Haardvuur
ActiveHaardvuur has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €29k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 16974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+98
Solvency49▲+23
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 0.95 in 2024; short-term debt: 76.1% and cash: 82.1% of total assets), and 76.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
23.9%
Return on assets
23.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 16974 sector peers (2025).
NBB · sector comparisonPosition among 16974 sector peers
Solvency
better than 23%
← weakest
strongest →
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
7 d early
2023
19 d early
2022
7 d early
2021
3 d late
2020
18 d late
2019
30 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€30k▲ 4,195%
2024 · €697
2018: €-108k
2019: €-109k
2020: €-88k
2021: €-36k
2022: €7k
2023: €43k
2024: €697
2018 → 2025
Total assets
€125k▲ 22.8%
2024 · €102k
2018: €16
2019: €88
2020: €45k
2021: €76k
2022: €125k
2023: €158k
2024: €102k
2018 → 2025
Net result
€29k
2024 · €-42k
2018: €-348
2019: €-1k
2020: €22k
2021: €52k
2022: €43k
2023: €36k
2024: €-42k
2018 → 2025
Working capital
€24k
2024 · €-6k
2018: €-108k
2019: €-109k
2020: €-88k
2021: €-36k
2022: €7k
2023: €43k
2024: €-6k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-36k-€7k€43k▲ 509%€697▼ 98.4%€30k▲ 4,195%
Operating result€52k-€46k▼ 11.1%€56k▲ 21.8%€-42k€30k
Net result€52k-€43k▼ 16.0%€36k▼ 16.8%€-42k€29k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €30k after a loss of €42k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125k
Fixed assets
€6k▼ 5.5%
Current assets
€119k▲ 24.7%
Equity and liabilities €125k
Equity
€30k▲ 4,195%
Debt
€95k▼ 5.9%
The debt ratio falls from 99.3% to 76.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€35k▲
2024 · €-40k
Cash flow
€34k▲
2024 · €-41k
Solvency
23.9%▲
2024 · 0.7%
Current ratio
1.25▲
2024 · 0.95
Quick ratio
1.25▲
2024 · 0.95
Debt / equity
3.18
ROE
97.7%
ROA
23.4%▲
2024 · -41.6%
Interest coverage
76.94▲
2024 · -106.51
Debt
€95k▼
2024 · €101k
Debt ≤ 1 year
€95k▼
2024 · €101k
Income taxes
€327▼
2024 · €359
Staff costs
€412▲
2024 · €169
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€102k€125k▲
Fixed assets21/28€6k€6k▼
Tangible fixed assets22/27€6k€6k▼
Furniture and vehicles24€6k€6k▼
Current assets29/58€96k€119k▲
Amounts receivable within one year40/41€16k€16k▲
Trade receivables40€16k€12k▼
Other amounts receivable41€37€4k▲
Cash at bank and in hand54/58€80k€103k▲
Deferred charges and accrued income490/1€236€467▲
Equity and liabilities
Total equity and liabilities10/49€102k€125k▲
Equity10/15€697€30k▲
Contributions10/11€19k€19k=
Reserves13€45k€45k=
Distributable reserves133€45k€45k=
Profit (loss) carried forward14€-63k€-33k▲
Amounts payable17/49€101k€95k▼
Amounts payable within one year42/48€101k€95k▼
Trade debts44€4k€397▼
Suppliers440/4€4k€397▼
Taxes, remuneration and social security45€13k€14k▲
Taxes450/3€13k€14k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€84k€81k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€169€412▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€5k▲
Other operating charges640/8€635€66▼
Non-recurring operating charges66A€71€14▼
Gross operating margin9900€-39k€35k▲
Operating profit (loss)9901€-42k€30k▲
Financial income75/76B€154€131▼
Recurring financial income75€154€131▼
Financial charges65/66B€377€454▲
Recurring financial charges65€377€454▲
Profit (loss) for the period before taxes9903€-42k€30k▲
Income taxes67/77€359€327▼
Profit (loss) for the period9904€-42k€29k▲
Profit (loss) for the period to be appropriated9905€-42k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-63k€-33k▲
Profit (loss) brought forward from the previous period14P€-20k€-63k▼
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (6 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-42k ▼218%
Net result drops to €-42k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
31-12
Financial
Highest result since 2018net €52k ▲139%
Net result €52k, the highest in the series.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-12
Financial
Back to profitnet €22k
Net result €22k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 30 days late
2019
14-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 106 days late
18-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 444 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Rotselaar · 1 establishment unit since 1983
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.
Beverlaak 153118 RotselaarGround area
378 m²
Building footprint
156 m²
Volume, LiDAR
735 m³
Parcel 24121E0116/00A000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Beverlaak 15, 3118 Rotselaar
since 19832.035.315.267
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24121E0116/00A000 | Flanders | 378 m² | 1 · 156 m² | 7.1 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.
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Of 16,874 companies in sector 62100 we hold annual accounts for 8,779. 6,373 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-1982
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 43 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.haardvuur.net
E-mail:info@haardvuur.net