Summary
HAREMA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €513,060 and a net result of €497,532. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 95% of 124 sector peers (fiscal year 2026). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2024 and did not fall compared with 2025. These amounts do not establish the cause of the change.
NBB · annual accounts 2026Equity per financial year
1920212223242526
2019 to 2026 · latest year €513,060
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 26-08-2026, 158 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
158 d early
2025
94 d early
2024
86 d early
2023
135 d early
2022
17 d early
2021
138 d early
2020
158 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 112 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today.
Companies Code · seven monthsPosition in the running window
26-09-2026 today30-06-2027 close31-01-2028 deadline
History
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Financials · fiscal year 2026, micro schema
Equity
€513,060▲ 2,023%
2025 · €24,164
Net result
€497,532▲ 2,781%
2025 · €17,270
Total assets
€513,060▲ 1,188%
2025 · €39,820
Solvency
100.0%▲ 39.3pp
2025 · 60.7%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20222023202420252026
Operating result€80,940▼ 14.8%€31,976▼ 60.5%€23,621▼ 26.1%€24,843▲ 5.2%€733,237▲ 2,852%
Net result€62,103▼ 15.6%€25,043▼ 59.7%€15,215▼ 39.2%€17,270▲ 13.5%€497,532▲ 2,781%
Equity€27,163▼ 5.6%€27,205▲ 0.2%€27,100▼ 0.4%€24,164▼ 10.8%€513,060▲ 2,023%
Total assets€146,239▼ 14.0%€113,088▼ 22.7%€106,622▼ 5.7%€39,820▼ 62.7%€513,060▲ 1,188%
Debt€119,076▼ 15.7%€85,883▼ 27.9%€79,522▼ 7.4%€15,656▼ 80.3%
Working capital€16,430▼ 26.0%€20,234▲ 23.2%€19,655▼ 2.9%€23,052▲ 17.3%
Solvency18.6%▲ 1.7pp24.1%▲ 5.5pp25.4%▲ 1.4pp60.7%▲ 35.3pp100.0%▲ 39.3pp
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2024 the operating result has climbed two years in a row; 2026 is 2,852% above 2025 and is the highest result in the available series.
Key figures and ratios
ROE
97.0%▲
2025 · 71.5%
ROA
97.0%▲
2025 · 43.4%
Income taxes
€235,658▲
2025 · €7,599
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €18,092 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15,255 | €11,091 | €7,251 | €6,333 | - | - |
| Other operating charges640/8 | €1,854 | €495 | €1,161 | €1,205 | €961 | ▼ 20.2% |
| Gross operating margin9900 | €98,049 | €43,562 | €32,033 | €32,381 | €734,198 | ▲ 2,167% |
| Operating profit (loss)9901 | €80,940 | €31,976 | €23,621 | €24,843 | €733,237 | ▲ 2,852% |
| Financial income75/76B | €0 | - | €48 | €267 | €103 | ▼ 61.2% |
| Recurring financial income75 | €0 | - | €48 | €267 | €32 | ▼ 88.1% |
| Non-recurring financial income76B | - | - | - | - | €72 | - |
| Financial charges65/66B | €1,174 | €640 | €368 | €240 | €150 | ▼ 37.5% |
| Recurring financial charges65 | €1,174 | €640 | €368 | €240 | €150 | ▼ 37.5% |
| Profit (loss) for the period before taxes9903 | €79,766 | €31,336 | €23,302 | €24,869 | €733,191 | ▲ 2,848% |
| Income taxes67/77 | €17,663 | €6,293 | €8,086 | €7,599 | €235,658 | ▲ 3,001% |
| Profit (loss) for the period9904 | €62,103 | €25,043 | €15,215 | €17,270 | €497,532 | ▲ 2,781% |
| Transfer from tax-exempt reserves789 | - | - | - | - | €8,500 | - |
| Profit (loss) for the period to be appropriated9905 | €62,103 | €25,043 | €15,215 | €17,270 | €506,032 | ▲ 2,830% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €146,239 | €113,088 | €106,622 | €39,820 | €513,060 | ▲ 1,188% |
| Fixed assets21/28 | €28,632 | €18,863 | €11,612 | €5,278 | - | - |
| Tangible fixed assets22/27 | €28,632 | €18,863 | €11,612 | €5,278 | - | - |
| Plant, machinery and equipment23 | €27,593 | €18,057 | €11,040 | €4,940 | - | - |
| Furniture and vehicles24 | €1,039 | €806 | €572 | €338 | - | - |
| Current assets29/58 | €117,606 | €94,225 | €95,010 | €34,542 | €513,060 | ▲ 1,385% |
| Amounts receivable within one year40/41 | €29,094 | €8,047 | €2,924 | €700 | €9,296 | ▲ 1,228% |
| Trade receivables40 | €22,094 | - | - | - | - | - |
| Other amounts receivable41 | €7,000 | €8,047 | €2,924 | €700 | €9,296 | ▲ 1,228% |
| Cash at bank and in hand54/58 | €88,512 | €86,179 | €92,086 | €33,842 | €503,764 | ▲ 1,389% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €146,239 | €113,088 | €106,622 | €39,820 | €513,060 | ▲ 1,188% |
| Equity10/15 | €27,163 | €27,205 | €27,100 | €24,164 | €513,060 | ▲ 2,023% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €60 | €60 | = |
| Reserves13 | €8,500 | €8,500 | €8,500 | €15,500 | €513,000 | ▲ 3,210% |
| Tax-exempt reserves132 | €8,500 | €8,500 | €8,500 | €8,500 | - | - |
| Distributable reserves133 | - | - | - | €7,000 | €513,000 | ▲ 7,229% |
| Profit (loss) carried forward14 | €63 | €105 | - | €8,604 | - | - |
| Amounts payable17/49 | €119,076 | €85,883 | €79,522 | €15,656 | - | - |
| Amounts payable after more than one year17 | €17,899 | €7,725 | - | - | - | - |
| Financial debts170/4 | €17,899 | €7,725 | - | - | - | - |
| Amounts payable within one year42/48 | €101,177 | €73,991 | €75,355 | €11,490 | - | - |
| Current portion of amounts payable after more than one year42 | €10,033 | €10,174 | €7,725 | - | - | - |
| Trade debts44 | €4,466 | €1,377 | €2,499 | €2,215 | - | - |
| Suppliers440/4 | €4,466 | €1,377 | €2,499 | €2,215 | - | - |
| Taxes, remuneration and social security45 | €19,770 | €113 | - | €1,568 | - | - |
| Taxes450/3 | €19,770 | €113 | - | €1,568 | - | - |
| Other amounts payable47/48 | €66,908 | €62,327 | €65,132 | €7,706 | - | - |
| Accrued charges and deferred income492/3 | - | €4,167 | €4,167 | €4,167 | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €62,103 | €25,043 | €15,215 | €17,270 | €497,532 | ▲ 2,781% |
| + Depreciation and write-downs630 | €15,255 | €11,091 | €7,251 | €6,333 | - | - |
| Operating cash flow (approximation) | €77,358 | €36,134 | €22,466 | €23,603 | €497,532 | ▲ 2,008% |
| Investment in fixed assets (approximation) | - | -€1,321 | €0 | €0 | - | - |
| Change in cash | - | -€2,333 | €5,908 | -€58,245 | €469,922 | ▲ 907% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2027, expected by
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
30-06
Financial
Highest result since 2019net €497,532 ▲2,781%
Operating result €733,237, net result €497,532, both a record.
30-06
Financial
Equity above €500,000Eq €513,060 ▲2,023%
8 profitable years in a row build equity to €513,060.
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Liquidity doublescurrent ratio 3.01
Current ratio from 1.26 to 3.01; short-term debt falls from €75,355 to €11,490.
2024
06-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Weakest financial yearnet €15,215 ▼39.2%
Net result drops to €15,215, the lowest in the series; recovery starts the following year.
2023
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
14-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
15-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Wevelgem · 1 establishment unit since 2016
Ground area
1,583 m²
Building footprint
206 m²
Volume, LiDAR
36 m³
Parcel 34012C0382/00E003, Flanders · tallest building 3.0 m. Linked by address, not a title deed.
1 establishment unit
HAREMA
since 20162.258.443.971
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34012C0382/00E003 | Flanders | 1,583 m² | 1 · 206 m² | 3.0 m |
Linked by address, not proof of ownership
Good to know
1 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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Of 24,729 companies in sector 64210 we hold annual accounts for 19,771. 13,606 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-11-2016
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.