Financials
- Fiscal year
- 2025
- Total assets
- €59,243
- Loss
- -€33,027
- Solvency
- -1370.5%
Total assets▼ 22.3%
Net result
20182025
HARMONIE 2
ActiveThe file of HARMONIE 2 contains 1 judicial reorganisation, as published in the Belgian State Gazette.
Summary
The computed 12-month bankruptcy probability is 4.0% (elevated). The 2025 annual accounts show negative equity (-€811,909) and a net result of -€33,027. Equity is shrinking by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 1239 sector peers (fiscal year 2025).
Overview
Activity
Hairdressing and barber services
NACE 96210Hairdressing NACE 96021
1 site
Size
€59,243total assets 2025
- Staff
- 16.5 FTE
- Equity
- -€811,909
- Loss
- -€33,027
Structure
Accounts filed 20 d late0 of 6 deeds read
Why 47- Judicial reorganisation on record (1 publication, latest 16-05-2018)- Negative equity -€811,909- Loss of €33,027 (FY 2025)+ Size: total assets €59,243Show the evidence
Checked score
Score 2025
47
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 18% of its sector peers (NACE 96, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
0=
equity -1370.5% of total assets
Liquidity
24-3
short-term debt 1442.3% · cash 19.4%
Profitability
0-86
return on assets -55.7%
Bankruptcy probability, 12 months
4.0%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 2.8%
12-2024: 2.8%● 0.0% vs 11-2024
01-2025: 2.8%▼ -1.1% vs 12-2024
02-2025: 2.8%● 0.0% vs 01-2025
03-2025: 2.7%▼ -3.7% vs 02-2025
04-2025: 2.7%● 0.0% vs 03-2025
05-2025: 2.6%▼ -2.9% vs 04-2025
06-2025: 2.6%▼ -2.3% vs 05-2025
07-2025: 2.7%▲ +5.3% vs 06-2025
08-2025: 3.6%▲ +32.7% vs 07-2025
09-2025: 2.3%▼ -34.6% vs 08-2025
10-2025: 2.3%● 0.0% vs 09-2025
11-2025: 2.3%● 0.0% vs 10-2025
12-2025: 2.3%● 0.0% vs 11-2025
01-2026: 2.3%▼ -0.3% vs 12-2025
02-2026: 2.3%● 0.0% vs 01-2026
03-2026: 2.3%▼ -3.0% vs 02-2026
04-2026: 2.3%▲ +0.2% vs 03-2026
05-2026: 2.2%▼ -1.5% vs 04-2026
06-2026: 2.2%▼ -3.2% vs 05-2026lowest value
07-2026: 2.2%▲ +0.4% vs 06-2026
08-2026: 3.2%▲ +45.3% vs 07-2026
09-2026: 4.0%▲ +26.6% vs 08-2026highest value
10-2026: 4.0%● 0.0% vs 09-2026highest value
- Judicial reorganisation on record (1 publication, latest 16-05-2018) raises the probability
- Size: total assets €59,243 lowers the probability for this profile
- Negative equity -€811,909 raises the probability
- Loss of €33,027 (FY 2025) raises the probability
No credit on open account
Liquidity short (current ratio 0.06 against 0.08 in 2024; cash: 19.4% of total assets), and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 96, micro). Better than this share of them on solvency 11%, liquidity 19%, profitability 8%, growth against the median 34%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€811,909
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
14 d late
2023
27 d late
2022
32 d late
2021
396 d late
2020
135 d late
2019
104 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 104 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 28 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Key points
By topic
Timeline
- Events
- 13
- Since
- 2017
- Next accounts
- by 31-07-2027
- 20-08-2026Annual accounts filed
- 14-08-2025Annual accounts filed
- 27-08-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Hairdressing and barber servicesNACE 96210
- Founded
- 20-12-2012
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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