What does HECK FINANCE CONSULT do?

HECK FINANCE CONSULT is registered with the CBE as active in: Activiteiten van holdings. Public Limited, started on 18 March 2002, 2 establishments.

What is the address of HECK FINANCE CONSULT?

The registered office of HECK FINANCE CONSULT is located at Zur Hütte 39, 4750 Bütgenbach.

Is HECK FINANCE CONSULT still active?

Yes. According to the CBE (29 October 2026) HECK FINANCE CONSULT is active, legal situation “Normale toestand”, started on 18 March 2002.

Is HECK FINANCE CONSULT registered on Peppol?

Yes, HECK FINANCE CONSULT is registered on the Peppol network with ID 0208:0477114789.

What is the enterprise number of HECK FINANCE CONSULT?

The enterprise number of HECK FINANCE CONSULT is BE0477114789.

When was HECK FINANCE CONSULT founded?

HECK FINANCE CONSULT was founded on 18 March 2002.

Who are the directors of HECK FINANCE CONSULT?

According to the 2025 annual accounts, the directors of HECK FINANCE CONSULT are: Christianne Heck , Philippe Heck.

Is HECK FINANCE CONSULT a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 18 March 2002; 4 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account; 2 establishments in the CBE.

How much profit did HECK FINANCE CONSULT make in 2025?

HECK FINANCE CONSULT recorded a loss after taxes of € 29,577 in financial year 2025.

What is the revenue of HECK FINANCE CONSULT?

As a small company, HECK FINANCE CONSULT is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 68,516.

How much does an employee at HECK FINANCE CONSULT earn?

The average wage cost per full-time employee at HECK FINANCE CONSULT was € 69,400 in 2025: staff costs of € 69,402 for 1 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does HECK FINANCE CONSULT have?

According to the 2025 annual accounts, HECK FINANCE CONSULT has 1 full-time equivalents (FTE).

HECK FINANCE CONSULT (Public Limited) - Bütgenbach

Dossier HECK FINANCE CONSULT, printed on 29 October 2026 from databakkes.be/en/0477114789/heck-finance-consult. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Two loss years in a row NBB

Negative result in 2024 and 2025.
Tight liquidity NBB

Cash and receivables cover 5 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

HECK FINANCE CONSULT from Bütgenbach, company number BE0477114789, closed financial year 2025 with a result of € -29,577 after tax. For that financial year HECK FINANCE CONSULT recorded a gross margin of € 68,516 and equity of € 248,287. Compared with financial year 2024, the result moved from € -133,153 to € -29,577. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on November 30, 2025.

What it is worth Healthy

€ 248,287

▼ 11% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Loss Caution

€ -29,577

▲ 78 % less loss than in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 21,411

▲ 75% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Caution

Loss, nothing to pay out

Reserves fell to € 186,287.

People and assets in 2025

Full-time equivalents

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 69,402

▲ 18% vs 2024

€ 69,400 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.

Debts at end 2025

Bank debt ≈ 1 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 97,839

▼ 52% vs 2024

€ 73,245 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.

Owed to suppliers

€ 1,238

▲ 89% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 13,137

▲ 28% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ -25,366 Gross margin 2022: € -25,366 First fiscal year in the series	€ -21,564 Gross margin 2023: € -21,564 ▲ € 3,802 vs 2022 (€ -25,366) Favourable step	€ -22,176 Gross margin 2024: € -22,176 ▼ € 612 vs 2023 (€ -21,564) Unfavourable step	€ 68,516 Gross margin 2025: € 68,516 ▲ € 90,692 vs 2024 (€ -22,176) Favourable step	▲ € 90,692
Profit after taxes	€ -134,047 Profit after taxes 2022: € -134,047 First fiscal year in the series	€ -135,536 Profit after taxes 2023: € -135,536 ▼ € 1,489 vs 2022 (€ -134,047) Unfavourable step	€ -133,153 Profit after taxes 2024: € -133,153 ▲ € 2,383 vs 2023 (€ -135,536) Favourable step	€ -29,577 Profit after taxes 2025: € -29,577 ▲ € 103,576 vs 2024 (€ -133,153) Favourable step	▲ € 103,576
Equity	€ 546,554 Equity 2022: € 546,554 First fiscal year in the series	€ 411,018 Equity 2023: € 411,018 ▼ 25% vs 2022 (€ 546,554) Unfavourable step	€ 277,864 Equity 2024: € 277,864 ▼ 32% vs 2023 (€ 411,018) Unfavourable step	€ 248,287 Equity 2025: € 248,287 ▼ 11% vs 2024 (€ 277,864) Unfavourable step	▼ 11%
Total debts	€ 2,268,412 Total debts 2022: € 2,268,412 First fiscal year in the series	€ 2,413,626 Total debts 2023: € 2,413,626 ▲ 6% vs 2022 (€ 2,268,412) Unfavourable step	€ 2,509,821 Total debts 2024: € 2,509,821 ▲ 4% vs 2023 (€ 2,413,626) Unfavourable step	€ 2,632,104 Total debts 2025: € 2,632,104 ▲ 5% vs 2024 (€ 2,509,821) Unfavourable step	▲ 5%
Cash	€ 16,012 Cash 2022: € 16,012 First fiscal year in the series	€ 37,515 Cash 2023: € 37,515 ▲ 134% vs 2022 (€ 16,012) Favourable step	€ 12,238 Cash 2024: € 12,238 ▼ 67% vs 2023 (€ 37,515) Unfavourable step	€ 21,411 Cash 2025: € 21,411 ▲ 75% vs 2024 (€ 12,238) Favourable step	▲ 75%
Land & buildings	€ 99,827 Land & buildings 2022: € 99,827 First fiscal year in the series	€ 88,371 Land & buildings 2023: € 88,371 ▼ 11% vs 2022 (€ 99,827) Unchanged	€ 76,915 Land & buildings 2024: € 76,915 ▼ 13% vs 2023 (€ 88,371) Unchanged	€ 57,926 Land & buildings 2025: € 57,926 ▼ 25% vs 2024 (€ 76,915) Unchanged	▼ 25%
Retained profit	€ 484,554 Retained profit 2022: € 484,554 First fiscal year in the series	€ 349,018 Retained profit 2023: € 349,018 ▼ 28% vs 2022 (€ 484,554) Unfavourable step	€ 215,864 Retained profit 2024: € 215,864 ▼ 38% vs 2023 (€ 349,018) Unfavourable step	€ 186,287 Retained profit 2025: € 186,287 ▼ 14% vs 2024 (€ 215,864) Unfavourable step	▼ 14%
Bank debt	€ 372,580 Bank debt 2022: € 372,580 First fiscal year in the series	€ 283,602 Bank debt 2023: € 283,602 ▼ 24% vs 2022 (€ 372,580) Favourable step	€ 204,258 Bank debt 2024: € 204,258 ▼ 28% vs 2023 (€ 283,602) Favourable step	€ 97,839 Bank debt 2025: € 97,839 ▼ 52% vs 2024 (€ 204,258) Favourable step	▼ 52%
Balance sheet total	€ 2,816,860 Balance sheet total 2022: € 2,816,860 First fiscal year in the series	€ 2,826,538 Balance sheet total 2023: € 2,826,538 Unchanged (€ 2,816,860) Unchanged	€ 2,789,580 Balance sheet total 2024: € 2,789,580 ▼ 1% vs 2023 (€ 2,826,538) Unchanged	€ 2,882,285 Balance sheet total 2025: € 2,882,285 ▲ 3% vs 2024 (€ 2,789,580) Unchanged	▲ 3%
Employees (FTE)	1 Employees (FTE) 2022: 1 First fiscal year in the series	1 Employees (FTE) 2023: 1 Unchanged (1) Unchanged	1 Employees (FTE) 2024: 1 Unchanged (1) Unchanged	1 Employees (FTE) 2025: 1 Unchanged (1) Unchanged

Key figures of HECK FINANCE CONSULT, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 October 2026.

What happened to HECK FINANCE CONSULT?

What happened at HECK FINANCE CONSULT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Nov 30, 2025 New annual accounts for financial year 2025: loss of € 29,577. filed late Source: NBB ↗
Jul 16, 2002 New establishment in Bütgenbach. KBO
Jul 16, 2002 New establishment in Bütgenbach. KBO
Mar 18, 2002 Start of the company according to the CBE. KBO

In short

From € 134,047 loss in 2022 to € 29,577 loss in 2025.

Paid € 697 in corporate taxes since 2022.

On average € 68,500 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

Christianne Heck

Philippe Heck

HECK FINANCE CONSULT

AG Heck Versicherungen AG 100%

Behind HECK FINANCE CONSULT are Christianne Heck and Philippe Heck. It owns 100% of AG Heck Versicherungen AG itself.

Directors

According to the 2025 annual accounts

Christianne Heck

Director

Also active at: HENAMO

Philippe Heck

Director

Also active at: HENAMO, IMMOBILIEN UND VERWALTUNGEN HECK, HECK VERSICHERUNGEN

Establishments

Establishment units

Physical locations of this company

Registered office

Zur Hütte 39

4750 Bütgenbach

2.099.138.891

Mariengasse 8 A

4750 Bütgenbach

Active since 16 July 2002

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.

All companies at this address →

UNITE HECK

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0477.114.789

VAT number

BE 0477.114.789

Registered office

Zur Hütte 39, 4750 Bütgenbach

Names & denominations

HECK FINANCE CONSULT

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

18 March 2002

Peppol

Active · Active since 23 Dec 2025

Activities · NACE

Activiteiten van holdings

Managementactiviteiten van holdings

Holdings

Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen

View on CBE Public ↗ Annual accounts (NBB) ↗

HECK FINANCE CONSULT

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Financials

What happened to HECK FINANCE CONSULT?

Management

Directors

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions