HAREMZA
ActiveHAREMZA has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €18k. Equity is growing by ~13.8% per year across the filed fiscal years. Its solvency ranks better than 35% of 16527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+51
Solvency70▼-5
Growth60▲+14
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 4.89 against 1.52 in 2024; short-term debt: 11.2% and cash: 28.1% of total assets), but 55.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
44.8%
Return on assets
16.5%
Age of the figures
9 mo
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 25-07-2026, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
6 d early
2024
1 d early
2023
40 d early
2022
32 d early
2021
44 d early
2020
33 d early
2019
16 d early
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€277k▲ 7.2%
2022 · €258k
2018: €317k
2019: €257k
2020: €313k
2021: €304k
2022: €258k
2018 → 2023
EBIT margin
3.6%▼ 4.0pp
2022 · 7.6%
2018: -5.8%
2019: -2.7%
2020: 9.4%
2021: 9.6%
2022: 7.6%
2018 → 2023
Net result
€18k
2024 · €-5k
2018: €-12k
2019: €-19k
2020: €19k
2021: €16k
2022: €6k
2023: €9k
2024: €-5k
2018 → 2025
Working capital
€46k▲ 192%
2024 · €16k
2018: €35k
2019: €13k
2020: €15k
2021: €10k
2022: €12k
2023: €18k
2024: €16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€304k-€258k▼ 15.3%€277k▲ 7.2%
Equity€20k-€26k▲ 28.6%€35k▲ 33.2%€30k▼ 13.8%€47k▲ 58.4%
Operating result€29k-€20k▼ 33.5%€10k▼ 49.3%€-2k€28k
Net result€16k-€6k▼ 64.4%€9k▲ 49.0%€-5k€18k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €28k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106k
Fixed assets
€48k▲ 239%
Current assets
€58k▲ 25.5%
Equity and liabilities €106k
Equity
€47k▲ 58.4%
Debt
€59k▲ 92.0%
The debt ratio rises from 50.4% to 55.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€37k▲
2024 · €8k
Cash flow
€26k▲
2024 · €6k
Solvency
44.8%▼
2024 · 49.6%
Current ratio
4.89▲
2024 · 1.52
Quick ratio
4.89▲
2024 · 1.52
Debt / equity
1.23▲
2024 · 1.02
ROE
36.9%▲
2024 · -16.0%
ROA
16.5%▲
2024 · -7.9%
Interest coverage
22.63▲
2024 · 3.50
Debt
€59k▲
2024 · €31k
Debt ≤ 1 year
€12k▼
2024 · €31k
Debt > 1 year
€47k
Income taxes
€9k▲
2024 · €144
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€60k€106k▲
Formation expenses20€0€0=
Fixed assets21/28€14k€48k▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€14k€48k▲
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€14k€48k▲
Current assets29/58€46k€58k▲
Amounts receivable within one year40/41€28k€22k▼
Trade receivables40€25k€19k▼
Other amounts receivable41€3k€3k=
Cash at bank and in hand54/58€19k€30k▲
Deferred charges and accrued income490/1-€7k
Equity and liabilities
Total equity and liabilities10/49€60k€106k▲
Equity10/15€30k€47k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€22k€39k▲
Amounts payable17/49€31k€59k▲
Amounts payable after more than one year17-€47k
Financial debts170/4-€47k
Amounts payable within one year42/48€31k€12k▼
Current portion of amounts payable after more than one year42€8k-
Trade debts44€19k€4k▼
Suppliers440/4€19k€4k▼
Taxes, remuneration and social security45€3k€7k▲
Taxes450/3€3k€7k▲
Other amounts payable47/48€1k€970▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€9k▼
Other operating charges640/8€166-
Gross operating margin9900€8k€37k▲
Operating profit (loss)9901€-2k€28k▲
Financial income75/76B€67€86▲
Recurring financial income75€67€86▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-5k€27k▲
Income taxes67/77€144€9k▲
Profit (loss) for the period9904€-5k€18k▲
Profit (loss) for the period to be appropriated9905€-5k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€39k▲
Profit (loss) brought forward from the previous period14P€27k€22k▼
The notes to these accounts (8 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
25-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 4.89
Current ratio from 1.52 to 4.89; short-term debt falls from €31k to €12k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €19k
Net result €19k after 2 loss-making years.
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Saint-Ghislain · 1 establishment unit since 2010
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 Boussu(H) 2447334 Saint-GhislainGround area
956 m²
Building footprint
136 m²
Volume, LiDAR
1,054 m³
Parcel 53036B0835/00K000, Wallonia · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
sprl Haremza
since 20102.185.107.914
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53036B0835/00K000 | Wallonia | 956 m² | 1 · 136 m² | 10.0 m · 3 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.
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Of 5,983 companies in sector 86940 we hold annual accounts for 1,808. 1,584 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded09-02-2010
Fiscal year end31-12
Activities, NACEBEL
86906Human health activities
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.