Financials
- Financial year
- 2025
- Total assets
- €3.5m
- Profit
- €32,021
- Solvency
- -1.4%
Total assets▲ 2,319%
Net result
20182025
Heos Consulting
ActiveSummary
Heos Consulting has been active since 2017 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€49,377) and a net result of €32,021. Equity is shrinking by about 37% per year across the filed financial years. Its solvency ranks better than 19% of 13,384 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Overview
Activity
Agents in non-specialised wholesale trade
NACE 46190
1 site
Size
€3.5mtotal assets 2025
- Equity
- -€49,377
- Profit
- €32,021
Turnover not published (micro format)
Structure
Accounts filed 61 days late0 of 2 deeds read
Why 54raises riskCapped at 59: negative equityLatest accounts 61 days late; 2 of the last 3 lateNegative equity -€49,377lowers riskSize: total assets €3.5mFigures for financial year 2025 (filed 30-09-2026)Show the evidence
Checked score
Score 2025
54
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 29% of its sector peers (NACE 46, small)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2022
Weak
Solvency
24-13
equity -1.4% of total assets
Liquidity
47+7
short-term debt 24.5% · cash 4.5%
Profitability
43+43
return on assets 0.9%
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 4.7%
12-2024: 5.9%▲ +1.2 percentage points vs 11-2024
01-2025: 7.9%▲ +2.0 percentage points vs 12-2024
02-2025: 7.9%● unchanged vs 01-2025
03-2025: 8.2%▲ +0.3 percentage points vs 02-2025
04-2025: 7.5%▼ -0.7 percentage points vs 03-2025
05-2025: 7.5%● unchanged vs 04-2025
06-2025: 6.9%▼ -0.6 percentage points vs 05-2025
07-2025: 6.6%▼ -0.3 percentage points vs 06-2025
08-2025: 8.2%▲ +1.6 percentage points vs 07-2025
09-2025: 8.2%● unchanged vs 08-2025
10-2025: 9.1%▲ +0.9 percentage points vs 09-2025highest value
11-2025: 9.1%● unchanged vs 10-2025highest value
12-2025: 9.1%● unchanged vs 11-2025highest value
01-2026: 9.1%● unchanged vs 12-2025highest value
02-2026: 9.1%● unchanged vs 01-2026highest value
03-2026: 9.1%● unchanged vs 02-2026highest value
04-2026: 9.1%● unchanged vs 03-2026highest value
05-2026: 9.1%● unchanged vs 04-2026highest value
06-2026: 9.1%● unchanged vs 05-2026highest value
07-2026: 9.1%● unchanged vs 06-2026highest value
08-2026: 8.7%▼ -0.4 percentage points vs 07-2026
09-2026: 8.6%▼ -0.1 percentage points vs 08-2026
10-2026: 0.6%▼ -8.0 percentage points vs 09-2026lowest value
No credit on open account
Liquidity ample (current ratio 4.06, compared with 0.97 in 2022, above the usual 1.5; short-term debt: 24.5% and cash: 4.5% of total assets), but equity is negative.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, small): better than 4% on solvency, 55% on liquidity and 28% on profitability.
The bankruptcy probability was computed on 12-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 13384 sector peers (2025).
NBB · sector comparisonPosition among 13384 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filingsDeviation from the deadline
2025
61 days late
2022
37 days late
2021
15 days late
2020
34 days late
2019
103 days late
2018
38 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 35 days after the deadline; the sector median (NACE 46) for financial year 2022 is 3 days before the deadline, and 42% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 6 September (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
13-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Back to profitnet €32,021
- Liquidity more than quadruplescurrent ratio 4.06
Key points
By topic
Timeline
- Events
- 11
- Since
- 2019
- Next accounts
- by 31-07-2027
- 06-09-2023Annual accounts filed
- 15-08-2022Annual accounts filed
- 31-12-2021Weakest financial year
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Agents in non-specialised wholesale tradeNACE 46190
- Founded
- 24-05-2017
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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