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Harnic

Active
Private limited company·Metselwerk· 3 yrs active
Karel Van der Slotenstraat 65 ·9308 Aalst, Belgium
KBO/BCE: BE 0800.746.282
Watch Print / PDF
Belgian State Gazette acts: 0 of 1 read
Age3 yrs
Real estate1 parcel · 379 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Harnic is 3.0% (moderate). The 2024 annual accounts show equity of €37k and a net result of €2k. Its solvency ranks better than 59% of 11120 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, 26 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.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-07-2025, 14 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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 17-07-2025 14 d early 2025-00295713
31-12-2023 31-07-2024 26-08-2024 26 d late 2024-00417364

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
3.0% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

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€2k-94.0%
Working capital€19k+2.5%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 17-07-2025 with the NBB · fiscal year 2024 · micro
€0€20k€40kOperating result 2023: €43k€43kNet result 2023: €34k€34kOperating result 2024: €4k€4kNet result 2024: €2k€2k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 48.2% 40.9%
better than 59% of 11120 sector peers
Net result €2k €11k
better than 28% of 11103 sector peers
Equity €37k €34k
better than 52% of 11124 sector peers
Gross operating margin €14k €35k
better than 27% of 11092 sector peers
Total assets €76k €94k
better than 42% of 11120 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€14k
-69.1% 23-24
Net profit
€2k
-94.0% 23-24
Cash flow
€13k
-65.6% 23-24
Total assets
€76k
+33.4% 23-24
Equity
€37k
+5.9% 23-24
Working capital
€19k
+2.5% 23-24
Income taxes
€1k
-84.5% 23-24
Debt
€39k
+75.7% 23-24
Show 8 other metrics
Debt ≤ 1y
€39k
+75.7% 23-24
Current ratio
1.47
-18.6% 23-24
Quick ratio
1.47
-18.6% 23-24
Solvency
48.2%
-20.6% 23-24
Debt / equity
1.07
+65.9% 23-24
ROE
5.6%
-94.4% 23-24
ROA
2.7%
-95.5% 23-24
Interest coverage
189.67
-60.5% 23-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA€14k
Net profit€2k
Cash flow€13k
Staff costs-
Income taxes€1k
Dividends-
Total assets€76k
Equity€37k
Debt€39k
of which ≤ 1y€39k
of which > 1y-
Working capital€19k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.47
Quick ratio1.47
Working capital ratio24.4%
Solvency48.2%
Debt / equity1.07
Long-term debt ratio-
Interest coverage189.67
Gross margin-
Net margin-
ROA2.7%
ROE5.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€76k
Fixed assets 21/28€18k
Tangible fixed assets 22/27€18k
Current assets 29/58€58k
Amounts receivable within one year 40/41€43k
Cash & bank 54/58€14k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€76k
Equity 10/15€37k
Contributions / capital 10/11€100
Reserves 13€37k
Amounts payable 17/49€39k
Amounts payable within one year 42/48€39k
Trade debts payable within one year 44€32k
Income statement
Gross operating margin 9900€14k
Operating result 9901€4k
Financial income 75€0
Financial charges 65€74
Result before taxes 9903€3k
Income taxes 67/77€1k
Net result for the period 9904€2k
Result to be appropriated 9905€2k
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
74 / 100 Healthy
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

from the Crossroads Bank
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.

Karel Van der Slotenstraat 659308 Aalst

Establishment units

1 location
BOUW- EN RENOVATIEWERKEN
Karel Van der Slotenstraat 65, 9308 AalstOntwikkeling van residentiële bouwprojecten
since 20232.344.828.411
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area379 m²
Buildings1
Building footprint95 m²
Volume (LiDAR)551 m³
Tallest building9.9 m · ±2 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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
41029A1023/00X000 Flanders 379 m² 1 · 95 m² 9.9 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

5 of 5 axes measured
Health74Profitability28Solvency82Growth52Stability94
66 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 74
Profitability 28
Solvency 82
Growth 52
Stability 94

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,661 of the 11,140 companies in this sector. 1,494 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Metselwerk43910Uitvoeren van metsel- en voegwerken43994Algemene bouw van residentiële gebouwen41001Ontwikkeling van residentiële bouwprojecten68121Bouw van autowegen en andere wegen42110Schrijnwerk43320Dakwerkzaamheden43410
Primary activity highlighted.
Names & trade names
Legal nameNL Harnic
Registered office
Karel Van der Slotenstraat 65
9308 Aalst, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.