HEPE Consult
ActiveSummary
The computed 12-month bankruptcy probability of HEPE Consult is 4.8% (elevated). The annual accounts of HEPE Consult for fiscal year 2025 show a net loss of 51% of total assets. The 2025 annual accounts show equity of €47k and a net result of €-27k. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 94% of 13305 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
4.8%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 6.95 against 29.81 in 2024; short-term debt: 14% and cash: 95.5% of total assets), and 14% 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.
+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
86%
Return on assets
-50.7%
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 26-05-2026, 66 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
66 d early
2024
41 d early
2023
23 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
€47k▼ 37.1%
2024 · €74k
2023: €42k
2024: €74k
2023 → 2025
Total assets
€54k▼ 28.2%
2024 · €75k
2023: €104k
2024: €75k
2023 → 2025
Net result
€-27k
2024 · €32k
2023: €37k
2024: €32k
2023 → 2025
Working capital
€45k▲ 9.9%
2024 · €41k
2023: €-2k
2024: €41k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€42k-€74k▲ 75.8%€47k▼ 37.1%
Operating result€48k-€42k▼ 13.1%€-7k
Net result€37k-€32k▼ 14.0%€-27k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €7k after €42k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €54k
Fixed assets
€1k ▼ 95.9%
Current assets
€52k ▲ 24.1%
Equity and liabilities €54k
Equity
€47k ▼ 37.1%
Debt
€8k ▲ 432%
Debt's share of the balance-sheet total rises from 1.9% to 14.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-6k▼
2024 · €53k
Cash flow
€-26k▼
2024 · €43k
Current ratio
6.95▼
2024 · 29.81
Debt to equity
0.16▲
2024 · 0.02
ROE
-58.9%▼
2024 · 43.1%
ROA
-50.7%▼
2024 · 42.3%
Interest coverage
-57.42▼
2024 · 35.34
Debt ≤ 1 year
€8k▲
2024 · €1k
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 · 32 lines
Balance sheet
Code20242025
Assets
Total assets20/58€75k€54k▼
Formation expenses20€904€283▼
Fixed assets21/28€32k€1k▼
Tangible fixed assets22/27€32k€1k▼
Plant, machinery and equipment23€32k€1k▼
Current assets29/58€42k€52k▲
Amounts receivable within one year40/41€2k€861▼
Other amounts receivable41€2k€861▼
Cash at bank and in hand54/58€40k€52k▲
Equity and liabilities
Total equity and liabilities10/49€75k€54k▼
Equity10/15€74k€47k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€69k€42k▼
Amounts payable17/49€1k€8k▲
Amounts payable within one year42/48€1k€8k▲
Other amounts payable47/48€1k€8k▲
Income statement
Code20242025
Remuneration, social security and pensions62€73k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€981▼
Other operating charges640/8€1k€66▼
Gross operating margin9900€127k€-6k▼
Operating profit (loss)9901€42k€-7k▼
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€1k€21k▲
Recurring financial charges65€1k€102▼
Non-recurring financial charges66B€2€20k▲
Profit (loss) for the period before taxes9903€40k€-27k▼
Income taxes67/77€8k-
Profit (loss) for the period9904€32k€-27k▼
Profit (loss) for the period to be appropriated9905€32k€-27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€69k€42k▼
Profit (loss) brought forward from the previous period14P€37k€69k▲
The notes to these accounts (6 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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-27k ▼186%
Net result drops to €-27k, the lowest in the series.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 31current ratio 29.81
Current ratio from 0.97 to 29.81; short-term debt falls from €62k to €1k.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Oostende · 1 establishment unit since 2023
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.
Euphrosina Beernaertstraat 1408400 OostendeGround area
362 m²
Building footprint
362 m²
Volume, LiDAR
8,038 m³
2 parcels, Flanders · tallest building 33.5 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
RESTAURANT BACARA
since 20232.340.990.971
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35022A0001/00L060 | Flanders | 301 m² | 1 · 301 m² | 33.5 m · 10 fl. |
| 35013A1657/00R007 | Flanders | 61 m² | 1 · 60 m² | 14.4 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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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't Huis Zonder Naam
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ARTEMIS
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Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 9,805 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
Founded17-01-2023
Fiscal year end31-12
Legal name NL
RESTAURANT BACARA
Activities, NACEBEL 2025
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@bacara.be