HARO
ActiveHARO has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24k and a net result of €34k. Equity is growing by ~103.9% per year across the filed fiscal years. Its solvency ranks better than 26% of 31545 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency26▼-9
Growth78=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.61 against 0.56 in 2024), and 76.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
23.7%
Return on assets
33%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
29 d late
2024
29 d late
2023
10 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€24k
2024 · €-10k
2023: €-22k
2024: €-10k
2023 → 2025
Total assets
€102k▲ 399%
2024 · €20k
2023: €6k
2024: €20k
2023 → 2025
Net result
€34k▲ 161%
2024 · €13k
2023: €-23k
2024: €13k
2023 → 2025
Working capital
€-30k▼ 128%
2024 · €-13k
2023: €-24k
2024: €-13k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-22k-€-10k▲ 57.6%€24k
Operating result€-23k-€13k€39k▲ 204%
Net result€-23k-€13k€34k▲ 161%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 204% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €102k
Fixed assets
€54k▲ 1,381%
Current assets
€48k▲ 185%
Equity and liabilities €102k
Equity
€24k
Debt
€78k
Debt finances 76.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€43k▲
2024 · €14k
Cash flow
€37k▲
2024 · €14k
Solvency
23.7%▲
2024 · -46.5%
Current ratio
0.61▲
2024 · 0.56
Quick ratio
0.61▲
2024 · 0.56
Debt / equity
3.22▲
2024 · -3.15
ROE
139.3%▲
2024 · -136.0%
ROA
33.0%▼
2024 · 63.2%
Interest coverage
1066.41▲
2024 · 289.50
Debt
€78k▲
2024 · €30k
Debt ≤ 1 year
€78k▲
2024 · €30k
Income taxes
€6k
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€20k€102k▲
Fixed assets21/28€4k€54k▲
Intangible fixed assets21€4k€3k▼
Tangible fixed assets22/27-€51k
Plant, machinery and equipment23-€910
Furniture and vehicles24-€50k
Financial fixed assets28-€300
Current assets29/58€17k€48k▲
Amounts receivable within one year40/41€312€18k▲
Trade receivables40-€6k
Other amounts receivable41€312€11k▲
Cash at bank and in hand54/58€16k€29k▲
Deferred charges and accrued income490/1-€801
Equity and liabilities
Total equity and liabilities10/49€20k€102k▲
Equity10/15€-10k€24k▲
Contributions10/11€1k€1k=
Reserves13-€23k
Distributable reserves133-€23k
Profit (loss) carried forward14€-11k-
Amounts payable17/49€30k€78k▲
Amounts payable within one year42/48€30k€78k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45-€6k
Taxes450/3-€6k
Other amounts payable47/48€29k€71k▲
Income statement
Code20242025
Remuneration, social security and pensions62€140-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€859€4k▲
Other operating charges640/8-€48
Gross operating margin9900€14k€43k▲
Operating profit (loss)9901€13k€39k▲
Financial charges65/66B€48€40▼
Recurring financial charges65€48€40▼
Profit (loss) for the period before taxes9903€13k€39k▲
Income taxes67/77-€6k
Profit (loss) for the period9904€13k€34k▲
Profit (loss) for the period to be appropriated9905€13k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€23k▲
Profit (loss) brought forward from the previous period14P€-23k€-11k▲
Transfer to equity691/2-€23k
To other reserves6921-€23k
The notes to these accounts (10 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
31-08
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 2026-05-26
- Registered-office move, Klingedijkstraat 37/D te 9170 Sint-Gillis-Waas
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-12
Financial
Highest result since 2023net €34k ▲161%
Operating result €39k, net result €34k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
21-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Gillis-Waas · 1 establishment unit since 2023
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.
Klingedijkstraat(SGW) 379170 Sint-Gillis-WaasGround area
4,134 m²
Building footprint
441 m²
Volume, LiDAR
2,536 m³
2 parcels, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Oude Molenstraat(SGW) 50, 9170 Sint-Gillis-Waas
since 20232.350.403.436
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46005A0454/00K000 | Flanders | 3,401 m² | 1 · 316 m² | 10.2 m · 2 fl. |
| 46020A0747/00G000 | Flanders | 732 m² | 1 · 125 m² | 12.3 m · 3 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 82,241 companies in sector 70200 we hold annual accounts for 52,391. 32,466 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-08-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46349Wholesale of beverages, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.