Hepta consult
ActiveSummary
Hepta consult has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €228k and a net result of €26k. Equity is growing by ~17.7% per year across the filed fiscal years. Its solvency ranks better than 75% of 7029 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability45▼-35
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 10.92 against 43.63 in 2024; short-term debt: 8.9% and cash: 24.9% of total assets), and 21.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
78.3%
Return on assets
8.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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
25 d late
2024
25 d late
2023
30 d late
2022
19 d early
2021
49 d early
2020
40 d early
2019
22 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€26k▲ 16.4%
2024 · €22k
2019: €7k
2020: €9k
2021: €25k
2022: €17k
2023: €37k
2024: €22k
2019 → 2025
Working capital
€257k▲ 14.3%
2024 · €225k
2019: €85k
2020: €85k
2021: €102k
2022: €125k
2023: €164k
2024: €225k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€125k-€142k▲ 13.3%€179k▲ 26.3%€202k▲ 12.5%€228k▲ 12.9%
Operating result€40k-€29k▼ 28.6%€58k▲ 103%€39k▼ 33.4%€78k▲ 102%
Net result€25k-€17k▼ 33.6%€37k▲ 124%€22k▼ 40.2%€26k▲ 16.4%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 102% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €291k
Fixed assets
€8k ▼ 39.5%
Current assets
€283k ▲ 22.9%
Equity and liabilities €291k
Equity
€228k ▲ 12.9%
Provisions
€37k ▲ 1.9%
Debt
€26k ▲ 391%
Debt's share of the balance-sheet total rises from 2.2% to 8.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€81k▲
2024 · €41k
Cash flow
€28k▲
2024 · €25k
Current ratio
10.92▼
2024 · 43.63
Debt to equity
0.11▲
2024 · 0.03
ROE
11.4%▲
2024 · 11.1%
ROA
8.9%▼
2024 · 9.2%
Interest coverage
1.85▼
2024 · 16.24
Debt ≤ 1 year
€26k▲
2024 · €5k
Income taxes
€23k▲
2024 · €20k
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 · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€244k€291k▲
Fixed assets21/28€14k€8k▼
Tangible fixed assets22/27€11k€8k▼
Plant, machinery and equipment23€8k€7k▼
Furniture and vehicles24€2k€2k▼
Financial fixed assets28€3k-
Current assets29/58€230k€283k▲
Amounts receivable within one year40/41€14k-
Other amounts receivable41€14k-
Current investments50/53€188k€207k▲
Cash at bank and in hand54/58€24k€72k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€244k€291k▲
Equity10/15€202k€228k▲
Contributions10/11€12k€12k=
Reserves13€139k€165k▲
Distributable reserves133€139k€165k▲
Profit (loss) carried forward14€51k€51k=
Provisions and deferred taxes16€37k€37k▲
Provisions for liabilities and charges160/5€37k€37k▲
Other liabilities and charges164/5€37k€37k▲
Amounts payable17/49€5k€26k▲
Amounts payable within one year42/48€5k€26k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€1k€19k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€37k€685▼
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A-€3k
Gross operating margin9900€79k€87k▲
Operating profit (loss)9901€39k€78k▲
Financial income75/76B€6k€14k▲
Recurring financial income75€6k€14k▲
Financial charges65/66B€3k€44k▲
Recurring financial charges65€3k€44k▲
Profit (loss) for the period before taxes9903€43k€49k▲
Income taxes67/77€20k€23k▲
Profit (loss) for the period9904€22k€26k▲
Profit (loss) for the period to be appropriated9905€22k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€73k€77k▲
Profit (loss) brought forward from the previous period14P€51k€51k=
Transfer to equity691/2€22k€26k▲
To other reserves6921€22k€26k▲
The notes to these accounts (5 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Liquidity times 7current ratio 43.63
Current ratio from 6.47 to 43.63; short-term debt falls from €30k to €5k.
31-12
Financial
Equity above €200kEq €202k ▲12.5%
6 profitable years in a row build equity to €202k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2019net €37k ▲124%
Net result €37k, the highest in the series.
31-12
Financial
Equity above €150kEq €179k ▲26.3%
5 profitable years in a row build equity to €179k.
12-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
13-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
30-06
Financial
Equity above €100kEq €100k ▲9.9%
2 profitable years in a row build equity to €100k.
09-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
04-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
23-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Perwez · 1 establishment unit since 2006
Ground area
1,938 m²
Building footprint
117 m²
Volume, LiDAR
719 m³
Parcel 25101B0413/00K000, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Hepta Consult
since 20062.261.227.178
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25101B0413/00K000 | Wallonia | 1,938 m² | 1 · 117 m² | 7.3 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.
Recognitions · licences · registrations
Legal Entity Identifier
875500BW7VVH3LL1P843
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Of 2,713 companies in sector 73200 we hold annual accounts for 1,783. 1,339 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
Founded06-07-2006
Fiscal year end31-12
Activities, NACEBEL 2025
73200Market research and public opinion polling
68121Development of residential building projects
68310Real estate agency activities
68322Real estate appraisal on a fee or contract basis
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.