Summary
The Harbour Kmo-financiering is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €11k and a net result of €354. Its solvency ranks better than 29% of 3323 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-02-2025, 174 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
174 d early
2023
37 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€11k▲ 3.4%
2023 · €10k
2023: €10k
2023 → 2024
Net result
€354▼ 15.9%
2023 · €421
2023: €421
2023 → 2024
Total assets
€41k▼ 4.0%
2023 · €43k
2023: €43k
2023 → 2024
Solvency
26.4%▲ 1.9pp
2023 · 24.5%
2023: 24.5%
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€10k-€11k▲ 3.4%
Operating result€1k-€1k▲ 14.0%
Net result€421-€354▼ 15.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 14% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €41k
Equity
€11k ▲ 3.4%
Debt
€30k ▼ 6.4%
Debt's share of the balance-sheet total falls from 75.5% to 73.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
3.3%▼
2023 · 4.0%
ROA
0.9%▼
2023 · 1.0%
Debt ≤ 1 year
€30k▼
2023 · €32k
Income taxes
€107▼
2023 · €626
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 · 2024 against 2023 · 33 lines
Balance sheet
Code20232024
Assets
Total assets20/58€43k€41k▼
Current assets29/58€43k€41k▼
Amounts receivable within one year40/41€22k€19k▼
Trade receivables40€22k€17k▼
Other amounts receivable41€372€2k▲
Cash at bank and in hand54/58€14k€14k▼
Deferred charges and accrued income490/1€6k€9k▲
Equity and liabilities
Total equity and liabilities10/49€43k€41k▼
Equity10/15€10k€11k▲
Contributions10/11€10k€10k=
Reserves13€421€421=
Distributable reserves133€421€421=
Profit (loss) carried forward14-€354
Amounts payable17/49€32k€30k▼
Amounts payable within one year42/48€32k€30k▼
Trade debts44€31k€30k▼
Suppliers440/4€31k€30k▼
Taxes, remuneration and social security45€1k€107▼
Taxes450/3€1k€107▼
Income statement
Code20232024
Other operating charges640/8€1k€517▼
Gross operating margin9900€2k€2k▼
Operating profit (loss)9901€1k€1k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€19€753▲
Recurring financial charges65€19€753▲
Profit (loss) for the period before taxes9903€1k€462▼
Income taxes67/77€626€107▼
Profit (loss) for the period9904€421€354▼
Profit (loss) for the period to be appropriated9905€421€354▼
Appropriation of the result
Profit (loss) to be appropriated9906€421€354▼
Transfer to equity691/2€421-
To other reserves6921€421-
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
2025
07-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
NBB filing
Directors · office · real estate
Directors
6 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, Gent · 1 establishment unit since 2022
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.
Moutstraat 809000 GentGround area
2.0 ha
Building footprint
1,372 m²
Volume, LiDAR
38,274 m³
Parcel 44808H0324/00F000, Flanders · tallest building 32.4 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
The Harbour KMO-Financiering
since 20222.331.144.976
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44808H0324/00F000 | Flanders | 2.0 ha | 1 · 1,372 m² | 32.4 m · 9 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.
Similar companies · same sector, comparable size
WinWinner Crowd
BE 0723.682.356
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FINLIFE
BE 0480.666.375
Waterloo · Eq €11,095
Magnus Invest
BE 0791.811.790
Kalmthout · Eq €11,100
EUREKA MONS
BE 0463.276.156
Mons · Eq €10,362
Altrimondi
BE 0733.715.423
Kapelle-op-den-Bos · Eq €11,303
Of 1,507 companies in sector 66199 we hold annual accounts for 917. 326 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-2022
Fiscal year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
46190Agents in non-specialised wholesale trade
64190Financial service activities, except insurance and pension funding
70200Business and other management consultancy
73200Market research and public opinion polling
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@theharbour.be