Heyns Expertise
ActiveHeyns Expertise has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €573. Its solvency ranks better than 12% of 2176 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability43
Solvency26
Growth-
Track record67
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
1%
Return on assets
0.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 2176 sector peers (2025).
NBB · sector comparisonPosition among 2176 sector peers
Solvency
better than 12%
← weakest
strongest →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€3k
Total assets
€317k
Net result
€573
Working capital
€181k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €317k
Fixed assets
€56k
Current assets
€261k
Equity and liabilities €317k
Equity
€3k
Debt
€314k
Debt finances 99.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€18k
Cash flow
€12k
Solvency
1.0%
Current ratio
3.25
Quick ratio
0.29
ROE
18.6%
ROA
0.2%
Interest coverage
2.89
Debt
€314k
Debt ≤ 1 year
€80k
Debt > 1 year
€234k
A ratio outside any meaningful range has been withheld (balance sheet total €317k, equity €3k).
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€317k
Fixed assets21/28€56k
Tangible fixed assets22/27€55k
Furniture and vehicles24€55k
Financial fixed assets28€325
Current assets29/58€261k
Stocks and contracts in progress3€238k
Stocks30/36€238k
Amounts receivable within one year40/41€16k
Trade receivables40€15k
Other amounts receivable41€439
Cash at bank and in hand54/58€6k
Deferred charges and accrued income490/1€1k
Equity and liabilities
Total equity and liabilities10/49€317k
Equity10/15€3k
Contributions10/11€3k
Profit (loss) carried forward14€573
Amounts payable17/49€314k
Amounts payable after more than one year17€234k
Financial debts170/4€178k
Other amounts payable178/9€55k
Amounts payable within one year42/48€80k
Current portion of amounts payable after more than one year42€11k
Trade debts44€6k
Suppliers440/4€6k
Taxes, remuneration and social security45€3k
Taxes450/3€3k
Other amounts payable47/48€61k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k
Other operating charges640/8€174
Gross operating margin9900€18k
Operating profit (loss)9901€7k
Financial income75/76B€1
Recurring financial income75€1
Financial charges65/66B€6k
Recurring financial charges65€6k
Profit (loss) for the period before taxes9903€573
Profit (loss) for the period9904€573
Profit (loss) for the period to be appropriated9905€573
Appropriation of the result
Profit (loss) to be appropriated9906€573
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
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
NBB filing
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, Sint-Niklaas · 1 establishment unit since 2025
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.
Heimolenstraat 99100 Sint-NiklaasGround area
1,058 m²
Building footprint
168 m²
Parcel 46444D0217/00E002, Flanders. Linked by address, not a title deed.
1 establishment unit
Heyns Expertise
since 20252.368.477.407
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46444D0217/00E002 | Flanders | 1,057 m² | 1 · 168 m² | - |
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
2025 · 1 entry · 60 EUR awarded · 60 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 60 EUR | 60 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 4,672 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2025
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
46839Wholesale trade
68121Development of residential building projects
71111Activities of building architects
71121Engineering and related technical consultancy, excluding land surveyors
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.