Harukey
ActiveHarukey has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €759k and a net result of €311k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 76% of 2671 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+10
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 5.11 against 3.66 in 2024), and 25% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
75%
Return on assets
30.7%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €759k
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
12 d late
2024
28 d early
2023
34 d early
2022
28 d early
2021
44 d early
2020
5 d early
2019
4 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€759k▲ 69.3%
2024 · €448k
2018: €46k
2019: €63k
2020: €66k
2021: €74k
2022: €-72k
2023: €214k
2024: €448k
2018 → 2025
Total assets
€1.01M▲ 2.5%
2024 · €987k
2018: €106k
2019: €265k
2020: €237k
2021: €223k
2022: €305k
2023: €639k
2024: €987k
2018 → 2025
Net result
€311k▲ 32.8%
2024 · €234k
2018: €6k
2019: €32k
2020: €33k
2021: €8k
2022: €-146k
2023: €286k
2024: €234k
2018 → 2025
Working capital
€374k▼ 9.4%
2024 · €412k
2018: €46k
2019: €100k
2020: €104k
2021: €112k
2022: €242k
2023: €319k
2024: €412k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€74k-€-72k€214k€448k▲ 109%€759k▲ 69.3%
Operating result€12k-€-146k€336k€308k▼ 8.5%€453k▲ 47.2%
Net result€8k-€-146k€286k€234k▼ 18.3%€311k▲ 32.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 47% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.01M
Fixed assets
€547k▲ 30.3%
Current assets
€465k▼ 18.1%
Equity and liabilities €1.01M
Equity
€759k▲ 69.3%
Debt
€253k▼ 53.1%
The debt ratio falls from 54.6% to 25.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€589k▲
2024 · €391k
Cash flow
€446k▲
2024 · €317k
Solvency
75.0%▲
2024 · 45.4%
Current ratio
5.11▲
2024 · 3.66
Quick ratio
5.11▲
2024 · 3.66
Debt / equity
0.33▼
2024 · 1.20
ROE
40.9%▼
2024 · 52.2%
ROA
30.7%▲
2024 · 23.7%
Interest coverage
4100.67▲
2024 · 1523.66
Debt
€253k▼
2024 · €539k
Debt ≤ 1 year
€91k▼
2024 · €155k
Income taxes
€143k▲
2024 · €74k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€987k€1.01M▲
Fixed assets21/28€420k€547k▲
Intangible fixed assets21€420k€547k▲
Current assets29/58€568k€465k▼
Amounts receivable within one year40/41€210k€235k▲
Trade receivables40€210k€221k▲
Other amounts receivable41-€13k
Cash at bank and in hand54/58€350k€226k▼
Deferred charges and accrued income490/1€8k€3k▼
Equity and liabilities
Total equity and liabilities10/49€987k€1.01M▲
Equity10/15€448k€759k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€428k€739k▲
Amounts payable17/49€539k€253k▼
Amounts payable within one year42/48€155k€91k▼
Trade debts44€65k€60k▼
Suppliers440/4€65k€60k▼
Taxes, remuneration and social security45€90k€31k▼
Taxes450/3€90k€31k▼
Accrued charges and deferred income492/3€384k€162k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€83k€136k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€20k€-14k▼
Other operating charges640/8€477€400▼
Gross operating margin9900€412k€576k▲
Operating profit (loss)9901€308k€453k▲
Financial income75/76B€0€360▲
Recurring financial income75€0€360▲
Financial charges65/66B€257€144▼
Recurring financial charges65€257€144▼
Profit (loss) for the period before taxes9903€308k€453k▲
Income taxes67/77€74k€143k▲
Profit (loss) for the period9904€234k€311k▲
Profit (loss) for the period to be appropriated9905€234k€311k▲
Appropriation of the result
Profit (loss) to be appropriated9906€428k€739k▲
Profit (loss) brought forward from the previous period14P€194k€428k▲
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
Next filing, fiscal year 2026, expected by
2026
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
2025
31-12
Financial
Highest result since 2018net €311k ▲32.8%
Operating result €453k, net result €311k, both a record.
31-12
Financial
Equity above €500kEq €759k ▲69.3%
3 profitable years in a row build equity to €759k.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €286k
Net result €286k after one loss-making year.
31-12
Financial
Equity above €200kEq €214k
Equity rises from €-72k to €214k.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-146k ▼1873%
Net result drops to €-146k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 4.84
Current ratio from 2.02 to 4.84; short-term debt falls from €110k to €63k.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 10 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Watermaal-Bosvoorde · 1 establishment unit since 2014
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.
Terhulpsesteenweg 1501170 Watermaal-BosvoordeGround area
4,415 m²
Building footprint
2,124 m²
Volume, LiDAR
45,158 m³
Parcel 21652E0035/00R005, Brussels · tallest building 36.1 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Harukey
since 20142.231.664.944
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0035/00R005 | Brussels | 4,415 m² | 1 · 2,124 m² | 36.1 m · 7 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 900 EUR awarded · 900 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 900 EUR | 900 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 16,811 companies in sector 62100 we hold annual accounts for 8,749. 4,680 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-06-2014
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.