The higher the Checked score (0 to 100), the smaller the chance that the company goes bankrupt within twelve months. That chance sets the band, from Critical to Excellent, and within the band how the company does against its sector peers counts too. With a low score, agree a shorter payment term, an advance or security.
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Bankruptcy probability within 12 months
Bankruptcy probability
It is the chance that the company goes bankrupt within twelve months, estimated from the registers, the annual accounts and the Belgian Official Gazette. At 0.2%, about 2 in 1,000 comparable companies go bankrupt. The higher it is, the shorter the payment term to agree.
The company is less than 12 months old. Its public track record is still too short for a reliable bankruptcy probability.
Financial strength
Financial strength
Financial strength measures the balance sheet and the results with three figures out of 100 from the latest annual accounts: solvency, liquidity and profitability. Without a bankruptcy probability, the company's Checked score rests on these figures.
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Credit verdict
Credit verdict
The credit verdict says how much credit you can give the company on open account. “Acceptable” means normal terms, “With conditions” means limiting the amount or the term. “Not advised” means asking for payment up front.
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Credit check for an amount and term of your choice
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1030637866
Incorporation
Founding capital of €1,000, 100 shares · Founder: Hidden nameVisible after signing in · Appointment: Name after signing inVisible after signing in (director) · published on 25-11-2025 · Gazette deed
Sector peers are the companies with the same activity (NACE code) and, where stated, the same size, that the company is compared with. A percentile says how many of them do worse.
These companies have the same main activity as Harmonica: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €31,000 and €38,300, founded between 2025 and 2026.
Harmonica is less than twelve months old. There is no public track record yet to compute a bankruptcy probability from. The 2025 annual accounts show equity of €22,198 and a net result of €21,198.
Its solvency ranks better than 64% of 41,228 sector peers (NACE 70, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
micro format, filed on 26-06-2026, 35 days before the deadline
Abbreviated and micro format
Small companies may file abbreviated or micro-format accounts. They often leave out revenue and other detail. The law allows it, so it is not missing data.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €92,000. Estimated: probably between €56,000 and €130,000.
Balance sheet
balance sheet total €32,117 on 31-12-2025
What the company ownsHow it is paid for
Position in the sector
Sector peers
Sector peers are the companies with the same activity (NACE code) and, where stated, the same size, that the company is compared with. A percentile says how many of them do worse.
The notes to these accounts have 9 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
A company files its annual accounts with the National Bank no later than seven months after its financial year ends. Repeated late filing is a warning sign.
per financial year, computed from the annual accounts
Line
Trend
2025
31,838
23,910
1,130
21,112
69.1%
3.13
0.45
95.5%
66.0%
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired
Investment
Investment is what the company bought in the financial year in buildings, machinery, software and other fixed assets. Above depreciation, it is building up. Years below it, it is living off what it has.
Item
2025
Tangible fixed assets
€1,130
Financial fixed assets
€0
€2,712
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on Harmonica
Debt's share of the balance-sheet total is 30.9%.
Board & ownership
Board
Directors
Many board changes in a short time are a reason to keep a close eye on the company.
Each bar is one period in a role, from appointment to resignation or to today. An open left edge means the mandate began before its first mention. An open right edge means the mandate ended without a stated end date.
1 name, the dashed line is today
2025202620272028
Hidden nameVisible after signing in Director (not named in the articles)
Board
Mandates as a list
Name after signing inVisible after signing in
Director (not named in the articles), from 21-11-2025 to date
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Friday of June at 18:00
Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
No statutory auditor
Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
“Bestuurder(s) in functie als vereffenaar(s) krachtens statuten indien geen andere vereffenaar benoemd, algemene vergadering mag één of…”
Harmonica has no parent and no holdings in its annual accounts. Hidden nameVisible after signing in is the only director. Harmonica shares no director with another company.
The LEI register names no parent.
LEI register
Harmonica declares that natural persons control it, with no company in between that consolidates it.
Annual accounts 2025 filedNBB ↗micro format · 35 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1030637866
IncorporationFounding capital of €1,000, 100 shares · Founder: Name hiddenVisible after signing in · Appointment: Hidden nameVisible after signing in (director) · published on 25-11-20256 points ▸
Founding capital, €1,000, 100 shares
Name after signing inVisible after signing in holds all the shares
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
PurposeThe purpose describes the activities the company may carry out under its articles.
“Het verlenen van professioneel en technisch advies aan ondernemingen,waaronder product-,project- en procesmanagement,strategisch en…”
7 activities
Het verlenen van professioneel en technisch advies aan ondernemingen,waaronder product-,project- en procesmanagement,strategisch en commercieel advies,marktonderzoek,marketing,go-to-market strategie en commerciële planning,training,en ondersteunende activiteiten in innovatie,digitalisatie en bedrijfsoptimalisatie.
De vennootschap kan bovendien alle andere werkzaamheden en rechtshandelingen verrichten die van aard zijn de verwezenlijking van het voorwerp te bevorderen.
De vennootschap kan zowel tot waarborg van eigen verbintenissen als tot waarborg van verbintenissen van derden borg stellen,onder meer door haar eigen goederen in hypotheek of in pand te geven,inclusief de eigen handelszaak.
Het verlenen van diensten en adviezen met betrekking tot het management van ondernemingen,bedrijfsbeheer en -administratie,onderzoek van opportuniteiten en al wat daarmee rechtstreeks of onrechtstreeks verband houdt.
De vennootschap kan eveneens optreden als bestuurder,volmachtdrager,mandataris of vereffenaar in andere vennootschappen of ondernemingen.
De vennootschap kan in het algemeen alle commerciële,industriële,financiële,roerende of onroerende handelingen verrichten in rechtstreeks of onrechtstreeks verband met haar voorwerp of welke van aard zouden zijn de verwezenlijking ervan geheel of ten dele te vergemakkelijken.
Zij mag alle roerende en onroerende goederen als investering verwerven,zelfs als deze noch rechtstreeks noch onrechtstreeks verband houden met het voorwerp van de vennootschap.