Heimhafen
ActiveHeimhafen has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.65M and a net result of €134k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 21% of 8657 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability20▲+20
Solvency43▲+2
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 1.18 in 2024; short-term debt: 81.9% and cash: 2.3% of total assets), and 81.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
18.1%
Return on assets
0.9%
Age of the figures
9 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 8657 sector peers (2025).
NBB · sector comparisonPosition among 8657 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-12-2025 was due by 30-07-2026 and was filed on 06-05-2026, 85 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
85 d early
2024
61 d early
2023
22 d late
2022
68 d early
2021
82 d early
2020
87 d early
2019
62 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-12-2026 and is due by 30-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-12-2026 close30-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.65M▲ 5.3%
2024 · €2.52M
2018: €3.51M
2019: €3.88M
2020: €3.96M
2021: €4.69M
2022: €4.86M
2023: €5.13M
2024: €2.52M
2018 → 2025
Total assets
€14.62M▼ 5.8%
2024 · €15.52M
2018: €17.55M
2019: €17.96M
2020: €18.07M
2021: €18.80M
2022: €18.73M
2023: €18.83M
2024: €15.52M
2018 → 2025
Net result
€134k
2024 · €-2.61M
2018: €334k
2019: €364k
2020: €87k
2021: €721k
2022: €173k
2023: €272k
2024: €-2.61M
2018 → 2025
Working capital
€2.54M▲ 6.6%
2024 · €2.38M
2018: €2.14M
2019: €2.71M
2020: €2.82M
2021: €4.40M
2022: €4.46M
2023: €5.02M
2024: €2.38M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.69M-€4.86M▲ 3.7%€5.13M▲ 5.6%€2.52M▼ 51.0%€2.65M▲ 5.3%
Operating result€-638k-€-325k▲ 49.0%€-426k▼ 30.8%€-390k▲ 8.4%€-372k▲ 4.6%
Net result€721k-€173k▼ 76.1%€272k▲ 57.8%€-2.61M€134k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €372k in 2025 against €390k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14.62M
Fixed assets
€106k▼ 18.6%
Current assets
€14.51M▼ 5.7%
Equity and liabilities €14.62M
Equity
€2.65M▲ 5.3%
Debt
€11.97M▼ 8.0%
The debt ratio falls from 83.8% to 81.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-342k▲
2024 · €-370k
Cash flow
€164k▲
2024 · €-2.59M
Solvency
18.1%▲
2024 · 16.2%
Current ratio
1.21▲
2024 · 1.18
Quick ratio
1.21▲
2024 · 1.18
Debt / equity
4.52▼
2024 · 5.17
ROE
5.0%▲
2024 · -104.0%
ROA
0.9%▲
2024 · -16.8%
Interest coverage
-67.46▼
2024 · -0.13
Debt
€11.97M▼
2024 · €13.01M
Debt ≤ 1 year
€11.97M▼
2024 · €13.01M
Staff costs
€247k▲
2024 · €214k
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€15.52M€14.62M▼
Fixed assets21/28€131k€106k▼
Tangible fixed assets22/27€130k€106k▼
Plant, machinery and equipment23€9k€8k▼
Furniture and vehicles24€121k€98k▼
Financial fixed assets28€545€545=
Current assets29/58€15.39M€14.51M▼
Amounts receivable after more than one year29€5.01M€5.01M=
Other amounts receivable291€5.01M€5.01M=
Amounts receivable within one year40/41€4.31M€3.18M▼
Other amounts receivable41€4.31M€3.18M▼
Current investments50/53€5.78M€5.46M▼
Cash at bank and in hand54/58€3k€337k▲
Deferred charges and accrued income490/1€292k€526k▲
Equity and liabilities
Total equity and liabilities10/49€15.52M€14.62M▼
Equity10/15€2.52M€2.65M▲
Contributions10/11€3.00M€3.00M=
Reserves13€9k€9k=
Tax-exempt reserves132€9k€9k=
Profit (loss) carried forward14€-494k€-360k▲
Amounts payable17/49€13.01M€11.97M▼
Amounts payable within one year42/48€13.01M€11.97M▼
Trade debts44€23k€15k▼
Suppliers440/4€23k€15k▼
Taxes, remuneration and social security45€27k€31k▲
Remuneration and social security454/9€27k€31k▲
Other amounts payable47/48€12.96M€11.92M▼
Income statement
Code20242025
Remuneration, social security and pensions62€214k€247k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€30k▲
Other operating charges640/8€997€1k▲
Non-recurring operating charges66A€22k-
Gross operating margin9900€-132k€-94k▲
Operating profit (loss)9901€-390k€-372k▲
Financial income75/76B€566k€511k▼
Recurring financial income75€566k€511k▼
Financial charges65/66B€2.79M€5k▼
Recurring financial charges65€2.79M€5k▼
Profit (loss) for the period before taxes9903€-2.61M€134k▲
Profit (loss) for the period9904€-2.61M€134k▲
Profit (loss) for the period to be appropriated9905€-2.61M€134k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2.61M€-360k▲
Profit (loss) brought forward from the previous period14P-€-494k
Transfer from equity791/2€2.12M-
Social balance
Average headcount (FTE)90872.32.5▲
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
2026
06-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-12
Financial
Back to profitnet €134k
Net result €134k after one loss-making year.
30-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-12
Financial
Weakest financial yearnet €-2.61M ▼1061%
Net result drops to €-2.61M, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 22 days late
2023
30-12
Financial
Equity above €5MEq €5.13M ▲5.6%
6 profitable years in a row build equity to €5.13M.
23-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
09-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-12
Financial
Highest result since 2018net €721k ▲725%
Net result €721k, the highest in the series.
04-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-06
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
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, Brasschaat · 1 establishment unit since 2013
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.
Sionkloosterlaan 522930 BrasschaatGround area
2.3 ha
Building footprint
699 m²
Volume, LiDAR
7,467 m³
Parcel 11008A0039/00M000, Flanders · tallest building 17.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Heimhafen
since 20132.217.853.134
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11008A0039/00M000 | Flanders | 2.3 ha | 1 · 699 m² | 17.3 m · 4 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 5,700 companies in sector 70100 we hold annual accounts for 3,495. 1,452 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2013
Fiscal year end30-12
Activities, NACEBEL
70100Activities of head offices
96999Other personal services
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.