CHEMINS DE L'HARMONIE
ActiveSummary
CHEMINS DE L'HARMONIE has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €597k and a net result of €-63k. The figures fluctuate too strongly year-on-year for a reliable trend projection. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▲+50
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
cash: 0.5% of total assets, and 20.7% 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
79.3%
Return on assets
-8.4%
Age of the figures
12 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-63k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 12-03-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
107 d early
2023
7 d early
2022
31 d early
2021
129 d early
2020
30 d early
2019
87 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€597k▼ 9.6%
2024 · €660k
2018: €35k
2019: €62k
2020: €93k
2021: €96k
2022: €69k
2023: €727k
2024: €660k
2018 → 2025
Total assets
€753k▼ 6.8%
2024 · €808k
2018: €168k
2019: €155k
2020: €266k
2021: €245k
2022: €198k
2023: €873k
2024: €808k
2018 → 2025
Net result
€-63k▲ 6.1%
2024 · €-67k
2018: €2k
2019: €28k
2020: €30k
2021: €4k
2022: €-27k
2023: €-84k
2024: €-67k
2018 → 2025
Working capital
€105
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€96k-€69k▼ 28.1%€727k▲ 949%€660k▼ 9.2%€597k▼ 9.6%
Operating result€4k-€-27k€-84k▼ 210%€-67k▲ 20.2%€-63k▲ 6.1%
Net result€4k-€-27k€-84k▼ 210%€-67k▲ 20.2%€-63k▲ 6.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €63k in 2025 against €67k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €753k
Fixed assets
€749k ▼ 7.0%
Current assets
€4k ▲ 86.0%
Equity and liabilities €753k
Equity
€597k ▼ 9.6%
Provisions
€1k ▼ 7.0%
Debt
€155k ▲ 5.6%
Debt's share of the balance-sheet total rises from 18.1% to 20.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€3k▲
2024 · €-2k
Cash flow
€3k▲
2024 · €-2k
Debt to equity
0.26▲
2024 · 0.22
ROE
-10.6%▼
2024 · -10.2%
ROA
-8.4%▼
2024 · -8.3%
Interest coverage
57.13▲
2024 · -34.05
Debt > 1 year
€155k▲
2024 · €144k
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€808k€753k▼
Fixed assets21/28€806k€749k▼
Tangible fixed assets22/27€805k€748k▼
Land and buildings22€716k€660k▼
Plant, machinery and equipment23€89k€88k▼
Financial fixed assets28€496€496=
Current assets29/58€2k€4k▲
Cash at bank and in hand54/58€1k€4k▲
Deferred charges and accrued income490/1€670-
Equity and liabilities
Total equity and liabilities10/49€808k€753k▼
Equity10/15€660k€597k▼
Contributions10/11€7k€7k=
Revaluation surpluses12€742k€742k=
Reserves13€23k€23k▼
Tax-exempt reserves132€21k€21k▼
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-112k€-175k▼
Provisions and deferred taxes16€1k€1k▼
Deferred taxes168€1k€1k▼
Amounts payable17/49€146k€155k▲
Amounts payable after more than one year17€144k€155k▲
Other amounts payable178/9€144k€155k▲
Amounts payable within one year42/48€2k-
Trade debts44€2k-
Suppliers440/4€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€66k▲
Other operating charges640/8€2k€485▼
Gross operating margin9900€654€3k▲
Operating profit (loss)9901€-67k€-63k▲
Financial charges65/66B€52€45▼
Recurring financial charges65€52€45▼
Profit (loss) for the period before taxes9903€-67k€-63k▲
Transfer from deferred taxes780€93€93=
Profit (loss) for the period9904€-67k€-63k▲
Transfer from tax-exempt reserves789€278€278=
Profit (loss) for the period to be appropriated9905€-67k€-63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-112k€-175k▼
Profit (loss) brought forward from the previous period14P€-45k€-112k▼
The notes to these accounts (11 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
12-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
13-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €-84k
Net result drops to €-84k, the lowest in the series; recovery starts the following year.
30-09
Financial
Equity above €500kEq €727k ▲949%
Equity rises from €69k to €727k.
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Highest result since 2018net €30k ▲8.9%
Operating result €30k, net result €30k, both a record.
03-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Pecq · 1 establishment unit since 2000
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.
Rue de Soreille(PEC) 77740 PecqGround area
4,845 m²
Building footprint
495 m²
Volume, LiDAR
2,142 m³
2 parcels, Wallonia · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vestingstraat(KOM) 28, 7780 Comines-Warneton
since 20002.096.836.231
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57062C0242/00Z000 | Wallonia | 2,888 m² | 1 · 319 m² | 10.1 m · 2 fl. |
| 54002C0637/00E000 | Wallonia | 1,957 m² | 1 · 175 m² | - |
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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2000
Fiscal year end30-09
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.