HEBIAS
ActiveHEBIAS has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €133k and a net result of €33k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 35% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-10
Solvency62▲+11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.44 against 1.72 in 2024; short-term debt: 62.6% and cash: 12.2% of total assets), and 62.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
37.4%
Return on assets
9.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
7 d late
2024
3 d early
2023
8 d late
2022
on the day
2021
on the day
2020
1 d early
2019
21 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€133k▲ 33.5%
2024 · €100k
2019: €36k
2020: €78k
2021: €87k
2022: €9k
2023: €33k
2024: €100k
2019 → 2025
Total assets
€356k▼ 7.0%
2024 · €383k
2019: €64k
2020: €127k
2021: €176k
2022: €204k
2023: €272k
2024: €383k
2019 → 2025
Net result
€33k▼ 49.8%
2024 · €67k
2019: €17k
2020: €42k
2021: €9k
2022: €-78k
2023: €24k
2024: €67k
2019 → 2025
Working capital
€98k▼ 32.4%
2024 · €146k
2019: €49k
2020: €47k
2021: €50k
2022: €-21k
2023: €12k
2024: €146k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€87k-€9k▼ 89.1%€33k▲ 252%€100k▲ 200%€133k▲ 33.5%
Operating result€17k-€-74k€45k€104k▲ 134%€61k▼ 41.6%
Net result€9k-€-78k€24k€67k▲ 178%€33k▼ 49.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €356k
Fixed assets
€35k▼ 0.5%
Current assets
€321k▼ 7.7%
Equity and liabilities €356k
Equity
€133k▲ 33.5%
Debt
€223k▼ 21.3%
The debt ratio falls from 73.9% to 62.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75k▼
2024 · €118k
Cash flow
€47k▼
2024 · €80k
Solvency
37.4%▲
2024 · 26.1%
Current ratio
1.44▼
2024 · 1.72
Quick ratio
1.44▼
2024 · 1.72
Debt / equity
1.67▼
2024 · 2.83
ROE
25.1%▼
2024 · 66.6%
ROA
9.4%▼
2024 · 17.4%
Interest coverage
20.15▲
2024 · 14.32
Debt
€223k▼
2024 · €283k
Debt ≤ 1 year
€223k▲
2024 · €202k
Income taxes
€24k▼
2024 · €30k
Staff costs
€185k▼
2024 · €191k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€383k€356k▼
Fixed assets21/28€35k€35k▼
Intangible fixed assets21€32k€24k▼
Tangible fixed assets22/27€1k€8k▲
Plant, machinery and equipment23€1k€5k▲
Furniture and vehicles24-€3k
Financial fixed assets28€2k€3k▲
Current assets29/58€348k€321k▼
Amounts receivable within one year40/41€295k€272k▼
Trade receivables40€295k€272k▼
Other amounts receivable41€347€8▼
Cash at bank and in hand54/58€49k€43k▼
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€383k€356k▼
Equity10/15€100k€133k▲
Contributions10/11€19k€19k=
Reserves13€17k€17k=
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€15k€17k▲
Profit (loss) carried forward14€64k€98k▲
Amounts payable17/49€283k€223k▼
Amounts payable within one year42/48€202k€223k▲
Current portion of amounts payable after more than one year42€0-
Financial debts43-€40k
Credit institutions430/8-€40k
Trade debts44€66k€53k▼
Suppliers440/4€66k€53k▼
Taxes, remuneration and social security45€125k€118k▼
Taxes450/3€99k€89k▼
Remuneration and social security454/9€26k€29k▲
Other amounts payable47/48€11k€11k▲
Accrued charges and deferred income492/3€81k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€191k€185k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€312k€262k▼
Operating profit (loss)9901€104k€61k▼
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€8k€4k▼
Recurring financial charges65€8k€4k▼
Profit (loss) for the period before taxes9903€96k€57k▼
Income taxes67/77€30k€24k▼
Profit (loss) for the period9904€67k€33k▼
Profit (loss) for the period to be appropriated9905€67k€33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€64k€98k▲
Profit (loss) brought forward from the previous period14P€-2k€64k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (16 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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
31-12
Financial
Equity above €100kEq €133k ▲33.5%
3 profitable years in a row build equity to €133k.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €67k ▲178%
Operating result €104k, net result €67k, both a record.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-78k ▼925%
Net result drops to €-78k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Ronse · 1 establishment unit since 2017
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.
Léopold Sturbautstraat 609600 RonseGround area
452 m²
Building footprint
118 m²
Volume, LiDAR
999 m³
Parcel 45422D0778/00W002, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HEBIAS
since 20172.270.338.943
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45422D0778/00W002 | Flanders | 451 m² | 1 · 118 m² | 11.0 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 2,412 EUR awarded · 2,412 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 266 EUR | 266 EUR |
| 2024 | 1 | 259 EUR | 259 EUR |
| 2023 | 1 | 257 EUR | 257 EUR |
| 2022 | 1 | 1,630 EUR | 1,630 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 40,875 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-11-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46190Agents in non-specialised wholesale trade
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.