HARU
ActiveThe computed 12-month bankruptcy probability of HARU is 1.8% (moderate). The 2024 annual accounts show equity of €350k and a net result of €40k. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 73% of 18944 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability77▼-6
Solvency81▼-11
Growth78=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 4.4 against 3.64 in 2023; short-term debt: 10.5% and cash: 26.1% of total assets), and 43.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-09-2025, 48 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
48 d late
2023
30 d late
2022
28 d late
2021
31 d late
2020
30 d late
2019
33 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€350k▲ 13.0%
2023 · €310k
2018: €75k
2019: €140k
2020: €186k
2021: €245k
2022: €287k
2023: €310k
2018 → 2024
Total assets
€623k▲ 34.4%
2023 · €464k
2018: €193k
2019: €258k
2020: €293k
2021: €351k
2022: €377k
2023: €464k
2018 → 2024
Net result
€40k▼ 24.3%
2023 · €53k
2018: €35k
2019: €65k
2020: €65k
2021: €59k
2022: €43k
2023: €53k
2018 → 2024
Working capital
€224k▲ 0.1%
2023 · €224k
2018: €9k
2019: €80k
2020: €119k
2021: €178k
2022: €210k
2023: €224k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€186k-€245k▲ 31.8%€287k▲ 17.2%€310k▲ 8.0%€350k▲ 13.0%
Operating result€93k-€73k▼ 21.2%€56k▼ 22.9%€72k▲ 28.1%€54k▼ 25.4%
Net result€65k-€59k▼ 9.6%€43k▼ 27.4%€53k▲ 23.8%€40k▼ 24.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 25% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €623k
Fixed assets
€334k▲ 115%
Current assets
€289k▼ 6.1%
Equity and liabilities €623k
Equity
€350k▲ 13.0%
Debt
€273k▲ 77.4%
The debt ratio rises from 33.2% to 43.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€128k▲
2023 · €99k
Cash flow
€114k▲
2023 · €80k
Solvency
56.1%▼
2023 · 66.8%
Current ratio
4.40▲
2023 · 3.64
Quick ratio
4.33▲
2023 · 3.58
Debt / equity
0.78▲
2023 · 0.50
ROE
11.5%▼
2023 · 17.1%
ROA
6.4%▼
2023 · 11.4%
Interest coverage
20.48▼
2023 · 33.78
Debt
€273k▲
2023 · €154k
Debt ≤ 1 year
€66k▼
2023 · €85k
Debt > 1 year
€207k▲
2023 · €69k
Income taxes
€16k▼
2023 · €20k
Staff costs
€119k▼
2023 · €134k
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€464k€623k▲
Fixed assets21/28€156k€334k▲
Tangible fixed assets22/27€153k€331k▲
Land and buildings22-€219k
Plant, machinery and equipment23€16k€10k▼
Furniture and vehicles24€107k€83k▼
Other tangible fixed assets26€30k€19k▼
Financial fixed assets28€3k€3k=
Current assets29/58€308k€289k▼
Stocks and contracts in progress3€5k€5k=
Stocks30/36€5k€5k=
Amounts receivable within one year40/41€139k€105k▼
Trade receivables40€5k€0▼
Other amounts receivable41€135k€105k▼
Current investments50/53€100k€0▼
Cash at bank and in hand54/58€53k€163k▲
Deferred charges and accrued income490/1€11k€17k▲
Equity and liabilities
Total equity and liabilities10/49€464k€623k▲
Equity10/15€310k€350k▲
Contributions10/11€40k€40k=
Reserves13€270k€310k▲
Distributable reserves133€270k€310k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€154k€273k▲
Amounts payable after more than one year17€69k€207k▲
Financial debts170/4€69k€207k▲
Amounts payable within one year42/48€85k€66k▼
Current portion of amounts payable after more than one year42€27k€37k▲
Trade debts44€9k€9k▼
Suppliers440/4€9k€9k▼
Taxes, remuneration and social security45€13k€15k▲
Taxes450/3€8k€7k▼
Remuneration and social security454/9€5k€8k▲
Other amounts payable47/48€35k€5k▼
Accrued charges and deferred income492/3€167€246▲
Income statement
Code20232024
Non-recurring operating income76A€6k€0▼
Remuneration, social security and pensions62€134k€119k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€74k▲
Other operating charges640/8€754€1k▲
Gross operating margin9900€234k€248k▲
Operating profit (loss)9901€72k€54k▼
Financial income75/76B€4k€8k▲
Recurring financial income75€4k€8k▲
Financial charges65/66B€3k€6k▲
Recurring financial charges65€3k€6k▲
Profit (loss) for the period before taxes9903€73k€56k▼
Income taxes67/77€20k€16k▼
Profit (loss) for the period9904€53k€40k▼
Profit (loss) for the period to be appropriated9905€53k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€40k▼
Transfer from equity791/2€30k€0▼
Transfer to equity691/2€53k€40k▼
To other reserves6921€53k€40k▼
Profit to be distributed694/7€30k€0▼
Return on contributions (dividend)694€30k€0▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
17-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 48 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €200kEq €245k ▲31.8%
4 profitable years in a row build equity to €245k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Equity above €150kEq €186k ▲32.2%
3 profitable years in a row build equity to €186k.
02-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 33 days late
2019
31-12
Financial
Equity above €100kEq €140k ▲87%
2 profitable years in a row build equity to €140k.
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 69 days late
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, Kortrijk · 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.
Handboogstraat(Kor) 88500 KortrijkGround area
536 m²
Building footprint
536 m²
Volume, LiDAR
4,866 m³
Parcel 34353H0024/00L000, Flanders · tallest building 17.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
HARU
since 20172.272.977.244
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34353H0024/00L000 | Flanders | 536 m² | 1 · 536 m² | 17.1 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteKortrijk2.272.977.244
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,462. 7,263 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-11-2017
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.