Van Hecke Filip
ActiveSummary
The computed 12-month bankruptcy probability of Van Hecke Filip is 2.1% (moderate). The 2024 annual accounts show equity of €57k and a net result of €4k. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 9982 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability77▼-10
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 36.36 against 9.69 in 2023; short-term debt: 2.3% and cash: 61.8% of total assets), and 2.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-07-2025, 21 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
21 d early
2023
30 d early
2022
30 d early
2021
27 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€57k▲ 7.2%
2023 · €54k
2021: €34k
2022: €45k
2023: €54k
2021 → 2024
Total assets
€59k▲ 0.5%
2023 · €58k
2021: €47k
2022: €61k
2023: €58k
2021 → 2024
Net result
€4k▼ 55.6%
2023 · €9k
2021: €32k
2022: €11k
2023: €9k
2021 → 2024
Working capital
€48k▲ 12.3%
2023 · €43k
2021: €30k
2022: €41k
2023: €43k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€34k-€45k▲ 30.9%€54k▲ 19.4%€57k▲ 7.2%
Operating result€45k-€13k▼ 70.2%€13k▼ 4.2%€6k▼ 51.0%
Net result€32k-€11k▼ 67.1%€9k▼ 18.0%€4k▼ 55.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 51% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €59k
Fixed assets
€9k ▼ 13.5%
Current assets
€50k ▲ 3.6%
Equity and liabilities €59k
Equity
€57k ▲ 7.2%
Debt
€1k ▼ 72.4%
Debt's share of the balance-sheet total falls from 8.5% to 2.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€8k▼
2023 · €14k
Cash flow
€5k▼
2023 · €10k
Current ratio
36.36▲
2023 · 9.69
Debt to equity
0.02▼
2023 · 0.09
ROE
6.7%▼
2023 · 16.2%
ROA
6.6%▼
2023 · 14.9%
Interest coverage
51949.20▼
2023 · 89944.56
Debt ≤ 1 year
€1k▼
2023 · €5k
Income taxes
€3k▼
2023 · €4k
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 · 2024 against 2023 · 38 lines
Balance sheet
Code20232024
Assets
Total assets20/58€58k€59k▲
Fixed assets21/28€11k€9k▼
Tangible fixed assets22/27€11k€9k▼
Plant, machinery and equipment23€494€318▼
Furniture and vehicles24€6k€5k▼
Other tangible fixed assets26€4k€4k▼
Current assets29/58€48k€50k▲
Amounts receivable within one year40/41€8k€13k▲
Trade receivables40€3k€6k▲
Other amounts receivable41€5k€7k▲
Cash at bank and in hand54/58€40k€36k▼
Equity and liabilities
Total equity and liabilities10/49€58k€59k▲
Equity10/15€54k€57k▲
Contributions10/11€2k€2k=
Reserves13€52k€55k▲
Distributable reserves133€52k€55k▲
Amounts payable17/49€5k€1k▼
Amounts payable within one year42/48€5k€1k▼
Trade debts44€729€81▼
Suppliers440/4€729€81▼
Taxes, remuneration and social security45€4k€1k▼
Taxes450/3€4k€1k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€173€141▼
Non-recurring operating charges66A-€269
Gross operating margin9900€15k€8k▼
Operating profit (loss)9901€13k€6k▼
Financial income75/76B€207€345▲
Recurring financial income75€207€345▲
Financial charges65/66B€0€0▼
Recurring financial charges65€0€0▼
Profit (loss) for the period before taxes9903€13k€7k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€9k€4k▼
Profit (loss) for the period to be appropriated9905€9k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€4k▼
Transfer to equity691/2€9k€4k▼
To other reserves6921€9k€4k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €4k ▼55.6%
Net result drops to €4k, the lowest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 36.36
Current ratio from 9.69 to 36.36; short-term debt falls from €5k to €1k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 9.69
Current ratio from 3.48 to 9.69; short-term debt falls from €16k to €5k.
01-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Berlare · 1 establishment unit since 2020
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.
Kloosterlandstraat(O) 299290 BerlareGround area
222 m²
Building footprint
101 m²
Volume, LiDAR
506 m³
Parcel 42017D1131/00L000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Van Hecke Filip
since 20202.301.114.766
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42017D1131/00L000 | Flanders | 222 m² | 1 · 101 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.
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BE 1010.476.021
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DERAMO
BE 0460.049.323
Middelkerke · Eq €57,434
TOP DECO
BE 1019.620.250
Wezembeek-Oppem · Eq €57,436
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,171 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
Founded09-04-2020
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.