HEREDITAS
ActiveHEREDITAS has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.50M and a net result of €78k. Equity is growing by ~17.8% per year across the filed fiscal years. Its solvency ranks better than 74% of 9088 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▼-11
Solvency99▲+17
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €390k at 30 days acceptable
Liquidity ample (current ratio 1.99 against 1.29 in 2024), and 36.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
63.2%
Return on assets
1.1%
Age of the figures
8 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 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
14 d late
2024
29 d late
2023
30 d late
2022
3 d early
2021
30 d late
2020
24 d late
2019
28 d late
← before the deadline
after the deadline →
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€4.50M▲ 1.8%
2024 · €4.43M
2018: €1.47M
2019: €1.48M
2020: €1.60M
2021: €1.61M
2022: €2.24M
2023: €2.25M
2024: €4.43M
2018 → 2025
Total assets
€7.13M▼ 7.3%
2024 · €7.69M
2018: €5.99M
2019: €5.53M
2020: €5.34M
2021: €5.28M
2022: €6.68M
2023: €6.04M
2024: €7.69M
2018 → 2025
Net result
€78k▼ 55.1%
2024 · €173k
2018: €14k
2019: €8k
2020: €126k
2021: €5k
2022: €495k
2023: €17k
2024: €173k
2018 → 2025
Working capital
€294k▲ 38.9%
2024 · €212k
2018: €-818k
2019: €-923k
2020: €-717k
2021: €-904k
2022: €33k
2023: €-759k
2024: €212k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.61M-€2.24M▲ 39.2%€2.25M▲ 0.7%€4.43M▲ 96.5%€4.50M▲ 1.8%
Operating result€44k-€661k▲ 1,391%€52k▼ 92.1%€226k▲ 335%€132k▼ 41.7%
Net result€5k-€495k▲ 9,778%€17k▼ 96.6%€173k▲ 933%€78k▼ 55.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.13M
Fixed assets
€6.53M▼ 3.1%
Current assets
€591k▼ 37.5%
Equity and liabilities €7.13M
Equity
€4.50M▲ 1.8%
Provisions
€164k▼ 7.4%
Debt
€2.46M▼ 20.4%
The debt ratio falls from 40.1% to 34.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€346k▼
2024 · €412k
Cash flow
€292k▼
2024 · €359k
Solvency
63.2%▲
2024 · 57.6%
Current ratio
1.99▲
2024 · 1.29
Quick ratio
1.99▲
2024 · 1.29
Debt / equity
0.55▼
2024 · 0.70
ROE
1.7%▼
2024 · 3.9%
ROA
1.1%▼
2024 · 2.3%
Interest coverage
5.05▼
2024 · 5.59
Debt
€2.46M▼
2024 · €3.09M
Debt ≤ 1 year
€297k▼
2024 · €734k
Debt > 1 year
€2.16M▼
2024 · €2.35M
Staff costs
€35k▼
2024 · €35k
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€7.69M€7.13M▼
Fixed assets21/28€6.74M€6.53M▼
Tangible fixed assets22/27€6.08M€5.86M▼
Land and buildings22€6.06M€5.85M▼
Plant, machinery and equipment23€12k€11k▼
Furniture and vehicles24€3k€4k▲
Financial fixed assets28€668k€670k▲
Current assets29/58€946k€591k▼
Amounts receivable within one year40/41€306k€314k▲
Trade receivables40€36k€9k▼
Other amounts receivable41€271k€305k▲
Cash at bank and in hand54/58€636k€265k▼
Deferred charges and accrued income490/1€4k€13k▲
Equity and liabilities
Total equity and liabilities10/49€7.69M€7.13M▼
Equity10/15€4.43M€4.50M▲
Contributions10/11€3.35M€3.35M=
Capital10€3.35M€3.35M=
Issued capital100€3.35M€3.35M=
Revaluation surpluses12€954k€954k=
Reserves13€511k€474k▼
Non-distributable reserves130/1€4k€4k=
Legal reserve130€4k€4k=
Tax-exempt reserves132€507k€470k▼
Profit (loss) carried forward14€-388k€-274k▲
Provisions and deferred taxes16€178k€164k▼
Deferred taxes168€178k€164k▼
Amounts payable17/49€3.09M€2.46M▼
Amounts payable after more than one year17€2.35M€2.16M▼
Financial debts170/4€2.35M€2.16M▼
Amounts payable within one year42/48€734k€297k▼
Current portion of amounts payable after more than one year42€236k€196k▼
Trade debts44€0€7k▲
Suppliers440/4€0€7k▲
Other amounts payable47/48€498k€94k▼
Income statement
Code20242025
Remuneration, social security and pensions62€35k€35k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€186k€214k▲
Other operating charges640/8€23k€22k▼
Gross operating margin9900€470k€402k▼
Operating profit (loss)9901€226k€132k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€74k€69k▼
Recurring financial charges65€74k€69k▼
Profit (loss) for the period before taxes9903€154k€65k▼
Transfer from deferred taxes780€19k€13k▼
Profit (loss) for the period9904€173k€78k▼
Transfer from tax-exempt reserves789€57k€37k▼
Profit (loss) for the period to be appropriated9905€230k€115k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-388k€-274k▲
Profit (loss) brought forward from the previous period14P€-618k€-388k▲
The notes to these accounts (17 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 14 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity times 5current ratio 1.29
Current ratio from 0.25 to 1.29; short-term debt falls from €1.01M to €734k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €495k ▲9778%
Operating result €661k, net result €495k, both a record.
31-12
Financial
Liquidity times 6current ratio 1.02
Current ratio from 0.17 to 1.02.
31-12
Financial
Equity above €2MEq €2.24M ▲39.2%
5 profitable years in a row build equity to €2.24M.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €5k ▼96%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 24 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Leuven · 2 establishment units since 2002
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.
Léon Schreursvest 413001 LeuvenGround area
470 m²
Building footprint
116 m²
Volume, LiDAR
1,337 m³
Parcel 24433E0059/00Z003, Flanders · tallest building 18.8 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Léon Schreursvest 41, 3001 Leuven
since 20022.096.240.868
Rue Freddy-Wampach 21, 6690 Vielsalm
since 20202.300.389.642
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24433E0059/00Z003 | Flanders | 470 m² | 1 · 116 m² | 18.8 m · 5 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.
Similar companies · same sector, comparable size
SAVILLS BELUX GROUP
BE 0895.759.069
Elsene · Eq €4.49M
DOMEIN VAN PERK
BE 0428.596.181
Steenokkerzeel · Eq €4.54M
Company X
BE 0563.523.676
Anzegem · Eq €4.43M
REWIMMO HASSELT
BE 0413.028.770
Hasselt · Eq €4.41M
AVRIMMO
BE 0439.461.666
Roeselare · Eq €4.40M
Of 3,753 companies in sector 68321 we hold annual accounts for 1,381. 434 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded15-05-2002
Fiscal year end31-12
Activities, NACEBEL
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.