HARJI
ActiveHARJI has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €52k and a net result of €18k. Equity is growing by ~26.3% per year across the filed fiscal years. Its solvency ranks better than 12% of 9040 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability60▲+22
Solvency31▼-12
Growth35=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity tight (current ratio 1.06 against 1.29 in 2023; short-term debt: 92.4% and cash: 0.7% of total assets), and 94% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
6%
Return on assets
2.1%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 9040 sector peers (2024).
NBB · sector comparisonPosition among 9040 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-09-2025, 48 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
48 d late
2023
89 d late
2022
137 d late
2021
9 d late
2020
39 d early
2019
21 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Turnover
€218k▼ 29.0%
2022 · €308k
2018: €787k
2019: €859k
2020: €714k
2021: €746k
2022: €308k
2018 → 2023
EBIT margin
2.1%▼ 0.9pp
2022 · 3.0%
2018: 3.9%
2019: 2.6%
2020: 0.0%
2021: 1.8%
2022: 3.0%
2018 → 2023
Net result
€18k▲ 1,070%
2023 · €2k
2018: €28k
2019: €20k
2020: €-3k
2021: €8k
2022: €5k
2023: €2k
2018 → 2024
Working capital
€49k▲ 23.0%
2023 · €40k
2018: €108k
2019: €40k
2020: €43k
2021: €55k
2022: €75k
2023: €40k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€714k-€746k▲ 4.5%€308k▼ 58.8%€218k▼ 29.0%
Equity€19k-€28k▲ 43.2%€32k▲ 17.0%€34k▲ 4.7%€52k▲ 52.5%
Operating result€-74-€14k€9k▼ 32.2%€5k▼ 49.7%€31k▲ 559%
Net result€-3k-€8k€5k▼ 43.5%€2k▼ 67.7%€18k▲ 1,070%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 559% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €860k
Fixed assets
€17k▲ 110%
Current assets
€844k▲ 377%
Equity and liabilities €860k
Equity
€52k▲ 52.5%
Debt
€809k▲ 436%
The debt ratio rises from 81.6% to 94.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€31k▲
2023 · €8k
Cash flow
€18k▲
2023 · €5k
Solvency
6.0%▼
2023 · 18.4%
Current ratio
1.06▼
2023 · 1.29
Quick ratio
0.79▲
2023 · 0.08
Debt / equity
15.60▲
2023 · 4.44
ROE
34.4%▲
2023 · 4.5%
ROA
2.1%▲
2023 · 0.8%
Interest coverage
4.61▲
2023 · 2.44
Debt
€809k▲
2023 · €151k
Debt ≤ 1 year
€795k▲
2023 · €137k
Debt > 1 year
€14k=
2023 · €14k
Income taxes
€6k
Staff costs
€3k▼
2023 · €49k
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€185k€860k▲
Fixed assets21/28€8k€17k▲
Tangible fixed assets22/27-€9k
Plant, machinery and equipment23-€9k
Financial fixed assets28€8k€8k=
Current assets29/58€177k€844k▲
Stocks and contracts in progress3€166k€214k▲
Stocks30/36€166k€214k▲
Amounts receivable within one year40/41€8k€624k▲
Trade receivables40€5k€613k▲
Other amounts receivable41€3k€11k▲
Cash at bank and in hand54/58€3k€6k▲
Equity and liabilities
Total equity and liabilities10/49€185k€860k▲
Equity10/15€34k€52k▲
Contributions10/11€19k€19k=
Capital10€19k-
Issued capital100€19k-
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Legal reserve130€1k-
Reserves not available under the articles1311-€0
Other1319-€1k
Profit (loss) carried forward14€14k€32k▲
Amounts payable17/49€151k€809k▲
Amounts payable after more than one year17€14k€14k=
Other amounts payable178/9€14k€14k=
Amounts payable within one year42/48€137k€795k▲
Financial debts43€20k€20k▼
Credit institutions430/8€20k€20k▼
Trade debts44€86k€728k▲
Suppliers440/4€86k€728k▲
Taxes, remuneration and social security45€11k€26k▲
Taxes450/3€3k€11k▲
Remuneration and social security454/9€7k€16k▲
Other amounts payable47/48€20k€21k▲
Income statement
Code20232024
Turnover70€218k-
Goods, raw materials, services and sundry goods60/61€160k-
Remuneration, social security and pensions62€49k€3k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€630▼
Other operating charges640/8€1k€6k▲
Gross operating margin9900€58k€41k▼
Operating profit (loss)9901€5k€31k▲
Financial income75/76B-€2
Recurring financial income75-€2
Financial charges65/66B€3k€7k▲
Recurring financial charges65€3k€7k▲
Profit (loss) for the period before taxes9903€2k€24k▲
Income taxes67/77-€6k
Profit (loss) for the period9904€2k€18k▲
Profit (loss) for the period to be appropriated9905€2k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€32k▲
Profit (loss) brought forward from the previous period14P€12k€14k▲
Social balance
Average headcount (FTE)9087-0.1
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
17-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 48 days late
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 89 days late
2023
15-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 137 days late
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-3k ▼113%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 21 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
2016
19-01
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 172 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
17 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, Anderlecht · 2 establishment units since 2011
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.
Henri Deleersstraat 441070 AnderlechtGround area
323 m²
Building footprint
191 m²
Volume, LiDAR
1,430 m³
2 parcels, Brussels, Wallonia · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
HARJI
since 20112.199.705.721
HARJI
since 20242.364.160.412
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21306D0342/00K000 | Brussels | 229 m² | 1 · 151 m² | 10.5 m · 3 fl. |
| 25742H0305/00_000 | Wallonia | 94 m² | 1 · 40 m² | - |
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 siteAnderlecht2.364.160.412
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Of 1,582 companies in sector 46349 we hold annual accounts for 987. 612 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-02-2003
Fiscal year end31-12
Activities, NACEBEL
46349Wholesale of beverages, general range
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
52112
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.