HARO-CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of HARO-CONSTRUCT is 4.2% (elevated). The 2025 annual accounts show negative equity (-€15,096) and a net result of -€34,496. Equity has been stable since 2018 (±1.2% per year). Its solvency ranks better than 5% of 9,898 sector peers (NACE 43, financial year 2025). The company has been active since 2006 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 07-02-2006 Normal situation
- Activity
- Roofing work NACE 43410and 1 other
- Establishment unit
- 2.155.512.323 3545 Halen, since 10-08-2006
- Financial year end
- 31 December
- Peppol
- Reachable since 11-02-2026
Board and ownership
- Haesevoets RobbyDirector
- HARODAK100%· score 532022 annual accounts of HARODAK
Financial position
- Bankruptcy probabilitywithin 12 months
- 4.2%
- Gross margin
- -€34,022
- ▼ 673%
- Loss
- €34,496
- ▲ 671%
- Equity
- -€15,096
- Total assets
- €93,370
- ▲ 72.5%
- Negative equity on 31-12-2025
Score breakdownraises risk1 change of registered office in 24 monthsLoss of €34,496, the second in a row (financial year 2025)Negative equity -€15,096lowers riskSize: total assets €93,370Show the evidence
Checked score
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 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 43, micro). It does better than 6% of them on solvency, 3% on liquidity, 4% on profitability and 2% on growth.
The bankruptcy probability was computed on 02-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 57 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 27-07-2026 at the NBB all 20 filings
Amounts without an identifiable currency are taken as euros.
Every figure per financial year
The operating result for 2025 is a loss of €34,456, larger than the loss of €4,400 in 2024. It is the lowest result since 2021.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,913 | €1,913 | - | - | - | - | - | - | - |
| Other operating charges640/8 | - | - | - | €471 | €348 | €1,019 | - | €434 | - |
| Gross operating margin9900 | €20,152 | €2,943 | €703 | €433 | €508 | €628 | -€4,400 | -€34,022 | ▼ 673% |
| Operating profit (loss)9901 | -€569 | €682 | -€74 | -€38 | €161 | -€390 | -€4,400 | -€34,456 | ▼ 683% |
| Financial income75/76B | - | - | - | - | - | €126 | - | - | - |
| Recurring financial income75 | €1,222 | €1,021 | - | - | - | €126 | - | - | - |
| Financial charges65/66B | - | - | - | €136 | €0 | €34 | €71 | €40 | ▼ 44.7% |
| Recurring financial charges65 | €1,719 | €105 | €104 | €136 | €0 | €34 | €71 | €40 | ▼ 44.7% |
| Profit (loss) for the period before taxes9903 | -€1,067 | €962 | -€178 | -€174 | €160 | -€298 | -€4,471 | -€34,496 | ▼ 671% |
| Income taxes67/77 | - | €81 | - | - | €29 | €90 | - | - | - |
| Profit (loss) for the period9904 | -€1,067 | €881 | -€178 | -€174 | €131 | -€388 | -€4,471 | -€34,496 | ▼ 671% |
| Profit (loss) for the period to be appropriated9905 | -€1,067 | €881 | -€178 | -€174 | €131 | -€388 | -€4,471 | -€34,496 | ▼ 671% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €62,454 | €56,772 | €58,409 | €57,410 | €58,276 | €58,043 | €54,136 | €93,370 | ▲ 72.5% |
| Fixed assets21/28 | €2,801 | €888 | - | - | - | - | - | - | - |
| Tangible fixed assets22/27 | €2,801 | €888 | - | - | - | - | - | - | - |
| Current assets29/58 | €59,653 | €55,884 | €58,409 | €57,410 | €58,276 | €58,043 | €54,136 | €93,370 | ▲ 72.5% |
| Amounts receivable within one year40/41 | €59,537 | €55,882 | €58,143 | €57,405 | €58,272 | €58,042 | €52,593 | €91,996 | ▲ 74.9% |
| Trade receivables40 | - | - | - | - | - | - | - | €91,730 | - |
| Other amounts receivable41 | - | - | - | €57,405 | €58,272 | €58,042 | €52,593 | €266 | ▼ 99.5% |
| Cash at bank and in hand54/58 | €116 | €2 | €266 | €5 | €4 | €1 | €1,543 | €1,374 | ▼ 10.9% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €62,454 | €56,772 | €58,409 | €57,410 | €58,276 | €58,043 | €54,136 | €93,370 | ▲ 72.5% |
| Equity10/15 | €23,599 | €24,481 | €24,302 | €24,129 | €24,259 | €23,872 | €19,400 | -€15,096 | - |
| Contributions10/11 | €20,000 | €20,000 | - | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Contributions outside capital11 | - | - | - | - | - | - | €20,000 | €20,000 | = |
| Other1109/19 | - | - | - | - | - | - | €20,000 | €20,000 | = |
| Reserves13 | €3,599 | €4,481 | €4,302 | €4,129 | €4,259 | €3,872 | €3,872 | €3,872 | = |
| Non-distributable reserves130/1 | - | - | - | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves not available under the articles1311 | - | - | - | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Distributable reserves133 | - | - | - | €2,129 | €2,259 | €1,872 | €1,872 | €1,872 | = |
| Profit (loss) carried forward14 | - | - | - | - | - | - | -€4,471 | -€38,967 | ▼ 771% |
| Amounts payable17/49 | €38,854 | €32,292 | €34,106 | €33,282 | €34,017 | €34,172 | €34,736 | €108,465 | ▲ 212% |
| Amounts payable within one year42/48 | €38,854 | €32,292 | €34,106 | €33,250 | €33,669 | €34,172 | €34,736 | €108,465 | ▲ 212% |
| Trade debts44 | €6,491 | €1,080 | €2,610 | €4,023 | €3,869 | €4,683 | €4,270 | €78,000 | ▲ 18× |
| Suppliers440/4 | - | - | - | €4,023 | €3,869 | €4,683 | €4,270 | €78,000 | ▲ 18× |
| Taxes, remuneration and social security45 | - | - | - | €81 | €29 | €119 | €119 | €119 | = |
| Taxes450/3 | - | - | - | €81 | €29 | €119 | €119 | €119 | = |
| Other amounts payable47/48 | - | - | - | €29,147 | €29,771 | €29,370 | €30,347 | €30,347 | = |
| Accrued charges and deferred income492/3 | - | - | - | €32 | €348 | - | - | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,067 | €881 | -€178 | -€174 | €131 | -€388 | -€4,471 | -€34,496 | ▼ 671% |
| + Depreciation and write-downs630 | €1,913 | €1,913 | - | - | - | - | - | - | - |
| Operating cash flow (approximation) | €847 | €2,795 | -€178 | -€174 | €131 | -€388 | -€4,471 | -€34,496 | ▼ 671% |
| Investment in fixed assets (approximation) | - | €0 | - | - | - | - | - | - | - |
| Change in cash | - | -€114 | €264 | -€260 | -€1 | -€3 | €1,541 | -€169 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 6,619 companies had the same profile as HARO-CONSTRUCT has now. Two years later, 84.5% were still going and 4.5% had gone bankrupt.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
Another 1.0% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of HARO-CONSTRUCT itself: 4.2% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,619 companies, not a prediction for HARO-CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Latest 10 of 20 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 27-07-2026 | 2026-00334412 | |
| 31-12-2024 | micro format | 22-05-2026 | 2026-00118106 | |
| 31-12-2023 | abbreviated format | 31-07-2024 | 2024-00326155 | |
| 31-12-2022 | abbreviated format | 05-10-2023 | 2023-00478571 | |
| 31-12-2021 | abbreviated format | 01-07-2022 | 2022-20167058 | |
| 31-12-2020 | abbreviated format | 28-06-2021 | 2021-26200457 | |
| 31-12-2019 | abbreviated format | 12-11-2020 | 2020-70000054 | |
| 31-12-2018 | micro format | 23-08-2019 | 2019-53700023 | |
| 31-12-2017 | micro format | 20-08-2018 | 2018-47200485 | |
| 31-12-2016 | micro format | 04-01-2018 | 2018-00600275 |
Board & ownership
Directors
Owners and capital
Shareholders
1 ownerChain of control
- HARODAK
- HARO-CONSTRUCT
Owners 1
- HARODAKparentSourceaccounts HARODAK 2022Equity €242,342 Profit of €90,623 in 2025 (profit of €6,281 in 2024) Checked score 53100%
Network & group
Companies at the same address
1 other companyConnections & network
1 current directorThe network starts from the directors of HARO-CONSTRUCT. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
17-12
Gazette deed
Registered office moved from Zelem to HalenNew seat: Kolenbergstraat 20, 3545 Halen · Previous seat: Kolenbergstraat 18, 3545 Zelem2 points ▸
- General meeting, 17-09-2024
- Registered-office move, Kolenbergstraat 20, 3545 Halen
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
1 former office
- Kolenbergstraat 18, 3545 Zelem until 01-11-2024 · act of 17-12-2024
Activities
NACEBEL 2025Codes under NACEBEL 2008
Codes under NACEBEL 2003
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0879.176.524
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 71063B0965/00D003 | Flanders | 4,719 m² | 1 · 89 m² | 9.7 m · 2 |