HAJM
ActiveSummary
HAJM has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13k and a net result of €8k. Its solvency ranks better than 43% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency73
Growth-
Track record67
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.41; short-term debt: 41.5% and cash: 94.2% of total assets), but 51.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 →
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
48.1%
Return on assets
30%
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 20-07-2026, 11 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
11 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€13k
Total assets
€28k
Net result
€8k
Working capital
€16k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €28k
Equity
€13k
Debt
€14k
Debt finances 51.9% of the balance-sheet total.
Key figures and ratios
Current ratio
2.41
Debt to equity
1.08
ROE
62.4%
ROA
30.0%
Debt ≤ 1 year
€11k
Income taxes
€2k
Filed annual accounts As filed with the NBB · 2025 · 31 lines
Balance sheet
Code2025
Assets
Total assets20/58€28k
Current assets29/58€28k
Amounts receivable within one year40/41€19
Other amounts receivable41€19
Cash at bank and in hand54/58€26k
Deferred charges and accrued income490/1€2k
Equity and liabilities
Total equity and liabilities10/49€28k
Equity10/15€13k
Contributions10/11€5k
Reserves13€8k
Distributable reserves133€8k
Amounts payable17/49€14k
Amounts payable within one year42/48€11k
Trade debts44€2k
Suppliers440/4€2k
Taxes, remuneration and social security45€8k
Taxes450/3€8k
Other amounts payable47/48€750
Accrued charges and deferred income492/3€3k
Income statement
Code2025
Other operating charges640/8€381
Gross operating margin9900€11k
Operating profit (loss)9901€11k
Financial charges65/66B€10
Recurring financial charges65€10
Profit (loss) for the period before taxes9903€11k
Income taxes67/77€2k
Profit (loss) for the period9904€8k
Profit (loss) for the period to be appropriated9905€8k
Appropriation of the result
Profit (loss) to be appropriated9906€8k
Transfer to equity691/2€8k
To other reserves6921€8k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Hasselt · 1 establishment unit since 2025
Ground area
400 m²
Building footprint
232 m²
Volume, LiDAR
570 m³
Parcel 71052B0506/02R000, Flanders · tallest building 8.7 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
HAJM
since 20252.379.106.429
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71052B0506/02R000 | Flanders | 400 m² | 1 · 232 m² | 8.7 m · 1 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.
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PRAGM'ETHIC
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 26,116 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
Founded23-09-2025
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.