LuHeFo
ActiveLuHeFo has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16.89M and a net result of €4.69M. Equity is growing by ~27% per year across the filed fiscal years. Its solvency ranks better than 95% of 1633 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5M at 30 days acceptable
short-term debt: 0.4% and cash: 30.7% of total assets, and 0.4% of the assets are financed with debt.
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
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
99.6%
Return on assets
27.6%
Age of the figures
9 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
23 d early
2023
on the day
2022
29 d late
2021
5 d early
2020
2 d early
2019
31 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€16.89M▲ 28.0%
2024 · €13.20M
2018: €3.78M
2019: €3.87M
2020: €4.62M
2021: €4.67M
2022: €6.50M
2023: €10.61M
2024: €13.20M
2018 → 2025
Total assets
€16.96M▲ 18.4%
2024 · €14.32M
2018: €3.97M
2019: €4.96M
2020: €5.31M
2021: €6.27M
2022: €7.08M
2023: €10.87M
2024: €14.32M
2018 → 2025
Net result
€4.69M▲ 16.8%
2024 · €4.01M
2018: €693k
2019: €991k
2020: €1.22M
2021: €1.25M
2022: €1.83M
2023: €4.25M
2024: €4.01M
2018 → 2025
Working capital
€15.30M▲ 32.9%
2024 · €11.51M
2018: €3.48M
2019: €3.56M
2020: €4.31M
2021: €4.37M
2022: €6.06M
2023: €8.68M
2024: €11.51M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.67M-€6.50M▲ 39.1%€10.61M▲ 63.2%€13.20M▲ 24.4%€16.89M▲ 28.0%
Operating result€1.81M-€2.57M▲ 42.0%€4.89M▲ 89.8%€2.84M▼ 41.9%€3.70M▲ 30.3%
Net result€1.25M-€1.83M▲ 46.4%€4.25M▲ 133%€4.01M▼ 5.7%€4.69M▲ 16.8%
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 recovers in 2025; 2025 is 30% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €16.96M
Fixed assets
€1.59M▼ 5.6%
Current assets
€15.37M▲ 21.7%
Equity and liabilities €16.96M
Equity
€16.89M▲ 28.0%
Debt
€68k▼ 93.9%
The debt ratio falls from 7.8% to 0.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€3.72M▲
2024 · €2.86M
Cash flow
€4.71M▲
2024 · €4.03M
Solvency
99.6%▲
2024 · 92.2%
Debt / equity
0.00▼
2024 · 0.08
ROE
27.7%▼
2024 · 30.4%
ROA
27.6%▼
2024 · 28.0%
Interest coverage
168.83▲
2024 · 154.93
Debt
€68k▼
2024 · €1.12M
Debt ≤ 1 year
€68k▼
2024 · €1.12M
Income taxes
€1.44M▲
2024 · €1.17M
A ratio outside any meaningful range has been withheld (balance sheet total €16.96M, equity €16.89M).
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€14.32M€16.96M▲
Fixed assets21/28€1.69M€1.59M▼
Tangible fixed assets22/27€112k€93k▼
Land and buildings22€82k€71k▼
Plant, machinery and equipment23€217€0▼
Furniture and vehicles24€29k€21k▼
Financial fixed assets28€1.58M€1.50M▼
Current assets29/58€12.63M€15.37M▲
Amounts receivable after more than one year29€4.01M€4.13M▲
Other amounts receivable291€4.01M€4.13M▲
Amounts receivable within one year40/41€21€157k▲
Other amounts receivable41€21€157k▲
Current investments50/53€6.50M€5.88M▼
Cash at bank and in hand54/58€2.12M€5.21M▲
Equity and liabilities
Total equity and liabilities10/49€14.32M€16.96M▲
Equity10/15€13.20M€16.89M▲
Contributions10/11€6k€6k=
Reserves13€13.19M€16.89M▲
Distributable reserves133€13.19M€16.89M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.12M€68k▼
Amounts payable within one year42/48€1.12M€68k▼
Financial debts43€152€395▲
Credit institutions430/8€152€395▲
Trade debts44€850€3k▲
Suppliers440/4€850€3k▲
Taxes, remuneration and social security45€416k€56k▼
Taxes450/3€416k€56k▼
Other amounts payable47/48€704k€8k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k▼
Other operating charges640/8€968€998▲
Non-recurring operating charges66A€0-
Gross operating margin9900€2.86M€3.72M▲
Operating profit (loss)9901€2.84M€3.70M▲
Financial income75/76B€2.36M€2.45M▲
Recurring financial income75€2.36M€2.45M▲
Financial charges65/66B€18k€22k▲
Recurring financial charges65€18k€22k▲
Profit (loss) for the period before taxes9903€5.18M€6.12M▲
Income taxes67/77€1.17M€1.44M▲
Profit (loss) for the period9904€4.01M€4.69M▲
Profit (loss) for the period to be appropriated9905€4.01M€4.69M▲
Appropriation of the result
Profit (loss) to be appropriated9906€4.01M€4.69M▲
Transfer from equity791/2€1.06M€991k▼
Transfer to equity691/2€4.01M€4.69M▲
To other reserves6921€4.01M€4.69M▲
Profit to be distributed694/7€1.06M€991k▼
Return on contributions (dividend)694€1.06M€991k▼
Social balance
Average headcount (FTE)90870.00.0=
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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €4.69M ▲16.8%
Net result €4.69M, the highest in the series.
31-12
Financial
Liquidity times 20current ratio 226.38
Current ratio from 11.27 to 226.38; short-term debt falls from €1.12M to €68k.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 34.79
Current ratio from 11.35 to 34.79; short-term debt falls from €585k to €257k.
31-12
Financial
Equity above €10MEq €10.61M ▲63.2%
6 profitable years in a row build equity to €10.61M.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 11.35
Current ratio from 3.73 to 11.35; short-term debt falls from €1.60M to €585k.
31-12
Financial
Equity above €5MEq €6.50M ▲39.1%
5 profitable years in a row build equity to €6.50M.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 10 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
28-04
State Gazette act
Board meeting · Director appointment
Director reappointment · Power of attorney
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Pieters-Woluwe · 1 establishment unit since 2010
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.
Zonnegaarde 61150 Sint-Pieters-WoluweGround area
2,525 m²
Building footprint
368 m²
Volume, LiDAR
3,159 m³
Parcel 21019A0121/00T002, Brussels · tallest building 23.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Zonnegaarde 6, 1150 Sint-Pieters-Woluwe
since 20102.183.980.635
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21019A0121/00T002 | Brussels | 2,525 m² | 1 · 368 m² | 23.6 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.
Recognitions · licences · registrations
Legal Entity Identifier
98450049DABD65ED2B26
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VIVIDIA
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 277 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-2009
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.