HEPTO
ActiveSummary
HEPTO has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €247k and a net result of €85k. Equity is growing by ~34.1% per year across the filed fiscal years. Its solvency ranks better than 91% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
91
/ 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
Profitability100▲+1
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 10.68 against 16.27 in 2024; short-term debt: 7.6% and cash: 26.6% of total assets), and 7.8% of the assets are financed with debt.
Credit advice 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
92.2%
Return on assets
31.7%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-04-2026, 7 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
7 d early
2024
2 d early
2023
on the day
2022
3 d late
2021
2 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€247k▼ 15.4%
2024 · €292k
2021: €68k
2022: €142k
2023: €218k
2024: €292k
2021 → 2025
Total assets
€267k▼ 13.0%
2024 · €307k
2021: €112k
2022: €175k
2023: €239k
2024: €307k
2021 → 2025
Net result
€85k▲ 12.0%
2024 · €76k
2021: €63k
2022: €75k
2023: €76k
2024: €76k
2021 → 2025
Working capital
€197k▼ 15.0%
2024 · €231k
2021: €64k
2022: €149k
2023: €216k
2024: €231k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€68k-€142k▲ 110%€218k▲ 53.2%€292k▲ 33.9%€247k▼ 15.4%
Operating result€86k-€105k▲ 21.3%€100k▼ 4.4%€93k▼ 7.3%€111k▲ 19.9%
Net result€63k-€75k▲ 20.4%€76k▲ 1.5%€76k▼ 1.1%€85k▲ 12.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 20% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €267k
Fixed assets
€50k ▼ 17.0%
Current assets
€217k ▼ 12.0%
Equity and liabilities €267k
Equity
€247k ▼ 15.4%
Debt
€21k ▲ 32.1%
Debt's share of the balance-sheet total rises from 5.1% to 7.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€125k▲
2024 · €96k
Cash flow
€99k▲
2024 · €78k
Current ratio
10.68▼
2024 · 16.27
Debt to equity
0.08▲
2024 · 0.05
ROE
34.3%▲
2024 · 25.9%
ROA
31.7%▲
2024 · 24.6%
Interest coverage
1854.56▲
2024 · 157.08
Debt ≤ 1 year
€20k▲
2024 · €15k
Income taxes
€29k▲
2024 · €19k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€307k€267k▼
Fixed assets21/28€61k€50k▼
Intangible fixed assets21€0€0▼
Tangible fixed assets22/27€61k€50k▼
Plant, machinery and equipment23€850€1k▲
Furniture and vehicles24€60k€49k▼
Current assets29/58€247k€217k▼
Amounts receivable after more than one year29€110k€110k=
Other amounts receivable291€110k€110k=
Amounts receivable within one year40/41€44k€34k▼
Trade receivables40€29k€34k▲
Other amounts receivable41€16k€0▼
Cash at bank and in hand54/58€90k€71k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€307k€267k▼
Equity10/15€292k€247k▼
Contributions10/11€5k€5k=
Reserves13€287k€242k▼
Distributable reserves133€287k€242k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€16k€21k▲
Amounts payable within one year42/48€15k€20k▲
Trade debts44€2k€978▼
Suppliers440/4€2k€978▼
Taxes, remuneration and social security45€3k€15k▲
Taxes450/3€3k€15k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€11k€5k▼
Accrued charges and deferred income492/3€610€510▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€14k▲
Other operating charges640/8€356€361▲
Gross operating margin9900€96k€126k▲
Operating profit (loss)9901€93k€111k▲
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€609€68▼
Recurring financial charges65€609€68▼
Profit (loss) for the period before taxes9903€95k€114k▲
Income taxes67/77€19k€29k▲
Profit (loss) for the period9904€76k€85k▲
Profit (loss) for the period to be appropriated9905€76k€85k▲
Appropriation of the result
Profit (loss) to be appropriated9906€76k€85k▲
Transfer from equity791/2-€128k
Transfer to equity691/2€74k€83k▲
To other reserves6921€74k€83k▲
Profit to be distributed694/7€2k€130k▲
Return on contributions (dividend)694€2k€130k▲
The notes to these accounts (9 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
23-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2021net €85k ▲12%
Operating result €111k, net result €85k, both a record.
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €200kEq €218k ▲53.2%
3 profitable years in a row build equity to €218k.
03-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
30-09
Financial
Liquidity triplescurrent ratio 7.30
Current ratio from 2.46 to 7.30; short-term debt falls from €44k to €24k.
30-09
Financial
Equity above €100kEq €142k ▲110%
2 profitable years in a row build equity to €142k.
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
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, Destelbergen · 1 establishment unit since 2020
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.
Hoekskenstraat(HEU) 79070 DestelbergenGround area
1,631 m²
Building footprint
218 m²
Volume, LiDAR
72 m³
Parcel 44028B0168/00G000, Flanders · tallest building 4.3 m. Linked by address, not a title deed.
1 establishment unit
HEPTO
since 20202.311.073.597
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44028B0168/00G000 | Flanders | 1,631 m² | 1 · 217 m² | 4.3 m |
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
984500705AC2459HEB72
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 14,240 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
Founded03-12-2020
Fiscal year end30-09
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.