HARMONIE BV

Active

Private limited companyfounded 20242 yrs activeVan Mullemstraat 9, 8370 Blankenberge, BelgiumKBO/BCE: BE 1005.863.175

Summary

The computed 12-month bankruptcy probability of HARMONIE BV is 2.2% (moderate). The 2025 annual accounts show negative equity (-€4,855) and a net result of €2,901. Its solvency ranks better than 9% of 5458 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

HARMONIE BVActiveChecked score 53/100

Risk analysis Report Compare

Activity

General cleaning of buildings

NACE 81210

1 site

Size

€26,720total assets 2025

Equity: -€4,855
Profit: €2,901

Turnover not published (abridged schema)

Financial health

53 Fair Checked score 2025

Bankruptcy chance 12 m: 2.2%

Structure

Accounts filed 31 d late0 of 1 deed read

Why 53- Founded in 2024- Latest accounts 31 days late; 1 of the last 3 late- Negative equity -€4,855+ Liquidity: current ratio 0.54, cash €6,468, halvedShow the evidence

Checked score

Score 2025

53 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 42% of its sector peers (NACE 81, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 7+5

equity -18.2% of total assets

Liquidity 30-20

short-term debt 118.2% · cash 24.2%

Profitability 82+82

return on assets 10.9%

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.9% (7,663 companies)

Last 24 months 03-2025: 2.0% 04-2025: 2.0%▲ +2.6% vs 03-2025 05-2025: 2.0%▲ +2.0% vs 04-2025 06-2025: 2.5%▲ +22.6% vs 05-2025 07-2025: 2.5%▲ +0.4% vs 06-2025 08-2025: 2.8%▲ +11.4% vs 07-2025 09-2025: 3.1%▲ +10.2% vs 08-2025highest value 10-2025: 1.6%▼ -48.2% vs 09-2025 11-2025: 1.6%● 0.0% vs 10-2025 12-2025: 1.6%▼ -0.7% vs 11-2025 01-2026: 1.6%▼ -1.6% vs 12-2025lowest value 02-2026: 1.6%▲ +4.9% vs 01-2026 03-2026: 1.7%▲ +4.3% vs 02-2026 04-2026: 1.8%▲ +2.2% vs 03-2026 05-2026: 1.7%▼ -0.7% vs 04-2026 06-2026: 1.8%▲ +1.1% vs 05-2026 07-2026: 1.8%▲ +4.7% vs 06-2026 08-2026: 2.5%▲ +33.2% vs 07-2026 09-2026: 2.3%▼ -7.7% vs 08-2026 10-2026: 2.2%▼ -1.5% vs 09-2026

Founded in 2024 raises the probability for this profile
Liquidity: current ratio 0.54, cash €6,468, halved lowers the probability
Latest accounts 31 days late; 1 of the last 3 late raises the probability
Negative equity -€4,855 raises the probability

No credit on open account

Liquidity short (current ratio 0.54 against 0.5 in 2024; short-term debt: 118.2% and cash: 24.2% 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 81, micro). Better than this share of them on solvency 8%, liquidity 21%, profitability 63%, growth against the median 76%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. 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.

Credit check for your own amount and term

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Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Founded in 2024

In the bankruptcy model this factor raises the probability for this profile.

KBO

Liquidity: current ratio 0.54, cash €6,468, halved

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts 31 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Negative equity -€4,855

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 5458 sector peers (2025).

NBB · sector comparison

Position among 5458 sector peers

Solvency

better than 9%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 2 filings

Deviation from the deadline

2025

31 d late

2024

29 d late

← 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 30 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% of the sector filed late.

Checked, nothing found (2)

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 months

Position in the running window

06-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

31-08-26 Annual accounts filedfiscal year 2025 · micro…
31-12-25 Back to profitnet €2,901
29-08-25 Annual accounts filedfiscal year 2024 · micro…

Key points

Risk: Negative equityfiscal year 2025: debts exceed assets -€4,855 View
Caution: Among the weakest 9% on solvencysector median 40.7% · 5,458 companies -18.2% View
Total assets 20252 fiscal years filed €26,720 View