HEARTworkx

Active

Private limited companyfounded 20251 yr activeEksaardebaan 49, 9160 Lokeren, BelgiumKBO/BCE: BE 1019.354.192

Summary

HEARTworkx has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €22,206 and a net result of €18,206. Its solvency ranks better than 70% of 90 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

HEARTworkxActiveChecked score 97/100

Risk analysis Report Compare

Activity

Photography, excluding press photography

NACE 74201

1 site

Size

€30,803total assets 2026

Equity: €22,206
Profit: €18,206

Turnover not published (abridged schema)

Financial health

97 Excellent Checked score 2026

Bankruptcy chance 12 m: 0.1%

Structure

Accounts 29 d early0 of 1 deed read

Why 97- Founded in 2025- Size: total assets €30,803+ Sector Other professional, scientific and technical activities (NACE 74)+ Liquidity: current ratio 2.26, cash €16,785Show the evidence

Checked score

Score 2026

97 / 100

Excellent

Probability in this band: under 0.55%

Better than 81% of its sector peers (NACE 74, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 97

equity 72.1% of total assets

Liquidity 89

short-term debt 27.9% · cash 54.5%

Profitability 100

return on assets 59.1%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (5,407 companies)

Last 24 months 02-2026: 0.5% 03-2026: 0.5%● 0.0% vs 02-2026 04-2026: 0.6%▲ +2.0% vs 03-2026 05-2026: 0.6%▲ +3.4% vs 04-2026 06-2026: 0.6%▲ +4.9% vs 05-2026 07-2026: 0.7%▲ +12.1% vs 06-2026 08-2026: 0.7%● 0.0% vs 07-2026 09-2026: 0.7%▲ +10.9% vs 08-2026highest value 10-2026: 0.1%▼ -86.7% vs 09-2026lowest value

Sector Other professional, scientific and technical activities (NACE 74) lowers the probability
Liquidity: current ratio 2.26, cash €16,785 lowers the probability
Founded in 2025 raises the probability for this profile
Size: total assets €30,803 raises the probability for this profile

Credit up to €2,000 at 30 days acceptable

Liquidity ample (current ratio 2.26; short-term debt: 27.9% and cash: 54.5% of total assets), and 27.9% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 74, micro). Better than this share of them on solvency 74%, liquidity 82%, profitability 88%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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