Turnover
≈ €87,000 estimated
The micro format states no turnover.
Heart Skills
Lifetime
4 annual accounts with figures on one time axispeak €61,530 (2023)
€32,815▲ 151%
lowest -€8,569 (2024)
€18,722▲ 714%
peak €52,660 (2026)
€52,660▲ 55.2%
€11,998▼ 4.9%
Board2 names since 2022
1 directorFOCKEDEY Marjan Jacqueline Maria
Documentsfilings and deeds
29-10-202694 days before the deadline
2026micro format
Gross margin from €13,060 to €32,815Result from €2,299 to €18,722Equity from €33,938 to €52,660Cash from €20,710 to €48,052
Key points
from the 2026 annual accountsChecked score
98
Excellent
Financially stronger than 87% of micro companies in advertising and market research (NACE 73)
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: 0.2% across 11,230 companies (NACE 73, 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: 0.2%▲ +0.1 percentage points vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.1%▼ -0.1 percentage points 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: 0.2%▲ +0.1 percentage points vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.4%▲ +0.2 percentage points vs 01-2026highest value
03-2026: 0.2%▼ -0.2 percentage points vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.1%▼ -0.1 percentage points vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.2%▲ +0.1 percentage points vs 09-2026
11-2026: < 0.1%▼ -0.2 percentage points vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 4.86, cash €48,052
Sector: Advertising, market research and public relations activities (NACE 73)
Equity €52,660 (81.4% of total assets)
Figures for financial year 2026 (filed on 31-10-2026)
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 73, micro). It does better than 87% of them on solvency, 88% on liquidity, 88% on profitability and 85% 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 30-06-2026.
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, 39,278 companies had the same profile as Heart Skills has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Heart Skills itself is lower: < 0.1% within 12 months. It rests on far more data about Heart Skills than the profile alone.
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 39,278 companies, not a prediction for Heart Skills. 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 4.86 (2.89 in 2025), above the usual 1.5. Short-term debt is 18.6% and cash 74.3% of total assets. 18.6% 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
5 signals, none raises the risk
Five signals.
lowers riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 29-10-2026, 94 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2026
94 days early
2025
2 days early
2024
17 days early
2023
28 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 35 days before the deadline. In the sector (NACE 73), the median for financial year 2024 was 6 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 30-06-2027 and is due by 31-01-2028. Nothing is late today. The company usually files around 9 January (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today30-06-2027 year end31-01-2028 deadline
Board and ownership
- IGODT Bert Luc Frans 100 sharesdeed of 31-10-2022
- FOCKEDEY Marjan Jacqueline Maria 100 sharesdeed of 31-10-2022
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0792961637
Incorporation
Founding capital of €3,200, 200 shares · Founders: IGODT Bert Luc Frans and FOCKEDEY Marjan Jacqueline Maria · Appointments: FOCKEDEY Marjan Jacqueline Maria (statutory director) and IGODT Bert Luc Frans (statutory director) · published on 31-10-2022 · Gazette deed
First establishment
Bremlaan 13, Waregem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Heart Skills Waregem | €64,658 | €32,815 | 81.4% | - |
| LVDC Consultancy Destelbergen | €62,273 | €33,569 | 34.8% | - |
| KEY PARTNERS AND INVESTMENTS Etterbeek | €66,822 | €30,633 | 74.7% | - |
| KAINOTOMICS Woluwe-Saint-Pierre | €60,536 | €33,199 | 9.6% | - |
| DGK Consult Rumst | €61,989 | €31,395 | 81.7% | - |
| Front Row Digital Ghent | €60,559 | €28,924 | 37.7% | - |
| TB MANAGEMENT Fléron | €73,807 | €34,035 | 54.0% | - |
These companies have the same main activity as Heart Skills: public relations and communication consultancy (NACE 73300). They are comparable in size and age: total assets between €60,500 and €73,800, founded in 2022.
Official details
Source: KBO- Status
- Active since 27-10-2022Normal situation
- Activity
- Public relations and communication consultancyNACE 73300and 4 others
- Establishment unit
- 2.338.922.8918790 Waregem, since 27-10-2022
- Financial year end
- 30 June
- Peppol
- Reachable since 13-10-2025
Annual accounts to 30-06-2026
- €64,658▲ 38.9%
- Filing
- Filed on 29-10-2026, 94 days before the end of the filing period
Insights on Heart Skills
Heart Skills files the micro format. That format states no turnover. The gross margin fell from €61,530 in 2023 to €32,815 in 2026.
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 Heart Skills
- What is the company number of Heart Skills?
- The company number of Heart Skills is 0792.961.637. The VAT number is the same number with BE in front: BE 0792.961.637.
- Where is Heart Skills based?
- The registered office is at Bremlaan 13, 8790 Waregem.Company details
- What does Heart Skills do?
- According to the KBO register, the main activity is public relations and communication consultancy (NACE 73300).
- What is the legal form of Heart Skills?
- Heart Skills is a private limited company (BV).
- When was Heart Skills founded?
- Heart Skills was founded on 27-10-2022.
- Is Heart Skills still active?
- Yes, Heart Skills is an active enterprise in the KBO register.
- What is the turnover of Heart Skills?
- The turnover in financial year 2026 is ≈ €87,000. This figure is estimated from the gross margin of €32,815 and 45 comparable companies (NACE 73). It probably lies between €61,000 and €120,000.Financials
- Is Heart Skills profitable?
- In financial year 2026, Heart Skills made a profit of €18,722.
- Where can I find the annual accounts of Heart Skills?
- Heart Skills filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
- When are the next annual accounts of Heart Skills due?
- Heart Skills must file the annual accounts for financial year 2027 by 31-01-2028.Timeline
Next steps
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