HEIDI BRUGGEMAN 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 €171k and a net result of €17k. Equity is growing by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 38% of 8024 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-12-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
29 d early
2023
49 d early
2022
48 d early
2021
2 d late
2020
2 d early
2019
39 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€171k▲ 11.1%
2024 · €154k
2019: €82k
2020: €90k
2021: €105k
2022: €120k
2023: €136k
2024: €154k
2019 → 2025
Net result
€17k▼ 7.3%
2024 · €18k
2019: €15k
2020: €14k
2021: €15k
2022: €15k
2023: €16k
2024: €18k
2019 → 2025
Total assets
€470k▼ 1.2%
2024 · €475k
2019: €455k
2020: €464k
2021: €461k
2022: €458k
2023: €456k
2024: €475k
2019 → 2025
Solvency
36.5%▲ 4.0pp
2024 · 32.4%
2019: 18.0%
2020: 19.3%
2021: 22.8%
2022: 26.2%
2023: 29.8%
2024: 32.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€105k-€120k▲ 14.3%€136k▲ 13.3%€154k▲ 13.6%€171k▲ 11.1%
Operating result€30k-€29k▼ 2.7%€31k▲ 7.0%€35k▲ 11.0%€33k▼ 4.6%
Net result€15k-€15k▼ 1.3%€16k▲ 6.1%€18k▲ 16.0%€17k▼ 7.3%
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 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €470k
Fixed assets
€468k▼ 1.1%
Current assets
€2k▼ 30.9%
Equity and liabilities €470k
Equity
€171k▲ 11.1%
Debt
€298k▼ 7.2%
The debt ratio falls from 67.6% to 63.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
36.5%▲
2024 · 32.4%
ROE
10.0%▼
2024 · 11.9%
ROA
3.6%▼
2024 · 3.9%
Debt
€298k▼
2024 · €321k
Debt ≤ 1 year
€62k▲
2024 · €62k
Debt > 1 year
€236k▼
2024 · €259k
Income taxes
€7k▼
2024 · €7k
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€475k€470k▼
Fixed assets21/28€473k€468k▼
Tangible fixed assets22/27€23k€18k▼
Furniture and vehicles24€23k€18k▼
Financial fixed assets28€450k€450k=
Current assets29/58€3k€2k▼
Amounts receivable within one year40/41€5-
Trade receivables40€5-
Cash at bank and in hand54/58€2k€982▼
Deferred charges and accrued income490/1€892€948▲
Equity and liabilities
Total equity and liabilities10/49€475k€470k▼
Equity10/15€154k€171k▲
Contributions10/11€6k€6k=
Reserves13€148k€165k▲
Distributable reserves133€148k€165k▲
Amounts payable17/49€321k€298k▼
Amounts payable after more than one year17€259k€236k▼
Financial debts170/4€259k€236k▼
Amounts payable within one year42/48€62k€62k▲
Current portion of amounts payable after more than one year42€23k€23k▲
Financial debts43€1k€1k▼
Credit institutions430/8€1k€1k▼
Trade debts44€35€79▲
Suppliers440/4€35€79▲
Taxes, remuneration and social security45€8k€8k▲
Taxes450/3€7k€7k▲
Remuneration and social security454/9€1k€1k▲
Other amounts payable47/48€30k€29k▼
Accrued charges and deferred income492/3€165€165=
Income statement
Code20242025
Non-recurring operating income76A€935-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€5k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€39k€40k▲
Operating profit (loss)9901€35k€33k▼
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€25k€24k▼
Income taxes67/77€7k€7k▼
Profit (loss) for the period9904€18k€17k▼
Profit (loss) for the period to be appropriated9905€18k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€17k▼
Transfer to equity691/2€18k€17k▼
To other reserves6921€18k€17k▼
The notes to these accounts (6 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
2025
18-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
02-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €18k ▲16%
Operating result €35k, net result €18k, both a record.
30-06
Financial
Equity above €150kEq €154k ▲13.6%
6 profitable years in a row build equity to €154k.
2023
13-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
14-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
02-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
30-06
Financial
Equity above €100kEq €105k ▲16.9%
3 profitable years in a row build equity to €105k.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €14k ▼6.8%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
2019
23-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
02-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
15-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Eeklo · 1 establishment unit since 2010
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.
Hazelaarstraat 219900 EekloGround area
295 m²
Building footprint
142 m²
Volume, LiDAR
801 m³
Parcel 43352E0098/00G002, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Heidi Bruggeman BVBA
since 20102.193.696.471
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43352E0098/00G002 | Flanders | 295 m² | 1 · 142 m² | 10.2 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 13,424 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-10-2010
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.