ARMONICS
ActiveARMONICS has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 30% of 2692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-26
Solvency48▼-4
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 1.0 against 1.2 in 2024; short-term debt: 77.2% and cash: 31.8% of total assets), and 77.2% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
22.8%
Return on assets
4.3%
Age of the figures
9 mo
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
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 02-07-2026, 29 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
29 d early
2024
29 d late
2023
30 d late
2022
32 d late
2021
31 d late
2020
26 d late
2019
88 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€19k▼ 54.5%
2024 · €41k
2018: €27k
2019: €51k
2020: €63k
2021: €20k
2022: €19k
2023: €53k
2024: €41k
2018 → 2025
Total assets
€82k▼ 46.5%
2024 · €153k
2018: €52k
2019: €79k
2020: €88k
2021: €67k
2022: €102k
2023: €80k
2024: €153k
2018 → 2025
Net result
€4k▼ 92.6%
2024 · €48k
2018: €21k
2019: €24k
2020: €12k
2021: €11k
2022: €33k
2023: €34k
2024: €48k
2018 → 2025
Working capital
€-205
2024 · €22k
2018: €19k
2019: €42k
2020: €54k
2021: €12k
2022: €10k
2023: €45k
2024: €22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€19k▼ 5.4%€53k▲ 183%€41k▼ 22.4%€19k▼ 54.5%
Operating result€15k-€43k▲ 185%€44k▲ 1.3%€63k▲ 43.3%€7k▼ 89.6%
Net result€11k-€33k▲ 207%€34k▲ 2.8%€48k▲ 40.6%€4k▼ 92.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 90% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €82k
Fixed assets
€19k▼ 8.1%
Current assets
€63k▼ 52.5%
Equity and liabilities €82k
Equity
€19k▼ 54.5%
Debt
€63k▼ 43.6%
The debt ratio rises from 73.2% to 77.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€9k▼
2024 · €64k
Cash flow
€7k▼
2024 · €50k
Solvency
22.8%▼
2024 · 26.8%
Current ratio
1.00▼
2024 · 1.20
Quick ratio
1.00▼
2024 · 1.20
Debt / equity
3.39▲
2024 · 2.73
ROE
19.0%▼
2024 · 117.2%
ROA
4.3%▼
2024 · 31.4%
Interest coverage
13.57▼
2024 · 82.32
Debt
€63k▼
2024 · €112k
Debt ≤ 1 year
€63k▼
2024 · €110k
Income taxes
€3k▼
2024 · €14k
Staff costs
€115k▲
2024 · €48k
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€153k€82k▼
Fixed assets21/28€20k€19k▼
Intangible fixed assets21€12k€11k▼
Tangible fixed assets22/27€3k€3k▼
Furniture and vehicles24€3k€3k▼
Financial fixed assets28€5k€5k=
Current assets29/58€132k€63k▼
Amounts receivable within one year40/41€37k€36k▼
Trade receivables40€36k€34k▼
Other amounts receivable41€860€2k▲
Cash at bank and in hand54/58€94k€26k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€153k€82k▼
Equity10/15€41k€19k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€22k-
Amounts payable17/49€112k€63k▼
Amounts payable within one year42/48€110k€63k▼
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Taxes, remuneration and social security45€72k€59k▼
Taxes450/3€61k€41k▼
Remuneration and social security454/9€11k€17k▲
Other amounts payable47/48€34k€3k▼
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Remuneration, social security and pensions62€48k€115k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€125€125=
Gross operating margin9900€113k€124k▲
Operating profit (loss)9901€63k€7k▼
Financial income75/76B€341€317▼
Recurring financial income75€341€317▼
Financial charges65/66B€780€700▼
Recurring financial charges65€780€700▼
Profit (loss) for the period before taxes9903€62k€6k▼
Income taxes67/77€14k€3k▼
Profit (loss) for the period9904€48k€4k▼
Profit (loss) for the period to be appropriated9905€48k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€82k€26k▼
Profit (loss) brought forward from the previous period14P€34k€22k▼
Profit to be distributed694/7€60k€26k▼
Return on contributions (dividend)694€60k€26k▼
The notes to these accounts (10 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €4k ▼92.6%
Net result drops to €4k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €48k ▲40.6%
Operating result €63k, net result €48k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 2.67
Current ratio from 1.12 to 2.67; short-term debt falls from €84k to €27k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 32 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 88 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
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, Vilvoorde · 1 establishment unit since 2018
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.
Eksterstraat 261800 VilvoordeGround area
163 m²
Building footprint
58 m²
Volume, LiDAR
488 m³
Parcel 23088A0151/00A008, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ARMONICS
since 20182.271.893.715
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23088A0151/00A008 | Flanders | 163 m² | 1 · 58 m² | 10.9 m · 3 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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Of 16,887 companies in sector 62100 we hold annual accounts for 8,777. 5,681 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-2018
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
70200Business and other management consultancy
70220Business consulting
46190Agents in non-specialised wholesale trade
69109Other legal services
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.