HARMONIFY
ActiveSummary
HARMONIFY has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12,373 and a net result of €10,873. Its solvency ranks better than 34% of 3,369 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
- Equity
- €12,373
- Profit
- €10,873
Why 93raises riskFounded in 2025lowers riskSector: Computer programming, consultancy and related activities (NACE 62)Liquidity: current ratio 0.76, cash €18,103Size: total assets €44,263Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro): better than 27% on solvency, 44% on liquidity and 64% on profitability.
The bankruptcy probability was computed on 23-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · abbreviated…
- IncorporationAppointment: NGU Tho-Phuoc (director) ·…
Financials · financial year 2025, abbreviated format
2025 annual accounts filed late (28 days) Filed on 28 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00439130.
Turnover and EBIT margin not published: the abbreviated format does not require them.
Peer companies
Historical observationOf the 2,390 companies that looked in July 2024 the way this one looks now, 1.2% went bankrupt within 24 months and 96.7% are still going.
- Micro
- under 2 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,473 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,390 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,130 |
| Other operating charges640/8 | €307 |
| Gross operating margin9900 | €18,863 |
| Operating profit (loss)9901 | €14,426 |
| Financial income75/76B | €99 |
| Recurring financial income75 | €99 |
| Financial charges65/66B | €62 |
| Recurring financial charges65 | €62 |
| Profit (loss) for the period before taxes9903 | €14,464 |
| Income taxes67/77 | €3,590 |
| Profit (loss) for the period9904 | €10,873 |
| Profit (loss) for the period to be appropriated9905 | €10,873 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €44,263 | |
| Fixed assets21/28 | €20,148 | |
| Tangible fixed assets22/27 | €20,148 | |
| Furniture and vehicles24 | €20,148 | |
| Current assets29/58 | €24,115 | |
| Amounts receivable within one year40/41 | €5,848 | |
| Trade receivables40 | €5,172 | |
| Other amounts receivable41 | €676 | |
| Cash at bank and in hand54/58 | €18,103 | |
| Deferred charges and accrued income490/1 | €164 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €44,263 | |
| Equity10/15 | €12,373 | |
| Contributions10/11 | €1,500 | |
| Profit (loss) carried forward14 | €10,873 | |
| Amounts payable17/49 | €31,890 | |
| Amounts payable within one year42/48 | €31,890 | |
| Trade debts44 | €16 | |
| Suppliers440/4 | €16 | |
| Taxes, remuneration and social security45 | €3,563 | |
| Taxes450/3 | €3,563 | |
| Other amounts payable47/48 | €28,311 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €10,873 |
| + Depreciation and write-downs630 | €4,130 |
| Operating cash flow (approximation) | €15,003 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 28-08-2026 | 2026-00439130 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| NGU Tho-Phuoc |
|
Owners and capital
Capital and shareholders
- NGU Tho-Phuoc 100 shares (100%) · €1,500 in cash
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 07-02-2025 Incorporation · €1,500 · 100 shares
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
07-02
Gazette deed
IncorporationAppointment: NGU Tho-Phuoc (director) · Registered office clause · Board rule11 facts ▸
- Registered office clause, “1180 Uccle, rue du Wagon 24, boîte 9” (deed in French)
- Board rule, 1
- Director appointment, NGU Tho-Phuoc (director (not named in the articles))
- Pre-incorporation commitments, “takeover, engagements obligations et activités entrepris par le comparant au nom et pour compte de la société en formation” (deed in French)
- Founder, NGU Tho-Phuoc (comparant)
- Incorporation, 05-02-2025
- Other provision, 27-06-2024
- Founding capital, €1,500
- Other provision, “attestation dépôt apports”, 1500 (deed in French)
- Other provision, “forme authentique, arrêt des statuts” (deed in French)
- Capital
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 23 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21616G0139/00G003 | Brussels | 1.6 ha | 1 · 623 m² | 21.2 m · 6 |
How the parcels are linked
Articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- HARMONIFY
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région de Bruxelles-Capitale, traduction des statuts” (deed in French)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Avec ou sans limitation durée, assemblée nommant fixe nombre,durée et si pluralité pouvoirs” (deed in French)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- One provision in the deed
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Libre cession tout ou partie” (deed in French)
- Share issue ruleHow and by whom new shares can be issued.
- “Apport en numéraire avec émission de nouvelles actions, organe qui procède à l’émission” (deed in French)
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Assemblée générale, formes prévues pour modifications aux statuts” (deed in French)“Perte de l'actif net et continuité, dissolution ou mesures de continuité annoncées à l'ordre du jour” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Quelle que cause et à quelque moment, si aucun autre liquidateur désigné” (deed in French)