HÉRITAGE
ActiveHÉRITAGE has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €56k and a net result of €60k. Equity remains stable across the filed fiscal years (±0.2% per year). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2026
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability100▲+55
Solvency53▲+20
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.39 against 1.1 in 2025; short-term debt: 71.8% and cash: 97.1% of total assets), and 71.8% 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○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 · 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 · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 15-09-2026, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
46 d early
2025
120 d early
2024
115 d early
2023
127 d early
2022
49 d early
2021
52 d early
2020
40 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, abbreviated schema
Equity
€56k▲ 0.4%
2025 · €56k
2019: €41k
2020: €55k
2021: €55k
2022: €55k
2023: €56k
2024: €56k
2025: €56k
2019 → 2026
Total assets
€198k▼ 70.0%
2025 · €661k
2019: €707k
2020: €664k
2021: €932k
2022: €1.58M
2023: €1.61M
2024: €1.70M
2025: €661k
2019 → 2026
Net result
€60k▲ 183%
2025 · €21k
2019: €10k
2020: €14k
2021: €44k
2022: €8k
2023: €23k
2024: €36k
2025: €21k
2019 → 2026
Working capital
€56k▼ 3.2%
2025 · €58k
2019: €41k
2020: €55k
2021: €55k
2022: €237k
2023: €340k
2024: €337k
2025: €58k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€55k-€56k▲ 0.2%€56k▲ 0.1%€56k▲ 0.1%€56k▲ 0.4%
Operating result€33k-€69k▲ 110%€95k▲ 38.0%€63k▼ 33.8%€86k▲ 37.0%
Net result€8k-€23k▲ 173%€36k▲ 58.9%€21k▼ 41.2%€60k▲ 183%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2026; 2026 is 37% above 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Equity and liabilities €198k
Equity
€56k▲ 0.4%
Debt
€142k▼ 76.5%
The debt ratio falls from 91.6% to 71.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
28.2%▲
2025 · 8.4%
Current ratio
1.39▲
2025 · 1.10
Quick ratio
1.39▲
2025 · 0.21
Debt / equity
2.54▼
2025 · 10.87
ROE
106.8%▲
2025 · 37.8%
ROA
30.1%▲
2025 · 3.2%
Debt
€142k▼
2025 · €606k
Debt ≤ 1 year
€142k▼
2025 · €604k
Income taxes
€609▲
2025 · €394
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€661k€198k▼
Current assets29/58€661k€198k▼
Stocks and contracts in progress3€535k€0▼
Stocks30/36€535k€0▼
Amounts receivable within one year40/41€94k€0▼
Trade receivables40€0-
Other amounts receivable41€94k€0▼
Cash at bank and in hand54/58€17k€192k▲
Deferred charges and accrued income490/1€15k€6k▼
Equity and liabilities
Total equity and liabilities10/49€661k€198k▼
Equity10/15€56k€56k▲
Contributions10/11€50k€50k=
Reserves13€6k€6k▲
Distributable reserves133€6k€6k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€606k€142k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€604k€142k▼
Financial debts43€385k€0▼
Credit institutions430/8€385k€0▼
Trade debts44€41k€68k▲
Suppliers440/4€41k€68k▲
Taxes, remuneration and social security45€394€795▲
Taxes450/3€394€795▲
Other amounts payable47/48€177k€74k▼
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20252026
Other operating charges640/8€8k€4k▼
Gross operating margin9900€71k€90k▲
Operating profit (loss)9901€63k€86k▲
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€42k€27k▼
Recurring financial charges65€42k€27k▼
Profit (loss) for the period before taxes9903€21k€60k▲
Income taxes67/77€394€609▲
Profit (loss) for the period9904€21k€60k▲
Profit (loss) for the period to be appropriated9905€21k€60k▲
Appropriation of the result
Profit (loss) to be appropriated9906€21k€60k▲
Transfer to equity691/2€76€195▲
To other reserves6921€76€195▲
Profit to be distributed694/7€21k€60k▲
Directors or managers695€21k€60k▲
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (1 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 2027, expected by
2026
15-09
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
31-03
Financial
Highest result since 2019net €60k ▲183%
Net result €60k, the highest in the series.
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
12-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-03
Financial
Weakest financial yearnet €8k ▼81.2%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
2021
09-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
21-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
14-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Zwevegem · 1 establishment unit since 2014
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.
Helkijnstraat(S) 198554 ZwevegemGround area
3,337 m²
Building footprint
321 m²
Volume, LiDAR
2,128 m³
Parcel 34034C0685/00A005, Flanders · tallest building 12.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Héritage
since 20142.231.228.048
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34034C0685/00A005 | Flanders | 3,337 m² | 1 · 321 m² | 12.7 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.
Similar companies · same sector, comparable size
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TERVIA’S LEASE
BE 0652.833.853
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Time Real Estate
BE 0701.857.554
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CREDOME
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,380. 3,352 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-05-2014
Fiscal year end31-03
Activities, NACEBEL
68110Buying and selling of own real estate
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.