Harmony Flow
ActiveSummary
Harmony Flow has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3,464 and a net result of €2,657. Its solvency ranks better than 58% of 815 sector peers (NACE 74, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
- Equity
- €3,464
- Profit
- €2,657
Why 97raises riskFounded in 2023Size: total assets €6,758lowers riskSector: Other professional, scientific and technical activities (NACE 74)Liquidity: current ratio 2.05, cash €6,253Show the evidence
Checked score
About 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 74, micro): better than 53% on solvency, 67% on liquidity, 88% on profitability and 97% on growth.
The bankruptcy probability was computed on 30-10-2026 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
This company filed its last 2 accounts on average 33 days before the deadline; the sector median (NACE 74) for financial year 2024 is 3 days before the deadline, and 38% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · abbreviated…
- Back to profitnet €2,657
- Annual accounts filedfinancial year 2024 · full…
Financials · financial year 2025, abbreviated format
2024 to 2025, 2 financial years
The operating result returns to profit in 2025: €3,266 after a loss of €1,545 in 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 74, Other professional, scientific and technical activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital.
Peer companies
Historical observationOf the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 95.9% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
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 497,445 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% | 0.9% |
| 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 39,278 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 | 2024 | 2025 | Change |
|---|---|---|---|
| Other operating charges640/8 | - | €70 | - |
| Gross operating margin9900 | -€1,545 | €3,336 | - |
| Operating profit (loss)9901 | -€1,545 | €3,266 | - |
| Financial income75/76B | - | €12 | - |
| Recurring financial income75 | - | €12 | - |
| Financial charges65/66B | €148 | €184 | ▲ 24.9% |
| Recurring financial charges65 | €148 | €184 | ▲ 24.9% |
| Profit (loss) for the period before taxes9903 | -€1,693 | €3,094 | - |
| Income taxes67/77 | - | €437 | - |
| Profit (loss) for the period9904 | -€1,693 | €2,657 | - |
| Profit (loss) for the period to be appropriated9905 | -€1,693 | €2,657 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €2,798 | €6,758 | ▲ 142% |
| Current assets29/58 | €2,798 | €6,758 | ▲ 142% |
| Amounts receivable within one year40/41 | €527 | €468 | ▼ 11.3% |
| Trade receivables40 | €527 | €468 | ▼ 11.3% |
| Cash at bank and in hand54/58 | €2,271 | €6,253 | ▲ 175% |
| Deferred charges and accrued income490/1 | - | €37 | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €2,798 | €6,758 | ▲ 142% |
| Equity10/15 | €807 | €3,464 | ▲ 329% |
| Contributions10/11 | €2,500 | €2,500 | = |
| Profit (loss) carried forward14 | -€1,693 | €964 | - |
| Amounts payable17/49 | €1,991 | €3,294 | ▲ 65.4% |
| Amounts payable within one year42/48 | €1,991 | €3,294 | ▲ 65.4% |
| Trade debts44 | €1,131 | €641 | ▼ 43.3% |
| Suppliers440/4 | €1,131 | €641 | ▼ 43.3% |
| Taxes, remuneration and social security45 | €678 | €1,557 | ▲ 130% |
| Taxes450/3 | €678 | €1,557 | ▲ 130% |
| Other amounts payable47/48 | €182 | €1,096 | ▲ 501% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€1,693 | €2,657 | - |
| Operating cash flow (approximation) | -€1,693 | €2,657 | - |
| Change in cash | - | €3,982 | - |
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 (2)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 30-06-2026 | 2026-00222512 |
| 31-12-2024 | full format | 27-06-2025 | 2025-00187585 |
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 |
|---|---|
| HOSCHEIT Vanessa |
|
Owners and capital
Capital and shareholders
- BLOMME Raphaël Jacques Christian 24 shares (20%) · €500
- HOSCHEIT Vanessa 96 shares (80%) · €2,000
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 06-12-2023 Incorporation · €2,500 · 120 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
06-12
Gazette deed
IncorporationAppointment: HOSCHEIT Vanessa (director) · Founder · Founding capital13 facts ▸
- Incorporation, “Harmony Flow” (deed in French)
- Founder, BLOMME Raphaël Jacques Christian
- Founder, HOSCHEIT Vanessa
- Founding capital, €2,500
- Bank account, 2500, “comptespécialsociétéenformation” (deed in French)
- Other provision, “planfinancieretresponsabilitédesfondateurs, responsabilitédesfondateursencasdefaillitedanslestroisansdelapersonnalitéjuridiquesicapitauxmanifestementinsuffisant…” (deed in French) (2 times)
- Capital
- Other provision, “effectivité dispositions finales, unanimité” (deed in French)
- Other provision, “début activités”, 02-01-2024 (deed in French)
- Registered office clause, “1341 Céroux-Mousty, rue des Pâchis 59” (deed in French)
- Board rule, 1, “assemblée” (deed in French)
- Director appointment, HOSCHEIT Vanessa (director (not named in the articles))
- +1 further fact in this act
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 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 |
|---|---|---|---|---|
| 25016A0184/00G003 | Wallonia | 689 m² | 1 · 125 m² | 8.1 m · 2 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Toutes activitésetservicesrelatifsàl’architectured’intérieureaubien-êtredel’habitatetdel’énergiedeslieux,etnotammentl’organisationd’espacesp…” (deed in French)
7 activities (deed in French)
- Toutes activitésetservicesrelatifsàl’architectured’intérieureaubien-êtredel’habitatetdel’énergiedeslieux,etnotammentl’organisationd’espacesprivés,d’espacesdebureaux,industrielsoucommerciaux,l’établissementd’études,plans,coordinationencesdomaines
- Leconseilenaménagementetdécorationencecomprisl’achatetlareventedeproduitsetarticlesdedécoration,l’achatetlareventedemobilierd’aménagementpourbureau,commerce,industrie,habitationmaisaussilecommercededétaildemobilierdemaisonenmagasinspécialisé
- Lecommercededtaild’objetsd’artneufsenmagasinspcialis,lacrationdemodlespourlesbienspersonnelsetdomestiques
- Toutes activitésetservicesrelatifsaucoachingindividueletaucoachingd’équipes,audéveloppementdubien-êtrepersonnel,individuel,dansuncontexteprivéouenentreprise,auxtechniquesderelaxation,desophrologieetdegestiondesémotions,audéveloppementorganisationnelenentrepriseouenassociation
- Laconsultance,laformation,larédactionouconfectiondetoussupportsphysiquesoudématérialiséscommdeslivres,desrevues,desformationsenligne,etcainsiquelesprestationsdetouttypedanslesdomainesprévantés,tantpourlesparticuliersquelesentreprises
- L'organisationdeséminaires,decongrès,decolloques,deréceptionsoud'événementdetoutenatureserapportantdirectementouindirectementauxthèmessusdits
- Ladélivrancedetoutecertificationoudélivrancedediplômeliéesdirectementouindirectementauxformationsdécritesci-avant
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- Harmony Flow
- Legal form clauseThe legal form, such as BV, NV or CV, which decides which company-law rules apply.
- One provision in the deed
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- One provision in the deed
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- “Un ou plusieurs administrateurs, assemblée fixe nombre, durée du mandat et, en cas de pluralité, pouvoirs” (deed in French)1 more provision on this in the deed
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Nominatives, registre des actions nominatives avec mentions requises par Code des sociétés et des associations” (deed in French)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Frais de procédure et d'expertise pour moitié cédant et moitié acquéreurs proportionnellement si plusieurs, tenus de solliciter agrément…” (deed in French)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Last Friday of June
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 modifications aux statuts” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Administrateurs en fonction par statuts si aucun autre désigné” (deed in French)