MARIKA HARJULA
ActiveMARIKA HARJULA has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €206k and a net result of €232k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 36% of 12708 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency67▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 1.71 against 1.5 in 2024; short-term debt: 58.4% and cash: 79.2% of total assets), but 58.4% 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 69
Relative position
BE, all sectors
reference
Sector 69
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
41.6%
Return on assets
46.7%
Age of the figures
10 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
neutral · Latest accounts filed on time
The financial year that closed on 30-11-2025 was due by 30-06-2026 and was filed on 01-06-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
46 d early
2023
6 d early
2022
42 d early
2021
36 d early
2020
15 d early
2019
7 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-11-2026 and is due by 30-06-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-11-2026 close30-06-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€206k▲ 11.7%
2024 · €185k
2018: €173k
2019: €253k
2020: €117k
2021: €213k
2022: €197k
2023: €305k
2024: €185k
2018 → 2025
Total assets
€496k▼ 10.7%
2024 · €555k
2018: €471k
2019: €536k
2020: €608k
2021: €447k
2022: €566k
2023: €409k
2024: €555k
2018 → 2025
Net result
€232k▲ 22.4%
2024 · €189k
2018: €93k
2019: €129k
2020: €149k
2021: €146k
2022: €284k
2023: €158k
2024: €189k
2018 → 2025
Working capital
€206k▲ 11.8%
2024 · €184k
2018: €101k
2019: €168k
2020: €20k
2021: €102k
2022: €197k
2023: €305k
2024: €184k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€213k-€197k▼ 7.3%€305k▲ 54.8%€185k▼ 39.5%€206k▲ 11.7%
Operating result€174k-€362k▲ 108%€187k▼ 48.3%€226k▲ 20.4%€283k▲ 25.5%
Net result€146k-€284k▲ 95.0%€158k▼ 44.4%€189k▲ 19.8%€232k▲ 22.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 25% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €496k
Fixed assets
€250=
Current assets
€496k▼ 10.7%
Equity and liabilities €496k
Equity
€206k▲ 11.7%
Debt
€290k▼ 21.8%
The debt ratio falls from 66.7% to 58.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
41.6%▲
2024 · 33.3%
Current ratio
1.71▲
2024 · 1.50
Quick ratio
1.71▲
2024 · 1.50
Debt / equity
1.40▼
2024 · 2.01
ROE
112.3%▲
2024 · 102.5%
ROA
46.7%▲
2024 · 34.1%
Debt
€290k▼
2024 · €371k
Debt ≤ 1 year
€290k▼
2024 · €371k
Income taxes
€57k▲
2024 · €40k
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€555k€496k▼
Fixed assets21/28€250€250=
Financial fixed assets28€250€250=
Current assets29/58€555k€496k▼
Amounts receivable within one year40/41€95k€103k▲
Other amounts receivable41€95k€103k▲
Cash at bank and in hand54/58€460k€393k▼
Equity and liabilities
Total equity and liabilities10/49€555k€496k▼
Equity10/15€185k€206k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€170k€192k▲
Amounts payable17/49€371k€290k▼
Amounts payable within one year42/48€371k€290k▼
Trade debts44€444€59▼
Suppliers440/4€444€59▼
Taxes, remuneration and social security45€135k€125k▼
Taxes450/3€135k€125k▼
Other amounts payable47/48€235k€165k▼
Income statement
Code20242025
Remuneration, social security and pensions62€4k-
Other operating charges640/8€822€400▼
Gross operating margin9900€230k€283k▲
Operating profit (loss)9901€226k€283k▲
Financial income75/76B€4k€6k▲
Recurring financial income75€4k€6k▲
Financial charges65/66B€299€485▲
Recurring financial charges65€299€485▲
Profit (loss) for the period before taxes9903€229k€289k▲
Income taxes67/77€40k€57k▲
Profit (loss) for the period9904€189k€232k▲
Profit (loss) for the period to be appropriated9905€189k€232k▲
Appropriation of the result
Profit (loss) to be appropriated9906€480k€402k▼
Profit (loss) brought forward from the previous period14P€291k€170k▼
Profit to be distributed694/7€310k€210k▼
Return on contributions (dividend)694€250k€150k▼
Directors or managers695€60k€60k=
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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-11
Financial
Equity above €200kEq €206k ▲11.7%
8 profitable years in a row build equity to €206k.
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-11
Financial
Liquidity triplescurrent ratio 3.96
Current ratio from 1.54 to 3.96; short-term debt falls from €369k to €103k.
30-11
Financial
Equity above €200kEq €305k ▲54.8%
6 profitable years in a row build equity to €305k.
19-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-11
Financial
Highest result since 2018net €284k ▲95%
Operating result €362k, net result €284k, both a record.
25-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-11
Financial
Equity above €200kEq €213k ▲82%
4 profitable years in a row build equity to €213k.
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-11
Financial
Equity above €200kEq €253k ▲45.8%
2 profitable years in a row build equity to €253k.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
17-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Oudergem · 1 establishment unit since 2013
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.
Argussenlaan 51160 OudergemGround area
189 m²
Building footprint
114 m²
Volume, LiDAR
1,227 m³
2 parcels, Brussels · tallest building 16.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Establishment
since 20132.218.016.351
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21002A0140/00Z002 | Brussels | 125 m² | 1 · 51 m² | 11.1 m · 3 fl. |
| 21808H1736/00A000 | Brussels | 64 m² | 1 · 63 m² | 16.9 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 22,055 companies in sector 69101 we hold annual accounts for 9,053. 7,200 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-03-2013
Fiscal year end30-11
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.