HeJa Holding
ActiveHeJa Holding 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 €349k and a net result of €64k. Equity is growing by ~40.9% per year across the filed fiscal years. Its solvency ranks better than 70% of 5495 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 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
13 d late
2024
25 d late
2023
30 d late
2022
16 d late
2021
11 d early
2020
27 d late
2019
87 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€349k▲ 22.5%
2024 · €285k
2019: €18k
2020: €31k
2021: €88k
2022: €155k
2023: €222k
2024: €285k
2019 → 2025
Net result
€64k▲ 2.4%
2024 · €63k
2019: €6k
2020: €7k
2021: €57k
2022: €67k
2023: €68k
2024: €63k
2019 → 2025
Total assets
€477k▼ 0.1%
2024 · €477k
2019: €433k
2020: €433k
2021: €442k
2022: €467k
2023: €487k
2024: €477k
2019 → 2025
Solvency
73.2%▲ 13.5pp
2024 · 59.7%
2019: 4.2%
2020: 7.2%
2021: 20.0%
2022: 33.2%
2023: 45.7%
2024: 59.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€88k-€155k▲ 75.6%€222k▲ 43.6%€285k▲ 28.1%€349k▲ 22.5%
Operating result€30k-€44k▲ 43.8%€42k▼ 4.4%€41k▼ 2.6%€44k▲ 7.3%
Net result€57k-€67k▲ 17.1%€68k▲ 1.3%€63k▼ 7.4%€64k▲ 2.4%
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 recovers in 2025; 2025 is 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €477k
Fixed assets
€400k=
Current assets
€77k▼ 0.5%
Equity and liabilities €477k
Equity
€349k▲ 22.5%
Debt
€128k▼ 33.5%
The debt ratio falls from 40.3% to 26.8%: equity grows while debt is paid down.
Key figures and ratios
Solvency
73.2%▲
2024 · 59.7%
ROE
18.3%▼
2024 · 22.0%
ROA
13.4%▲
2024 · 13.1%
Debt
€128k▼
2024 · €192k
Debt ≤ 1 year
€41k▲
2024 · €23k
Debt > 1 year
€80k▼
2024 · €160k
Income taxes
€9k▲
2024 · €9k
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€477k€477k▼
Fixed assets21/28€400k€400k=
Financial fixed assets28€400k€400k=
Current assets29/58€77k€77k▼
Amounts receivable within one year40/41€40k€40k=
Other amounts receivable41€40k€40k=
Cash at bank and in hand54/58€37k€37k▼
Equity and liabilities
Total equity and liabilities10/49€477k€477k▼
Equity10/15€285k€349k▲
Contributions10/11€19k€19k=
Reserves13€266k€330k▲
Distributable reserves133€266k€330k▲
Amounts payable17/49€192k€128k▼
Amounts payable after more than one year17€160k€80k▼
Other amounts payable178/9€160k€80k▼
Amounts payable within one year42/48€23k€41k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€7k€13k▲
Suppliers440/4€7k€13k▲
Taxes, remuneration and social security45€12k€17k▲
Taxes450/3€10k€15k▲
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€5k€11k▲
Accrued charges and deferred income492/3€9k€7k▼
Income statement
Code20242025
Other operating charges640/8€719€496▼
Gross operating margin9900€41k€44k▲
Operating profit (loss)9901€41k€44k▲
Financial income75/76B€40k€40k=
Recurring financial income75€40k€40k=
Financial charges65/66B€9k€10k▲
Recurring financial charges65€9k€10k▲
Profit (loss) for the period before taxes9903€71k€73k▲
Income taxes67/77€9k€9k▲
Profit (loss) for the period9904€63k€64k▲
Profit (loss) for the period to be appropriated9905€63k€64k▲
Appropriation of the result
Profit (loss) to be appropriated9906€63k€64k▲
Transfer to equity691/2€63k€64k▲
To other reserves6921€63k€64k▲
The notes to these accounts (8 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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 13 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 25 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 3.30
Current ratio from 1.45 to 3.30; short-term debt falls from €60k to €23k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Highest result since 2019net €68k ▲1.3%
Net result €68k, the highest in the series.
31-12
Financial
Equity above €200kEq €222k ▲43.6%
5 profitable years in a row build equity to €222k.
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 16 days late
2022
31-12
Financial
Equity above €150kEq €155k ▲75.6%
4 profitable years in a row build equity to €155k.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
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, Lommel · 1 establishment unit since 2019
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.
Egstraat 173920 LommelGround area
2,050 m²
Building footprint
305 m²
Volume, LiDAR
683 m³
2 parcels, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HeJa Holding
since 20192.285.596.845
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72342A1209/00H000 | Flanders | 1,214 m² | 1 · 185 m² | - |
| 72342A0602/00E003 | Flanders | 835 m² | 1 · 119 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
MARROO
BE 0797.858.256
Kortrijk · Eq €349k
NBCF
BE 0849.830.658
Antwerpen · Eq €349k
PEETERS-MENTENS
BE 0633.919.051
Oudsbergen · Eq €349k
MIO INVESTMENTS
BE 0722.787.382
Genk · Eq €349k
PatriCe
BE 0823.801.697
Antwerpen · Eq €349k
Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,719 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-02-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.