GHAMAR
ActiveThe computed 12-month bankruptcy probability of GHAMAR is 4.2% (elevated). The 2025 annual accounts show equity of €31k and a net result of €11k. Its solvency ranks better than 30% of 13090 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability71
Solvency31
Growth-
Track record67
Bankruptcy probability, 12 months
4.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity short (current ratio 0.72; short-term debt: 60% and cash: 14.6% of total assets), and 93.8% 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
6.2%
Return on assets
2.2%
Age of the figures
9 mo
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 24-07-2026, 7 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
7 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€31k
Total assets
€492k
Net result
€11k
Working capital
€-82k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €492k
Fixed assets
€279k
Current assets
€213k
Equity and liabilities €492k
Equity
€31k
Debt
€461k
Debt finances 93.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€62k
Cash flow
€53k
Solvency
6.2%
Current ratio
0.72
Quick ratio
0.70
Debt / equity
15.00
ROE
34.9%
ROA
2.2%
Interest coverage
10.68
Debt
€461k
Debt ≤ 1 year
€295k
Debt > 1 year
€166k
Income taxes
€4k
Staff costs
€250k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€492k
Fixed assets21/28€279k
Intangible fixed assets21€126k
Tangible fixed assets22/27€152k
Plant, machinery and equipment23€33k
Furniture and vehicles24€44k
Other tangible fixed assets26€75k
Financial fixed assets28€225
Current assets29/58€213k
Stocks and contracts in progress3€6k
Stocks30/36€6k
Amounts receivable within one year40/41€135k
Trade receivables40€92k
Other amounts receivable41€43k
Cash at bank and in hand54/58€72k
Equity and liabilities
Total equity and liabilities10/49€492k
Equity10/15€31k
Contributions10/11€20k
Profit (loss) carried forward14€11k
Amounts payable17/49€461k
Amounts payable after more than one year17€166k
Financial debts170/4€166k
Amounts payable within one year42/48€295k
Current portion of amounts payable after more than one year42€18k
Trade debts44€232k
Suppliers440/4€232k
Advances received on contracts in progress46€8k
Taxes, remuneration and social security45€25k
Taxes450/3€4k
Remuneration and social security454/9€21k
Other amounts payable47/48€12k
Income statement
Code2025
Remuneration, social security and pensions62€250k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€31
Other operating charges640/8€387
Gross operating margin9900€312k
Operating profit (loss)9901€20k
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€6k
Recurring financial charges65€6k
Profit (loss) for the period before taxes9903€14k
Income taxes67/77€4k
Profit (loss) for the period9904€11k
Profit (loss) for the period to be appropriated9905€11k
Appropriation of the result
Profit (loss) to be appropriated9906€11k
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Anderlecht · 1 establishment unit since 2024
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.
Bizetplein 51070 AnderlechtGround area
443 m²
Building footprint
425 m²
Volume, LiDAR
3,840 m³
2 parcels, Brussels · tallest building 20.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
O’TACOS LEMONNIER
since 20242.367.599.061
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21810L2201/00Y018 | Brussels | 235 m² | 1 · 214 m² | 20.6 m · 3 fl. |
| 21306D0339/00W008 | Brussels | 208 m² | 1 · 211 m² | 14.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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 siteBrussel2.367.599.061
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AYG MESSANCY
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JAM BURGER
BE 0674.866.810
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BE 0665.971.712
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GOKKY
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Dilsen-Stokkem · Eq €31k
Of 21,908 companies in sector 56112 we hold annual accounts for 9,783. 8,402 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-12-2024
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.