounts payable after more than one year17€165k€138k▼
Financial debts170/4€65k€48k▼
Other amounts payable178/9€100k€90k▼
Amounts payable within one year42/48€38k€29k▼
Current portion of amounts payable after more than one year42€17k€17k=
Trade debts44€21k€8k▼
Suppliers440/4€21k€8k▼
Other amounts payable47/48€349€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€43k▼
Other operating charges640/8€8k€8k▼
Gross operating margin9900€43k€60k▲
Operating profit (loss)9901€-9k€8k▲
Financial income75/76B€1k€35▼
Recurring financial income75€1k€35▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€-11k€5k▲
Income taxes67/77€296€-122▼
Profit (loss) for the period9904€-12k€5k▲
Profit (loss) for the period to be appropriated9905€-12k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€180k€185k▲
Profit (loss) brought forward from the previous period14P€192k€180k▼
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
08-09
State Gazette act
General meeting · Director resignation
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-20k ▼251%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €21k ▲537%
Net result €21k, the highest in the series.
31-12
Financial
Equity above €200kEq €211k ▲11%
4 profitable years in a row build equity to €211k.
26-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Welkenraedt · 1 establishment unit since 2001
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.
Rue Mitoyenne 74840 WelkenraedtGround area
887 m²
Building footprint
179 m²
Volume, LiDAR
1,805 m³
Parcel 63084A0307/00F002, Wallonia · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Mitoyenne 7 A, 4840 Welkenraedt
since 20012.097.250.955
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63084A0307/00F002 | Wallonia | 887 m² | 1 · 179 m² | 12.5 m · 3 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 4,686 companies in sector 66220 we hold annual accounts for 3,231. 2,825 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2000
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.