Financials
- Fiscal year
- 2025
- Total assets
- €882,390
- Profit
- €19,094
- Solvency
- 21.1%
Total assets▼ 6.8%
Net result
20202025
HARD&CO
ActiveSummary
HARD&CO has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €185,885 and a net result of €19,094. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 23% of 5730 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Overview
Activity
Agents in the wholesale of furniture, household goods and hardware
NACE 46150Retail sale of household furniture NACE 47551NACE 47591
1 site
Size
€882,390total assets 2025
- Staff
- 4 FTE
- Equity
- €185,885
- Profit
- €19,094
Structure
Accounts 73 d early0 of 2 deeds read
Why 83- Founded in 2019+ Figures for FY 2025 (filed 20-05-2026)+ Liquidity: current ratio 1.13, cash €355,383+ Size: 4 FTE, total assets €882,390Show the evidence
Checked score
Score 2025
83
/ 100
Excellent
Probability in this band: under 0.55%
Better than 37% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency
46-7
equity 21.1% of total assets
Liquidity
57+1
short-term debt 78.9% · cash 40.3%
Profitability
49-23
return on assets 2.2%
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.4%
12-2024: 0.4%● 0.0% vs 11-2024
01-2025: 0.4%● 0.0% vs 12-2024
02-2025: 0.4%▲ +0.7% vs 01-2025
03-2025: 0.4%● 0.0% vs 02-2025
04-2025: 0.5%▲ +11.0% vs 03-2025
05-2025: 0.5%▼ -1.0% vs 04-2025
06-2025: 0.5%▼ -7.8% vs 05-2025
07-2025: 0.5%▲ +20.2% vs 06-2025highest value
08-2025: 0.3%▼ -38.6% vs 07-2025
09-2025: 0.3%● 0.0% vs 08-2025
10-2025: 0.3%● 0.0% vs 09-2025
11-2025: 0.3%● 0.0% vs 10-2025
12-2025: 0.3%● 0.0% vs 11-2025
01-2026: 0.3%▼ -0.9% vs 12-2025
02-2026: 0.3%● 0.0% vs 01-2026
03-2026: 0.3%▼ -1.2% vs 02-2026lowest value
04-2026: 0.4%▲ +11.4% vs 03-2026
05-2026: 0.4%▼ -1.1% vs 04-2026
06-2026: 0.4%▲ +3.1% vs 05-2026
07-2026: 0.4%● 0.0% vs 06-2026
08-2026: 0.4%▲ +2.4% vs 07-2026
09-2026: 0.4%● 0.0% vs 08-2026
10-2026: 0.4%▼ -5.3% vs 09-2026
- Figures for FY 2025 (filed 20-05-2026) lowers the probability
- Liquidity: current ratio 1.13, cash €355,383 lowers the probability
- Founded in 2019 raises the probability for this profile
- Size: 4 FTE, total assets €882,390 lowers the probability for this profile
Credit up to €15,000 at 30 days acceptable
Liquidity tight (current ratio 1.13 against 1.28 in 2024; short-term debt: 78.9% and cash: 40.3% of total assets), and 78.9% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 32%, liquidity 63%, profitability 38%, growth against the median 15%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 5730 sector peers (2025).
NBB · sector comparisonPosition among 5730 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 19-05-2026, 73 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
73 d early
2024
23 d early
2023
37 d early
2022
26 d early
2021
32 d early
2020
24 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 36 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 29 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · full…
- Weakest financial yearnet €19,094 ▼18%
- Annual accounts filedfiscal year 2024 · full…
Key points
- Caution: Among the weakest 16% on equitysector median €1.6m · 5,672 companies €185,885 View
- Positive: Always filed on timeaccounts within the deadline every year 6 years View
- Positive: 6 profitable years in a rowprofit 2025: €19,094 6 years View
- Caution: Equity fell in 2025from €266,791 to €185,885 ▼ 30.3% View
By topic
Timeline
- Events
- 11
- Since
- 2021
- Next accounts
- by 31-07-2027
- 19-05-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 08-07-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Agents in the wholesale of furniture, household goods…NACE 46150
- Founded
- 26-02-2019
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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