BEAU TER HAM
ActiveBEAU TER HAM has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €297k and a net result of €194k. Equity is growing by ~62.5% per year across the filed fiscal years. Its solvency ranks better than 87% of 9095 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
93
/ 100
Excellent▲ +25 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+76
Growth78=
Stability94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 6.55 against 1.15 in 2024), and 15.3% 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
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
84.7%
Return on assets
55.5%
Age of the figures
8 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 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
5 d early
2022
25 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€297k▲ 190%
2024 · €102k
2022: €53k
2023: €78k
2024: €102k
2022 → 2025
Total assets
€350k▼ 52.6%
2024 · €739k
2022: €807k
2023: €1.09M
2024: €739k
2022 → 2025
Net result
€194k▲ 56.6%
2024 · €124k
2022: €43k
2023: €117k
2024: €124k
2022 → 2025
Working capital
€297k▲ 221%
2024 · €92k
2022: €43k
2023: €68k
2024: €92k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€53k-€78k▲ 48.6%€102k▲ 30.5%€297k▲ 190%
Operating result€63k-€185k▲ 195%€223k▲ 20.5%€237k▲ 6.3%
Net result€43k-€117k▲ 173%€124k▲ 6.2%€194k▲ 56.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 6% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €350k
Equity
€297k▲ 190%
Debt
€53k▼ 91.6%
The debt ratio falls from 86.1% to 15.3%: equity grows while debt is paid down.
Key figures and ratios
Solvency
84.7%▲
2024 · 13.9%
Current ratio
6.55▲
2024 · 1.15
Quick ratio
3.01▲
2024 · 1.14
Debt / equity
0.18▼
2024 · 6.21
ROE
65.5%▼
2024 · 121.0%
ROA
55.5%▲
2024 · 16.8%
Debt
€53k▼
2024 · €636k
Debt ≤ 1 year
€53k▼
2024 · €636k
Income taxes
€58k▲
2024 · €41k
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€739k€350k▼
Fixed assets21/28€10k€0▼
Financial fixed assets28€10k€0▼
Current assets29/58€729k€350k▼
Stocks and contracts in progress3€5k€189k▲
Stocks30/36€5k€189k▲
Amounts receivable within one year40/41€259k€134k▼
Trade receivables40€54k€4k▼
Other amounts receivable41€205k€130k▼
Cash at bank and in hand54/58€463k€25k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€739k€350k▼
Equity10/15€102k€297k▲
Contributions10/11€10k€10k=
Reserves13€92k€287k▲
Distributable reserves133€92k€287k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€636k€53k▼
Amounts payable within one year42/48€636k€53k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€222k€7k▼
Suppliers440/4€222k€7k▼
Advances received on contracts in progress46€57k€0▼
Taxes, remuneration and social security45€253k€41k▼
Taxes450/3€253k€41k▼
Other amounts payable47/48€105k€5k▼
Income statement
Code20242025
Other operating charges640/8€449€1k▲
Gross operating margin9900€223k€238k▲
Operating profit (loss)9901€223k€237k▲
Financial income75/76B€1k€19k▲
Recurring financial income75€1k€0▼
Non-recurring financial income76B-€19k
Financial charges65/66B€59k€3k▼
Recurring financial charges65€59k€3k▼
Profit (loss) for the period before taxes9903€165k€253k▲
Income taxes67/77€41k€58k▲
Profit (loss) for the period9904€124k€194k▲
Profit (loss) for the period to be appropriated9905€124k€194k▲
Appropriation of the result
Profit (loss) to be appropriated9906€124k€194k▲
Transfer to equity691/2€24k€194k▲
To other reserves6921€24k€194k▲
Profit to be distributed694/7€100k€0▼
Return on contributions (dividend)694€100k€0▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (6 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
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2022net €194k ▲56.6%
Operating result €237k, net result €194k, both a record.
31-12
Financial
Liquidity times 6current ratio 6.55
Current ratio from 1.15 to 6.55; short-term debt falls from €636k to €53k.
31-12
Financial
Equity above €200kEq €297k ▲190%
4 profitable years in a row build equity to €297k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Equity above €100kEq €102k ▲30.5%
3 profitable years in a row build equity to €102k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ham · 1 establishment unit since 2021
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.
Heldenplein 413945 HamGround area
402 m²
Building footprint
179 m²
Volume, LiDAR
1,317 m³
Parcel 71046A1232/00P000, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BEAU TER HAM
since 20212.318.350.379
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71046A1232/00P000 | Flanders | 402 m² | 1 · 179 m² | 11.2 m · 3 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
SY Construct
BE 0804.648.751
Putte · Eq €297k
ABRIX
BE 0828.494.024
Schoten · Eq €296k
REDHI
BE 0431.159.654
Oupeye · Eq €297k
COLSIMMO
BE 0729.813.350
Verviers · Eq €297k
ACHAT, REVENTE, TRAVAUX
BE 0440.635.069
Andenne · Eq €296k
Of 9,635 companies in sector 68121 we hold annual accounts for 7,328. 5,129 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-06-2021
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68122Development of non-residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.