HarAch
ActiveHarAch has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €75k and a net result of €14k. Equity is growing by ~53.1% per year across the filed fiscal years. Its solvency ranks better than 91% of 37972 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability91▼-9
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 12.8 against 12.89 in 2023; short-term debt: 7.7% and cash: 19.7% of total assets), and 7.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 31-12-2024 was due by 31-07-2025 and was filed on 01-07-2025, 30 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
30 d early
2023
49 d early
2022
40 d early
2021
47 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€75k▲ 23.3%
2023 · €61k
2021: €6k
2022: €32k
2023: €61k
2021 → 2024
Total assets
€82k▲ 23.5%
2023 · €66k
2021: €21k
2022: €62k
2023: €66k
2021 → 2024
Net result
€14k▼ 51.3%
2023 · €29k
2021: €6k
2022: €26k
2023: €29k
2021 → 2024
Working capital
€74k▲ 25.5%
2023 · €59k
2021: €6k
2022: €29k
2023: €59k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€6k-€32k▲ 456%€61k▲ 91.4%€75k▲ 23.3%
Operating result€8k-€36k▲ 363%€39k▲ 9.4%€20k▼ 49.3%
Net result€6k-€26k▲ 364%€29k▲ 11.5%€14k▼ 51.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 49% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €82k
Fixed assets
€2k▼ 31.7%
Current assets
€80k▲ 25.5%
Equity and liabilities €82k
Equity
€75k▲ 23.3%
Debt
€6k▲ 26.4%
The debt ratio rises from 7.5% to 7.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€20k▼
2023 · €40k
Cash flow
€15k▼
2023 · €30k
Solvency
92.3%▼
2023 · 92.5%
Current ratio
12.80▼
2023 · 12.89
Quick ratio
12.80▼
2023 · 12.89
Debt / equity
0.08▲
2023 · 0.08
ROE
18.9%▼
2023 · 47.8%
ROA
17.4%▼
2023 · 44.2%
Interest coverage
21.71▼
2023 · 32.77
Debt
€6k▲
2023 · €5k
Debt ≤ 1 year
€6k▲
2023 · €5k
Income taxes
€5k▼
2023 · €9k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€66k€82k▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Plant, machinery and equipment23€1k€777▼
Furniture and vehicles24€1k€822▼
Current assets29/58€64k€80k▲
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€29k€59k▲
Trade receivables40€13k€39k▲
Other amounts receivable41€16k€20k▲
Cash at bank and in hand54/58€31k€16k▼
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€66k€82k▲
Equity10/15€61k€75k▲
Contributions10/11€100€100=
Profit (loss) carried forward14€61k€75k▲
Amounts payable17/49€5k€6k▲
Amounts payable within one year42/48€5k€6k▲
Trade debts44€799€830▲
Suppliers440/4€799€830▲
Taxes, remuneration and social security45€1k€3k▲
Taxes450/3€1k€3k▲
Other amounts payable47/48€3k€3k=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€744€744=
Other operating charges640/8€2k€903▼
Gross operating margin9900€41k€21k▼
Operating profit (loss)9901€39k€20k▼
Financial income75/76B€18€787▲
Recurring financial income75€18€787▲
Financial charges65/66B€1k€944▼
Recurring financial charges65€1k€944▼
Profit (loss) for the period before taxes9903€38k€20k▼
Income taxes67/77€9k€5k▼
Profit (loss) for the period9904€29k€14k▼
Profit (loss) for the period to be appropriated9905€29k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€61k€75k▲
Profit (loss) brought forward from the previous period14P€32k€61k▲
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
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €29k ▲11.5%
Operating result €39k, net result €29k, both a record.
31-12
Financial
Liquidity times 7current ratio 12.89
Current ratio from 1.94 to 12.89; short-term debt falls from €31k to €5k.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Namur · 1 establishment unit since 2021
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.
Chemin de la Caracole 405000 NamurGround area
661 m²
Parcel 92302E0317/02_000, Wallonia. Linked by address, not a title deed.
1 establishment unit
HarAch
since 20212.315.382.080
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302E0317/02_000indicative | Wallonia | 661 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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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Delinsuro
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SIGIKEY
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BAZU
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 39,903 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-03-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
71121Engineering and related technical consultancy, excluding land surveyors
71209Other technical testing and analysis
73300Public relations and communication consultancy
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.