HAM
ActiveHAM has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €213k and a net result of €-5k. Equity is growing by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 56% of 13898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency53▲+6
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity short (current ratio 0.71 against 0.55 in 2024), and 62.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
37.9%
Return on assets
-0.9%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 20-01-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
19 d late
2023
154 d late
2022
28 d late
2021
3 d early
2020
2 d early
2019
17 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-5k
2024 · €46k
2019: €22k
2020: €22k
2021: €26k
2022: €13k
2023: €43k
2024: €46k
2019 → 2025
Working capital
€-23k▲ 60.5%
2024 · €-58k
2019: €121k
2020: €262k
2021: €-46k
2022: €-55k
2023: €106k
2024: €-58k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€126k-€139k▲ 10.1%€172k▲ 23.9%€218k▲ 26.5%€213k▼ 2.4%
Operating result€69k-€48k▼ 30.5%€59k▲ 23.0%€78k▲ 31.1%€16k▼ 79.8%
Net result€26k-€13k▼ 51.4%€43k▲ 238%€46k▲ 6.0%€-5k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 80% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €561k
Fixed assets
€507k▼ 3.0%
Current assets
€55k▼ 21.6%
Equity and liabilities €561k
Equity
€213k▼ 2.4%
Debt
€348k▼ 6.8%
The debt ratio falls from 63.2% to 62.1%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€41k▼
2024 · €96k
Cash flow
€20k▼
2024 · €64k
Solvency
37.9%▲
2024 · 36.8%
Current ratio
0.71▲
2024 · 0.55
Quick ratio
0.19▼
2024 · 0.23
Debt / equity
1.64▼
2024 · 1.71
ROE
-2.5%▼
2024 · 21.0%
ROA
-0.9%▼
2024 · 7.7%
Interest coverage
2.31▼
2024 · 3.01
Debt
€348k▼
2024 · €374k
Debt ≤ 1 year
€78k▼
2024 · €128k
Debt > 1 year
€271k▲
2024 · €246k
Income taxes
€8
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€592k€561k▼
Fixed assets21/28€522k€507k▼
Tangible fixed assets22/27€522k€507k▼
Land and buildings22€522k€507k▼
Current assets29/58€70k€55k▼
Stocks and contracts in progress3€40k€40k=
Stocks30/36€40k€40k=
Amounts receivable within one year40/41€6k€15k▲
Trade receivables40€6k€13k▲
Other amounts receivable41-€2k
Cash at bank and in hand54/58€23k-
Equity and liabilities
Total equity and liabilities10/49€592k€561k▼
Equity10/15€218k€213k▼
Contributions10/11€84k€84k=
Profit (loss) carried forward14€135k€129k▼
Amounts payable17/49€374k€348k▼
Amounts payable after more than one year17€246k€271k▲
Financial debts170/4€246k€271k▲
Amounts payable within one year42/48€128k€78k▼
Current portion of amounts payable after more than one year42€21k-
Financial debts43-€61k
Credit institutions430/8-€61k
Trade debts44€20k-
Suppliers440/4€20k-
Taxes, remuneration and social security45€29k€9k▼
Taxes450/3€20k-
Remuneration and social security454/9€9k€9k=
Other amounts payable47/48€58k€8k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€25k▲
Other operating charges640/8€10k€7k▼
Gross operating margin9900€106k€48k▼
Operating profit (loss)9901€78k€16k▼
Financial charges65/66B€32k€21k▼
Recurring financial charges65€32k€18k▼
Non-recurring financial charges66B-€3k
Profit (loss) for the period before taxes9903€46k€-5k▼
Income taxes67/77-€8
Profit (loss) for the period9904€46k€-5k▼
Profit (loss) for the period to be appropriated9905€46k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€135k€129k▼
Profit (loss) brought forward from the previous period14P€89k€135k▲
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
20-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-5k ▼111%
Net result drops to €-5k, the lowest in the series.
19-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 154 days late
30-06
Financial
Highest result since 2019net €46k ▲6%
Operating result €78k, net result €46k, both a record.
30-06
Financial
Equity above €200kEq €218k ▲26.5%
6 profitable years in a row build equity to €218k.
2023
30-06
Financial
Equity above €150kEq €172k ▲23.9%
5 profitable years in a row build equity to €172k.
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-06
Financial
Equity above €100kEq €100k ▲28.2%
2 profitable years in a row build equity to €100k.
17-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 17 days late
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
19-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 19 days late
2017
10-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
Isabelle Hanson
CurrentDirector · since 01-01-2024
01-01-2024
Appointed as Director
Location & real-estate footprint
Registered office, Esneux · 1 establishment unit since 2006
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.
Rue des Carrières 64130 EsneuxGround area
1,591 m²
Building footprint
154 m²
Volume, LiDAR
735 m³
2 parcels, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
H.A.M.
since 20062.153.326.358
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62032A0240/00P000 | Wallonia | 1,036 m² | 1 · 85 m² | 10.7 m · 3 fl. |
| 62032C0625/00D000 | Wallonia | 555 m² | 1 · 69 m² | - |
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.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
Similar companies · same sector, comparable size
CB IMMO
BE 1025.679.186
Bastogne · Eq €213k
Trifolium Invest
BE 0735.755.292
Jabbeke · Eq €213k
Sicoma
BE 0400.972.363
Hasselt · Eq €213k
ADRATIO
BE 0895.965.046
Grimbergen · Eq €213k
'T HOOGBOSCH
BE 0442.112.934
Pittem · Eq €213k
Of 9,094 companies in sector 68201 we hold annual accounts for 6,725. 4,815 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-02-2006
Fiscal year end30-06
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
68121Development of residential building projects
55203Holiday cottages, homes and apartments
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.