LITTLE HARMONY
ActiveSummary
LITTLE HARMONY has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €65k and a net result of €23k. Equity is growing by ~63.3% per year across the filed fiscal years. Its solvency ranks better than 50% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability90▲+42
Solvency72▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 4.16 against 4.52 in 2024; short-term debt: 13.1% and cash: 5.1% of total assets), but 52.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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
47.5%
Return on assets
17%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
2 d early
2023
30 d late
2022
13 d early
2021
4 d early
2020
6 d early
2018
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€65k▲ 55.9%
2024 · €42k
2018: €-20klowest value
2020: €-8k
2021: €10k▲ +223% vs 2020
2022: €20k▲ +95.8% vs 2021
2023: €39k▲ +99.1% vs 2022
2024: €42k▲ +6.8% vs 2023
2025: €65k▲ +55.9% vs 2024highest value
2018 → 2025
Total assets
€138k▲ 34.0%
2024 · €103k
2018: €15klowest value
2020: €17k
2021: €22k▲ +27.4% vs 2020
2022: €36k▲ +65.2% vs 2021
2023: €113k▲ +211% vs 2022
2024: €103k▼ -8.8% vs 2023
2025: €138k▲ +34.0% vs 2024highest value
2018 → 2025
Net result
€23k▲ 776%
2024 · €3k
2018: €-21klowest value
2020: €12k
2021: €18k▲ +58.9% vs 2020
2022: €10k▼ -47.2% vs 2021
2023: €20k▲ +103% vs 2022
2024: €3k▼ -86.3% vs 2023
2025: €23k▲ +776% vs 2024highest value
2018 → 2025
Working capital
€57k▲ 55.9%
2024 · €37k
2018: €6k
2020: €-11klowest value
2021: €5k▲ +145% vs 2020
2022: €15k▲ +196% vs 2021
2023: €33k▲ +121% vs 2022
2024: €37k▲ +10.6% vs 2023
2025: €57k▲ +55.9% vs 2024highest value
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€20k▲ 95.8%€39k▲ 99.1%€42k▲ 6.8%€65k▲ 55.9%
2021: €10klowest in 5 years
2022: €20k▲ +95.8% vs 2021
2023: €39k▲ +99.1% vs 2022
2024: €42k▲ +6.8% vs 2023
2025: €65k▲ +55.9% vs 2024highest in 5 years
Operating result€20k-€14k▼ 27.6%€28k▲ 97.3%€6k▼ 78.9%€32k▲ 442%
2021: €20k
2022: €14k▼ -27.6% vs 2021
2023: €28k▲ +97.3% vs 2022
2024: €6k▼ -78.9% vs 2023lowest in 5 years
2025: €32k▲ +442% vs 2024highest in 5 years
Net result€18k-€10k▼ 47.2%€20k▲ 103%€3k▼ 86.3%€23k▲ 776%
2021: €18k
2022: €10k▼ -47.2% vs 2021
2023: €20k▲ +103% vs 2022
2024: €3k▼ -86.3% vs 2023lowest in 5 years
2025: €23k▲ +776% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 442% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €138k
Fixed assets
€63k ▲ 12.1%
Current assets
€75k ▲ 59.8%
Equity and liabilities €138k
Equity
€65k ▲ 55.9%
Debt
€72k ▲ 18.8%
Debt's share of the balance-sheet total falls from 59.2% to 52.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€38k▲
2024 · €10k
Cash flow
€29k▲
2024 · €6k
Current ratio
4.16▼
2024 · 4.52
Debt to equity
1.11▼
2024 · 1.45
ROE
35.9%▲
2024 · 6.4%
ROA
17.0%▲
2024 · 2.6%
Interest coverage
10.18▲
2024 · 3.10
Debt ≤ 1 year
€18k▲
2024 · €10k
Debt > 1 year
€54k▲
2024 · €51k
Income taxes
€7k▲
2024 · €1k
Staff costs
€5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€103k€138k▲
Fixed assets21/28€56k€63k▲
Tangible fixed assets22/27€56k€63k▲
Land and buildings22€55k€53k▼
Plant, machinery and equipment23€215€1k▲
Furniture and vehicles24€540€8k▲
Current assets29/58€47k€75k▲
Stocks and contracts in progress3-€0
Stocks30/36-€0
Amounts receivable within one year40/41€46k€68k▲
Trade receivables40€8k€6k▼
Other amounts receivable41€38k€62k▲
Cash at bank and in hand54/58€709€7k▲
Deferred charges and accrued income490/1€426€748▲
Equity and liabilities
Total equity and liabilities10/49€103k€138k▲
Equity10/15€42k€65k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€22k€45k▲
Amounts payable17/49€61k€72k▲
Amounts payable after more than one year17€51k€54k▲
Financial debts170/4€51k€54k▲
Amounts payable within one year42/48€10k€18k▲
Current portion of amounts payable after more than one year42€3k€6k▲
Financial debts43€2k€0▼
Credit institutions430/8€2k€0▼
Trade debts44€1k€5k▲
Suppliers440/4€1k€5k▲
Taxes, remuneration and social security45€4k€8k▲
Taxes450/3€4k€7k▲
Remuneration and social security454/9€0€1k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Remuneration, social security and pensions62-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€3k-
Gross operating margin9900€14k€45k▲
Operating profit (loss)9901€6k€32k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€4k€30k▲
Income taxes67/77€1k€7k▲
Profit (loss) for the period9904€3k€23k▲
Profit (loss) for the period to be appropriated9905€3k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€45k▲
Profit (loss) brought forward from the previous period14P€19k€22k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | - | €5k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €2k | €3k | €4k | €6k | ▲ 56.0% |
| Other operating charges640/8 | €4k | €2k | €1k | €1k | €1k | ▲ 33.5% |
| Non-recurring operating charges66A | - | - | - | €3k | - | - |
| Gross operating margin9900 | €25k | €18k | €32k | €14k | €45k | ▲ 225% |
| Operating profit (loss)9901 | €20k | €14k | €28k | €6k | €32k | ▲ 442% |
| Financial income75/76B | - | €263 | €2k | €1k | €2k | ▲ 32.6% |
| Recurring financial income75 | - | €263 | €2k | €1k | €2k | ▲ 32.6% |
| Financial charges65/66B | €1k | €919 | €2k | €3k | €4k | ▲ 20.8% |
| Recurring financial charges65 | €1k | €919 | €2k | €3k | €4k | ▲ 20.8% |
| Profit (loss) for the period before taxes9903 | €19k | €14k | €28k | €4k | €30k | ▲ 639% |
| Income taxes67/77 | €431 | €4k | €8k | €1k | €7k | ▲ 380% |
| Profit (loss) for the period9904 | €18k | €10k | €20k | €3k | €23k | ▲ 776% |
| Profit (loss) for the period to be appropriated9905 | €18k | €10k | €20k | €3k | €23k | ▲ 776% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €22k | €36k | €113k | €103k | €138k | ▲ 34.0% |
| Fixed assets21/28 | €5k | €5k | €60k | €56k | €63k | ▲ 12.1% |
| Tangible fixed assets22/27 | €5k | €5k | €60k | €56k | €63k | ▲ 12.1% |
| Land and buildings22 | - | - | €57k | €55k | €53k | ▼ 2.9% |
| Plant, machinery and equipment23 | €879 | €2k | €1k | €215 | €1k | ▲ 429% |
| Furniture and vehicles24 | €4k | €3k | €2k | €540 | €8k | ▲ 1,379% |
| Current assets29/58 | €17k | €32k | €53k | €47k | €75k | ▲ 59.8% |
| Stocks and contracts in progress3 | - | - | - | - | €0 | - |
| Stocks30/36 | - | - | - | - | €0 | - |
| Amounts receivable within one year40/41 | €10k | €29k | €53k | €46k | €68k | ▲ 46.9% |
| Trade receivables40 | €9k | €10k | €11k | €8k | €6k | ▼ 31.3% |
| Other amounts receivable41 | €916 | €18k | €42k | €38k | €62k | ▲ 64.4% |
| Cash at bank and in hand54/58 | €7k | €3k | - | €709 | €7k | ▲ 888% |
| Deferred charges and accrued income490/1 | - | - | €2 | €426 | €748 | ▲ 75.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €22k | €36k | €113k | €103k | €138k | ▲ 34.0% |
| Equity10/15 | €10k | €20k | €39k | €42k | €65k | ▲ 55.9% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Outside capital11 | - | €19k | €19k | €19k | €19k | = |
| Other1109/19 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €0 | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €0 | - | - |
| Distributable reserves133 | - | - | - | €2k | €2k | = |
| Profit (loss) carried forward14 | €-10k | €-717 | €19k | €22k | €45k | ▲ 109% |
| Amounts payable17/49 | €12k | €17k | €74k | €61k | €72k | ▲ 18.8% |
| Amounts payable after more than one year17 | - | - | €54k | €51k | €54k | ▲ 7.6% |
| Financial debts170/4 | - | - | €54k | €51k | €54k | ▲ 7.6% |
| Amounts payable within one year42/48 | €12k | €17k | €20k | €10k | €18k | ▲ 73.6% |
| Current portion of amounts payable after more than one year42 | €5k | - | €4k | €3k | €6k | ▲ 65.8% |
| Financial debts43 | - | - | €4k | €2k | €0 | ▼ 100% |
| Credit institutions430/8 | - | - | €4k | €2k | €0 | ▼ 100% |
| Trade debts44 | €973 | €12k | €3k | €1k | €5k | ▲ 232% |
| Suppliers440/4 | €973 | €12k | €3k | €1k | €5k | ▲ 232% |
| Taxes, remuneration and social security45 | €657 | €4k | €9k | €4k | €8k | ▲ 116% |
| Taxes450/3 | €657 | €4k | €9k | €4k | €7k | ▲ 85.4% |
| Remuneration and social security454/9 | - | - | - | €0 | €1k | - |
| Other amounts payable47/48 | €5k | - | - | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18k | €10k | €20k | €3k | €23k | ▲ 776% |
| + Depreciation and write-downs630 | €2k | €2k | €3k | €4k | €6k | ▲ 56.0% |
| Operating cash flow (approximation) | €20k | €12k | €22k | €6k | €29k | ▲ 364% |
| Investment in fixed assets (approximation) | - | €-2k | €-58k | €681 | €-12k | ▼ 1,917% |
| Change in cash | - | €-4k | - | - | €6k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €23k ▲776%
Operating result €32k, net result €23k, both a record.
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
17-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity triplescurrent ratio 1.42
Current ratio from 0.51 to 1.42; short-term debt falls from €23k to €12k.
24-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 486 days late
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 851 days late
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 70 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Chaudfontaine · 1 establishment unit since 1991
Ground area
83 m²
Building footprint
113 m²
Volume, LiDAR
617 m³
Parcel 62030A0264/00A002, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Joseph Deflandre 135, 4053 Chaudfontaine
since 19912.052.725.183
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62030A0264/00A002 | Wallonia | 83 m² | 1 · 113 m² | 7.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 7,289 companies in sector 43350 we hold annual accounts for 2,362. 2,006 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-03-1991
Fiscal year end30-09
Activities, NACEBEL 2025
43350Other building finishing work
43990Other specialised construction activities
43240Other construction installation
46130Agents in the wholesale of timber and building materials
81300Landscape service activities
Scores and ratios are computed by Checked and are not a credit decision.