Age3 yrs
Real estate1 parcel · 3,253 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Heb Immo is 3.5% (moderate). The 2024 annual accounts show equity of €501k and a net result of €-32k. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone3.5%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+No NACE activity registered
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidencePersistent losses
Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 33 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-07-2025, 16 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not confirmed | - |
| 31-12-2024 | 31-07-2025 | 15-07-2025 | 16 d early | 2025-00271940 |
| 31-12-2023 | 31-07-2024 | 23-05-2024 | 69 d early | 2024-00094098 |
Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated schema)
EBIT marginNot published (abbreviated schema)
Net result€-32k+67.4%
Working capital€-79k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 15-07-2025 with the NBB · fiscal year 2024 · verkort
€57k
+32.8%
23-24
€-32k
+67.4%
23-24
€19k
+209.5%
23-24
€1.51M
+0.2%
23-24
€501k
-6.0%
23-24
€-79k
-
23-24
€1.01M
+3.6%
23-24
€89k
+250.3%
23-24
Show 8 other metrics
€925k
-3.0%
23-24
0.11
-91.2%
23-24
0.11
-91.2%
23-24
33.1%
-6.2%
23-24
2.02
+10.3%
23-24
-6.4%
+65.4%
23-24
-2.1%
+67.5%
23-24
1.49
+28.1%
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | €57k |
| Net profit | €-32k |
| Cash flow | €19k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €1.51M |
| Equity | €501k |
| Debt | €1.01M |
| of which ≤ 1y | €89k |
| of which > 1y | €925k |
| Working capital | €-79k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.11 |
| Quick ratio | 0.11 |
| Working capital ratio | -5.2% |
| Solvency | 33.1% |
| Debt / equity | 2.02 |
| Long-term debt ratio | 1.85 |
| Interest coverage | 1.49 |
| Gross margin | - |
| Net margin | - |
| ROA | -2.1% |
| ROE | -6.4% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1.51M |
| Fixed assets | 21/28 | €1.50M |
| Tangible fixed assets | 22/27 | €1.50M |
| Current assets | 29/58 | €10k |
| Amounts receivable within one year | 40/41 | €2k |
| Cash & bank | 54/58 | €7k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.51M |
| Equity | 10/15 | €501k |
| Contributions / capital | 10/11 | €632k |
| Accumulated profits (losses) | 14 | €-131k |
| Amounts payable | 17/49 | €1.01M |
| Amounts payable after one year | 17 | €925k |
| Amounts payable within one year | 42/48 | €89k |
| Trade debts payable within one year | 44 | €61k |
| Income statement | ||
| Gross operating margin | 9900 | €59k |
| Operating result | 9901 | €6k |
| Financial charges | 65 | €39k |
| Result before taxes | 9903 | €-32k |
| Net result for the period | 9904 | €-32k |
| Result to be appropriated | 9905 | €-32k |
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed20
/ 100
Critical
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationHeb Immo
since 20222.340.119.060
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area3,253 m²
Buildings1
Building footprint1,425 m²
Volume (LiDAR)9,696 m³
Tallest building8.0 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44043A0818/00D000 | Flanders | 3,253 m² | 1 · 1,425 m² | 8.0 m · 2 fl. |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
2 acts Address history · 2
02-10-2025
Registered-office move
24-10-2024
Registered-office move
All acts · 2
updated 11 months ago
2025
02-10-2025 Registered office moved from Sint-Martens-Latem to Merelbeke
- Kortrijksesteenweg 48 bus 5, 9830 Sint-Martens-Latem → Heidestraat 9, 9820 Merelbeke
2024
24-10-2024 Registered office moved within Sint-Martens-Latem
- Kortrijksesteenweg 255 bus B -9830 Sint-Martens-Latem → Kortrijksesteenweg 48 bus 5,9830 Sint-Martens-Latem
Analysis
Financial profile
5 of 5 axes measured43
/ 100
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Health
20
Profitability
0
Solvency
41
Growth
58
Stability
94
Credit advice
verdict per customer and amountCompany registry
Company registry (CBE)
Crossroads BankNames & trade names
| Legal nameNL | Heb Immo |
Registered office
Heidestraat 9
9820 Merelbeke-Melle, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.