Heart Skills
ActiveSummary
Heart Skills has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €2k. Equity is shrinking by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 68% of 7029 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+63
Solvency98▲+10
Growth32=
Track record94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.89 against 2.99 in 2024; short-term debt: 27.1% and cash: 44.5% of total assets), and 27.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
2 d early
2024
17 d early
2023
28 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▲ 7.3%
2024 · €32k
2023: €40k
2024: €32k
2023 → 2025
Total assets
€47k▼ 7.0%
2024 · €50k
2023: €89k
2024: €50k
2023 → 2025
Net result
€2k
2024 · €-9k
2023: €39k
2024: €-9k
2023 → 2025
Working capital
€24k▼ 5.2%
2024 · €25k
2023: €32k
2024: €25k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€40k-€32k▼ 21.3%€34k▲ 7.3%
Operating result€55k-€-7k€4k
Net result€39k-€-9k€2k
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: €4k after a loss of €7k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €47k
Fixed assets
€10k ▼ 17.3%
Current assets
€37k ▼ 3.7%
Equity and liabilities €47k
Equity
€34k ▲ 7.3%
Debt
€13k ▼ 31.4%
Debt's share of the balance-sheet total falls from 36.8% to 27.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▲
2024 · €2k
Cash flow
€11k▲
2024 · €431
Current ratio
2.89▼
2024 · 2.99
Debt to equity
0.37▼
2024 · 0.58
ROE
6.8%▲
2024 · -27.1%
ROA
4.9%▲
2024 · -17.1%
Interest coverage
24.87▲
2024 · 1.43
Debt ≤ 1 year
€13k▼
2024 · €13k
Income taxes
€1k▲
2024 · €138
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€50k€47k▼
Fixed assets21/28€12k€10k▼
Tangible fixed assets22/27€12k€10k▼
Furniture and vehicles24€12k€10k▼
Current assets29/58€38k€37k▼
Amounts receivable within one year40/41€6k€16k▲
Trade receivables40€473€15k▲
Other amounts receivable41€6k€291▼
Cash at bank and in hand54/58€31k€21k▼
Deferred charges and accrued income490/1€298€279▼
Equity and liabilities
Total equity and liabilities10/49€50k€47k▼
Equity10/15€32k€34k▲
Contributions10/11€3k€3k=
Reserves13€37k€37k=
Distributable reserves133€37k€37k=
Profit (loss) carried forward14€-9k€-6k▲
Amounts payable17/49€18k€13k▼
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€13k€13k▼
Current portion of amounts payable after more than one year42€9k€4k▼
Trade debts44€130€2k▲
Suppliers440/4€130€2k▲
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€2k€3k▲
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Other operating charges640/8€587€291▼
Gross operating margin9900€2k€13k▲
Operating profit (loss)9901€-7k€4k▲
Financial income75/76B€96€294▲
Recurring financial income75€96€294▲
Financial charges65/66B€1k€513▼
Recurring financial charges65€1k€513▼
Profit (loss) for the period before taxes9903€-8k€4k▲
Income taxes67/77€138€1k▲
Profit (loss) for the period9904€-9k€2k▲
Profit (loss) for the period to be appropriated9905€-9k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-6k▲
Profit (loss) brought forward from the previous period14P-€-9k
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (5 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
14-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €-9k ▼122%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
03-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Waregem · 1 establishment unit since 2022
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.
Bremlaan 138790 WaregemGround area
793 m²
Building footprint
153 m²
Volume, LiDAR
581 m³
Parcel 34040C0106/00B003, Flanders · tallest building 8.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Heart Skills
since 20222.338.922.891
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34040C0106/00B003 | Flanders | 793 m² | 1 · 153 m² | 8.2 m · 1 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 13,421 companies in sector 73300 we hold annual accounts for 6,901. 5,244 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-10-2022
Fiscal year end30-06
Activities, NACEBEL 2025
73300Public relations and communication consultancy
78100Employment placement agencies
78200Temporary employment agencies and other provision of personnel
82100Office administrative and support services
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.