HARVIZO
ActiveHARVIZO has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €72k and a net result of €25k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 74% of 11200 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 3.37 against 2.47 in 2024), and 28.6% 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
71.4%
Return on assets
24.6%
Age of the figures
8 mo
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 €72k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
54 d late
2023
30 d late
2022
8 d late
2021
13 d early
2020
13 d late
2019
41 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€72k▲ 52.6%
2024 · €47k
2018: €10k
2019: €9k
2020: €12k
2021: €-1k
2022: €-2k
2023: €19k
2024: €47k
2018 → 2025
Total assets
€101k▲ 29.3%
2024 · €78k
2018: €85k
2019: €87k
2020: €67k
2021: €61k
2022: €45k
2023: €63k
2024: €78k
2018 → 2025
Net result
€25k▼ 12.9%
2024 · €28k
2018: €6k
2019: €-1k
2020: €3k
2021: €-13k
2022: €-667
2023: €21k
2024: €28k
2018 → 2025
Working capital
€68k▲ 50.9%
2024 · €45k
2018: €6k
2019: €400
2020: €4k
2021: €-6k
2022: €-3k
2023: €16k
2024: €45k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-1k-€-2k▼ 52.3%€19k€47k▲ 152%€72k▲ 52.6%
Operating result€-13k-€-373▲ 97.1%€28k€43k▲ 52.6%€39k▼ 8.7%
Net result€-13k-€-667▲ 94.9%€21k€28k▲ 37.9%€25k▼ 12.9%
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 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100k
Fixed assets
€3k▲ 161%
Current assets
€97k▲ 27.8%
Equity and liabilities €101k
Equity
€72k▲ 52.6%
Debt
€29k▼ 6.3%
The debt ratio falls from 39.5% to 28.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€40k▼
2024 · €43k
Cash flow
€26k▼
2024 · €29k
Solvency
71.4%▲
2024 · 60.5%
Current ratio
3.37▲
2024 · 2.47
Quick ratio
3.37▲
2024 · 2.47
Debt / equity
0.40▼
2024 · 0.65
ROE
34.5%▼
2024 · 60.4%
ROA
24.6%▼
2024 · 36.5%
Interest coverage
690.12▲
2024 · 333.93
Debt
€29k▼
2024 · €31k
Debt ≤ 1 year
€29k▼
2024 · €31k
Income taxes
€14k▲
2024 · €14k
Staff costs
€296▲
2024 · €-337
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€78k€101k▲
Formation expenses20€665€494▼
Fixed assets21/28€1k€3k▲
Tangible fixed assets22/27€1k€3k▲
Furniture and vehicles24€908€3k▲
Other tangible fixed assets26€130€53▼
Financial fixed assets28€150€150=
Current assets29/58€76k€97k▲
Amounts receivable within one year40/41€36k€34k▼
Trade receivables40€35k€33k▼
Other amounts receivable41€848€1k▲
Current investments50/53-€7
Cash at bank and in hand54/58€39k€62k▲
Deferred charges and accrued income490/1€1k€870▼
Equity and liabilities
Total equity and liabilities10/49€78k€101k▲
Equity10/15€47k€72k▲
Contributions10/11€12k€12k=
Reserves13€31k€55k▲
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Tax-exempt reserves132€361€361=
Distributable reserves133€28k€55k▲
Profit (loss) carried forward14€4k€4k=
Amounts payable17/49€31k€29k▼
Amounts payable within one year42/48€31k€29k▼
Trade debts44€408€4k▲
Suppliers440/4€408€4k▲
Taxes, remuneration and social security45€12k€12k▲
Taxes450/3€12k€12k▲
Other amounts payable47/48€19k€13k▼
Income statement
Code20242025
Remuneration, social security and pensions62€-337€296▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€925€1k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0€-284▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€45k€42k▼
Operating profit (loss)9901€43k€39k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€130€58▼
Recurring financial charges65€130€58▼
Profit (loss) for the period before taxes9903€42k€39k▼
Income taxes67/77€14k€14k▲
Profit (loss) for the period9904€28k€25k▼
Profit (loss) for the period to be appropriated9905€28k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€29k▼
Profit (loss) brought forward from the previous period14P€4k€4k=
Transfer to equity691/2€28k€25k▼
To the legal reserve6920€28k€25k▼
The notes to these accounts (13 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
2024
31-12
Financial
Highest result since 2018net €28k ▲37.9%
Operating result €43k, net result €28k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €21k
Net result €21k after 2 loss-making years.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-13k ▼527%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 56 days late
2017
19-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 50 days late
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, Sint-Lambrechts-Woluwe · 1 establishment unit since 2009
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.
Roodebeeksteenweg 2061200 Sint-Lambrechts-WoluweGround area
191 m²
Building footprint
90 m²
Volume, LiDAR
969 m³
Parcel 21673D0055/00R006, Brussels · tallest building 14.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Harvizo
since 20092.177.022.567
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21673D0055/00R006 | Brussels | 191 m² | 1 · 90 m² | 14.0 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.
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Of 183 companies in sector 46411 we hold annual accounts for 111. 73 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-03-2009
Fiscal year end31-12
Activities, NACEBEL
46411Wholesale trade
46419Wholesale trade
46473Wholesale trade
46833Wholesale trade
46841Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0477/26.09.11