What does Harmoney do?
HARMONEY is a financial technology company that specializes in providing innovative lending solutions. It connects borrowers with investors through a peer-to-peer platform, facilitating personal loans and business financing. The company aims to enhance access to credit while offering competitive returns for investors.
- Sectors
- IT companies
- Activities
- Signals
-
Reporting lossesReporting losses € -979K
The company reported a loss in the latest financial year.
Poor liquidityPoor liquidity 0.41The current ratio is below 1: may be insufficient to cover short-term debt.
Strong equityStrong equity € 4.07MStrong equity provides a buffer against setbacks.
Low riskLow risk 43.7%Good solvency (> 30%) points to long-term financial stability.
Positive cashflowPositive cashflow € 303KPositive operating cash flow in the latest financial year.
Positive EBITDAPositive EBITDA € 195KPositive EBITDA: operating activities are profitable.
Healthy social debtHealthy social debt 20.5%Social debts stay manageable relative to personnel costs.
- Shareholders
- Leveritge 0,62%
Financial ratios
|
|
2025
|
2024
|
2023
|
2022
|
|---|---|---|---|---|
|
€
1.26M
|
€
1.82M
|
€
1.12M
|
€
1.00M
|
|
|
€
195K
|
€
933K
|
€
396K
|
€
492K
|
|
|
€
-979K
|
€
76K
|
€
-504K
|
€
-310K
|
|
|
€
4.07M
|
€
5.05M
|
€
1.91M
|
€
1.42M
|
|
|
43.67%
|
58.97%
|
47.13%
|
54.45%
|
|
|
€
5.25M
|
€
3.51M
|
€
2.15M
|
€
1.19M
|
|
|
€
12K
|
€
86K
|
€
124K
|
€
156K
|
|
|
14.80
|
9.90
|
9.90
|
8
|
Publications 11
All publications- Ontslagen - Benoemingen 04/11/2026
- Statuten (Vertaling, Co?Rdinatie, Overige Wijzigingen, ?) - Maatschappelijke Zetel - Kapitaal - Aandelen - Ontslagen - Benoemingen 09/06/2026
- Kapitaal - Aandelen 20/04/2026
- Statuten (Vertaling, Co?Rdinatie, Overige Wijzigingen, ?) - Kapitaal - Aandelen - Ontslagen - Benoemingen 08/11/2024
- Statuten (Vertaling, Cordinatie, Overige Wijzigingen, ) - Diversen - Kapitaal - Aandelen 11/04/2023
Frequently asked questions
Answers to the most common questions about Harmoney, based on official government data and the filed annual accounts.
What is the VAT number of Harmoney?
The VAT number of Harmoney is BE0666.716.731.
How many employees work at Harmoney?
In 2025, Harmoney employed 14.80 full-time equivalents (FTE).
When was Harmoney established?
Harmoney was founded in 28-11-2016.
What is the official address of Harmoney?
The official address of Harmoney is Gaston Crommenlaan 8/101 Gent 9050.
What is the legal form of Harmoney?
The juridical form of Harmoney is Public limited company (NV/SA).
What is the annual revenue of Harmoney?
The 2025 accounts of Harmoney do not report revenue. Smaller companies that file abbreviated accounts are not required to publish it.
What does Harmoney do?
HARMONEY is a financial technology company that specializes in providing innovative lending solutions. It connects borrowers with investors through a peer-to-peer platform, facilitating personal loans and business financing. The company aims to enhance access to credit while offering competitive returns for investors.
Is Harmoney a reliable company?
Harmoney is a registered Rechtspersoon with company number 0666.716.731 and can be verified through the official CBE database.
What is the credit limit of Harmoney?
The estimated credit limit of Harmoney is €328,208.
Is Harmoney still active?
Harmoney currently has the status "Normal situation" and is active.