Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 3 of the last 4 fiscal years.
-
Tight liquidity NBB
Cash and receivables cover 10 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
HARMONT from Binche, company number BE0472235293, closed financial year 2025 with a result of € 7,714 after tax. For that financial year HARMONT recorded a gross margin of € 17,940 and equity of € -5,270. Compared with financial year 2024, the result moved from € -4,825 to € 7,714. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 22, 2026.
€ -5,270
▲ € 7,714 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 7,714
▲ still € 4,825 loss in 2024
Profit after tax over the fiscal year.
€ 7,408
▲ 13% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -23,862.
People and assets in 2025
€ 1,352
▼ 93% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 0
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 28,800
Loans from banks and other lenders, long and short.
€ 12,658
▼ 10% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 8,169
▼ 26% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 21,770 | € 32,655 | € 20,263 | € 17,940 | ▼ 11% |
| Profit after taxes | € -10,109 | € -8,887 | € -4,825 | € 7,714 | ▲ € 12,539 |
| Equity | € 728 | € -8,159 | € -12,984 | € -5,270 | ▲ € 7,714 |
| Total debts | € 118,458 | € 109,457 | € 109,722 | € 102,688 | ▼ 6% |
| Cash | € 16,569 | € 7,611 | € 6,581 | € 7,408 | ▲ 13% |
| Land & buildings | € 22,240 | € 20,211 | € 18,183 | € 16,155 | ▼ 11% |
| Retained profit | € -17,864 | € -26,751 | € -31,576 | € -23,862 | ▲ € 7,714 |
| Bank debt | € 35,058 | € 31,676 | € 28,800 | € 28,800 | |
| Balance sheet total | € 119,186 | € 101,298 | € 96,738 | € 97,418 | ▲ 1% |
Key figures of HARMONT, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to HARMONT?
What happened at HARMONT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 7,714. Source: NBB ↗
- New establishment in La Louvière. KBO
- Start of the company according to the CBE. KBO
In short
From € 10,109 loss in 2022 to € 7,714 profit in 2025.
Paid € 631 in corporate taxes since 2022.
Best year ever: 2025, with € 7,714 profit.
Management
Behind HARMONT are JACQUELINE HARNETIAUX and Raymond MONTIRONI.
Directors
According to the 2025 annual accounts
JACQUELINE HARNETIAUX
Manager
Raymond MONTIRONI
Manager
Establishments
Establishment units
Physical locations of this company
Rue du Mazy(RES) 9
7134 Binche
Rue de la Loi(L.L) 42
7100 La Louvière
Active since 26 July 2000
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0472.235.293
- VAT number
- BE 0472.235.293
- Registered office
- Rue du Mazy(RES) 9, 7134 Binche
- Names & denominations
- HARMONT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 June 2000
- Peppol
- Active · Active since 24 Dec 2025
- Activities · NACE
Detailhandel in huishoudtextiel en beddengoed
Groothandel in huishoudtextiel en beddengoed
Groothandel in textiel
Detailhandel in textiel