HAMA Consulting is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €353k and a net result of €160k. Equity is growing by ~69% per year across the filed fiscal years. Its solvency ranks better than 72% of 9864 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-06-2025, 51 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
51 d early
2023
43 d early
2022
55 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€353k▲ 82.2%
2023 · €194k
2022: €86k
2023: €194k
2022 → 2024
Net result
€160k▲ 47.0%
2023 · €109k
2022: €81k
2023: €109k
2022 → 2024
Total assets
€460k▲ 116%
2023 · €213k
2022: €97k
2023: €213k
2022 → 2024
Solvency
76.7%▼ 14.0pp
2023 · 90.7%
2022: 88.2%
2023: 90.7%
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€86k-€194k▲ 126%€353k▲ 82.2%
Operating result€103k-€138k▲ 34.4%€203k▲ 47.2%
Net result€81k-€109k▲ 33.9%€160k▲ 47.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2024 is 47% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €460k
Equity
€353k▲ 82.2%
Debt
€107k▲ 442%
The debt ratio rises from 9.3% to 23.3%. Equity and debt are higher.
Key figures and ratios
Solvency
76.7%▼
2023 · 90.7%
ROE
45.4%▼
2023 · 56.3%
ROA
34.8%▼
2023 · 51.0%
Debt
€107k▲
2023 · €20k
Debt ≤ 1 year
€107k▲
2023 · €20k
Income taxes
€49k▲
2023 · €30k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€213k€460k▲
Current assets29/58€213k€460k▲
Amounts receivable within one year40/41€19k€71k▲
Trade receivables40€18k€71k▲
Other amounts receivable41€969€1▼
Current investments50/53€190k€360k▲
Cash at bank and in hand54/58€3k€29k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€213k€460k▲
Equity10/15€194k€353k▲
Contributions10/11€5k€5k=
Reserves13€189k€348k▲
Distributable reserves133€189k€348k▲
Amounts payable17/49€20k€107k▲
Amounts payable within one year42/48€20k€107k▲
Trade debts44€800€42k▲
Suppliers440/4€800€42k▲
Taxes, remuneration and social security45€16k€60k▲
Taxes450/3€16k€56k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€3k€5k▲
Accrued charges and deferred income492/3-€244
Income statement
Code20232024
Other operating charges640/8€648€5k▲
Gross operating margin9900€139k€208k▲
Operating profit (loss)9901€138k€203k▲
Financial income75/76B€1k€7k▲
Recurring financial income75€1k€7k▲
Financial charges65/66B-€804
Recurring financial charges65-€804
Profit (loss) for the period before taxes9903€139k€209k▲
Income taxes67/77€30k€49k▲
Profit (loss) for the period9904€109k€160k▲
Profit (loss) for the period to be appropriated9905€109k€160k▲
Appropriation of the result
Profit (loss) to be appropriated9906€109k€160k▲
Transfer to equity691/2€108k€159k▲
To other reserves6921€108k€159k▲
Profit to be distributed694/7€833€859▲
Return on contributions (dividend)694€833€859▲
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
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €160k ▲47%
Operating result €203k, net result €160k, both a record.
31-12
Financial
Equity above €200kEq €353k ▲82.2%
3 profitable years in a row build equity to €353k.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €194k ▲126%
2 profitable years in a row build equity to €194k.
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Laarne · 1 establishment unit since 2021
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.
Eekhoekstraat 669270 LaarneGround area
3,553 m²
Building footprint
201 m²
Volume, LiDAR
1,184 m³
Parcel 42010C1090/00D000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HAMA Consulting
since 20212.326.265.282
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42010C1090/00D000 | Flanders | 3,553 m² | 1 · 201 m² | 9.0 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.
Similar companies · same sector, comparable size
CORDER
BE 0447.888.788
Kortrijk · Eq €353k
Repro Invest
BE 0768.820.416
Antwerpen · Eq €353k
B.S.B.
BE 0479.589.477
Knokke-Heist · Eq €353k
Michaïa
BE 0757.543.967
Sint-Joost-ten-Node · Eq €353k
GAUDEAMUS
BE 0473.625.660
Zedelgem · Eq €353k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,759. 13,767 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2021
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.