HARDY-GENTILI
ActiveThe computed 12-month bankruptcy probability of HARDY-GENTILI is 2.1% (moderate). The 2024 annual accounts show equity of €123k and a net result of €7k. Equity is growing by ~54.7% per year across the filed fiscal years. Its solvency ranks better than 87% of 18942 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability74▲+3
Solvency98▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.99 against 1.79 in 2023; short-term debt: 17.5% and cash: 46% of total assets), and 26.6% 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.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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 20-06-2025, 41 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
39 d early
2022
45 d early
2021
25 d late
2020
4 d early
2019
30 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€0
Total assets
€168k▼ 11.4%
2023 · €189k
2018: €78k
2019: €74k
2020: €67k
2021: €151k
2022: €170k
2023: €189k
2018 → 2024
Net result
€7k▲ 118%
2023 · €3k
2018: €-8k
2019: €2k
2020: €5k
2021: €78k
2022: €16k
2023: €3k
2018 → 2024
Working capital
€58k▲ 44.7%
2023 · €40k
2018: €-7k
2019: €-7k
2020: €-2k
2021: €10k
2022: €30k
2023: €40k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€0
Equity€19k-€97k▲ 415%€113k▲ 16.3%€116k▲ 3.0%€123k▲ 6.3%
Operating result€7k-€103k▲ 1,401%€16k▼ 84.5%€7k▼ 59.3%€13k▲ 94.7%
Net result€5k-€78k▲ 1,497%€16k▼ 79.7%€3k▼ 78.8%€7k▲ 118%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 95% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €168k
Fixed assets
€80k▼ 18.2%
Current assets
€88k▼ 4.1%
Equity and liabilities €168k
Equity
€123k▲ 6.3%
Provisions
€12k▼ 23.4%
Debt
€32k▼ 43.7%
The debt ratio falls from 30.3% to 19.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33k▲
2023 · €26k
Cash flow
€28k▲
2023 · €23k
Solvency
73.4%▲
2023 · 61.2%
Current ratio
2.99▲
2023 · 1.79
Quick ratio
2.79▲
2023 · 1.71
Debt / equity
0.26▼
2023 · 0.50
ROE
5.9%▲
2023 · 2.9%
ROA
4.3%▲
2023 · 1.8%
Interest coverage
10.90▼
2023 · 11.28
Debt
€32k▼
2023 · €57k
Debt ≤ 1 year
€29k▼
2023 · €51k
Debt > 1 year
€3k▼
2023 · €6k
Income taxes
€6k▲
2023 · €5k
Staff costs
€28k▼
2023 · €40k
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€189k€168k▼
Formation expenses20€0€0=
Fixed assets21/28€98k€80k▼
Tangible fixed assets22/27€94k€76k▼
Land and buildings22€57k€52k▼
Furniture and vehicles24€34k€21k▼
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€4k€4k▲
Current assets29/58€91k€88k▼
Stocks and contracts in progress3€4k€6k▲
Stocks30/36€4k€6k▲
Amounts receivable within one year40/41€27k€5k▼
Trade receivables40€17k€3k▼
Other amounts receivable41€10k€1k▼
Cash at bank and in hand54/58€60k€77k▲
Deferred charges and accrued income490/1€309€319▲
Equity and liabilities
Total equity and liabilities10/49€189k€168k▼
Equity10/15€116k€123k▲
Contributions10/11€20k€20k=
Reserves13€64k€49k▼
Tax-exempt reserves132€64k€49k▼
Profit (loss) carried forward14€32k€54k▲
Provisions and deferred taxes16€16k€12k▼
Deferred taxes168€16k€12k▼
Amounts payable17/49€57k€32k▼
Amounts payable after more than one year17€6k€3k▼
Financial debts170/4€6k€3k▼
Amounts payable within one year42/48€51k€29k▼
Current portion of amounts payable after more than one year42€13k€8k▼
Trade debts44€23k€6k▼
Suppliers440/4€23k€6k▼
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€0€597▲
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€13k€14k▲
Income statement
Code20232024
Turnover70-€0
Goods, raw materials, services and sundry goods60/61-€0
Remuneration, social security and pensions62€40k€28k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€21k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€0
Other operating charges640/8€1k€985▼
Gross operating margin9900€68k€63k▼
Operating profit (loss)9901€7k€13k▲
Financial income75/76B€2€26▲
Recurring financial income75€2€26▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€4k€10k▲
Transfer from deferred taxes780€4k€4k▼
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€3k€7k▲
Transfer from tax-exempt reserves789€16k€15k▼
Profit (loss) for the period to be appropriated9905€19k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€54k▲
Profit (loss) brought forward from the previous period14P€13k€32k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €113k ▲16.3%
4 profitable years in a row build equity to €113k.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Highest result since 2018net €78k ▲1497%
Operating result €103k, net result €78k, both a record.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sprimont · 1 establishment unit since 2018
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.
Rue de Sendrogne(LVG) 1284141 SprimontGround area
661 m²
Building footprint
201 m²
Volume, LiDAR
2,048 m³
2 parcels, Wallonia · tallest building 13.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Le grain de sel
since 20182.274.118.577
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62067E0383/00B000 | Wallonia | 382 m² | 1 · 134 m² | 13.0 m · 3 fl. |
| 63452C0340/00L003 | Wallonia | 279 m² | 1 · 67 m² | 11.9 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 sitePepinster2.274.118.577
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 7,546 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2018
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.