HARNIA · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of HARNIA is 0.4% (very low). The 2024 annual accounts show equity of €54k and a net result of €44k. Its solvency ranks better than 37% of 6596 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

1 signal · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 32 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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.

How we compute the deadline

The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	29-08-2025	29 d late	2025-00446178
31-12-2023	31-07-2024	22-07-2024	9 d early	2024-00269123

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2023, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.4% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€44k+463.8%

Working capital€34k+242.6%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 86, Human health · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	53.0%	66.7%	better than 37% of 6596 sector peers
Net result	€44k	€46k	better than 49% of 6590 sector peers
Equity	€54k	€79k	better than 39% of 6596 sector peers
Gross operating margin	€69k	€78k	better than 45% of 6598 sector peers
Total assets	€102k	€154k	better than 35% of 6599 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€62k

- 23-24

Net profit

€44k

+463.8% 23-24

Cash flow

€49k

- 23-24

Total assets

€102k

+756.9% 23-24

Equity

€54k

+449.6% 23-24

Working capital

€34k

+242.6% 23-24

Income taxes

€12k

+495.2% 23-24

Debt

€48k

+2220.8% 23-24

Show 9 other metrics

Debt ≤ 1y

€17k

+741.9% 23-24

Debt > 1y

€31k

- 23-24

Current ratio

2.94

-49.0% 23-24

Quick ratio

2.94

-49.0% 23-24

Solvency

53.0%

-35.9% 23-24

Debt / equity

0.89

+322.3% 23-24

ROE

81.8%

+2.6% 23-24

ROA

43.4%

-34.2% 23-24

Interest coverage

44.37

- 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€62k
Net profit	€44k
Cash flow	€49k
Staff costs	-
Income taxes	€12k
Dividends	-
Total assets	€102k
Equity	€54k
Debt	€48k
of which ≤ 1y	€17k
of which > 1y	€31k
Working capital	€34k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	2.94
Quick ratio	2.94
Working capital ratio	33.1%
Solvency	53.0%
Debt / equity	0.89
Long-term debt ratio	0.56
Interest coverage	44.37
Gross margin	-
Net margin	-
ROA	43.4%
ROE	81.8%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €51k · 49.9% Current assets €51k · 50.1%

Equity & liabilities

Equity €54k · 53.0% Debt €48k · 47.0%

Full annual accounts (20 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€102k
Fixed assets	21/28	€51k
Tangible fixed assets	22/27	€50k
Financial fixed assets	28	€1k
Current assets	29/58	€51k
Cash & bank	54/58	€46k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€102k
Equity	10/15	€54k
Contributions / capital	10/11	€2k
Accumulated profits (losses)	14	€52k
Amounts payable	17/49	€48k
Amounts payable after one year	17	€31k
Amounts payable within one year	42/48	€17k
Income statement
Gross operating margin	9900	€69k
Operating result	9901	€58k
Financial charges	65	€1k
Result before taxes	9903	€57k
Income taxes	67/77	€12k
Net result for the period	9904	€44k
Result to be appropriated	9905	€44k

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

100 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

4 companies at this address See who is registered here

Establishment units

1 location

HARNIA

Visvijverstraat 112, 1050 ElseneActiviteiten van huisartspraktijken

since 20232.348.726.326

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area98 m²

Buildings1

Building footprint77 m²

Volume (LiDAR)555 m³

Tallest building12.4 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)