HARMONIA
ActiveSummary
HARMONIA has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €96,482 and a net result of €19,492. Its solvency ranks better than 63% of 9086 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability62▼-15
Solvency82▲+10
Growth78
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 1.51 against 1.04 in 2023; short-term debt: 18.5% and cash: 10.6% of total assets), and 43.1% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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
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 04-07-2025, 27 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
27 d early
2023
19 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 23 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€96,482▲ 25.3%
2023 · €76,991
Total assets
€169,699▲ 4.4%
2023 · €162,596
Net result
€19,492▲ 56.0%
2023 · €12,497
Working capital
€16,097▲ 979%
2023 · €1,492
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20232024
Operating result€20,650-€7,718▼ 62.6%
Net result€12,497within the sector's middle half-€19,492within the sector's middle half▲ 56.0%
Equity€76,991below the sector's middle half-€96,482below the sector's middle half▲ 25.3%
Total assets€162,596below the sector's middle half-€169,699below the sector's middle half▲ 4.4%
Debt€85,606-€73,217▼ 14.5%
Working capital€1,492below the sector's middle half-€16,097below the sector's middle half▲ 979%
Solvency47.4%within the sector's middle half-56.9%within the sector's middle half▲ 9.5pp
Current ratio1.04below the sector's middle half-1.51within the sector's middle half▲ 0.47
Return on assets (ROA)7.7%within the sector's middle half-11.5%above the sector's middle half▲ 3.8pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 63% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €169,699
Fixed assets
€122,244 ▼ 1.3%
Current assets
€47,455 ▲ 22.3%
Equity and liabilities €169,699
Equity
€96,482 ▲ 25.3%
Debt
€73,217 ▼ 14.5%
Debt's share of the balance-sheet total falls from 52.6% to 43.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9,280▼
2023 · €21,667
Cash flow
€21,053▲
2023 · €13,514
Debt to equity
0.76▼
2023 · 1.11
ROE
20.2%▲
2023 · 16.2%
Interest coverage
3.44▼
2023 · 5.79
Debt ≤ 1 year
€31,358▼
2023 · €37,299
Debt > 1 year
€34,516▼
2023 · €45,571
Income taxes
€3,130▼
2023 · €4,421
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,017 | €1,561 | ▲ 53.5% |
| Other operating charges640/8 | €666 | €678 | ▲ 1.8% |
| Gross operating margin9900 | €22,333 | €9,958 | ▼ 55.4% |
| Operating profit (loss)9901 | €20,650 | €7,718 | ▼ 62.6% |
| Financial income75/76B | €11 | €17,598 | ▲ 164,519% |
| Recurring financial income75 | €11 | €17,598 | ▲ 164,519% |
| Financial charges65/66B | €3,742 | €2,695 | ▼ 28.0% |
| Recurring financial charges65 | €3,742 | €2,695 | ▼ 28.0% |
| Profit (loss) for the period before taxes9903 | €16,919 | €22,621 | ▲ 33.7% |
| Income taxes67/77 | €4,421 | €3,130 | ▼ 29.2% |
| Profit (loss) for the period9904 | €12,497 | €19,492 | ▲ 56.0% |
| Profit (loss) for the period to be appropriated9905 | €12,497 | €19,492 | ▲ 56.0% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €162,596 | €169,699 | ▲ 4.4% |
| Fixed assets21/28 | €123,805 | €122,244 | ▼ 1.3% |
| Tangible fixed assets22/27 | €6,641 | €5,080 | ▼ 23.5% |
| Plant, machinery and equipment23 | €1,723 | €1,272 | ▼ 26.2% |
| Furniture and vehicles24 | €4,917 | €3,808 | ▼ 22.6% |
| Financial fixed assets28 | €117,164 | €117,164 | = |
| Current assets29/58 | €38,791 | €47,455 | ▲ 22.3% |
| Amounts receivable after more than one year29 | - | €16,910 | - |
| Other amounts receivable291 | - | €16,910 | - |
| Amounts receivable within one year40/41 | €19,812 | €11,767 | ▼ 40.6% |
| Trade receivables40 | €15,890 | €6,050 | ▼ 61.9% |
| Other amounts receivable41 | €3,922 | €5,717 | ▲ 45.8% |
| Cash at bank and in hand54/58 | €18,950 | €17,925 | ▼ 5.4% |
| Deferred charges and accrued income490/1 | €30 | €853 | ▲ 2,774% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €162,596 | €169,699 | ▲ 4.4% |
| Equity10/15 | €76,991 | €96,482 | ▲ 25.3% |
| Contributions10/11 | €17,000 | €17,000 | = |
| Reserves13 | €29,471 | €29,471 | = |
| Distributable reserves133 | €29,471 | €29,471 | = |
| Profit (loss) carried forward14 | €30,520 | €50,011 | ▲ 63.9% |
| Amounts payable17/49 | €85,606 | €73,217 | ▼ 14.5% |
| Amounts payable after more than one year17 | €45,571 | €34,516 | ▼ 24.3% |
| Financial debts170/4 | €45,571 | €34,516 | ▼ 24.3% |
| Amounts payable within one year42/48 | €37,299 | €31,358 | ▼ 15.9% |
| Current portion of amounts payable after more than one year42 | €11,916 | €11,055 | ▼ 7.2% |
| Financial debts43 | €5,000 | €4,182 | ▼ 16.4% |
| Other loans439 | €5,000 | €4,182 | ▼ 16.4% |
| Trade debts44 | €5,169 | €32 | ▼ 99.4% |
| Suppliers440/4 | €5,169 | €32 | ▼ 99.4% |
| Taxes, remuneration and social security45 | €15,137 | €5,750 | ▼ 62.0% |
| Taxes450/3 | €4,018 | €5,750 | ▲ 43.1% |
| Remuneration and social security454/9 | €11,119 | - | - |
| Other amounts payable47/48 | €77 | €10,339 | ▲ 13,334% |
| Accrued charges and deferred income492/3 | €2,735 | €7,342 | ▲ 168% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €12,497 | €19,492 | ▲ 56.0% |
| + Depreciation and write-downs630 | €1,017 | €1,561 | ▲ 53.5% |
| Operating cash flow (approximation) | €13,514 | €21,053 | ▲ 55.8% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | -€1,024 | - |
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
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
NBB filing
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, Gent · 1 establishment unit since 2014
Ground area
6,460 m²
Building footprint
3,028 m²
Volume, LiDAR
21,044 m³
2 parcels, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
103
companies at this address
See who is registered here
1 establishment unit
HARMONIA
since 20142.236.392.012
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44048G0450/00T002 | Flanders | 3,366 m² | 1 · 693 m² | 7.4 m · 2 fl. |
| 44362B0014/00G002 | Flanders | 3,095 m² | 1 · 2,335 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2024 list no shareholders, and no other source names one.
Holdings 1
-
89%
According to the 2024 annual accounts of HARMONIA and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 409 companies in sector 46110 we hold annual accounts for 172. 126 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
Founded20-10-2014
Fiscal year end31-12
Activities, NACEBEL 2025
46110Wholesale trade
Contact
E-mail
stefanie@gezondbestrijden.beNazareth-De Pinte
E-invoicing
Reachable via Peppol
Peppol ID
0208:0566964901
Also
9925:BE0566964901
Registered
30-10-2023
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.