Equity
€61,659 ▲ 40.6%
Heal has made a profit without a break since 2023.
Heal
Lifetime
15 annual accounts with figures on one time axispeak €51,426 (2025)
€51,426▲ 4.0%
lowest -€3,869 (2013)
€17,816▲ 19.0%
peak €61,659 (2025)
€61,659▲ 40.6%
€110,834▼ 6.2%
Board1 name since 2010
-
Documentsfilings and deeds
23-07-20268 days before the deadline
2025micro format
Equity from €43,843 to €61,659Cash from €2,307 to €3,477
Key points
from the 2025 annual accountsChecked score
92
Excellent
Financially stronger than 37% of micro companies in human health (NACE 86)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 24,185 companies (NACE 86, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.2%▲ +0.1 percentage points vs 03-2025highest value
05-2025: 0.1%▼ -0.1 percentage points vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 2.65, cash €3,477
lowers risk
Sector: Human health activities (NACE 86)
Size: total assets €172,493
Figures for financial year 2025 (filed on 23-07-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 86, micro). It does better than 30% of them on solvency, 12% on liquidity, 29% on profitability and 77% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as Heal has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of Heal itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for Heal. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.65 (2.39 in 2024), above the usual 1.5. Short-term debt is 23.5% and cash 2% of total assets. However, 64.3% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 days early
2024
34 days early
2023
34 days early
2022
14 days early
2021
33 days early
2020
26 days early
2019
25 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 18 days before the deadline. In the sector (NACE 86), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Change of role: WINDMOLDERS Heidi Georgette Elise, from manager to director
“nieuwe tekst in Artikel 3.Voorwerp” (deed in Dutch) · Director discharge: WINDMOLDERS Heidi Georgette Elise · General meeting of 21-09-2022 · Gazette deed
First establishment
Intra Extra, Halensebaan 163, Diest
Incorporation
published on 18-06-2010 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Heal Diest | €172,493 | €51,426 | 35.7% | - |
| C-CONEX Péruwelz | €160,733 | €51,874 | 33.9% | - |
| Papillon Schoonheidsinstituut Kortrijk | €162,202 | €53,039 | 61.3% | - |
| RECHERCHE-PSY Brussels | €120,239 | €45,519 | 91.4% | - |
| DEVELOP'U Mons | €154,192 | €42,324 | 30.2% | - |
| Verliefdepsy Pajottegem | €186,361 | €42,663 | 87.4% | - |
| Espace Psy Kestemont-Ninane Namur | €104,373 | €42,212 | 13.9% | - |
These companies have the same main activity as Heal: psychology services (NACE 86931). They are comparable in size and age: total assets between €104,000 and €186,000, founded between 2006 and 2016.
Official details
Source: KBO- Status
- Active since 02-06-2010Normal situation
- Activity
- Psychology servicesNACE 86931and 1 other
- Establishment unit
- 2.189.987.2123290 Diest, since 01-07-2010
- Financial year end
- 31 December
- Peppol
- Reachable
Annual accounts 2025
- €172,493▲ 6.5%
- Filing
- Filed on 23-07-2026, 8 days before the end of the filing period
Insights on Heal
Heal files the micro format. That format states no turnover. The gross margin rose from €17,418 in 2011 to €51,426 in 2025.
The balance sheet grew most in 2012 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Heal
- What is the company number of Heal?
- The company number of Heal is 0826.501.663. The VAT number is the same number with BE in front: BE 0826.501.663.
- Where is Heal based?
- The registered office is at Halensebaan 163, 3290 Diest.Company details
- What does Heal do?
- According to the KBO register, the main activity is psychology services (NACE 86931).
- What is the legal form of Heal?
- Heal is a private limited company (BV).
- When was Heal founded?
- Heal was founded on 02-06-2010.
- Is Heal still active?
- Yes, Heal is an active enterprise in the KBO register.
- What is the turnover of Heal?
- The turnover in financial year 2025 is ≈ €140,000. This figure is estimated from the gross margin of €51,426 and 33 comparable companies (NACE 869). It probably lies between €92,000 and €210,000.Financials
- Is Heal profitable?
- In financial year 2025, Heal made a profit of €17,816.
- Where can I find the annual accounts of Heal?
- Heal filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Heal due?
- Heal must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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