HARVEST AVOCATS
ActiveSummary
HARVEST AVOCATS has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €835k. Equity is shrinking by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 11% of 1004 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency26=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 1.0 against 1.01 in 2024; short-term debt: 83.4% and cash: 34.4% of total assets), and 98.6% 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 →
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
1.4%
Return on assets
60.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 1004 sector peers (2025).
NBB · sector comparisonPosition among 1004 sector peers
Solvency
better than 11%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €20k
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 09-04-2026, 113 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
113 d early
2024
37 d early
2023
28 d late
2022
28 d late
2021
25 d late
2020
24 d late
← 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
24-09-2026 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
€835k▲ 14.6%
2024 · €729k
2020: €615k
2021: €931k
2022: €902k
2023: €888k
2024: €729k
2020 → 2025
Working capital
€-5k
2024 · €12k
2020: €49k
2021: €37k
2022: €46k
2023: €26k
2024: €12k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€43k▲ 36.8%€15k▼ 64.1%€15k▼ 3.2%€20k▲ 33.3%
Operating result€936k-€908k▼ 3.0%€1.16M▲ 28.1%€965k▼ 17.1%€1.11M▲ 15.5%
Net result€931k-€902k▼ 3.2%€888k▼ 1.6%€729k▼ 17.9%€835k▲ 14.6%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 16% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.39M
Fixed assets
€236k ▲ 8,733%
Current assets
€1.15M ▼ 12.4%
Equity and liabilities €1.39M
Equity
€20k ▲ 33.3%
Debt
€1.37M ▲ 5.0%
Debt's share of the balance-sheet total falls from 98.9% to 98.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.12M▲
2024 · €969k
Cash flow
€841k▲
2024 · €733k
Current ratio
1.00▼
2024 · 1.01
Debt to equity
68.39▼
2024 · 86.86
ROA
60.2%▲
2024 · 55.3%
Interest coverage
483.72▼
2024 · 915.65
Debt ≤ 1 year
€1.16M▼
2024 · €1.30M
Debt > 1 year
€211k
Income taxes
€278k▲
2024 · €235k
Staff costs
€62k▲
2024 · €58k
A ratio outside any meaningful range has been withheld (balance sheet total €1.39M, equity €20k).
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.32M€1.39M▲
Fixed assets21/28€3k€236k▲
Tangible fixed assets22/27€3k€233k▲
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26-€231k
Financial fixed assets28-€3k
Current assets29/58€1.32M€1.15M▼
Amounts receivable within one year40/41€755k€665k▼
Trade receivables40€755k€665k▼
Current investments50/53-€5k
Cash at bank and in hand54/58€531k€478k▼
Deferred charges and accrued income490/1€30k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.32M€1.39M▲
Equity10/15€15k€20k▲
Contributions10/11€15k€15k=
Reserves13-€5k
Non-distributable reserves130/1-€5k
Reserves not available under the articles1311-€5k
Amounts payable17/49€1.30M€1.37M▲
Amounts payable after more than one year17-€211k
Financial debts170/4-€211k
Amounts payable within one year42/48€1.30M€1.16M▼
Current portion of amounts payable after more than one year42€5k-
Trade debts44€59k€130k▲
Suppliers440/4€59k€130k▲
Taxes, remuneration and social security45€406k€231k▼
Taxes450/3€395k€220k▼
Remuneration and social security454/9€10k€12k▲
Other amounts payable47/48€833k€795k▼
Income statement
Code20242025
Remuneration, social security and pensions62€58k€62k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€5k€183▼
Gross operating margin9900€1.03M€1.18M▲
Operating profit (loss)9901€965k€1.11M▲
Financial income75/76B-€402
Recurring financial income75-€402
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€964k€1.11M▲
Income taxes67/77€235k€278k▲
Profit (loss) for the period9904€729k€835k▲
Profit (loss) for the period to be appropriated9905€729k€835k▲
Appropriation of the result
Profit (loss) to be appropriated9906€729k€835k▲
Profit (loss) brought forward from the previous period14P€492-
Transfer to equity691/2-€5k
To other reserves6921-€5k
Profit to be distributed694/7€729k€830k▲
Return on contributions (dividend)694€709k€830k▲
Directors or managers695€20k-
Social balance
Average headcount (FTE)90870.90.9=
The notes to these accounts (11 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
09-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 28 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 25 days late
2021
31-12
Financial
Highest result since 2020net €931k ▲51.4%
Net result €931k, the highest in the series.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Watermaal-Bosvoorde · 1 establishment unit since 2020
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.
Delleurlaan 181170 Watermaal-BosvoordeGround area
1,004 m²
Building footprint
125 m²
Volume, LiDAR
1,273 m³
Parcel 21652E0291/00W002, Brussels · tallest building 14.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Harvest
since 20202.300.132.987
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0291/00W002 | Brussels | 1,004 m² | 1 · 125 m² | 14.3 m · 4 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
Tilia Law
BE 0542.980.363
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Inge Vanderreken
BE 0674.681.124
Londerzeel · Eq €20,000
Gauthier Van Thuyne
BE 0674.702.997
Schaarbeek · Eq €20,000
ANNA PATERAKI
BE 0732.996.336
Hoeilaart · Eq €20,000
FSA LEX
BE 0775.457.689
Elsene · Eq €20,003
Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 6,170 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
Founded19-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.