HEITOR

Active

Private limited companyfounded 20215 yrs activeBaarstraat 53, 9700 Oudenaarde, BelgiumKBO/BCE: BE 0763.838.871

HEITOR has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117k and a net result of €-23k. Equity is shrinking by ~17.2% per year across the filed fiscal years. Its solvency ranks better than 22% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2025

59 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability35▲+25

Solvency43▼-5

Growth58=

Track record94

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €6k at 30 days acceptable

Liquidity short (current ratio 0.69 against 0.67 in 2024; short-term debt: 19.2% and cash: 12.3% of total assets), and 82% of the assets are financed with debt.

How do we compute the score and the probability?

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

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 →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

22232425

2022 to 2025 · latest year €-23k

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 31642 sector peers (2025).

NBB · sector comparison

Position among 31642 sector peers

Solvency

better than 22%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-07-2026, 17 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

17 d early

2024

29 d early

2023

30 d late

2022

31 d late

← before the deadline after the deadline →

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 months

Position in the running window

20-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€117k▼ 16.6%

2024 · €140k

2022: €205k 2023: €183k 2024: €140k

2022 → 2025

Total assets

€647k▲ 5.3%

2024 · €615k

2022: €695k 2023: €642k 2024: €615k

2022 → 2025

Net result

€-23k▲ 46.6%

2024 · €-43k

2022: €-45k 2023: €-21k 2024: €-43k

2022 → 2025

Working capital

€-39k▼ 206%

2024 · €-13k

2022: €-3k 2023: €-12k 2024: €-13k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€205k-€183k▼ 10.4%€140k▼ 23.7%€117k▼ 16.6%

Operating result€-39k-€-16k▲ 57.8%€-39k▼ 137%€-19k▲ 50.5%

Net result€-45k-€-21k▲ 52.9%€-43k▼ 103%€-23k▲ 46.6%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €19k in 2025 against €39k in 2024; the loss shrinks.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €647k

86.9%

13.1%

Fixed assets €562k▼ 4.5%

Current assets €85k▲ 227%

Equity and liabilities €647k

18.0%

82.0%

Equity €117k▼ 16.6%

Debt €531k▲ 11.8%

The debt ratio rises from 77.2% to 82.0%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€10k▲

2024 · €-7k

Cash flow

€6k▲

2024 · €-11k

Solvency

18.0%▼

2024 · 22.8%

Current ratio

0.69▲

2024 · 0.67

Quick ratio

0.67▲

2024 · 0.59

Debt / equity

4.55▲

2024 · 3.39

ROE

-19.9%▲

2024 · -31.0%

ROA

-3.6%▲

2024 · -7.1%

Interest coverage

2.49▲

2024 · -1.51

Debt

€531k▲

2024 · €475k

Debt ≤ 1 year

€124k▲

2024 · €39k

Debt > 1 year

€407k▼

2024 · €436k

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€615k€647k▲

Fixed assets21/28€589k€562k▼

Intangible fixed assets21€869€532▼

Tangible fixed assets22/27€588k€562k▼

Land and buildings22€561k€546k▼

Plant, machinery and equipment23€9k€7k▼

Furniture and vehicles24€17k€8k▼

Current assets29/58€26k€85k▲

Stocks and contracts in progress3€3k€2k▼

Stocks30/36€3k€2k▼

Amounts receivable within one year40/41€8k€2k▼

Trade receivables40€8k€2k▼

Other amounts receivable41€49€0▼

Cash at bank and in hand54/58€13k€79k▲

Deferred charges and accrued income490/1€2k€2k▼

Equity and liabilities

Total equity and liabilities10/49€615k€647k▲

Equity10/15€140k€117k▼

Contributions10/11€250k€250k=

Profit (loss) carried forward14€-110k€-133k▼

Amounts payable17/49€475k€531k▲

Amounts payable after more than one year17€436k€407k▼

Financial debts170/4€436k€407k▼

Amounts payable within one year42/48€39k€124k▲

Current portion of amounts payable after more than one year42€29k€30k▲

Financial debts43€128€74▼

Credit institutions430/8€128€74▼

Trade debts44€5k€809▼

Suppliers440/4€5k€809▼

Taxes, remuneration and social security45€747€442▼

Taxes450/3€747€442▼

Other amounts payable47/48€4k€93k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€29k▼

Other operating charges640/8€3k€6k▲

Gross operating margin9900€-4k€16k▲

Operating profit (loss)9901€-39k€-19k▲

Financial income75/76B€64€0▼

Recurring financial income75€64€0▼

Financial charges65/66B€5k€4k▼

Recurring financial charges65€5k€4k▼

Profit (loss) for the period before taxes9903€-43k€-23k▲

Profit (loss) for the period9904€-43k€-23k▲

Profit (loss) for the period to be appropriated9905€-43k€-23k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-110k€-133k▼

Profit (loss) brought forward from the previous period14P€-67k€-110k▼

The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

14-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

02-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

NBB filing

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, Oudenaarde · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Baarstraat 539700 Oudenaarde

Ground area

553 m²

Building footprint

305 m²

Volume, LiDAR

1,867 m³

Parcel 45035C0134/00E000, Flanders · tallest building 13.3 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

HEITOR

Baarstraat 53, 9700 OudenaardeManufacture of other builders' carpentry and joinery

since 20212.313.929.555

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
45035C0134/00E000 ProtectedTownscape or village viewStadskern OudenaardeSource ↗	Flanders	553 m²	1 · 305 m²	13.2 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.

1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).

Recognitions · licences · registrations

Food safety, FASFC

1 site

Oudenaarde2.313.929.555

1 permission

Drankgelegenheid · since 01-08-2022

Similar companies · same sector, comparable size

Heusden-Zolder · Eq €117k

BLUESPARKS

BE 1003.425.804

Charleroi · Eq €117k

Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 40,824 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded19-02-2021

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

70100Activities of head offices

74909Other professional, scientific and technical activities

74999Other professional, scientific and technical activities

85699Other educational support services

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.