Harmony IT
ActiveHarmony IT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €180k and a net result of €-8k. Equity is growing by ~17.2% per year across the filed fiscal years. Its solvency ranks better than 15% of 2672 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
2
/ 100
Critical▼ -74 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency4▼-19
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.59 against 1.44 in 2024), and 96.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 2672 sector peers (2025).
NBB · sector comparisonPosition among 2672 sector peers
Solvency
better than 15%
← 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 01-07-2026, 30 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
30 d early
2024
27 d late
2023
7 d late
2022
29 d late
2021
29 d late
2020
24 d late
2019
25 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€180k▼ 4.2%
2024 · €188k
2018: €11k
2019: €57k
2020: €131k
2021: €160k
2022: €199k
2023: €120k
2024: €188k
2018 → 2025
Total assets
€5.89M▲ 2.7%
2024 · €5.73M
2018: €158k
2019: €253k
2020: €1.00M
2021: €474k
2022: €491k
2023: €511k
2024: €5.73M
2018 → 2025
Net result
€-8k
2024 · €68k
2018: €-9k
2019: €47k
2020: €74k
2021: €29k
2022: €39k
2023: €-79k
2024: €68k
2018 → 2025
Working capital
€-532k
2024 · €182k
2018: €290
2019: €46k
2020: €668k
2021: €157k
2022: €187k
2023: €113k
2024: €182k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€160k-€199k▲ 24.0%€120k▼ 39.8%€188k▲ 56.6%€180k▼ 4.2%
Operating result€61k-€96k▲ 57.6%€-51k€165k€273k▲ 64.9%
Net result€29k-€39k▲ 32.3%€-79k€68k€-8k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 65% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.89M
Fixed assets
€5.14M=
Current assets
€752k▲ 26.8%
Equity and liabilities €5.89M
Equity
€180k▼ 4.2%
Debt
€5.71M▲ 3.0%
The debt ratio rises from 96.7% to 96.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€276k▲
2024 · €171k
Cash flow
€-5k▼
2024 · €74k
Solvency
3.1%▼
2024 · 3.3%
Current ratio
0.59▼
2024 · 1.44
Quick ratio
0.59▼
2024 · 1.44
Debt / equity
31.74▲
2024 · 29.53
ROE
-4.4%▼
2024 · 36.1%
ROA
-0.1%▼
2024 · 1.2%
Interest coverage
1.02▼
2024 · 3.34
Debt
€5.71M▲
2024 · €5.54M
Debt ≤ 1 year
€1.28M▲
2024 · €412k
Debt > 1 year
€4.40M▼
2024 · €5.13M
Income taxes
€11k▼
2024 · €46k
Staff costs
€1.26M▼
2024 · €1.32M
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€5.73M€5.89M▲
Fixed assets21/28€5.14M€5.14M=
Tangible fixed assets22/27€6k€4k▼
Furniture and vehicles24€6k€4k▼
Financial fixed assets28€5.13M€5.13M=
Current assets29/58€593k€752k▲
Amounts receivable within one year40/41€436k€418k▼
Trade receivables40€332k€260k▼
Other amounts receivable41€104k€158k▲
Cash at bank and in hand54/58€143k€145k▲
Deferred charges and accrued income490/1€14k€190k▲
Equity and liabilities
Total equity and liabilities10/49€5.73M€5.89M▲
Equity10/15€188k€180k▼
Contributions10/11€20k€20k=
Reserves13€168k€160k▼
Distributable reserves133€168k€160k▼
Amounts payable17/49€5.54M€5.71M▲
Amounts payable after more than one year17€5.13M€4.40M▼
Financial debts170/4€5.13M€4.40M▼
Amounts payable within one year42/48€412k€1.28M▲
Current portion of amounts payable after more than one year42€156k€643k▲
Financial debts43€75k€125k▲
Credit institutions430/8€75k€125k▲
Trade debts44€144k€92k▼
Suppliers440/4€144k€92k▼
Taxes, remuneration and social security45€9k€5k▼
Taxes450/3€3k€2k▼
Remuneration and social security454/9€6k€3k▼
Other amounts payable47/48€27k€420k▲
Accrued charges and deferred income492/3-€25k
Income statement
Code20242025
Remuneration, social security and pensions62€1.32M€1.26M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€3k▼
Other operating charges640/8€462€858▲
Gross operating margin9900€1.49M€1.54M▲
Operating profit (loss)9901€165k€273k▲
Financial income75/76B€0€300▲
Recurring financial income75€0€300▲
Financial charges65/66B€51k€270k▲
Recurring financial charges65€51k€270k▲
Profit (loss) for the period before taxes9903€114k€3k▼
Income taxes67/77€46k€11k▼
Profit (loss) for the period9904€68k€-8k▼
Profit (loss) for the period to be appropriated9905€68k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€68k€-8k▼
Transfer from equity791/2€0€8k▲
Transfer to equity691/2€68k€0▼
To other reserves6921€68k€0▼
Social balance
Average headcount (FTE)908713.913.1▼
The notes to these accounts (13 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
31-12
Financial
Back to profitnet €68k
Net result €68k after one loss-making year.
31-12
Financial
Equity above €150kEq €188k ▲56.6%
Equity rises from €120k to €188k.
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 7 days late
2023
31-12
Financial
Weakest financial yearnet €-79k ▼305%
Net result drops to €-79k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Equity above €150kEq €160k ▲22.2%
3 profitable years in a row build equity to €160k.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Highest result since 2018net €74k ▲59.6%
Net result €74k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 3.02
Current ratio from 1.24 to 3.02.
31-12
Financial
Equity above €100kEq €131k ▲130%
2 profitable years in a row build equity to €131k.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
31-12
Financial
Back to profitnet €47k
Net result €47k after one loss-making year.
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are 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, Hasselt · 1 establishment unit since 2017
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.
Kolonel Dusartplein 28B3500 HasseltGround area
1,770 m²
Building footprint
934 m²
Volume, LiDAR
3,623 m³
Parcel 71022H1480/00A000, Flanders · tallest building 13.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Kolonel Dusartplein 28B, 3500 Hasselt
since 20172.270.030.424
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71022H1480/00A000 | Flanders | 1,770 m² | 1 · 934 m² | 13.9 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 5 entries · 24,135 EUR awarded · 3,635 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 21,312 EUR | 812 EUR |
| 2024 | 1 | 599 EUR | 599 EUR |
| 2023 | 2 | 2,224 EUR | 2,224 EUR |
Schemes
Kmo-groeisubsidie: steun voor groeitrajecten bij kmo's (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
Recognitions · licences · registrations
Legal Entity Identifier
69940064PZ1TMBL2XQ96
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Of 29,884 companies in sector 62200 we hold annual accounts for 18,321. 15,062 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-11-2017
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.