What does Heartwise Advice do?

Heartwise Advice is an insurance broker in Gent. Public Limited, started on 30 June 2009, 1 establishment.

What is the address of Heartwise Advice?

The registered office of Heartwise Advice is located at Gaston Crommenlaan 8, 9050 Gent.

Is Heartwise Advice still active?

Yes. According to the CBE (31 October 2026) Heartwise Advice is active, legal situation “Normale toestand”, started on 30 June 2009.

Is Heartwise Advice registered on Peppol?

Yes, Heartwise Advice is registered on the Peppol network with ID 0208:0816591134.

What is the enterprise number of Heartwise Advice?

The enterprise number of Heartwise Advice is BE0816591134.

When was Heartwise Advice founded?

Heartwise Advice was founded on 30 June 2009.

Who are the directors of Heartwise Advice?

According to the 2025 annual accounts, the directors of Heartwise Advice are: Petra Wealth Advisors BV, Oros Consulting BV, Filanco BV.

Is Heartwise Advice a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 30 June 2009; 5 annual accounts filed, latest fiscal year 2025; 3 directors known from the annual account.

How much profit did Heartwise Advice make in 2025?

Heartwise Advice posted a profit after taxes of € 144,591 in financial year 2025.

What is the revenue of Heartwise Advice?

As a small company, Heartwise Advice is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 167,712.

How many employees does Heartwise Advice have?

According to the 2025 annual accounts, Heartwise Advice has 0 full-time equivalents (FTE).

Heartwise Advice (Public Limited) - Gent - BE0816591134

Dossier Heartwise Advice, printed on 31 October 2026 from databakkes.be/en/0816591134/heartwise-advice. 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.

Busy address KBO

69 other companies have their registered office at the same address; threshold 10.

Financials

Financial year 2025

Heartwise Advice from Gent, company number BE0816591134, closed financial year 2025 with a result of € 144,591 after tax. For that financial year Heartwise Advice recorded a gross margin of € 167,712 and equity of € 693,399. Compared with financial year 2024, the result moved from € 213,287 to € 144,591. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on April 3, 2026.

What it is worth Growing

€ 693,399

▲ 9% vs 2024

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

Profit Healthy

€ 144,591

▼ 32% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 145,358

▼ 20% vs 2024

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

Where the profit goes Pays out

€ 90,000 paid out

62 % of the profit went to the shareholders, the rest stayed in the company.

People and assets in 2025

Full-time equivalents

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

Vehicles and equipment

€ 552

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt

None

No bank loans on the last day of the fiscal year.

Owed to suppliers

€ 198,000

▲ 286% vs 2024

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

Taxes and wages

€ 144,086

▲ € 138,878 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	€ 101,881 Gross margin 2022: € 101,881 First fiscal year in the series	€ 197,685 Gross margin 2023: € 197,685 ▲ 94% vs 2022 (€ 101,881) Favourable step	€ 165,237 Gross margin 2024: € 165,237 ▼ 16% vs 2023 (€ 197,685) Unfavourable step	€ 167,712 Gross margin 2025: € 167,712 ▲ 1% vs 2024 (€ 165,237) Favourable step	▲ 1%
Profit after taxes	€ 213,360 Profit after taxes 2022: € 213,360 First fiscal year in the series	€ 166,595 Profit after taxes 2023: € 166,595 ▼ 22% vs 2022 (€ 213,360) Unfavourable step	€ 213,287 Profit after taxes 2024: € 213,287 ▲ 28% vs 2023 (€ 166,595) Favourable step	€ 144,591 Profit after taxes 2025: € 144,591 ▼ 32% vs 2024 (€ 213,287) Unfavourable step	▼ 32%
Equity	€ 548,925 Equity 2022: € 548,925 First fiscal year in the series	€ 623,520 Equity 2023: € 623,520 ▲ 14% vs 2022 (€ 548,925) Favourable step	€ 638,808 Equity 2024: € 638,808 ▲ 2% vs 2023 (€ 623,520) Favourable step	€ 693,399 Equity 2025: € 693,399 ▲ 9% vs 2024 (€ 638,808) Favourable step	▲ 9%
Total debts	€ 245,357 Total debts 2022: € 245,357 First fiscal year in the series	€ 227,768 Total debts 2023: € 227,768 ▼ 7% vs 2022 (€ 245,357) Favourable step	€ 288,497 Total debts 2024: € 288,497 ▲ 27% vs 2023 (€ 227,768) Unfavourable step	€ 343,178 Total debts 2025: € 343,178 ▲ 19% vs 2024 (€ 288,497) Unfavourable step	▲ 19%
Cash	€ 25,873 Cash 2022: € 25,873 First fiscal year in the series	€ 161,678 Cash 2023: € 161,678 ▲ € 135,804 vs 2022 (€ 25,873) Favourable step	€ 181,350 Cash 2024: € 181,350 ▲ 12% vs 2023 (€ 161,678) Favourable step	€ 145,358 Cash 2025: € 145,358 ▼ 20% vs 2024 (€ 181,350) Unfavourable step	▼ 20%
Retained profit	€ 487,425 Retained profit 2022: € 487,425 First fiscal year in the series	€ 562,020 Retained profit 2023: € 562,020 ▲ 15% vs 2022 (€ 487,425) Favourable step	€ 577,308 Retained profit 2024: € 577,308 ▲ 3% vs 2023 (€ 562,020) Favourable step	€ 631,899 Retained profit 2025: € 631,899 ▲ 9% vs 2024 (€ 577,308) Favourable step	▲ 9%
Dividend	€ 44,000 Dividend 2022: € 44,000 First fiscal year in the series	€ 92,000 Dividend 2023: € 92,000 ▲ 109% vs 2022 (€ 44,000) Unchanged	€ 198,000 Dividend 2024: € 198,000 ▲ 115% vs 2023 (€ 92,000) Unchanged	€ 90,000 Dividend 2025: € 90,000 ▼ 55% vs 2024 (€ 198,000) Unchanged	▼ 55%
Balance sheet total	€ 850,915 Balance sheet total 2022: € 850,915 First fiscal year in the series	€ 907,922 Balance sheet total 2023: € 907,922 ▲ 7% vs 2022 (€ 850,915) Unchanged	€ 927,304 Balance sheet total 2024: € 927,304 ▲ 2% vs 2023 (€ 907,922) Unchanged	€ 1,036,577 Balance sheet total 2025: € 1,036,577 ▲ 12% vs 2024 (€ 927,304) Unchanged	▲ 12%

Key figures of Heartwise Advice, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.

What happened to Heartwise Advice?

What happened at Heartwise Advice in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Apr 3, 2026 New annual accounts for financial year 2025: profit of € 144,591 (▼ 32% vs 2024). Source: NBB ↗
Jul 16, 2009 New establishment in Oosterzele. KBO
Jun 30, 2009 Start of the company according to the CBE. KBO

In short

From € 213,360 profit in 2022 to € 144,591 profit in 2025.

Paid € 114,627 in corporate taxes since 2022.

Best year ever: 2022, with € 213,360 profit.

Paid out € 424,000 in dividends to the owners in total.

Original PDFs at the National Bank ↗

Management

Petra Wealth Advisors

Heartwise Advice

Behind Heartwise Advice are Petra Wealth Advisors BV, Oros Consulting BV and Filanco BV. The shares are held by Petra Wealth Advisors.

Directors

According to the 2025 annual accounts

Petra Wealth Advisors BV

Director · represented by Buysse David

Oros Consulting BV

Director · represented by Buysse David

Also active at: PETRA WEALTH ADVISORS

Filanco BV

Director · represented by Lanslots Paul

Also active at: PETRA WEALTH ADVISORS

Shareholders

Petra Wealth Advisors

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Gaston Crommenlaan 8

9050 Gent

2.179.382.439

Moortelbosstraat 24

9860 Oosterzele

Active since 16 July 2009

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 69 companies are registered at this address.

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

Details

Company number

0816.591.134

VAT number

BE 0816.591.134

Registered office

Gaston Crommenlaan 8, 9050 Gent

Names & denominations

Heartwise Advice

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

30 June 2009

Peppol

Active · Active since 7 Nov 2025

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Vermogensbeheer

View on CBE Public ↗ Annual accounts (NBB) ↗

Heartwise Advice

Warning lights

Financials

What happened to Heartwise Advice?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions