Skip to content

Heartwise Advice

Active Risk: not assessed
Public limited companyfounded 2009active for 17 yearsGaston Crommenlaan 8, 9050 Gent, BelgiumKBO/BCE: BE 0816.591.134
Summary

Heartwise Advice 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 €693,399 and a net result of €144,591. Equity has been growing by about 13% per year since 2019. Its solvency ranks better than 74% of 1,850 sector peers (NACE 66, financial year 2025). The company has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow ReportCompare
Heartwise AdviceActive
Risk analysis ReportCompare

Overview

Official details

Source: KBO
Status
Active since 30-06-2009 Normal situation
Registered office
88 active companies are registered at this address 6 started in the 12 months before. Source: KBO register, as of 2 November 2026.
Activity
Insurance agents and brokers NACE 66220and 1 other
Establishment unit
2.179.382.439 9860 Oosterzele, since 16-07-2009
Financial year end
30 September
Peppol
Reachable since 07-11-2025
Company details

Board and ownership

Board
Shareholders
Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts to 30-09-2025
Profit
€144,591
▼ 32.2%
Equity
€693,399
▲ 8.5%
Total assets
€1.0m
▲ 11.8%
Filed on 03-04-2026, 27 days before the deadline
Financials
SignalsneutralLatest accounts filed on timeShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

1 signal.
neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 03-04-2026, 27 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
27 days early
2024
26 days early
2023
32 days early
2022
26 days early
2021
25 days early
2020
28 days early
2019
6 days early
← 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 24 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 4 April (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-09-2026 year end02-11-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 7 profitable years in a rowprofit 2025: €144,591 7 years View
  • Caution: Result fell in 2025from €213,287 to €144,591 ▼ 32.2% View

Recent changes

  1. · Gazette deed Changes of role: FILANCO, OROSCONSULTING and PETRAWEALTHADVISORSPermanent representatives: LANSLOTSPaulKarelJozefMaria and BUYSSEDavidIlja
  2. · Gazette deed Reappointments: Petra Wealth Advisors bv, Oros Consulting bv and Filanco bvPermanent representatives: Buysse David and Lanslots Paul
  3. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as Heartwise Advice: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €868,000 and €1.6m, founded between 1998 and 2016.

CompanyTotal assetsGross margin
Heartwise Advice Gent€1.0m€0.2m
THIBAULT MARTENS Sint-Martens-Latem€0.9m€0.08m
PORTHOS VERZEKERINGEN Antwerpen€1.3m€0.1m
CONSILIUM Gst Waterloo€0.9m€0.2m
BALKAYA GROUP Schaarbeek€1.6m€0.2m
Joso Knokke-Heist€1.5m€0.2m
leroy assurfinance Sambreville€0.9m€0.4m
Full comparison

Key facts about Heartwise Advice
What is the company number of Heartwise Advice?
The company number of Heartwise Advice is 0816.591.134. The VAT number is the same number with BE in front: BE 0816.591.134.
Where is Heartwise Advice based?
The registered office is at Gaston Crommenlaan 8, 9050 Gent.Company details
What does Heartwise Advice do?
According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
What is the legal form of Heartwise Advice?
The legal form of Heartwise Advice is Public limited company (NV).
When was Heartwise Advice founded?
Heartwise Advice was founded on 30-06-2009.
Is Heartwise Advice still active?
Yes, Heartwise Advice is an active enterprise in the KBO register.
What is the turnover of Heartwise Advice?
The turnover in financial year 2025 is ≈ €320,000. This figure is estimated from the gross margin of €167,712 and 31 comparable companies (NACE 66220). It probably lies between €260,000 and €430,000.Financials
Is Heartwise Advice profitable?
In financial year 2025, Heartwise Advice made a profit of €144,591.
Where can I find the annual accounts of Heartwise Advice?
Heartwise Advice filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Heartwise Advice due?
Heartwise Advice must file the annual accounts for financial year 2026 by 30-04-2027.Timeline

Next steps

Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See what changed in the latest annual accounts.What changed See this company's board, registered office and name on a given date.Company as of a date

See how customers, suppliers and banks see your own company and what to improve first.

Keep this company with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure