Heimwee
ActiveSummary
Heimwee has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €402k and a net result of €3k. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 9623 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability69=
Solvency87▲+6
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.52 against 2.26 in 2023; short-term debt: 34.3% and cash: 37.6% of total assets), and 37.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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
not confirmed
2024
29 d late
2023
28 d late
2022
3 d early
2021
8 d late
2020
1 d early
2019
59 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€402k▲ 0.7%
2023 · €399k
2019: €83k
2020: €341k
2021: €373k
2022: €398k
2023: €399k
2019 → 2024
Total assets
€643k▼ 9.8%
2023 · €713k
2019: €345k
2020: €811k
2021: €852k
2022: €860k
2023: €713k
2019 → 2024
Net result
€3k▲ 477%
2023 · €456
2019: €67k
2020: €259k
2021: €32k
2022: €13k
2023: €456
2019 → 2024
Working capital
€335k▲ 5.5%
2023 · €318k
2019: €131k
2020: €172k
2021: €263k
2022: €283k
2023: €318k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€341k-€373k▲ 9.3%€398k▲ 6.9%€399k▲ 0.1%€402k▲ 0.7%
Operating result€349k-€48k▼ 86.2%€30k▼ 37.7%€14k▼ 54.7%€13k▼ 5.2%
Net result€259k-€32k▼ 87.7%€13k▼ 58.5%€456▼ 96.5%€3k▲ 477%
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 has fallen four years in a row; 2024 is 5% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €643k
Fixed assets
€88k ▼ 39.0%
Current assets
€556k ▼ 2.4%
Equity and liabilities €643k
Equity
€402k ▲ 0.7%
Debt
€242k ▼ 23.0%
Debt's share of the balance-sheet total falls from 44.1% to 37.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€73k▼
2023 · €81k
Cash flow
€63k▼
2023 · €68k
Current ratio
2.52▲
2023 · 2.26
Quick ratio
1.65▲
2023 · 1.61
Debt to equity
0.60▼
2023 · 0.79
ROE
0.7%▲
2023 · 0.1%
ROA
0.4%▲
2023 · 0.1%
Interest coverage
10.21▲
2023 · 8.29
Debt ≤ 1 year
€221k▼
2023 · €252k
Debt > 1 year
€12k▼
2023 · €52k
Income taxes
€5k▲
2023 · €4k
Staff costs
€200k▼
2023 · €262k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 56 lines
Balance sheet
Code20232024
Assets
Total assets20/58€713k€643k▼
Fixed assets21/28€143k€88k▼
Tangible fixed assets22/27€128k€72k▼
Plant, machinery and equipment23€80k€40k▼
Furniture and vehicles24€11k€1k▼
Other tangible fixed assets26€37k€31k▼
Financial fixed assets28€15k€15k=
Current assets29/58€570k€556k▼
Amounts receivable after more than one year29€27k€0▼
Trade receivables290€27k€0▼
Stocks and contracts in progress3€163k€191k▲
Stocks30/36€163k€191k▲
Amounts receivable within one year40/41€129k€101k▼
Trade receivables40€77k€37k▼
Other amounts receivable41€52k€63k▲
Cash at bank and in hand54/58€231k€242k▲
Deferred charges and accrued income490/1€20k€22k▲
Equity and liabilities
Total equity and liabilities10/49€713k€643k▼
Equity10/15€399k€402k▲
Contributions10/11€19k€19k=
Reserves13€380k€383k▲
Distributable reserves133€380k€383k▲
Amounts payable17/49€314k€242k▼
Amounts payable after more than one year17€52k€12k▼
Financial debts170/4€52k€12k▼
Amounts payable within one year42/48€252k€221k▼
Current portion of amounts payable after more than one year42€39k€40k▲
Financial debts43€32€0▼
Credit institutions430/8€32€0▼
Trade debts44€105k€77k▼
Suppliers440/4€105k€77k▼
Advances received on contracts in progress46€14k€15k▲
Taxes, remuneration and social security45€67k€61k▼
Taxes450/3€46k€43k▼
Remuneration and social security454/9€21k€18k▼
Other amounts payable47/48€27k€28k▲
Accrued charges and deferred income492/3€10k€9k▼
Income statement
Code20232024
Non-recurring operating income76A€2k€20▼
Remuneration, social security and pensions62€262k€200k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€68k€60k▼
Other operating charges640/8€22k€29k▲
Non-recurring operating charges66A€728€1k▲
Gross operating margin9900€366k€303k▼
Operating profit (loss)9901€14k€13k▼
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€10k€7k▼
Recurring financial charges65€10k€7k▼
Profit (loss) for the period before taxes9903€5k€7k▲
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€456€3k▲
Profit (loss) for the period to be appropriated9905€456€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€456€3k▲
Transfer to equity691/2€456€3k▲
To other reserves6921€456€3k▲
Social balance
Average headcount (FTE)90878.66.3▼
The notes to these accounts (25 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet €456 ▼96.5%
Net result drops to €456, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2019net €259k ▲283%
Operating result €349k, net result €259k, both a record.
31-12
Financial
Equity above €200kEq €341k ▲313%
2 profitable years in a row build equity to €341k.
2019
03-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
25-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Antwerpen · 1 establishment unit since 2019
Ground area
815 m²
Building footprint
1,304 m²
Volume, LiDAR
8,053 m³
Parcel 11463D0430/00W000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MAXDVS
since 20192.292.076.445
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11463D0430/00W000 | Flanders | 815 m² | 1 · 1,304 m² | 8.9 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 12,957 companies in sector 47120 we hold annual accounts for 2,190. 1,178 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-04-2017
Fiscal year end31-12
Activities, NACEBEL 2025
47120Other non-specialised retail sale
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.