SYMPHONY
ActiveSYMPHONY has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €16k and a net result of €3k. Equity is growing by ~30.3% per year across the filed fiscal years. Its solvency ranks better than 30% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
50
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability71▲+3
Solvency35▲+3
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.36 against 0.4 in 2023; short-term debt: 67.5% and cash: 6.1% of total assets), and 90.1% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
9.9%
Return on assets
1.9%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
30 d late
2023
27 d late
2022
71 d late
2021
44 d late
2020
53 d early
2019
119 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€16k▲ 23.2%
2023 · €13k
2018: €5k
2019: €5k
2020: €6k
2021: €-1k
2022: €14k
2023: €13k
2018 → 2024
Total assets
€160k▼ 12.3%
2023 · €183k
2018: €215k
2019: €185k
2020: €188k
2021: €199k
2022: €217k
2023: €183k
2018 → 2024
Net result
€3k
2023 · €-1k
2018: €3k
2019: €114
2020: €1k
2021: €-12k
2022: €15k
2023: €-1k
2018 → 2024
Working capital
€-70k▼ 18.8%
2023 · €-59k
2018: €10k
2019: €-5k
2020: €-40k
2021: €-36k
2022: €-47k
2023: €-59k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€6k-€-1k€14k€13k▼ 7.5%€16k▲ 23.2%
Operating result€6k-€-8k€24k€6k▼ 75.6%€11k▲ 86.9%
Net result€1k-€-12k€15k€-1k€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 87% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €160k
Fixed assets
€122k▼ 15.2%
Current assets
€39k▼ 1.8%
Equity and liabilities €160k
Equity
€16k▲ 23.2%
Debt
€144k▼ 15.0%
The debt ratio falls from 92.9% to 90.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33k▲
2023 · €27k
Cash flow
€25k▲
2023 · €20k
Solvency
9.9%▲
2023 · 7.1%
Current ratio
0.36▼
2023 · 0.40
Quick ratio
0.15▼
2023 · 0.19
Debt / equity
9.05▼
2023 · 13.13
ROE
18.8%▲
2023 · -8.1%
ROA
1.9%▲
2023 · -0.6%
Interest coverage
9.10▲
2023 · 6.39
Debt
€144k▼
2023 · €170k
Debt ≤ 1 year
€108k▲
2023 · €98k
Debt > 1 year
€36k▼
2023 · €72k
Income taxes
€5k▲
2023 · €3k
Staff costs
€741▼
2023 · €4k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€183k€160k▼
Fixed assets21/28€143k€122k▼
Intangible fixed assets21€7k€3k▼
Tangible fixed assets22/27€137k€118k▼
Land and buildings22€107k€98k▼
Plant, machinery and equipment23€694€309▼
Furniture and vehicles24€1k€968▼
Leasing and similar rights25€21k€14k▼
Other tangible fixed assets26€7k€5k▼
Current assets29/58€39k€39k▼
Stocks and contracts in progress3€21k€22k▲
Stocks30/36€21k€22k▲
Amounts receivable within one year40/41€5k€4k▼
Trade receivables40€3k€3k▲
Other amounts receivable41€2k€607▼
Cash at bank and in hand54/58€9k€10k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€183k€160k▼
Equity10/15€13k€16k▲
Contributions10/11€12k€12k=
Reserves13€538€4k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€538€4k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€170k€144k▼
Amounts payable after more than one year17€72k€36k▼
Financial debts170/4€72k€36k▼
Amounts payable within one year42/48€98k€108k▲
Current portion of amounts payable after more than one year42€45k€48k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€16k€24k▲
Suppliers440/4€16k€24k▲
Taxes, remuneration and social security45€9k€7k▼
Taxes450/3€8k€7k▼
Remuneration and social security454/9€640€0▼
Other amounts payable47/48€28k€29k▲
Income statement
Code20232024
Remuneration, social security and pensions62€4k€741▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€22k▲
Other operating charges640/8€5k€4k▼
Gross operating margin9900€37k€37k▲
Operating profit (loss)9901€6k€11k▲
Financial income75/76B€402€56▼
Recurring financial income75€402€56▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€2k€8k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€-1k€3k▲
Profit (loss) for the period to be appropriated9905€-1k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€3k▲
Profit (loss) brought forward from the previous period14P€-269€0▲
Transfer from equity791/2€1k€0▼
Transfer to equity691/2-€3k
To other reserves6921-€3k
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
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
10-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 71 days late
2022
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
13-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 44 days late
2021
31-12
Financial
Weakest financial yearnet €-12k ▼1061%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
06-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Herzele · 3 establishment units since 2005
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.
Kerkstraat 219550 HerzeleGround area
1,109 m²
Building footprint
686 m²
Volume, LiDAR
3,620 m³
3 parcels, Flanders · tallest building 13.2 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
Symphony
since 20052.144.638.227
Symphony
since 20232.343.491.096
Symphony
since 20232.343.491.195
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41040B0176/00D002 | Flanders | 453 m² | 1 · 176 m² | 10.4 m · 2 fl. |
| 41027A0462/00B000 | Flanders | 421 m² | 1 · 417 m² | 13.2 m · 1 fl. |
| 41034E0298/00R000 | Flanders | 235 m² | 1 · 93 m² | 10.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHerzele2.144.638.227
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LEOHUY
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BB CONSULT
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Of 899 companies in sector 47242 we hold annual accounts for 339. 245 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2005
Fiscal year end31-12
Activities, NACEBEL
47242Retail sale of chocolate and confectionery
55401
56301Cafés and bars
68121Development of residential building projects
47279Other retail sale of food
47910Intermediation services for non-specialised retail
96101Personal service activities
96102Launderettes and laundries for private customers
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.