Summary
HAM Holding is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €195,336 and a net result of -€3,218. Its solvency ranks better than 59% of 8091 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 29 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€195,336▼ 1.6%
2024 · €198,554
Net result
-€3,218▼ 122%
2024 · -€1,446
Total assets
€311,886▼ 1.5%
2024 · €316,603
Solvency
62.6%▼ 0.1pp
2024 · 62.7%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result€1,900--€2,973
Net result-€1,446below the sector's middle half--€3,218below the sector's middle half▼ 122%
Equity€198,554within the sector's middle half-€195,336within the sector's middle half▼ 1.6%
Total assets€316,603within the sector's middle half-€311,886within the sector's middle half▼ 1.5%
Debt€118,049-€116,550▼ 1.3%
Working capital-€107,675below the sector's middle half--€113,483below the sector's middle half▼ 5.4%
Solvency62.7%within the sector's middle half-62.6%within the sector's middle half▼ 0.1pp
Current ratio0.09below the sector's middle half-0.03below the sector's middle half▼ 0.06
Return on assets (ROA)-0.5%below the sector's middle half--1.0%below the sector's middle half▼ 0.6pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2,973 after €1,900 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €303,067
Fixed assets
€300,000 =
Current assets
€3,067 ▼ 70.4%
Equity and liabilities €311,886
Equity
€195,336 ▼ 1.6%
Debt
€116,550 ▼ 1.3%
Debt's share of the balance-sheet total rises from 37.3% to 37.4%. Equity and debt are lower.
Key figures and ratios
ROE
-1.6%▼
2024 · -0.7%
Debt ≤ 1 year
€116,550▼
2024 · €118,049
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,460 | €2,570 | ▲ 76.0% |
| Gross operating margin9900 | €3,360 | -€403 | ▼ 112% |
| Operating profit (loss)9901 | €1,900 | -€2,973 | ▼ 256% |
| Financial charges65/66B | €3,346 | €245 | ▼ 92.7% |
| Recurring financial charges65 | €3,346 | €245 | ▼ 92.7% |
| Profit (loss) for the period before taxes9903 | -€1,446 | -€3,218 | ▼ 122% |
| Profit (loss) for the period9904 | -€1,446 | -€3,218 | ▼ 122% |
| Profit (loss) for the period to be appropriated9905 | -€1,446 | -€3,218 | ▼ 122% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €316,603 | €311,886 | ▼ 1.5% |
| Formation expenses20 | €6,229 | €8,818 | ▲ 41.6% |
| Fixed assets21/28 | €300,000 | €300,000 | = |
| Financial fixed assets28 | €300,000 | €300,000 | = |
| Current assets29/58 | €10,374 | €3,067 | ▼ 70.4% |
| Amounts receivable within one year40/41 | €9,333 | €2,710 | ▼ 71.0% |
| Trade receivables40 | €9,304 | - | - |
| Other amounts receivable41 | €29 | €2,710 | ▲ 9,117% |
| Cash at bank and in hand54/58 | €1,041 | €358 | ▼ 65.6% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €316,603 | €311,886 | ▼ 1.5% |
| Equity10/15 | €198,554 | €195,336 | ▼ 1.6% |
| Contributions10/11 | €200,000 | €200,000 | = |
| Profit (loss) carried forward14 | -€1,446 | -€4,664 | ▼ 222% |
| Amounts payable17/49 | €118,049 | €116,550 | ▼ 1.3% |
| Amounts payable within one year42/48 | €118,049 | €116,550 | ▼ 1.3% |
| Trade debts44 | €7,689 | - | - |
| Suppliers440/4 | €7,689 | - | - |
| Other amounts payable47/48 | €110,360 | €116,550 | ▲ 5.6% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€1,446 | -€3,218 | ▼ 122% |
| + Depreciation and write-downs630 | €1,460 | €2,570 | ▲ 76.0% |
| Operating cash flow (approximation) | €14 | -€648 | ▼ 4,750% |
| Investment in fixed assets (approximation) | - | -€2,570 | - |
| Change in cash | - | -€683 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Oudergem · 1 establishment unit since 2023
Ground area
5,334 m²
Building footprint
3,913 m²
Volume, LiDAR
26,262 m³
Parcel 21002A0168/00M011, Brussels · tallest building 17.4 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
HAM Holding
since 20232.349.590.418
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21002A0168/00M011 | Brussels | 5,334 m² | 1 · 3,913 m² | 17.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
DE RUYSSCHER FACILITY
BE 0836.546.806
Sint-Niklaas · Eq €195,248
TIM CLOCKAERTS CONSULTING
BE 0777.533.786
Lummen · Eq €195,430
TDB Consulting
BE 0544.980.246
Lochristi · Eq €195,466
HOLDING VAN BAEL
BE 0541.955.232
Antwerpen · Eq €195,180
WORLD WIDE MANAGEMENT
BE 0475.434.513
Haacht · Eq €195,496
Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,519 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-09-2023
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0805800378
Registered
30-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.