HECOMA
ActiveHECOMA has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €453k and a net result of €58k. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 69% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+5
Solvency99▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 2.94 in 2024; short-term debt: 21.3% and cash: 8.7% of total assets), and 26.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
73.6%
Return on assets
9.5%
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 06-08-2026, 6 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 · 10 filingsDeviation from the deadline
2025
6 d late
2024
9 d early
2023
19 d early
2022
8 d late
2021
25 d late
2020
17 d late
2019
57 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€453k▲ 3.7%
2024 · €437k
2018: €317k
2019: €372k
2020: €438k
2021: €435k
2022: €479k
2023: €446k
2024: €437k
2018 → 2025
Total assets
€616k▲ 7.9%
2024 · €571k
2018: €568k
2019: €674k
2020: €708k
2021: €660k
2022: €629k
2023: €576k
2024: €571k
2018 → 2025
Net result
€58k▲ 71.2%
2024 · €34k
2018: €23k
2019: €55k
2020: €66k
2021: €63k
2022: €60k
2023: €22
2024: €34k
2018 → 2025
Working capital
€35k▼ 69.6%
2024 · €114k
2018: €94k
2019: €111k
2020: €146k
2021: €104k
2022: €150k
2023: €123k
2024: €114k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€435k-€479k▲ 10.3%€446k▼ 6.9%€437k▼ 2.1%€453k▲ 3.7%
Operating result€99k-€95k▼ 4.3%€7k▼ 93.1%€58k▲ 785%€92k▲ 59.7%
Net result€63k-€60k▼ 4.3%€22▼ 100.0%€34k▲ 155,602%€58k▲ 71.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 60% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €616k
Fixed assets
€450k▲ 13.1%
Current assets
€166k▼ 4.2%
Equity and liabilities €616k
Equity
€453k▲ 3.7%
Debt
€163k▲ 21.3%
The debt ratio rises from 23.5% to 26.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€92k▲
2024 · €59k
Cash flow
€59k▲
2024 · €35k
Solvency
73.6%▼
2024 · 76.5%
Current ratio
1.26▼
2024 · 2.94
Quick ratio
1.20▼
2024 · 2.80
Debt / equity
0.36▲
2024 · 0.31
ROE
12.9%▲
2024 · 7.8%
ROA
9.5%▲
2024 · 6.0%
Interest coverage
20.47▲
2024 · 17.15
Debt
€163k▲
2024 · €134k
Debt ≤ 1 year
€131k▲
2024 · €59k
Debt > 1 year
€31k▼
2024 · €75k
Income taxes
€30k▲
2024 · €21k
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€571k€616k▲
Fixed assets21/28€398k€450k▲
Tangible fixed assets22/27€1k€825▼
Furniture and vehicles24€1k€825▼
Financial fixed assets28€397k€449k▲
Current assets29/58€173k€166k▼
Stocks and contracts in progress3€8k€9k▲
Stocks30/36€8k€9k▲
Amounts receivable within one year40/41€14k€13k▼
Trade receivables40€14k€13k▼
Other amounts receivable41€0-
Current investments50/53€86k€86k▲
Cash at bank and in hand54/58€61k€54k▼
Deferred charges and accrued income490/1€5k€5k▼
Equity and liabilities
Total equity and liabilities10/49€571k€616k▲
Equity10/15€437k€453k▲
Contributions10/11€134k€134k=
Reserves13€303k€319k▲
Distributable reserves133€303k€319k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€134k€163k▲
Amounts payable after more than one year17€75k€31k▼
Financial debts170/4€75k€31k▼
Amounts payable within one year42/48€59k€131k▲
Current portion of amounts payable after more than one year42€0€92k▲
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€24k€21k▼
Taxes450/3€24k€21k▼
Other amounts payable47/48€33k€14k▼
Accrued charges and deferred income492/3€246€140▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€936€381▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€60k€94k▲
Operating profit (loss)9901€58k€92k▲
Financial income75/76B€459€519▲
Recurring financial income75€459€519▲
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€55k€88k▲
Income taxes67/77€21k€30k▲
Profit (loss) for the period9904€34k€58k▲
Profit (loss) for the period to be appropriated9905€34k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€58k▲
Transfer from equity791/2€43k€42k▼
Transfer to equity691/2€34k€58k▲
To other reserves6921€34k€58k▲
Profit to be distributed694/7€43k€42k▼
Return on contributions (dividend)694€43k€42k▼
The notes to these accounts (14 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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €22 ▼100%
Net result drops to €22, the lowest in the series; recovery starts the following year.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 17 days late
2020
31-12
Financial
Highest result since 2018net €66k ▲21.8%
Operating result €106k, net result €66k, both a record.
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Tongeren-Borgloon · 1 establishment unit since 2003
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.
Putstraat 433700 Tongeren-BorgloonGround area
665 m²
Building footprint
233 m²
Volume, LiDAR
2,731 m³
Parcel 73083C0711/00G000, Flanders · tallest building 16.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Hecoma
since 20032.134.347.814
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73083C0711/00G000 | Flanders | 665 m² | 1 · 233 m² | 16.9 m · 5 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.
Similar companies · same sector, comparable size
TROPOS MANAGEMENT
BE 0632.761.979
Antwerpen · Eq €453k
K-PLAN
BE 0892.465.227
Antwerpen · Eq €453k
MEERWAARDE,OMNIPRESENCE,SYMPATHIE & TRIAL
BE 0871.856.685
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BYRMA
BE 0873.061.465
Mechelen · Eq €453k
BD.sure
BE 0727.444.075
Brecht · Eq €453k
Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 35,422 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-2003
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.