HARVEST & MATTER
ActiveHARVEST & MATTER has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €-3k. Equity is shrinking by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▲+11
Solvency100=
Growth32=
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 51.42; short-term debt: 1.8% and cash: 82.1% of total assets), and 1.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · 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 2025Solvency, return and age of the figures
Solvency
98.2%
Return on assets
-6.3%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
232425
2023 to 2025 · latest year €-3k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 07-01-2026, 24 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
24 d early
2024
42 d early
2023
5 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€45k▼ 6.0%
2024 · €47k
2023: €55k
2024: €47k
2023 → 2025
Total assets
€45k▼ 4.7%
2024 · €48k
2023: €68k
2024: €48k
2023 → 2025
Net result
€-3k▲ 60.5%
2024 · €-7k
2023: €50k
2024: €-7k
2023 → 2025
Working capital
€41k▼ 10.1%
2024 · €45k
2023: €52k
2024: €45k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€55k-€47k▼ 13.3%€45k▼ 6.0%
Operating result€63k-€-7k€-3k▲ 59.1%
Net result€50k-€-7k€-3k▲ 60.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €7k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €45k
Fixed assets
€4k▲ 72.1%
Current assets
€41k▼ 8.7%
Equity and liabilities €45k
Equity
€45k▼ 6.0%
Debt
€803▲ 309%
The debt ratio rises from 0.4% to 1.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-2k▲
2024 · €-7k
Cash flow
€-2k▲
2024 · €-7k
Solvency
98.2%▼
2024 · 99.6%
Current ratio
51.42
Quick ratio
51.42
Debt / equity
0.02▲
2024 · 0.00
ROE
-6.4%▲
2024 · -15.3%
ROA
-6.3%▲
2024 · -15.2%
Interest coverage
-49.29▲
2024 · -188.45
Debt
€803▲
2024 · €197
Debt ≤ 1 year
€803▲
2024 · €197
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€48k€45k▼
Fixed assets21/28€2k€4k▲
Tangible fixed assets22/27€2k€4k▲
Furniture and vehicles24€2k€4k▲
Current assets29/58€45k€41k▼
Amounts receivable within one year40/41€2k€4k▲
Trade receivables40-€734
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€43k€37k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€48k€45k▼
Equity10/15€47k€45k▼
Contributions10/11€5k€5k=
Reserves13€42k€40k▼
Distributable reserves133€42k€40k▼
Profit (loss) carried forward14€0-
Amounts payable17/49€197€803▲
Amounts payable within one year42/48€197€803▲
Trade debts44€197€803▲
Suppliers440/4€197€803▲
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€696€1k▲
Other operating charges640/8€150€291▲
Gross operating margin9900€-6k€-2k▲
Operating profit (loss)9901€-7k€-3k▲
Financial income75/76B€48€150▲
Recurring financial income75€48€150▲
Financial charges65/66B€35€39▲
Recurring financial charges65€35€39▲
Profit (loss) for the period before taxes9903€-7k€-3k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-7k€-3k▲
Profit (loss) for the period to be appropriated9905€-7k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-3k▲
Profit (loss) brought forward from the previous period14P€659€0▼
Transfer from equity791/2€7k€3k▼
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (6 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
07-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Weakest financial yearnet €-7k ▼115%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity times 48current ratio 230.15
Current ratio from 4.83 to 230.15; short-term debt falls from €13k to €197.
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Zottegem · 1 establishment unit since 2022
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.
Varenstraat 69620 ZottegemGround area
932 m²
Building footprint
204 m²
Volume, LiDAR
823 m³
Parcel 41023A0143/00R003, Flanders · tallest building 5.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
HARVEST & MATTER
since 20222.330.995.914
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41023A0143/00R003 | Flanders | 932 m² | 1 · 203 m² | 5.5 m · 1 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.
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Transcendo
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 37,446 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-04-2022
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.