HAROBEL
ActiveThe computed 12-month bankruptcy probability of HAROBEL is 2.5% (moderate). The 2024 annual accounts show equity of €29k and a net result of €10k. Equity is growing by ~48.1% per year across the filed fiscal years. Its solvency ranks better than 45% of 36376 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
89
/ 100
Excellent▲ +21 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+3
Solvency76▲+43
Growth78=
Stability100
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.49 against 1.24 in 2023), and 57.6% 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.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
42.4%
Return on assets
14.3%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-09-2025, 42 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.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
42 d late
2023
8 d late
2022
66 d late
2021
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€29k▲ 50.8%
2023 · €20k
2021: €3k
2022: €16k
2023: €20k
2021 → 2024
Total assets
€70k▼ 24.5%
2023 · €92k
2021: €64k
2022: €79k
2023: €92k
2021 → 2024
Net result
€10k▲ 162%
2023 · €4k
2021: €1k
2022: €13k
2023: €4k
2021 → 2024
Working capital
€20k▲ 11.7%
2023 · €18k
2021: €3k
2022: €16k
2023: €18k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€3k-€16k▲ 401%€20k▲ 24.0%€29k▲ 50.8%
Operating result€2k-€17k▲ 994%€7k▼ 60.8%€15k▲ 116%
Net result€1k-€13k▲ 1,001%€4k▼ 70.0%€10k▲ 162%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 116% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €70k
Fixed assets
€10k▲ 404%
Current assets
€60k▼ 33.8%
Equity and liabilities €70k
Equity
€29k▲ 50.8%
Debt
€40k▼ 44.8%
The debt ratio falls from 78.8% to 57.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€18k▲
2023 · €8k
Cash flow
€13k▲
2023 · €5k
Solvency
42.4%▲
2023 · 21.2%
Current ratio
1.49▲
2023 · 1.24
Quick ratio
1.49▲
2023 · 1.24
Debt / equity
1.36▼
2023 · 3.71
ROE
33.7%▲
2023 · 19.4%
ROA
14.3%▲
2023 · 4.1%
Interest coverage
31.33▲
2023 · 19.65
Debt
€40k▼
2023 · €73k
Debt ≤ 1 year
€40k▼
2023 · €73k
Income taxes
€4k▲
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€92k€70k▼
Fixed assets21/28€2k€10k▲
Tangible fixed assets22/27€2k€10k▲
Furniture and vehicles24€2k€10k▲
Current assets29/58€90k€60k▼
Amounts receivable within one year40/41€88k€57k▼
Trade receivables40€22k€18k▼
Other amounts receivable41€65k€40k▼
Cash at bank and in hand54/58€3k€2k▼
Deferred charges and accrued income490/1€104€748▲
Equity and liabilities
Total equity and liabilities10/49€92k€70k▼
Equity10/15€20k€29k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€18k€27k▲
Amounts payable17/49€73k€40k▼
Amounts payable within one year42/48€73k€40k▼
Trade debts44€64k€27k▼
Suppliers440/4€64k€27k▼
Taxes, remuneration and social security45€9k€13k▲
Taxes450/3€3k€6k▲
Remuneration and social security454/9€6k€7k▲
Income statement
Code20232024
Remuneration, social security and pensions62€43k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€53k€19k▼
Operating profit (loss)9901€7k€15k▲
Financial income75/76B€26-
Recurring financial income75€26-
Non-recurring financial income76B€26-
Financial charges65/66B€398€567▲
Recurring financial charges65€398€567▲
Profit (loss) for the period before taxes9903€6k€14k▲
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€4k€10k▲
Profit (loss) for the period to be appropriated9905€4k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€27k▲
Profit (loss) brought forward from the previous period14P€14k€18k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
11-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 42 days late
2024
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
31-12
Financial
Highest result since 2021net €13k ▲1001%
Operating result €17k, net result €13k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Tremelo · 1 establishment unit since 2020
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.
Moorsemsestraat 273128 TremeloGround area
1,108 m²
Building footprint
160 m²
Volume, LiDAR
785 m³
Parcel 24006D0466/00Z000, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HAROBEL
since 20202.305.032.081
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24006D0466/00Z000 | Flanders | 1,108 m² | 1 · 160 m² | 6.4 m · 2 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.
Similar companies · same sector, comparable size
Haerens Fitzgerald
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Kortrijk · Eq €29k
IVOMART
BE 0871.798.287
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INTEGRATIC
BE 0672.781.706
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TSH
BE 0760.851.766
Tessenderlo-Ham · Eq €29k
Of 22,728 companies in sector 43211 we hold annual accounts for 10,271. 7,906 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-07-2020
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
43331Floor and wall tiling
46319Wholesale of fruit and vegetables, excluding potatoes
46332Wholesale trade
46360Wholesale trade
46370Wholesale trade
46389Wholesale of other food products
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:harobel@outlook.com