HEYMAN BART
ActiveHEYMAN BART is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €197k and a net result of €54k. Equity is shrinking by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 20% of 2413 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 2413 sector peers (2025).
NBB · sector comparisonPosition among 2413 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
233 d late
2023
1 d early
2022
94 d early
2021
41 d early
2020
25 d late
2019
21 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€197k▼ 4.4%
2024 · €206k
2018: €383k
2019: €244k
2020: €297k
2021: €367k
2022: €406k
2023: €295k
2024: €206k
2018 → 2025
Net result
€54k▲ 600%
2024 · €8k
2018: €99k
2019: €10k
2020: €55k
2021: €71k
2022: €41k
2023: €-11k
2024: €8k
2018 → 2025
Total assets
€1.51M▼ 4.6%
2024 · €1.58M
2018: €2.52M
2019: €2.39M
2020: €2.27M
2021: €2.12M
2022: €1.85M
2023: €1.66M
2024: €1.58M
2018 → 2025
Solvency
13.0%=
2024 · 13.0%
2018: 15.2%
2019: 10.2%
2020: 13.1%
2021: 17.3%
2022: 22.0%
2023: 17.8%
2024: 13.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€367k-€406k▲ 10.8%€295k▼ 27.3%€206k▼ 30.4%€197k▼ 4.4%
Operating result€132k-€89k▼ 32.8%€15k▼ 83.3%€28k▲ 91.5%€117k▲ 314%
Net result€71k-€41k▼ 41.7%€-11k€8k€54k▲ 600%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 314% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.51M
Fixed assets
€1.09M▼ 10.3%
Current assets
€420k▲ 14.3%
Equity and liabilities €1.51M
Equity
€197k▼ 4.4%
Debt
€1.31M▼ 4.6%
The debt ratio stays at 87.0%.
Key figures and ratios
Solvency
13.0%▲
2024 · 13.0%
ROE
27.4%▲
2024 · 3.7%
ROA
3.6%▲
2024 · 0.5%
Debt
€1.31M▼
2024 · €1.38M
Debt ≤ 1 year
€819k▲
2024 · €759k
Debt > 1 year
€476k▼
2024 · €615k
Income taxes
€34k▲
2024 · €12k
Staff costs
€343k▼
2024 · €361k
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€1.58M€1.51M▼
Fixed assets21/28€1.22M€1.09M▼
Intangible fixed assets21€660k€583k▼
Tangible fixed assets22/27€554k€506k▼
Land and buildings22€548k€497k▼
Plant, machinery and equipment23€2k€851▼
Furniture and vehicles24€4k€8k▲
Financial fixed assets28€930€930=
Current assets29/58€368k€420k▲
Amounts receivable within one year40/41€267k€371k▲
Trade receivables40€119k€177k▲
Other amounts receivable41€148k€194k▲
Cash at bank and in hand54/58€101k€49k▼
Equity and liabilities
Total equity and liabilities10/49€1.58M€1.51M▼
Equity10/15€206k€197k▼
Contributions10/11€50k€50k=
Reserves13€159k€147k▼
Distributable reserves133€159k€147k▼
Profit (loss) carried forward14€-3k-
Amounts payable17/49€1.38M€1.31M▼
Amounts payable after more than one year17€615k€476k▼
Financial debts170/4€615k€476k▼
Amounts payable within one year42/48€759k€819k▲
Current portion of amounts payable after more than one year42€423k€328k▼
Trade debts44€185k€304k▲
Suppliers440/4€185k€304k▲
Taxes, remuneration and social security45€66k€39k▼
Remuneration and social security454/9€66k€39k▼
Other amounts payable47/48€85k€149k▲
Accrued charges and deferred income492/3€3k€17k▲
Income statement
Code20242025
Remuneration, social security and pensions62€361k€343k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€133k€135k▲
Other operating charges640/8€7k€7k▲
Non-recurring operating charges66A€162k-
Gross operating margin9900€691k€601k▼
Operating profit (loss)9901€28k€117k▲
Financial income75/76B€9k€15k▲
Recurring financial income75€9k€15k▲
Financial charges65/66B€18k€44k▲
Recurring financial charges65€18k€25k▲
Non-recurring financial charges66B-€19k
Profit (loss) for the period before taxes9903€20k€88k▲
Income taxes67/77€12k€34k▲
Profit (loss) for the period9904€8k€54k▲
Profit (loss) for the period to be appropriated9905€8k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€51k▲
Profit (loss) brought forward from the previous period14P€-11k€-3k▲
Transfer from equity791/2€98k€63k▼
Transfer to equity691/2-€51k
To other reserves6921-€51k
Profit to be distributed694/7€98k€63k▼
Return on contributions (dividend)694€98k€63k▼
Social balance
Average headcount (FTE)90874.7-
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
21-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 233 days late
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-11k ▼126%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 25 days late
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
07-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Gent · 1 establishment unit since 2009
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.
Victor Braeckmanlaan 1519040 GentGround area
588 m²
Building footprint
214 m²
Volume, LiDAR
1,154 m³
Parcel 44432C0582/00G002, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HEYMAN BART
since 20092.183.098.232
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44432C0582/00G002 | Flanders | 588 m² | 1 · 214 m² | 8.8 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,383 EUR awarded · 1,383 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 525 EUR | 525 EUR |
| 2024 | 1 | 341 EUR | 341 EUR |
| 2023 | 1 | 368 EUR | 368 EUR |
| 2022 | 1 | 149 EUR | 149 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,687 companies in sector 66220 we hold annual accounts for 3,231. 2,826 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded08-05-2009
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:09/341.70.00
Fax:092383266