DRS. HARDY
ActiveDRS. HARDY has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €419k and a net result of €-8k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 83% of 16511 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▼-63
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
cash: 63.6% of total assets, and 10.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
89.6%
Return on assets
-1.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
24 d late
2024
31 d late
2023
7 d early
2022
2 d late
2021
2 d early
2020
23 d late
2019
36 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€419k▼ 1.8%
2024 · €426k
2018: €165k
2019: €201k
2020: €258k
2021: €341k
2022: €375k
2023: €384k
2024: €426k
2018 → 2025
Total assets
€468k▼ 4.8%
2024 · €491k
2018: €234k
2019: €210k
2020: €264k
2021: €350k
2022: €393k
2023: €393k
2024: €491k
2018 → 2025
Net result
€-8k
2024 · €43k
2018: €21k
2019: €36k
2020: €57k
2021: €84k
2022: €33k
2023: €9k
2024: €43k
2018 → 2025
Working capital
€354k▲ 10.2%
2023 · €321k
2018: €52k
2019: €130k
2020: €189k
2021: €284k
2022: €309k
2023: €321k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€341k-€375k▲ 9.8%€384k▲ 2.4%€426k▲ 11.1%€419k▼ 1.8%
Operating result€67k-€56k▼ 17.1%€32k▼ 42.9%€22k▼ 30.9%€-37k
Net result€84k-€33k▼ 60.0%€9k▼ 72.6%€43k▲ 365%€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €37k after €22k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €468k
Fixed assets
€109k▼ 6.9%
Current assets
€358k▼ 4.1%
Equity and liabilities €468k
Equity
€419k▼ 1.8%
Debt
€49k▼ 24.6%
The debt ratio falls from 13.2% to 10.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-11k▼
2024 · €45k
Cash flow
€18k▼
2024 · €65k
Solvency
89.6%▲
2024 · 86.8%
Debt / equity
0.12▼
2024 · 0.15
ROE
-1.8%▼
2024 · 10.0%
ROA
-1.6%▼
2024 · 8.7%
Interest coverage
-4.66▼
2024 · 12.20
Debt
€49k▼
2024 · €65k
Debt > 1 year
€49k▲
2024 · €45k
Income taxes
€-8k▼
2024 · €6k
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€491k€468k▼
Fixed assets21/28€117k€109k▼
Tangible fixed assets22/27€117k€109k▼
Land and buildings22€50k€57k▲
Plant, machinery and equipment23€4k€5k▲
Furniture and vehicles24€63k€47k▼
Current assets29/58€374k€358k▼
Amounts receivable within one year40/41€49k€61k▲
Trade receivables40€12k€12k▲
Other amounts receivable41€38k€49k▲
Cash at bank and in hand54/58€324k€297k▼
Equity and liabilities
Total equity and liabilities10/49€491k€468k▼
Equity10/15€426k€419k▼
Contributions10/11€25k€25k=
Reserves13€402k€394k▼
Distributable reserves133€402k€394k▼
Amounts payable17/49€65k€49k▼
Amounts payable after more than one year17€45k€49k▲
Financial debts170/4€45k€32k▼
Other amounts payable178/9-€17k
Amounts payable within one year42/48€20k-
Current portion of amounts payable after more than one year42€18k-
Trade debts44€2k-
Suppliers440/4€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€26k▲
Other operating charges640/8€43k€36k▼
Gross operating margin9900€88k€25k▼
Operating profit (loss)9901€22k€-37k▼
Financial income75/76B€42k€24k▼
Recurring financial income75€14k€11k▼
Non-recurring financial income76B€28k€13k▼
Financial charges65/66B€15k€2k▼
Recurring financial charges65€4k€2k▼
Non-recurring financial charges66B€12k-
Profit (loss) for the period before taxes9903€48k€-15k▼
Income taxes67/77€6k€-8k▼
Profit (loss) for the period9904€43k€-8k▼
Profit (loss) for the period to be appropriated9905€43k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€-8k▼
Transfer from equity791/2-€8k
Transfer to equity691/2€43k-
To other reserves6921€43k-
The notes to these accounts (9 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Weakest financial yearnet €-8k ▼118%
Net result drops to €-8k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 37.40
Current ratio from 17.71 to 37.40; short-term debt falls from €19k to €9k.
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €84k ▲46.6%
Operating result €67k, net result €84k, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity times 8current ratio 14.94
Current ratio from 1.80 to 14.94; short-term debt falls from €66k to €9k.
31-12
Financial
Equity above €200kEq €201k ▲21.5%
2 profitable years in a row build equity to €201k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 13 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
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, Riemst
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.
Bolderstraat 703770 RiemstGround area
1,185 m²
Building footprint
190 m²
Volume, LiDAR
1,122 m³
Parcel 73102C0231/00V000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73102C0231/00V000 | Flanders | 1,185 m² | 1 · 190 m² | 9.4 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600XA94PGIP835C12
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Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 5,031 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-12-2000
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
86901Human health activities
86910Medical imaging and medical laboratories
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.