Haems
ActiveSummary
Haems has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.23M and a net result of €601k. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 76% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-10
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €260k at 30 days acceptable
Liquidity ample (current ratio 4.77 against 15.0 in 2024; short-term debt: 20% and cash: 1.3% of total assets), and 20% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
80%
Return on assets
14.9%
Age of the figures
12 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-01-2026, 93 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
93 d early
2024
23 d early
2023
31 d early
2022
32 d early
2021
4 d early
2020
34 d early
2019
31 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3.23M▼ 21.4%
2024 · €4.11M
2018: €956k
2019: €1.80M
2020: €2.44M
2021: €2.86M
2022: €3.54M
2023: €3.33M
2024: €4.11M
2018 → 2025
Total assets
€4.04M▼ 8.1%
2024 · €4.39M
2018: €1.02M
2019: €1.93M
2020: €2.59M
2021: €2.97M
2022: €3.63M
2023: €3.64M
2024: €4.39M
2018 → 2025
Net result
€601k▼ 27.7%
2024 · €831k
2018: €77k
2019: €927k
2020: €698k
2021: €446k
2022: €683k
2023: €476k
2024: €831k
2018 → 2025
Working capital
€3.04M▼ 22.5%
2024 · €3.92M
2018: €753k
2019: €1.60M
2020: €2.25M
2021: €2.67M
2022: €3.35M
2023: €3.14M
2024: €3.92M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.86M-€3.54M▲ 23.9%€3.33M▼ 6.0%€4.11M▲ 23.6%€3.23M▼ 21.4%
Operating result€159k-€159k=€202k▲ 27.4%€164k▼ 19.2%€143k▼ 12.9%
Net result€446k-€683k▲ 53.3%€476k▼ 30.4%€831k▲ 74.7%€601k▼ 27.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 13% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.04M
Fixed assets
€188k ▼ 0.1%
Current assets
€3.85M ▼ 8.5%
Equity and liabilities €4.04M
Equity
€3.23M ▼ 21.4%
Debt
€806k ▲ 188%
Debt's share of the balance-sheet total rises from 6.4% to 20.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€145k▼
2024 · €165k
Cash flow
€604k▼
2024 · €833k
Current ratio
4.77▼
2024 · 15.00
Debt to equity
0.25▲
2024 · 0.07
ROE
18.6%▼
2024 · 20.2%
ROA
14.9%▼
2024 · 18.9%
Interest coverage
-33.08▼
2024 · -7.03
Debt ≤ 1 year
€806k▲
2024 · €280k
Income taxes
€176k▲
2024 · €172k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€4.39M€4.04M▼
Fixed assets21/28€188k€188k▼
Tangible fixed assets22/27€7k€7k▼
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€1k€762▼
Other tangible fixed assets26€4k€3k▼
Financial fixed assets28€181k€181k=
Current assets29/58€4.20M€3.85M▼
Amounts receivable after more than one year29€3.01M€3.01M=
Other amounts receivable291€3.01M€3.01M=
Amounts receivable within one year40/41€30k€32k▲
Trade receivables40€30k€32k▲
Other amounts receivable41€65€65=
Current investments50/53€987k€668k▼
Cash at bank and in hand54/58€95k€54k▼
Deferred charges and accrued income490/1€76k€80k▲
Equity and liabilities
Total equity and liabilities10/49€4.39M€4.04M▼
Equity10/15€4.11M€3.23M▼
Contributions10/11€12k€12k=
Reserves13€4.10M€3.22M▼
Non-distributable reserves130/1€11k€11k=
Reserves not available under the articles1311€11k€11k=
Tax-exempt reserves132€71k-
Distributable reserves133€4.02M€3.21M▼
Amounts payable17/49€280k€806k▲
Amounts payable within one year42/48€280k€806k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€133k€149k▲
Taxes450/3€130k€149k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€146k€656k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€168k€147k▼
Operating profit (loss)9901€164k€143k▼
Financial income75/76B€816k€630k▼
Recurring financial income75€816k€630k▼
Financial charges65/66B€-24k€-4k▲
Recurring financial charges65€-24k€-4k▲
Non-recurring financial charges66B-€109
Profit (loss) for the period before taxes9903€1.00M€777k▼
Income taxes67/77€172k€176k▲
Profit (loss) for the period9904€831k€601k▼
Transfer from tax-exempt reserves789€142k€71k▼
Profit (loss) for the period to be appropriated9905€973k€672k▼
Appropriation of the result
Profit (loss) to be appropriated9906€973k€672k▼
Transfer from equity791/2€46k€1.48M▲
Transfer to equity691/2€973k€672k▼
To other reserves6921€973k€672k▼
Profit to be distributed694/7€46k€1.48M▲
Return on contributions (dividend)694€46k€1.48M▲
The notes to these accounts (8 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
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €2MEq €2.44M ▲35.9%
3 profitable years in a row build equity to €2.44M.
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Highest result since 2018net €927k ▲1102%
Net result €927k, the highest in the series.
30-09
Financial
Equity above €1MEq €1.80M ▲87.9%
2 profitable years in a row build equity to €1.80M.
21-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Nijlen · 1 establishment unit since 2007
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.
Wijngaardberg 192560 NijlenGround area
2,806 m²
Building footprint
187 m²
Volume, LiDAR
1,325 m³
Parcel 12026D0780/00P005, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Haems
since 20072.161.716.561
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12026D0780/00P005 | Flanders | 2,806 m² | 1 · 187 m² | 9.9 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
6994006R99FPW4G9PT74
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 15,112 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2007
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.