HARDY.DIGITAL
ActiveSummary
HARDY.DIGITAL has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €82k and a net result of €61k. Equity is shrinking by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 79% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+54
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 5.37 against 1.21 in 2024; short-term debt: 17.8% and cash: 54.6% of total assets), and 17.8% of the assets are financed with debt.
Credit check 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 →
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
82.2%
Return on assets
61.6%
Age of the figures
9 mo
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 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
7 d early
2024
32 d early
2023
3 d early
2022
56 d early
2021
53 d early
2020
43 d early
2019
34 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€82k▲ 299%
2024 · €20k
2019: €95k
2020: €141k
2021: €20k
2022: €57k
2023: €89k
2024: €20k
2019 → 2025
Total assets
€99k▲ 0.3%
2024 · €99k
2019: €119k
2020: €178k
2021: €237k
2022: €81k
2023: €122k
2024: €99k
2019 → 2025
Net result
€61k▲ 5.0%
2024 · €58k
2019: €77k
2020: €46k
2021: €57k
2022: €37k
2023: €32k
2024: €58k
2019 → 2025
Working capital
€77k▲ 358%
2024 · €17k
2019: €92k
2020: €139k
2021: €17k
2022: €55k
2023: €87k
2024: €17k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€57k▲ 178%€89k▲ 56.3%€20k▼ 77.0%€82k▲ 299%
Operating result€73k-€45k▼ 37.8%€41k▼ 10.2%€74k▲ 81.9%€77k▲ 4.1%
Net result€57k-€37k▼ 36.4%€32k▼ 12.2%€58k▲ 82.0%€61k▲ 5.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 4% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €99k
Fixed assets
€4k ▲ 20.7%
Current assets
€95k ▼ 0.5%
Equity and liabilities €99k
Equity
€82k ▲ 299%
Debt
€18k ▼ 77.5%
Debt's share of the balance-sheet total falls from 79.4% to 17.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€78k▲
2024 · €75k
Cash flow
€62k▲
2024 · €60k
Current ratio
5.37▲
2024 · 1.21
Debt to equity
0.22▼
2024 · 3.85
ROE
75.0%▼
2024 · 285.2%
ROA
61.6%▲
2024 · 58.9%
Interest coverage
330.50▼
2024 · 729.24
Debt ≤ 1 year
€18k▼
2024 · €79k
Income taxes
€16k▼
2024 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€99k€99k▲
Fixed assets21/28€4k€4k▲
Tangible fixed assets22/27€3k€3k▲
Furniture and vehicles24€3k€3k▲
Financial fixed assets28€900€1k▲
Current assets29/58€96k€95k▼
Amounts receivable within one year40/41€29k€21k▼
Trade receivables40€29k€20k▼
Other amounts receivable41€388€434▲
Current investments50/53€20k€20k=
Cash at bank and in hand54/58€46k€54k▲
Deferred charges and accrued income490/1€450€450▲
Equity and liabilities
Total equity and liabilities10/49€99k€99k▲
Equity10/15€20k€82k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€0€61k▲
Amounts payable17/49€79k€18k▼
Amounts payable within one year42/48€79k€18k▼
Trade debts44€1k€919▼
Suppliers440/4€1k€919▼
Taxes, remuneration and social security45€17k€15k▼
Taxes450/3€17k€15k▼
Other amounts payable47/48€60k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€370€400▲
Gross operating margin9900€76k€79k▲
Operating profit (loss)9901€74k€77k▲
Financial income75/76B€0€6▲
Recurring financial income75€0€6▲
Financial charges65/66B€103€237▲
Recurring financial charges65€103€237▲
Profit (loss) for the period before taxes9903€74k€77k▲
Income taxes67/77€16k€16k▼
Profit (loss) for the period9904€58k€61k▲
Profit (loss) for the period to be appropriated9905€58k€61k▲
Appropriation of the result
Profit (loss) to be appropriated9906€127k€61k▼
Profit (loss) brought forward from the previous period14P€69k€0▼
Profit to be distributed694/7€127k€0▼
Return on contributions (dividend)694€127k€0▼
The notes to these accounts (14 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity quadruplescurrent ratio 5.37
Current ratio from 1.21 to 5.37; short-term debt falls from €79k to €18k.
29-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €32k ▼12.2%
Net result drops to €32k, the lowest in the series; recovery starts the following year.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 3.27
Current ratio from 1.08 to 3.27; short-term debt falls from €217k to €24k.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €141k ▲47.9%
2 profitable years in a row build equity to €141k.
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Brussel · 1 establishment unit since 2018
Ground area
78 m²
Building footprint
78 m²
Volume, LiDAR
1,195 m³
Parcel 21806F0233/00K000, Brussels · tallest building 19.6 m, ±6 floors. Linked by address, not a title deed.
64
companies at this address
See who is registered here
1 establishment unit
Karel Martelstraat 8, 1000 Brussel
since 20182.275.242.193
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21806F0233/00K000 | Brussels | 78 m² | 1 · 78 m² | 19.6 m · 6 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
254900TRCP912JHPP513
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 40,189 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-04-2018
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.