HEYMAN SCHILDERWERKEN
ActiveSummary
The computed 12-month bankruptcy probability of HEYMAN SCHILDERWERKEN is 1.7% (moderate). The 2025 annual accounts show equity of €293k and a net result of €87k. Equity is growing by ~21% per year across the filed fiscal years. Its solvency ranks better than 71% of 27786 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▼-1
Solvency92▼-8
Growth78=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 2.74 against 5.18 in 2024; short-term debt: 33.2% and cash: 48% of total assets), and 33.2% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
66.8%
Return on assets
19.8%
Age of the figures
9 mo
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 21-07-2026, 10 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
10 d early
2024
29 d late
2023
22 d early
2022
70 d early
2021
19 d early
2020
39 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
€293k▼ 4.2%
2024 · €306k
2020: €62k
2021: €163k
2022: €191k
2023: €265k
2024: €306k
2020 → 2025
Total assets
€439k▲ 19.5%
2024 · €368k
2020: €111k
2021: €225k
2022: €354k
2023: €391k
2024: €368k
2020 → 2025
Net result
€87k▲ 14.4%
2024 · €76k
2020: €42k
2021: €100k
2022: €79k
2023: €124k
2024: €76k
2020 → 2025
Working capital
€253k▼ 1.5%
2024 · €257k
2020: €70k
2021: €140k
2022: €173k
2023: €238k
2024: €257k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€163k-€191k▲ 17.7%€265k▲ 38.5%€306k▲ 15.5%€293k▼ 4.2%
Operating result€128k-€102k▼ 20.5%€157k▲ 54.0%€95k▼ 39.5%€110k▲ 15.9%
Net result€100k-€79k▼ 21.7%€124k▲ 57.2%€76k▼ 38.5%€87k▲ 14.4%
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 16% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €439k
Fixed assets
€40k ▼ 18.6%
Current assets
€399k ▲ 25.3%
Equity and liabilities €439k
Equity
€293k ▼ 4.2%
Debt
€146k ▲ 137%
Debt's share of the balance-sheet total rises from 16.7% to 33.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€125k▲
2024 · €107k
Cash flow
€102k▲
2024 · €88k
Current ratio
2.74▼
2024 · 5.18
Quick ratio
2.71▼
2024 · 5.12
Debt to equity
0.50▲
2024 · 0.20
ROE
29.7%▲
2024 · 24.9%
ROA
19.8%▼
2024 · 20.7%
Interest coverage
73.70▼
2024 · 75.50
Debt ≤ 1 year
€146k▲
2024 · €62k
Income taxes
€23k▲
2024 · €19k
Staff costs
€255k▲
2024 · €221k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€368k€439k▲
Fixed assets21/28€49k€40k▼
Tangible fixed assets22/27€49k€40k▼
Plant, machinery and equipment23€3k€837▼
Furniture and vehicles24€46k€39k▼
Current assets29/58€319k€399k▲
Stocks and contracts in progress3€4k€4k▲
Stocks30/36€4k€4k▲
Amounts receivable within one year40/41€49k€82k▲
Trade receivables40€38k€58k▲
Other amounts receivable41€11k€24k▲
Current investments50/53€60k€80k▲
Cash at bank and in hand54/58€199k€211k▲
Deferred charges and accrued income490/1€7k€22k▲
Equity and liabilities
Total equity and liabilities10/49€368k€439k▲
Equity10/15€306k€293k▼
Contributions10/11€20k€20k=
Reserves13€286k€273k▼
Distributable reserves133€286k€273k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€62k€146k▲
Amounts payable within one year42/48€62k€146k▲
Current portion of amounts payable after more than one year42€0-
Financial debts43-€14k
Credit institutions430/8-€14k
Trade debts44€11k€22k▲
Suppliers440/4€11k€22k▲
Taxes, remuneration and social security45€13k€18k▲
Taxes450/3€9k€18k▲
Remuneration and social security454/9€4k€0▼
Other amounts payable47/48€37k€92k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€221k€255k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€15k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€329k€382k▲
Operating profit (loss)9901€95k€110k▲
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€95k€110k▲
Income taxes67/77€19k€23k▲
Profit (loss) for the period9904€76k€87k▲
Profit (loss) for the period to be appropriated9905€76k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€76k€87k▲
Transfer from equity791/2-€13k
Transfer to equity691/2€41k€0▼
To other reserves6921€41k€0▼
Profit to be distributed694/7€35k€100k▲
Return on contributions (dividend)694€35k€100k▲
The notes to these accounts (11 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
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €124k ▲57.2%
Operating result €157k, net result €124k, both a record.
31-12
Financial
Equity above €200kEq €265k ▲38.5%
4 profitable years in a row build equity to €265k.
22-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €163k ▲162%
2 profitable years in a row build equity to €163k.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Antwerpen · 1 establishment unit since 2019
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.
Steenstraat 632180 AntwerpenGround area
315 m²
Building footprint
113 m²
Volume, LiDAR
710 m³
Parcel 11364F0580/00Y005, Flanders · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Heyman Schilderwerken
since 20192.291.369.038
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11364F0580/00Y005 | Flanders | 315 m² | 1 · 113 m² | 11.9 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 2024 · 2 entries · 456 EUR awarded · 456 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 303 EUR | 303 EUR |
| 2022 | 1 | 153 EUR | 153 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
2 categoriesHEYMAN SCHILDERWERKEN BV45913
Dual-learning approval
3 live approvalsDecoratie en schilderwerken duaal (so)
Medewerker schilder- en behangwerken duaal (so)
Schilder-decorateur (vwo)
Similar companies · same sector, comparable size
RUTTEN
BE 0420.141.147
Schaarbeek · Eq €292,153
AMBER
BE 0464.279.018
Haacht · Eq €290,876
Mélon Peinture et Décoration
BE 0871.155.020
Nivelles · Eq €290,807
DE NAUW
BE 0478.099.340
Ninove · Eq €290,710
Basart
BE 0717.729.724
Schoten · Eq €290,528
Of 7,861 companies in sector 43341 we hold annual accounts for 2,663. 1,836 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
Founded05-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
43341Painting of buildings
47526Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.