HARLEY ET DAVID
ActiveThe computed 12-month bankruptcy probability of HARLEY ET DAVID is 2.7% (moderate). The 2025 annual accounts show equity of €16k and a net result of €10k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 15% of 7452 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-2
Solvency31▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.62 against 0.41 in 2024; short-term debt: 91% and cash: 22.7% of total assets), and 94.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
5.9%
Return on assets
3.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 7452 sector peers (2025).
NBB · sector comparisonPosition among 7452 sector peers
Solvency
better than 15%
← weakest
strongest →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
14 d late
2022
19 d late
2021
15 d late
2020
30 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▲ 65.1%
2024 · €10k
2020: €8k
2021: €9k
2022: €11k
2023: €3k
2024: €10k
2020 → 2025
Total assets
€276k▲ 23.5%
2024 · €223k
2020: €92k
2021: €136k
2022: €153k
2023: €213k
2024: €223k
2020 → 2025
Net result
€10k▼ 4.6%
2024 · €10k
2020: €5k
2021: €4k
2022: €5k
2023: €-8k
2024: €10k
2020 → 2025
Working capital
€-96k▲ 17.6%
2024 · €-117k
2020: €-49k
2021: €-57k
2022: €-61k
2023: €-138k
2024: €-117k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9k-€11k▲ 12.1%€3k▼ 72.8%€10k▲ 244%€16k▲ 65.1%
Operating result€4k-€7k▲ 55.1%€-7k€14k€16k▲ 8.3%
Net result€4k-€5k▲ 41.4%€-8k€10k€10k▼ 4.6%
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 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €276k
Fixed assets
€121k▼ 13.9%
Current assets
€155k▲ 87.5%
Equity and liabilities €276k
Equity
€16k▲ 65.1%
Debt
€260k▲ 21.6%
The debt ratio falls from 95.6% to 94.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€35k▼
2024 · €38k
Cash flow
€29k▼
2024 · €34k
Solvency
5.9%▲
2024 · 4.4%
Current ratio
0.62▲
2024 · 0.41
Quick ratio
0.59▲
2024 · 0.33
Debt / equity
16.00▼
2024 · 21.71
ROE
60.6%▼
2024 · 104.8%
ROA
3.6%▼
2024 · 4.6%
Interest coverage
14.33▲
2024 · 13.73
Debt
€260k▲
2024 · €213k
Debt ≤ 1 year
€251k▲
2024 · €200k
Debt > 1 year
€8k▼
2024 · €14k
Income taxes
€3k▲
2024 · €1k
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€223k€276k▲
Fixed assets21/28€141k€121k▼
Tangible fixed assets22/27€141k€121k▼
Land and buildings22€112k€106k▼
Plant, machinery and equipment23€16k€15k▼
Furniture and vehicles24€4k-
Leasing and similar rights25€10k-
Current assets29/58€83k€155k▲
Stocks and contracts in progress3€17k€7k▼
Stocks30/36€17k€7k▼
Amounts receivable within one year40/41€33k€82k▲
Trade receivables40€32k€80k▲
Other amounts receivable41€968€2k▲
Cash at bank and in hand54/58€30k€63k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€223k€276k▲
Equity10/15€10k€16k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€7k€13k▲
Amounts payable17/49€213k€260k▲
Amounts payable after more than one year17€14k€8k▼
Financial debts170/4€14k€8k▼
Amounts payable within one year42/48€200k€251k▲
Current portion of amounts payable after more than one year42€11k€5k▼
Trade debts44€7k€10k▲
Suppliers440/4€7k€10k▲
Advances received on contracts in progress46€1k€65k▲
Taxes, remuneration and social security45€6k€3k▼
Taxes450/3€6k€3k▼
Remuneration and social security454/9€158€158=
Other amounts payable47/48€174k€167k▼
Income statement
Code20242025
Non-recurring operating income76A-€3k
Remuneration, social security and pensions62€4k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€19k▼
Other operating charges640/8€884€629▼
Gross operating margin9900€43k€36k▼
Operating profit (loss)9901€14k€16k▲
Financial income75/76B€26-
Recurring financial income75€26-
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€12k€13k▲
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€10k€10k▼
Profit (loss) for the period to be appropriated9905€10k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€17k▲
Profit (loss) brought forward from the previous period14P€-142€7k▲
Profit to be distributed694/7€3k€3k▲
Return on contributions (dividend)694€3k€3k▲
The notes to these accounts (7 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-12
Financial
Weakest financial yearnet €-8k ▼251%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 19 days late
2022
15-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 15 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 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, Péruwelz · 2 establishment units since 2020
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 d' Audregnies(WIE) 87608 PéruwelzGround area
2,412 m²
Building footprint
188 m²
Volume, LiDAR
1,325 m³
2 parcels, Wallonia · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
HARLEY ET DAVID
since 20202.297.574.365
HARLEY ET DAVID
since 20212.320.304.633
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57090A1052/00N000 | Wallonia | 1,785 m² | 1 · 102 m² | 10.0 m · 3 fl. |
| 57090A0809/00T000 | Wallonia | 627 m² | 1 · 87 m² | 7.4 m · 2 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.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 10,949 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.