STYLE & HARMONY
ActiveSummary
STYLE & HARMONY has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111,266 and a net result of -€12,609. Equity is shrinking by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 40% of 1099 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability28▼-33
Solvency47=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity short (current ratio 0.67 against 0.87 in 2024; short-term debt: 27.9% and cash: 3.6% of total assets), and 78.3% of the assets are financed with debt.
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Signals
Five 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 · 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
21.7%
Return on assets
-2.5%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
108 d early
2023
120 d early
2022
103 d early
2021
96 d early
2020
116 d early
2019
52 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 82 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 19 April (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€111,266▼ 10.2%
2024 · €123,874
Total assets
€511,603▼ 7.4%
2024 · €552,253
Net result
-€12,609
2024 · €30,932
Working capital
-€46,849▼ 148%
2024 · -€18,879
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€28,126▲ 37.5%-€6,588▲ 76.6%€2,415€46,682▲ 1,833%€3,538▼ 92.4%
Net result-€46,611below the sector's middle half▲ 28.4%-€24,486below the sector's middle half▲ 47.5%-€14,137below the sector's middle half▲ 42.3%€30,932above the sector's middle half-€12,609below the sector's middle half
Equity€131,566above the sector's middle half▼ 26.2%€107,080above the sector's middle half▼ 18.6%€92,942above the sector's middle half▼ 13.2%€123,874above the sector's middle half▲ 33.3%€111,266within the sector's middle half▼ 10.2%
Total assets€585,332above the sector's middle half▼ 11.1%€542,721above the sector's middle half▼ 7.3%€509,211above the sector's middle half▼ 6.2%€552,253above the sector's middle half▲ 8.5%€511,603within the sector's middle half▼ 7.4%
Debt€453,767▼ 5.5%€435,642▼ 4.0%€416,269▼ 4.4%€428,379▲ 2.9%€400,338▼ 6.5%
Working capital€28,115within the sector's middle half▼ 60.6%€6within the sector's middle half▼ 100.0%-€19,862within the sector's middle half-€18,879within the sector's middle half▲ 4.9%-€46,849below the sector's middle half▼ 148%
Solvency22.5%within the sector's middle half▼ 4.6pp19.7%within the sector's middle half▼ 2.7pp18.3%within the sector's middle half▼ 1.5pp22.4%within the sector's middle half▲ 4.2pp21.7%within the sector's middle half▼ 0.7pp
Current ratio1.34within the sector's middle half▼ 0.551.00within the sector's middle half▼ 0.340.81within the sector's middle half▼ 0.190.87within the sector's middle half▲ 0.060.67within the sector's middle half▼ 0.19
Return on assets (ROA)-8.0%below the sector's middle half▲ 1.9pp-4.5%within the sector's middle half▲ 3.5pp-2.8%within the sector's middle half▲ 1.7pp5.6%within the sector's middle half▲ 8.4pp-2.5%within the sector's middle half▼ 8.1pp
Staff (FTE)1▲ 233%1=0.6▼ 40.0%
above
within
below
the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 92% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €511,603
Fixed assets
€415,483 ▼ 3.5%
Current assets
€96,120 ▼ 21.0%
Equity and liabilities €511,603
Equity
€111,266 ▼ 10.2%
Debt
€400,338 ▼ 6.5%
Debt's share of the balance-sheet total rises from 77.6% to 78.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€22,254▼
2024 · €62,860
Cash flow
€6,107▼
2024 · €47,111
Quick ratio
0.23▼
2024 · 0.36
Debt to equity
3.60▲
2024 · 3.46
ROE
-11.3%▼
2024 · 25.0%
Interest coverage
1.45▼
2024 · 4.20
Debt ≤ 1 year
€142,970▲
2024 · €140,510
Debt > 1 year
€257,368▼
2024 · €287,854
Income taxes
€829▲
2024 · €798
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,507 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 10 to 30%
- a small loss
1.6%
went bankrupt
1.8%
stopped otherwise
96%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,507 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €8,837 | €7,939 | €307 | €27 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €32,474 | €31,611 | €20,986 | €16,179 | €18,716 | ▲ 15.7% |
| Other operating charges640/8 | €4,841 | €4,049 | €4,415 | €4,593 | €3,125 | ▼ 32.0% |
| Gross operating margin9900 | €18,026 | €37,010 | €28,122 | €67,481 | €25,379 | ▼ 62.4% |
| Operating profit (loss)9901 | -€28,126 | -€6,588 | €2,415 | €46,682 | €3,538 | ▼ 92.4% |
| Financial income75/76B | €63 | €338 | €4 | €27 | €43 | ▲ 56.7% |
| Recurring financial income75 | €63 | €338 | €4 | €27 | €43 | ▲ 56.7% |
| Financial charges65/66B | €17,744 | €17,405 | €15,716 | €14,979 | €15,362 | ▲ 2.6% |
| Recurring financial charges65 | €17,744 | €17,405 | €15,716 | €14,979 | €15,362 | ▲ 2.6% |
| Profit (loss) for the period before taxes9903 | -€45,807 | -€23,656 | -€13,297 | €31,730 | -€11,780 | ▼ 137% |
| Income taxes67/77 | €804 | €830 | €841 | €798 | €829 | ▲ 3.8% |
| Profit (loss) for the period9904 | -€46,611 | -€24,486 | -€14,137 | €30,932 | -€12,609 | ▼ 141% |
| Profit (loss) for the period to be appropriated9905 | -€46,611 | -€24,486 | -€14,137 | €30,932 | -€12,609 | ▼ 141% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €585,332 | €542,721 | €509,211 | €552,253 | €511,603 | ▼ 7.4% |
| Fixed assets21/28 | €473,914 | €447,080 | €426,094 | €430,622 | €415,483 | ▼ 3.5% |
| Intangible fixed assets21 | €192 | - | - | €7,415 | €5,914 | ▼ 20.2% |
| Tangible fixed assets22/27 | €473,358 | €446,717 | €425,731 | €422,845 | €409,206 | ▼ 3.2% |
| Land and buildings22 | €454,816 | €437,819 | €422,110 | €409,271 | €396,284 | ▼ 3.2% |
| Plant, machinery and equipment23 | €3,293 | €3,745 | €2,046 | €1,148 | €897 | ▼ 21.8% |
| Furniture and vehicles24 | €15,250 | €5,152 | €1,574 | €12,426 | €12,025 | ▼ 3.2% |
| Financial fixed assets28 | €363 | €363 | €363 | €363 | €363 | = |
| Current assets29/58 | €111,418 | €95,642 | €83,117 | €121,631 | €96,120 | ▼ 21.0% |
| Stocks and contracts in progress3 | €55,467 | €71,105 | €61,835 | €71,614 | €62,752 | ▼ 12.4% |
| Stocks30/36 | €55,467 | €71,105 | €61,835 | €71,614 | €62,752 | ▼ 12.4% |
| Amounts receivable within one year40/41 | €10,387 | €11,465 | €11,425 | €19,610 | €14,290 | ▼ 27.1% |
| Trade receivables40 | €9,960 | €11,231 | €11,265 | €19,363 | €14,106 | ▼ 27.2% |
| Other amounts receivable41 | €427 | €234 | €159 | €247 | €184 | ▼ 25.2% |
| Cash at bank and in hand54/58 | €43,739 | €11,237 | €7,401 | €28,870 | €18,587 | ▼ 35.6% |
| Deferred charges and accrued income490/1 | €1,825 | €1,835 | €2,456 | €1,537 | €492 | ▼ 68.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €585,332 | €542,721 | €509,211 | €552,253 | €511,603 | ▼ 7.4% |
| Equity10/15 | €131,566 | €107,080 | €92,942 | €123,874 | €111,266 | ▼ 10.2% |
| Contributions10/11 | €49,579 | €49,579 | €49,579 | €49,579 | €49,579 | = |
| Reserves13 | €146,826 | €146,826 | €146,826 | €146,826 | €146,826 | = |
| Non-distributable reserves130/1 | €4,958 | €4,958 | - | - | €258 | - |
| Reserves not available under the articles1311 | €4,958 | €4,958 | - | - | - | - |
| Other1319 | - | - | - | - | €258 | - |
| Distributable reserves133 | €141,868 | €141,868 | €146,826 | €146,826 | €146,568 | ▼ 0.2% |
| Profit (loss) carried forward14 | -€64,839 | -€89,325 | -€103,462 | -€72,530 | -€85,139 | ▼ 17.4% |
| Amounts payable17/49 | €453,767 | €435,642 | €416,269 | €428,379 | €400,338 | ▼ 6.5% |
| Amounts payable after more than one year17 | €370,463 | €340,006 | €313,290 | €287,854 | €257,368 | ▼ 10.6% |
| Financial debts170/4 | €370,463 | €340,006 | €313,290 | €287,854 | €257,368 | ▼ 10.6% |
| Amounts payable within one year42/48 | €83,303 | €95,636 | €102,978 | €140,510 | €142,970 | ▲ 1.8% |
| Current portion of amounts payable after more than one year42 | €29,391 | €30,457 | €26,716 | €33,065 | €30,487 | ▼ 7.8% |
| Trade debts44 | €2,446 | €6,519 | €7,023 | €2,783 | €2,468 | ▼ 11.3% |
| Suppliers440/4 | €2,446 | €6,519 | €7,023 | €2,783 | €2,468 | ▼ 11.3% |
| Advances received on contracts in progress46 | - | €3,095 | - | - | - | - |
| Taxes, remuneration and social security45 | €2,533 | €6,986 | €10,801 | €6,122 | €10,338 | ▲ 68.9% |
| Taxes450/3 | €1,218 | €2,409 | €10,801 | €3,772 | €6,488 | ▲ 72.0% |
| Remuneration and social security454/9 | €1,316 | €4,578 | - | €2,350 | €3,850 | ▲ 63.8% |
| Other amounts payable47/48 | €48,933 | €48,578 | €58,439 | €98,540 | €99,677 | ▲ 1.2% |
| Accrued charges and deferred income492/3 | - | - | - | €14 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€46,611 | -€24,486 | -€14,137 | €30,932 | -€12,609 | ▼ 141% |
| + Depreciation and write-downs630 | €32,474 | €31,611 | €20,986 | €16,179 | €18,716 | ▲ 15.7% |
| Operating cash flow (approximation) | -€14,137 | €7,125 | €6,848 | €47,111 | €6,107 | ▼ 87.0% |
| Investment in fixed assets (approximation) | - | -€4,776 | €0 | -€20,707 | -€3,577 | ▲ 82.7% |
| Change in cash | - | -€32,502 | -€3,836 | €21,469 | -€10,283 | ▼ 148% |
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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
14-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €30,932
Net result €30,932 after 4 loss-making years.
31-12
Financial
Equity above €100,000Eq €123,874 ▲33.3%
Equity rises from €92,942 to €123,874.
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet -€65,058
Net result drops to -€65,058, the lowest in the series; recovery starts the following year.
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Braine-le-Château · 2 establishment units since 1996
Ground area
5,069 m²
Building footprint
231 m²
Volume, LiDAR
2,640 m³
2 parcels, Wallonia · tallest building 14.8 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
STYLE & HARMONY
since 19962.076.327.659
STYLE et HARMONY
since 20142.253.802.126
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25744E1351/00A000 | Wallonia | 4,472 m² | 1 · 178 m² | 14.8 m · 4 fl. |
| 25111A0622/00S000 | Wallonia | 597 m² | 1 · 53 m² | 11.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 6,992 companies in this sector we hold annual accounts for 603. 426 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded15-04-1996
Fiscal year end31-12
Activities, NACEBEL 2025
96999Other personal services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0457638278
Also
9925:BE0457638278
Registered
19-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.