HELLEVE 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 €4.27M and a net result of €363k. Equity is growing by ~22.2% per year across the filed fiscal years. Its solvency ranks better than 56% of 2377 sector peers (fiscal year 2025). The company has been active since 2015 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 · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 04-02-2026, 4 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 · 10 filingsDeviation from the deadline
2025
4 d late
2024
44 d early
2023
1 d early
2022
31 d late
2021
on the day
2020
9 d early
2019
22 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 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€4.27M▲ 9.3%
2024 · €3.91M
2019: €1.01M
2020: €1.24M
2021: €1.93M
2022: €2.62M
2023: €2.81M
2024: €3.91M
2019 → 2025
Net result
€363k▼ 67.1%
2024 · €1.10M
2019: €177k
2020: €287k
2021: €723k
2022: €707k
2023: €209k
2024: €1.10M
2019 → 2025
Total assets
€6.24M▲ 8.2%
2024 · €5.77M
2019: €3.79M
2020: €3.26M
2021: €3.92M
2022: €4.43M
2023: €4.91M
2024: €5.77M
2019 → 2025
Solvency
68.5%▲ 0.7pp
2024 · 67.8%
2019: 26.6%
2020: 37.9%
2021: 49.3%
2022: 59.1%
2023: 57.2%
2024: 67.8%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.07M-€1.62M€538k▼ 66.9%
Equity€1.93M-€2.62M▲ 35.3%€2.81M▲ 7.4%€3.91M▲ 39.2%€4.27M▲ 9.3%
Operating result€1.01M-€996k▼ 1.5%€318k▼ 68.0%€1.45M▲ 357%€453k▼ 68.9%
Net result€723k-€707k▼ 2.2%€209k▼ 70.4%€1.10M▲ 426%€363k▼ 67.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 69% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.24M
Fixed assets
€3.14M▼ 0.2%
Current assets
€3.10M▲ 18.3%
Equity and liabilities €6.24M
Equity
€4.27M▲ 9.3%
Debt
€1.97M▲ 6.0%
The debt ratio falls from 32.2% to 31.5%. Equity and debt are higher.
Key figures and ratios
Solvency
68.5%▲
2024 · 67.8%
ROE
8.5%▼
2024 · 28.2%
ROA
5.8%▼
2024 · 19.1%
Debt
€1.97M▲
2024 · €1.85M
Debt ≤ 1 year
€613k▲
2024 · €464k
Debt > 1 year
€1.25M▼
2024 · €1.35M
Income taxes
€120k▼
2024 · €363k
Staff costs
€50k▼
2024 · €111k
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€5.77M€6.24M▲
Fixed assets21/28€3.14M€3.14M▼
Tangible fixed assets22/27€16k€10k▼
Other tangible fixed assets26€16k€10k▼
Financial fixed assets28€3.13M€3.13M=
Affiliated companies280/1€3.13M€3.13M=
Participating interests280€3.13M€3.13M=
Current assets29/58€2.62M€3.10M▲
Stocks and contracts in progress3€0€0=
Stocks30/36€0-
Goods purchased for resale34€0-
Amounts receivable within one year40/41€2.53M€2.95M▲
Trade receivables40€15k€386k▲
Other amounts receivable41€2.51M€2.56M▲
Cash at bank and in hand54/58€72k€50k▼
Deferred charges and accrued income490/1€26k€102k▲
Equity and liabilities
Total equity and liabilities10/49€5.77M€6.24M▲
Equity10/15€3.91M€4.27M▲
Contributions10/11€740k€740k=
Reserves13€3.17M€3.53M▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€463k€547k▲
Distributable reserves133€2.71M€2.99M▲
Amounts payable17/49€1.85M€1.97M▲
Amounts payable after more than one year17€1.35M€1.25M▼
Financial debts170/4€600k€500k▼
Other loans174€600k€500k▼
Other amounts payable178/9€750k€750k=
Amounts payable within one year42/48€464k€613k▲
Current portion of amounts payable after more than one year42€50k€50k=
Trade debts44€14k€8k▼
Suppliers440/4€14k€8k▼
Taxes, remuneration and social security45€16k€14k▼
Taxes450/3€0€13k▲
Remuneration and social security454/9€16k€1k▼
Other amounts payable47/48€385k€540k▲
Accrued charges and deferred income492/3€40k€103k▲
Income statement
Code20242025
Operating income70/76A€1.63M€548k▼
Turnover70€1.62M€538k▼
Other operating income74€2k€10k▲
Operating charges60/66A€171k€95k▼
Goods for resale, raw materials and consumables60€18k€6k▼
Purchases600/8€16k€6k▼
Change in stocks: decrease (increase)609€2k€0▼
Services and other goods61€37k€33k▼
Remuneration, social security and pensions62€111k€50k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€241€1k▲
Non-recurring operating charges66A€0-
Operating profit (loss)9901€1.45M€453k▼
Financial income75/76B€66k€101k▲
Recurring financial income75€66k€101k▲
Income from current assets751€66k€101k▲
Other financial income752/9€1€0▼
Financial charges65/66B€57k€71k▲
Recurring financial charges65€57k€71k▲
Debt charges650€57k€71k▲
Other financial charges652/9€462€24▼
Profit (loss) for the period before taxes9903€1.46M€483k▼
Income taxes67/77€363k€120k▼
Taxes670/3€363k€120k▼
Profit (loss) for the period9904€1.10M€363k▼
Transfer to tax-exempt reserves689€463k€84k▼
Profit (loss) for the period to be appropriated9905€638k€279k▼
Appropriation of the result
Profit (loss) to be appropriated9906€638k€279k▼
Transfer to equity691/2€638k€279k▼
To other reserves6921€638k€279k▼
Profit to be distributed694/7€0-
Directors or managers695€0-
Social balance
Average headcount (FTE)90871.00.3▼
The notes to these accounts (75 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
04-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 4 days late
2024
18-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
30-06
Financial
Highest result since 2019net €1.10M ▲426%
Operating result €1.45M, net result €1.10M, both a record.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
03-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
30-06
Financial
Liquidity doublescurrent ratio 4.02
Current ratio from 1.71 to 4.02; short-term debt falls from €444k to €317k.
30-06
Financial
Equity above €2MEq €2.62M ▲35.3%
4 profitable years in a row build equity to €2.62M.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
Financial
Liquidity quadruplescurrent ratio 1.71
Current ratio from 0.47 to 1.71.
22-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
09-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
18-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
19-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
20-12
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, Gavere · 1 establishment unit since 2015
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.
Lindestraat 169890 GavereGround area
1,906 m²
Building footprint
232 m²
Volume, LiDAR
777 m³
Parcel 44016A0515/00A000, Flanders · tallest building 5.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
HELLEVE
since 20152.246.537.915
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44016A0515/00A000 | Flanders | 1,906 m² | 1 · 232 m² | 5.5 m · 1 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 24,725 companies in sector 64210 we hold annual accounts for 19,747. 8,620 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-09-2015
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.