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HARD&CO

Active
Private limited companyfounded 20197 yrs activeChaussée Romaine (War) 248, 4300 Waremme, BelgiumKBO/BCE: BE 0721.547.861
Summary

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 5451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

Risk analysisWatch ReportCompare
HARD&COActiveChecked score 53/100
Risk analysis ReportCompare

Overview

What they do
Agents in the wholesale of furniture, household goods and hardware
NACE 46150Retail sale of household furniture NACE 47551NACE 47591
1 site
How big
€882,390total assets 2025
Staff
4 FTE
Equity
€185,885
Profit
€19,094
Financially healthy?
53 Fair Checked score 2025
Bankruptcy chance 12 m
1.3%
Who decides
Accounts 73 d early0 of 2 deeds read
Why 53- Limited track record- Higher-failure-rate sector- Higher-failure-rate region- Weak solvency vs sector+ Annual accounts: healthy financial profileLatest accounts filed on timeShow the evidence

Checked score

Score 2025
53 / 100
Fair
Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability49▼-23
Solvency46▼-7
Growth52=
Track record100
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 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.
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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 7 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
21.1%
Return on assets
2.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 5451 sector peers (2025).
NBB · sector comparison
Position among 5451 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 filings
Deviation 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 months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. Weakest financial yearnet €19,094 ▼18%
  3. Annual accounts filedfiscal year 2024 · full…

Key points

  • Caution: Among the weakest 16% on equitysector median €1.6m · 5,395 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

Financials

Fiscal year
2025
Total assets
€882,390
Profit
€19,094
Solvency
21.1%
Total assets▼ 6.8%
Net result
20202025
Go to Financials

Timeline

Events
11
Since
2021
Next accounts
by 31-07-2027
  1. 19-05-2026Annual accounts filed
  2. 31-12-2025Weakest financial year
  3. 08-07-2025Annual accounts filed
Go to Timeline

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
Go to Company details

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