HARMONEY
ActiveSummary
HARMONEY has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.07M and a net result of €-979k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 52% of 179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability16▼-54
Solvency69▼-15
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €240k at 30 days acceptable
Liquidity short (current ratio 0.58 against 0.89 in 2024; short-term debt: 21% and cash: 0.1% of total assets), and 56.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
about 52% fewer bankruptcies
← 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
43.7%
Return on assets
-10.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2024
36 d early
2023
on the day
2022
on the day
2021
20 d early
2020
22 d early
2019
108 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-979k
2024 · €76k
2018: €-334k
2019: €-566k▼ -69.4% vs 2018
2020: €-608k▼ -7.4% vs 2019
2021: €-569k▲ +6.5% vs 2020
2022: €-310k▲ +45.4% vs 2021
2023: €-504k▼ -62.5% vs 2022
2024: €76k▲ +115% vs 2023highest in 8 years
2025: €-979k▼ -1397% vs 2024lowest in 8 years
2018 → 2025
Working capital
€-820k▼ 492%
2024 · €-139k
2018: €1.19Mhighest in 8 years
2019: €297k▼ -75.1% vs 2018
2020: €140k▼ -53.0% vs 2019
2021: €-388k▼ -378% vs 2020
2022: €-324k▲ +16.4% vs 2021
2023: €323k▲ +200% vs 2022
2024: €-139k▼ -143% vs 2023
2025: €-820k▼ -492% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€603k-€1.42M▲ 135%€1.91M▲ 35.0%€5.05M▲ 164%€4.07M▼ 19.4%
2021: €603klowest in 5 years
2022: €1.42M▲ +135% vs 2021
2023: €1.91M▲ +35.0% vs 2022
2024: €5.05M▲ +164% vs 2023highest in 5 years
2025: €4.07M▼ -19.4% vs 2024
Operating result€-582k-€-308k▲ 47.1%€-503k▼ 63.1%€117k€-1.09M
2021: €-582k
2022: €-308k▲ +47.1% vs 2021
2023: €-503k▼ -63.1% vs 2022
2024: €117k▲ +123% vs 2023highest in 5 years
2025: €-1.09M▼ -1028% vs 2024lowest in 5 years
Net result€-569k-€-310k▲ 45.4%€-504k▼ 62.5%€76k€-979k
2021: €-569k
2022: €-310k▲ +45.4% vs 2021
2023: €-504k▼ -62.5% vs 2022
2024: €76k▲ +115% vs 2023highest in 5 years
2025: €-979k▼ -1397% vs 2024lowest in 5 years
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1.09M after €117k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €9.33M
Fixed assets
€8.18M ▲ 9.2%
Current assets
€1.14M ▲ 6.7%
Equity and liabilities €9.33M
Equity
€4.07M ▼ 19.4%
Debt
€5.25M ▲ 49.5%
Debt's share of the balance-sheet total rises from 41.0% to 56.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€195k▼
2024 · €933k
Cash flow
€303k▼
2024 · €892k
Current ratio
0.58▼
2024 · 0.89
Debt to equity
1.29▲
2024 · 0.70
ROE
-24.0%▼
2024 · 1.5%
ROA
-10.5%▼
2024 · 0.9%
Interest coverage
1.28▼
2024 · 6.03
Debt ≤ 1 year
€1.96M▲
2024 · €1.21M
Debt > 1 year
€3.19M▲
2024 · €2.31M
Income taxes
€-55k▲
2024 · €-113k
Staff costs
€1.06M▲
2024 · €882k
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€8.57M€9.33M▲
Fixed assets21/28€7.50M€8.18M▲
Intangible fixed assets21€3.95M€4.61M▲
Tangible fixed assets22/27€37k€70k▲
Plant, machinery and equipment23€27k€20k▼
Furniture and vehicles24€10k€39k▲
Other tangible fixed assets26-€11k
Financial fixed assets28€3.51M€3.51M=
Current assets29/58€1.07M€1.14M▲
Amounts receivable after more than one year29€270k€301k▲
Other amounts receivable291€270k€301k▲
Amounts receivable within one year40/41€680k€792k▲
Trade receivables40€671k€711k▲
Other amounts receivable41€9k€81k▲
Current investments50/53€0-
Cash at bank and in hand54/58€86k€12k▼
Deferred charges and accrued income490/1€35k€38k▲
Equity and liabilities
Total equity and liabilities10/49€8.57M€9.33M▲
Equity10/15€5.05M€4.07M▼
Contributions10/11€8.04M€8.04M=
Capital10€8.04M€8.04M=
Issued capital100€8.04M€8.04M=
Profit (loss) carried forward14€-2.99M€-3.97M▼
Amounts payable17/49€3.51M€5.25M▲
Amounts payable after more than one year17€2.31M€3.19M▲
Financial debts170/4€2.31M€3.19M▲
Amounts payable within one year42/48€1.21M€1.96M▲
Current portion of amounts payable after more than one year42€445k€572k▲
Financial debts43€10k€382k▲
Credit institutions430/8€10k€382k▲
Trade debts44€536k€732k▲
Suppliers440/4€536k€732k▲
Taxes, remuneration and social security45€211k€251k▲
Taxes450/3€37k€35k▼
Remuneration and social security454/9€174k€216k▲
Other amounts payable47/48€7k€27k▲
Accrued charges and deferred income492/3€0€104k▲
Income statement
Code20242025
Remuneration, social security and pensions62€882k€1.06M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€816k€1.28M▲
Other operating charges640/8€6k€2k▼
Non-recurring operating charges66A-€3k
Gross operating margin9900€1.82M€1.26M▼
Operating profit (loss)9901€117k€-1.09M▼
Financial income75/76B€385€205k▲
Recurring financial income75€385€205k▲
Financial charges65/66B€155k€153k▼
Recurring financial charges65€155k€153k▼
Profit (loss) for the period before taxes9903€-37k€-1.03M▼
Income taxes67/77€-113k€-55k▲
Profit (loss) for the period9904€76k€-979k▼
Profit (loss) for the period to be appropriated9905€76k€-979k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2.99M€-3.97M▼
Profit (loss) brought forward from the previous period14P€-3.06M€-2.99M▲
Social balance
Average headcount (FTE)908710.711.9▲
The notes to these accounts (27 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 | €392k | €506k | €713k | €882k | €1.06M | ▲ 19.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €813k | €800k | €898k | €816k | €1.28M | ▲ 57.1% |
| Other operating charges640/8 | €2k | €3k | €6k | €6k | €2k | ▼ 58.2% |
| Non-recurring operating charges66A | - | - | - | - | €3k | - |
| Gross operating margin9900 | €625k | €1.00M | €1.12M | €1.82M | €1.26M | ▼ 31.0% |
| Operating profit (loss)9901 | €-582k | €-308k | €-503k | €117k | €-1.09M | ▼ 1,028% |
| Financial income75/76B | €6 | €69 | €2k | €385 | €205k | ▲ 53,164% |
| Recurring financial income75 | €6 | €69 | €2k | €385 | €205k | ▲ 53,164% |
| Financial charges65/66B | €22k | €44k | €57k | €155k | €153k | ▼ 1.0% |
| Recurring financial charges65 | €22k | €44k | €57k | €155k | €153k | ▼ 1.0% |
| Profit (loss) for the period before taxes9903 | €-604k | €-352k | €-558k | €-37k | €-1.03M | ▼ 2,683% |
| Income taxes67/77 | €-35k | €-41k | €-54k | €-113k | €-55k | ▲ 50.9% |
| Profit (loss) for the period9904 | €-569k | €-310k | €-504k | €76k | €-979k | ▼ 1,397% |
| Profit (loss) for the period to be appropriated9905 | €-569k | €-310k | €-504k | €76k | €-979k | ▼ 1,397% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.96M | €2.61M | €4.06M | €8.57M | €9.33M | ▲ 8.9% |
| Fixed assets21/28 | €1.49M | €1.95M | €2.77M | €7.50M | €8.18M | ▲ 9.2% |
| Intangible fixed assets21 | €1.46M | €1.91M | €2.72M | €3.95M | €4.61M | ▲ 16.6% |
| Tangible fixed assets22/27 | €24k | €21k | €38k | €37k | €70k | ▲ 89.0% |
| Plant, machinery and equipment23 | €2k | €9k | €35k | €27k | €20k | ▼ 26.4% |
| Furniture and vehicles24 | €5k | €4k | €3k | €10k | €39k | ▲ 293% |
| Leasing and similar rights25 | €16k | €8k | €0 | - | - | - |
| Other tangible fixed assets26 | - | - | - | - | €11k | - |
| Financial fixed assets28 | €9k | €20k | €11k | €3.51M | €3.51M | = |
| Current assets29/58 | €468k | €650k | €1.29M | €1.07M | €1.14M | ▲ 6.7% |
| Amounts receivable after more than one year29 | €70k | €111k | €165k | €270k | €301k | ▲ 11.6% |
| Other amounts receivable291 | €70k | €111k | €165k | €270k | €301k | ▲ 11.6% |
| Amounts receivable within one year40/41 | €131k | €379k | €986k | €680k | €792k | ▲ 16.4% |
| Trade receivables40 | €61k | €372k | €985k | €671k | €711k | ▲ 6.0% |
| Other amounts receivable41 | €70k | €7k | €774 | €9k | €81k | ▲ 759% |
| Current investments50/53 | - | - | €49k | €0 | - | - |
| Cash at bank and in hand54/58 | €228k | €156k | €75k | €86k | €12k | ▼ 85.7% |
| Deferred charges and accrued income490/1 | €40k | €5k | €15k | €35k | €38k | ▲ 8.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.96M | €2.61M | €4.06M | €8.57M | €9.33M | ▲ 8.9% |
| Equity10/15 | €603k | €1.42M | €1.91M | €5.05M | €4.07M | ▼ 19.4% |
| Contributions10/11 | €2.85M | €3.98M | €4.98M | €8.04M | €8.04M | = |
| Capital10 | €2.85M | €3.98M | €4.98M | €8.04M | €8.04M | = |
| Issued capital100 | €2.85M | €3.98M | €4.98M | €8.04M | €8.04M | = |
| Profit (loss) carried forward14 | €-2.25M | €-2.56M | €-3.06M | €-2.99M | €-3.97M | ▼ 32.8% |
| Amounts payable17/49 | €1.35M | €1.19M | €2.15M | €3.51M | €5.25M | ▲ 49.5% |
| Amounts payable after more than one year17 | €480k | €212k | €1.15M | €2.31M | €3.19M | ▲ 38.2% |
| Financial debts170/4 | €480k | €212k | €1.15M | €2.31M | €3.19M | ▲ 38.2% |
| Amounts payable within one year42/48 | €856k | €975k | €966k | €1.21M | €1.96M | ▲ 62.3% |
| Current portion of amounts payable after more than one year42 | €43k | €68k | €63k | €445k | €572k | ▲ 28.4% |
| Financial debts43 | €505k | €506k | €254k | €10k | €382k | ▲ 3,910% |
| Credit institutions430/8 | €505k | €506k | €254k | €10k | €382k | ▲ 3,910% |
| Trade debts44 | €220k | €285k | €473k | €536k | €732k | ▲ 36.4% |
| Suppliers440/4 | €220k | €285k | €473k | €536k | €732k | ▲ 36.4% |
| Taxes, remuneration and social security45 | €86k | €110k | €166k | €211k | €251k | ▲ 18.5% |
| Taxes450/3 | €19k | €24k | €52k | €37k | €35k | ▼ 6.4% |
| Remuneration and social security454/9 | €66k | €86k | €113k | €174k | €216k | ▲ 23.8% |
| Other amounts payable47/48 | €3k | €6k | €10k | €7k | €27k | ▲ 299% |
| Accrued charges and deferred income492/3 | €18k | €0 | €33k | €0 | €104k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-569k | €-310k | €-504k | €76k | €-979k | ▼ 1,397% |
| + Depreciation and write-downs630 | €813k | €800k | €898k | €816k | €1.28M | ▲ 57.1% |
| Operating cash flow (approximation) | €244k | €489k | €394k | €892k | €303k | ▼ 66.0% |
| Investment in fixed assets (approximation) | - | €-1.27M | €-1.72M | €-5.54M | €-1.97M | ▲ 64.5% |
| Change in cash | - | €-72k | €-81k | €11k | €-74k | ▼ 760% |
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-979k
Net result drops to €-979k, the lowest in the series.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €76k
Net result €76k after 6 loss-making years.
31-12
Financial
Equity above €5MEq €5.05M ▲164%
Equity rises from €1.91M to €5.05M.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity doublescurrent ratio 1.33
Current ratio from 0.67 to 1.33; short-term debt falls from €975k to €966k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €1MEq €1.42M ▲135%
Equity rises from €603k to €1.42M.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 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
10 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 2016
Ground area
1.9 ha
Building footprint
1,241 m²
Volume, LiDAR
19,773 m³
Parcel 44032A0472/00R003, Flanders · tallest building 18.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Harmoney
since 20162.258.829.102
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44032A0472/00R003 | Flanders | 1.9 ha | 1 · 1,241 m² | 18.8 m · 5 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 56,405 EUR awarded · 18,905 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 50,000 EUR | 12,500 EUR |
| 2023 | 1 | 6,405 EUR | 6,405 EUR |
Schemes
Kmo-groeisubsidie: steun voor groeitrajecten bij kmo's (stopgezet)
Werkbaarheidscheque (stopgezet)
Recognitions · licences · registrations
Legal Entity Identifier
9845003TA94Q8BBF1218
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Of 2,787 companies in sector 63910 we hold annual accounts for 699. 81 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded28-11-2016
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
63910Web portal activities
Contact
Phone
+32479056642
Scores and ratios are computed by Checked and are not a credit decision.