HARMONT
ActiveHARMONT has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-5k) and a net result of €8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+66
Solvency20▲+8
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.1 against 0.97 in 2024; short-term debt: 75.8% and cash: 7.6% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-5.4%
Return on assets
7.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 11297 sector peers (2025).
NBB · sector comparisonPosition among 11297 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
31 d early
2023
14 d early
2022
28 d early
2021
34 d early
2020
16 d early
2019
31 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-5k▲ 59.4%
2024 · €-13k
2018: €-11k
2019: €-15k
2020: €-7k
2021: €11k
2022: €728
2023: €-8k
2024: €-13k
2018 → 2025
Total assets
€97k▲ 0.7%
2024 · €97k
2018: €114k
2019: €132k
2020: €126k
2021: €135k
2022: €119k
2023: €101k
2024: €97k
2018 → 2025
Net result
€8k
2024 · €-5k
2018: €1k
2019: €-5k
2020: €8k
2021: €18k
2022: €-10k
2023: €-9k
2024: €-5k
2018 → 2025
Working capital
€7k
2024 · €-2k
2018: €-12k
2019: €-16k
2020: €-5k
2021: €15k
2022: €7k
2023: €404
2024: €-2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€728▼ 93.3%€-8k€-13k▼ 59.1%€-5k▲ 59.4%
Operating result€25k-€-9k€-7k▲ 17.1%€-3k▲ 56.7%€10k
Net result€18k-€-10k€-9k▲ 12.1%€-5k▲ 45.7%€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €10k after a loss of €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €97k
Fixed assets
€16k▼ 11.1%
Current assets
€81k▲ 3.4%
Key figures and ratios
EBITDA
€12k▲
2024 · €-1k
Cash flow
€10k▲
2024 · €-3k
Solvency
-5.4%▲
2024 · -13.4%
Current ratio
1.10▲
2024 · 0.97
Quick ratio
0.12▲
2024 · 0.10
Debt / equity
-19.49▼
2024 · -8.45
ROA
7.9%▲
2024 · -5.0%
Interest coverage
6.34▲
2024 · -0.64
Debt
€103k▼
2024 · €110k
Debt ≤ 1 year
€74k▼
2024 · €81k
Debt > 1 year
€29k=
2024 · €29k
Income taxes
€176▲
2024 · €171
Staff costs
€1k▼
2024 · €21k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€97k€97k▲
Fixed assets21/28€18k€16k▼
Tangible fixed assets22/27€18k€16k▼
Land and buildings22€18k€16k▼
Furniture and vehicles24€0€0=
Financial fixed assets28€25€25=
Current assets29/58€79k€81k▲
Stocks and contracts in progress3€71k€73k▲
Stocks30/36€71k€73k▲
Cash at bank and in hand54/58€7k€7k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€97k€97k▲
Equity10/15€-13k€-5k▲
Contributions10/11€19k€19k=
Reserves13€3k€3k=
Non-distributable reserves130/1€277€277=
Reserves not available under the articles1311€277€277=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€-35k€-27k▲
Amounts payable17/49€110k€103k▼
Amounts payable after more than one year17€29k€29k=
Financial debts170/4€29k€29k=
Amounts payable within one year42/48€81k€74k▼
Trade debts44€14k€13k▼
Suppliers440/4€14k€13k▼
Taxes, remuneration and social security45€11k€8k▼
Taxes450/3€6k€6k▼
Remuneration and social security454/9€5k€2k▼
Other amounts payable47/48€56k€53k▼
Income statement
Code20242025
Remuneration, social security and pensions62€21k€1k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-2k€2k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€20k€18k▼
Operating profit (loss)9901€-3k€10k▲
Financial income75/76B€140€112▼
Recurring financial income75€140€112▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€-5k€8k▲
Income taxes67/77€171€176▲
Profit (loss) for the period9904€-5k€8k▲
Profit (loss) for the period to be appropriated9905€-5k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-35k€-27k▲
Profit (loss) brought forward from the previous period14P€-30k€-35k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after 3 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-10k ▼157%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €18k ▲111%
Operating result €25k, net result €18k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Binche · 1 establishment unit since 2000
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue du Mazy(RES) 97134 BincheGround area
970 m²
Building footprint
172 m²
Volume, LiDAR
1,356 m³
2 parcels, Wallonia · tallest building 16.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
HARMONY
since 20002.096.637.083
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56063B0278/00D000 | Wallonia | 828 m² | 1 · 120 m² | 8.2 m · 2 fl. |
| 55372D0033/00B016 | Wallonia | 142 m² | 1 · 52 m² | 16.0 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
ZEDES
BE 0480.752.388
Koekelberg · Eq €938
INOBEL
BE 0889.560.571
Schaarbeek · Eq €1k
NC DIFFUSION
BE 0442.463.520
Koksijde · Eq €1k
ETN PISANE
BE 0456.210.103
Sint-Truiden · Eq €337
Watchtower
BE 0672.551.676
Pittem · Eq €2k
Of 687 companies in sector 46412 we hold annual accounts for 517. 25 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-2000
Fiscal year end31-12
Activities, NACEBEL
46412Wholesale of household textiles and bedding
47512Retail sale of household textiles and bedding
51410
52410
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.