HEBRU
ActiveHEBRU 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 €165k and a net result of €90k. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 64% of 5487 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 5 filingsDeviation from the deadline
2025
28 d late
2024
34 d early
2023
27 d late
2022
28 d late
2021
26 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€165k▼ 52.2%
2024 · €345k
2021: €74k
2022: €95k
2023: €193k
2024: €345k
2021 → 2025
Net result
€90k▼ 40.7%
2024 · €151k
2021: €-1k
2022: €22k
2023: €98k
2024: €151k
2021 → 2025
Total assets
€244k▼ 37.6%
2024 · €392k
2021: €108k
2022: €175k
2023: €306k
2024: €392k
2021 → 2025
Solvency
67.4%▼ 20.6pp
2024 · 88.0%
2021: 68.6%
2022: 54.7%
2023: 63.1%
2024: 88.0%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€74k-€95k▲ 29.4%€193k▲ 103%€345k▲ 78.1%€165k▼ 52.2%
Operating result€13-€32k▲ 250,014%€135k▲ 323%€198k▲ 46.4%€121k▼ 38.9%
Net result€-1k-€22k€98k▲ 352%€151k▲ 54.2%€90k▼ 40.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €244k
Fixed assets
€91k▼ 2.8%
Current assets
€153k▼ 48.6%
Equity and liabilities €244k
Equity
€165k▼ 52.2%
Debt
€80k▲ 68.9%
The debt ratio rises from 12.0% to 32.6%: debt grows while equity shrinks.
Key figures and ratios
Solvency
67.4%▼
2024 · 88.0%
ROE
54.4%▲
2024 · 43.9%
ROA
36.7%▼
2024 · 38.6%
Debt
€80k▲
2024 · €47k
Debt ≤ 1 year
€80k▲
2024 · €46k
Income taxes
€32k▼
2024 · €47k
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€392k€244k▼
Fixed assets21/28€94k€91k▼
Intangible fixed assets21€606€409▼
Tangible fixed assets22/27€8k€6k▼
Land and buildings22-€3k
Plant, machinery and equipment23€308€168▼
Furniture and vehicles24€8k€3k▼
Financial fixed assets28€85k€85k=
Current assets29/58€298k€153k▼
Amounts receivable within one year40/41€180k€13k▼
Trade receivables40€141k€13k▼
Other amounts receivable41€39k€0▼
Current investments50/53-€90k
Cash at bank and in hand54/58€117k€47k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€392k€244k▼
Equity10/15€345k€165k▼
Contributions10/11€75k€75k=
Reserves13€270k€90k▼
Distributable reserves133€270k€90k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€47k€80k▲
Amounts payable within one year42/48€46k€80k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€1k€243▼
Suppliers440/4€1k€243▼
Taxes, remuneration and social security45€45k€25k▼
Taxes450/3€45k€25k▼
Other amounts payable47/48€0€54k▲
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€5k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€207k€128k▼
Operating profit (loss)9901€198k€121k▼
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€199k€122k▼
Income taxes67/77€47k€32k▼
Profit (loss) for the period9904€151k€90k▼
Profit (loss) for the period to be appropriated9905€151k€90k▼
Appropriation of the result
Profit (loss) to be appropriated9906€151k€90k▼
Transfer from equity791/2-€270k
Transfer to equity691/2€151k€90k▼
To other reserves6921€151k€90k▼
Profit to be distributed694/7-€270k
Return on contributions (dividend)694-€270k
The notes to these accounts (13 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2021net €151k ▲54.2%
Operating result €198k, net result €151k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 6.48
Current ratio from 1.86 to 6.48; short-term debt falls from €111k to €46k.
31-12
Financial
Equity above €200kEq €345k ▲78.1%
3 profitable years in a row build equity to €345k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 1.86
Current ratio from 0.92 to 1.86.
31-12
Financial
Equity above €150kEq €193k ▲103%
2 profitable years in a row build equity to €193k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 28 days late
2022
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
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, Tielt · 1 establishment unit since 2021
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.
Wingensesteenweg 32A8700 TieltGround area
1,572 m²
Building footprint
418 m²
Volume, LiDAR
1,773 m³
Parcel 37015A0890/00K000, Flanders · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HEBRU
since 20212.316.916.858
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37015A0890/00K000 | Flanders | 1,572 m² | 1 · 418 m² | 11.1 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteTielt2.316.916.858
Legal Entity Identifier
8945005IRY8D68J98719
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,323 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-04-2021
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
46170Agents in the wholesale of food, beverages and tobacco
46341Wholesale of wines and spirits
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.