Ham and cheese
ActiveThe computed 12-month bankruptcy probability of Ham and cheese is 3.3% (moderate). The 2025 annual accounts show equity of €101k and a net result of €37k. Equity is growing by ~87.5% per year across the filed fiscal years. Its solvency ranks better than 86% of 13090 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency99▲+13
Growth78=
Track record94
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.66 against 4.14 in 2024; short-term debt: 11.8% and cash: 26.1% of total assets), and 25.7% 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 · 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 · 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
74.3%
Return on assets
27.1%
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 09-07-2026, 22 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
22 d early
2024
29 d late
2023
30 d late
2022
32 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€101k▲ 57.5%
2024 · €64k
2022: €17k
2023: €33k
2024: €64k
2022 → 2025
Total assets
€135k▲ 29.7%
2024 · €104k
2022: €112k
2023: €108k
2024: €104k
2022 → 2025
Net result
€37k▲ 18.9%
2024 · €31k
2022: €15k
2023: €16k
2024: €31k
2022 → 2025
Working capital
€43k▲ 79.6%
2024 · €24k
2022: €-16k
2023: €-3k
2024: €24k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€17k-€33k▲ 96.6%€64k▲ 93.5%€101k▲ 57.5%
Operating result€20k-€14k▼ 27.8%€34k▲ 137%€46k▲ 36.5%
Net result€15k-€16k▲ 9.6%€31k▲ 90.3%€37k▲ 18.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 37% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €135k
Fixed assets
€77k▲ 5.1%
Current assets
€59k▲ 87.3%
Equity and liabilities €135k
Equity
€101k▲ 57.5%
Debt
€35k▼ 14.2%
The debt ratio falls from 38.8% to 25.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€57k▲
2024 · €46k
Cash flow
€47k▲
2024 · €43k
Solvency
74.3%▲
2024 · 61.2%
Current ratio
3.66▼
2024 · 4.14
Quick ratio
3.46▼
2024 · 3.64
Debt / equity
0.35▼
2024 · 0.63
ROE
36.5%▼
2024 · 48.3%
ROA
27.1%▼
2024 · 29.6%
Interest coverage
68.78▲
2024 · 40.19
Debt
€35k▼
2024 · €40k
Debt ≤ 1 year
€16k▲
2024 · €8k
Debt > 1 year
€19k▼
2024 · €33k
Income taxes
€14k▲
2024 · €8k
Staff costs
€115k▼
2024 · €121k
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€104k€135k▲
Fixed assets21/28€73k€77k▲
Intangible fixed assets21€72k€62k▼
Tangible fixed assets22/27€668€14k▲
Furniture and vehicles24€668-
Assets under construction and advance payments27-€14k
Current assets29/58€31k€59k▲
Stocks and contracts in progress3€4k€3k▼
Stocks30/36€4k€3k▼
Amounts receivable within one year40/41€22k€19k▼
Trade receivables40€14k€10k▼
Other amounts receivable41€8k€8k▲
Cash at bank and in hand54/58€2k€35k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€104k€135k▲
Equity10/15€64k€101k▲
Contributions10/11€2k€2k=
Reserves13-€99k
Distributable reserves133-€99k
Profit (loss) carried forward14€62k-
Amounts payable17/49€40k€35k▼
Amounts payable after more than one year17€33k€19k▼
Financial debts170/4€33k€19k▼
Amounts payable within one year42/48€8k€16k▲
Trade debts44€4k€635▼
Suppliers440/4€4k€635▼
Taxes, remuneration and social security45€52€15k▲
Taxes450/3€52€9k▲
Remuneration and social security454/9-€6k
Other amounts payable47/48€4k€703▼
Accrued charges and deferred income492/3€424-
Income statement
Code20242025
Remuneration, social security and pensions62€121k€115k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Other operating charges640/8€505€520▲
Gross operating margin9900€167k€173k▲
Operating profit (loss)9901€34k€46k▲
Financial income75/76B€6k€5k▼
Recurring financial income75€6k€5k▼
Financial charges65/66B€1k€828▼
Recurring financial charges65€1k€828▼
Profit (loss) for the period before taxes9903€39k€50k▲
Income taxes67/77€8k€14k▲
Profit (loss) for the period9904€31k€37k▲
Profit (loss) for the period to be appropriated9905€31k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€62k€99k▲
Profit (loss) brought forward from the previous period14P€31k€62k▲
Transfer to equity691/2-€99k
To other reserves6921-€99k
The notes to these accounts (9 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €37k ▲18.9%
Operating result €46k, net result €37k, both a record.
31-12
Financial
Equity above €100kEq €101k ▲57.5%
4 profitable years in a row build equity to €101k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity times 5current ratio 4.14
Current ratio from 0.88 to 4.14; short-term debt falls from €26k to €8k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
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, Brasschaat · 1 establishment unit since 2022
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.
Kaartseplein 12930 BrasschaatGround area
344 m²
Building footprint
219 m²
Volume, LiDAR
1,705 m³
Parcel 11323F0353/00P002, Flanders · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Kaartseplein 1, 2930 Brasschaat
since 20222.328.164.108
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11323F0353/00P002 | Flanders | 343 m² | 1 · 219 m² | 9.8 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrasschaat2.328.164.108
Similar companies · same sector, comparable size
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Kajoma
BE 0836.558.583
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LES P TITS PAINS D ABORD
BE 0859.647.949
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PERSONAL TOUCH
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Of 21,904 companies in sector 56112 we hold annual accounts for 9,781. 7,815 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2022
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress 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.