Heptafin
ActiveSummary
Heptafin has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10k and a net result of €57k. Equity is growing by ~24.1% per year across the filed fiscal years. Its solvency ranks better than 18% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency37▼-63
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.09 against 5.04 in 2024; short-term debt: 87.9% and cash: 32.8% of total assets), and 87.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
12.1%
Return on assets
68.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-05-2026, 88 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
88 d early
2024
51 d early
2023
2 d late
2022
28 d late
2021
4 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
Equity
€10k▼ 89.2%
2024 · €93k
2021: €14k
2022: €56k
2023: €85k
2024: €93k
2021 → 2025
Total assets
€83k▼ 27.6%
2024 · €115k
2021: €42k
2022: €92k
2023: €121k
2024: €115k
2021 → 2025
Net result
€57k▼ 7.9%
2024 · €62k
2021: €38k
2022: €42k
2023: €28k
2024: €62k
2021 → 2025
Working capital
€7k▼ 92.3%
2024 · €88k
2021: €13k
2022: €47k
2023: €75k
2024: €88k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€56k▲ 301%€85k▲ 50.4%€93k▲ 10.2%€10k▼ 89.2%
Operating result€49k-€56k▲ 13.9%€39k▼ 30.7%€79k▲ 105%€73k▼ 7.5%
Net result€38k-€42k▲ 11.1%€28k▼ 32.9%€62k▲ 118%€57k▼ 7.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€3k ▼ 40.4%
Current assets
€80k ▼ 26.9%
Equity and liabilities €83k
Equity
€10k ▼ 89.2%
Debt
€73k ▲ 237%
Debt's share of the balance-sheet total rises from 18.9% to 87.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€75k▼
2024 · €81k
Cash flow
€59k▼
2024 · €64k
Current ratio
1.09▼
2024 · 5.04
Debt to equity
7.28▲
2024 · 0.23
ROE
567.0%▲
2024 · 66.4%
ROA
68.5%▲
2024 · 53.8%
Interest coverage
62.65▲
2024 · 57.86
Debt ≤ 1 year
€73k▲
2024 · €22k
Income taxes
€15k▼
2024 · €17k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€115k€83k▼
Fixed assets21/28€6k€3k▼
Tangible fixed assets22/27€6k€3k▼
Furniture and vehicles24€826€438▼
Other tangible fixed assets26€5k€3k▼
Current assets29/58€110k€80k▼
Amounts receivable after more than one year29€20k€20k=
Other amounts receivable291€20k€20k=
Amounts receivable within one year40/41€23k€31k▲
Trade receivables40€15k€31k▲
Other amounts receivable41€8k€0▼
Cash at bank and in hand54/58€64k€27k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€115k€83k▼
Equity10/15€93k€10k▼
Contributions10/11€3k€3k=
Reserves13€90k€7k▼
Distributable reserves133€90k€7k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€22k€73k▲
Amounts payable within one year42/48€22k€73k▲
Trade debts44€806€586▼
Suppliers440/4€806€586▼
Taxes, remuneration and social security45€21k€9k▼
Taxes450/3€21k€9k▼
Other amounts payable47/48€0€63k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€2k€607▼
Gross operating margin9900€84k€76k▼
Operating profit (loss)9901€79k€73k▼
Financial income75/76B€1k€528▼
Recurring financial income75€1k€528▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€79k€72k▼
Income taxes67/77€17k€15k▼
Profit (loss) for the period9904€62k€57k▼
Profit (loss) for the period to be appropriated9905€62k€57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€62k€57k▼
Transfer from equity791/2€53k€90k▲
Transfer to equity691/2€62k€7k▼
To other reserves6921€62k€7k▼
Profit to be distributed694/7€53k€140k▲
Return on contributions (dividend)694€53k€140k▲
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
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €62k ▲118%
Operating result €79k, net result €62k, both a record.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
31-12
Financial
Weakest financial yearnet €28k ▼32.9%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Temse · 1 establishment unit since 2021
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.
Rupelmondestraat 69140 TemseGround area
1,574 m²
Building footprint
124 m²
Volume, LiDAR
791 m³
Parcel 46302C0520/00E000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Heptafin
since 20212.316.384.249
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46302C0520/00E000 | Flanders | 1,574 m² | 1 · 124 m² | 8.5 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
Food safety, FASFC
1 siteTemse2.316.384.249
Similar companies · same sector, comparable size
BeGates Invest
BE 1011.885.687
Waterloo · Eq €10,065
6TM
BE 0668.606.350
Mouscron · Eq €10,064
EASY-DROP.be
BE 0775.666.042
Brussel · Eq €10,071
ID TRUST MANAGEMENT
BE 0476.571.589
Brussel · Eq €10,057
Kris Van Malderen Consult
BE 1012.381.278
Dendermonde · Eq €10,054
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 22,965 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
Founded26-04-2021
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.