HARWISCH
ActiveThe computed 12-month bankruptcy probability of HARWISCH is 3.5% (moderate). The 2022 annual accounts show negative equity (€-328k) and a net result of €-5k. Equity remains stable across the filed fiscal years (±1.2% per year). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2022
Axes · tick = 2021
Profitability8▲+7
Solvency51▼-2
Growth58=
Stability100
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.29 against 1.4 in 2021), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2022Solvency, return and age of the figures
Solvency
-417.3%
Return on assets
-6.4%
Age of the figures
45 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
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2023 close31-07-2024 deadline16-09-2026 today
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 29-09-2023, 60 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
not confirmed
2024
not filed
2023
not filed
2022
60 d late
2021
82 d early
2020
85 d early
2019
77 d early
← before the deadline
after the deadline →
Financials · fiscal year 2022, micro schema
Equity
€-328k▼ 1.6%
2021 · €-323k
2018: €-301k
2019: €-320k
2020: €-322k
2021: €-323k
2018 → 2022
Total assets
€79k▼ 0.2%
2021 · €79k
2018: €93k
2019: €79k
2020: €79k
2021: €79k
2018 → 2022
Net result
€-5k▼ 464%
2021 · €-898
2018: €-298k
2019: €-19k
2020: €-2k
2021: €-898
2018 → 2022
Working capital
€18k▼ 22.4%
2021 · €23k
2018: €93k
2019: €26k
2020: €24k
2021: €23k
2018 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20182019202020212022Trend
Equity€-301k-€-320k▼ 6.2%€-322k▼ 0.8%€-323k▼ 0.3%€-328k▼ 1.6%
Operating result€-296k-€-6k▲ 98.1%€-2k▲ 57.6%€-898▲ 62.9%€-5k▼ 464%
Net result€-298k-€-19k▲ 93.7%€-2k▲ 87.1%€-898▲ 62.9%€-5k▼ 464%
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 €5k in 2022 against €898 in 2021; the loss grows.
Key figures and ratios
Solvency
-417.3%▼
2021 · -410.1%
Current ratio
1.29▼
2021 · 1.40
Quick ratio
1.29▼
2021 · 1.40
Debt / equity
-1.24▲
2021 · -1.24
ROE
1.5%▲
2021 · 0.3%
ROA
-6.4%▼
2021 · -1.1%
Debt
€407k▲
2021 · €402k
Debt ≤ 1 year
€61k▲
2021 · €56k
Debt > 1 year
€346k=
2021 · €346k
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 · 2022 against 2021
Balance sheet
Code20212022
Assets
Total assets20/58€79k€79k▼
Current assets29/58€79k€79k▼
Amounts receivable within one year40/41€19k€19k=
Other amounts receivable41€19k€19k=
Current investments50/53€60k€60k=
Cash at bank and in hand54/58€247€98▼
Equity and liabilities
Total equity and liabilities10/49€79k€79k▼
Equity10/15€-323k€-328k▼
Contributions10/11€19k€19k=
Capital10€19k-
Issued capital100€19k-
Outside capital11-€19k
Other1109/19-€19k
Profit (loss) carried forward14€-342k€-347k▼
Amounts payable17/49€402k€407k▲
Amounts payable after more than one year17€346k€346k=
Financial debts170/4€346k€346k=
Amounts payable within one year42/48€56k€61k▲
Other amounts payable47/48€56k€61k▲
Income statement
Code20212022
Other operating charges640/8-€400
Gross operating margin9900€-898€-5k▼
Operating profit (loss)9901€-898€-5k▼
Profit (loss) for the period before taxes9903€-898€-5k▼
Profit (loss) for the period9904€-898€-5k▼
Profit (loss) for the period to be appropriated9905€-898€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-342k€-347k▼
Profit (loss) brought forward from the previous period14P€-341k€-342k▼
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
10-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
09-05
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
2015
07-05
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema
2014
20-06
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema
NBB filing
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, Arendonk · 1 establishment unit since 2008
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.
Wampenberg 672370 ArendonkGround area
129 m²
Building footprint
131 m²
Volume, LiDAR
1,073 m³
Parcel 13001A1204/00X000, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Harwisch bvba
since 20082.171.444.374
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13001A1204/00X000 | Flanders | 129 m² | 1 · 131 m² | 10.9 m · 3 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded18-04-2008
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.