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HAMBYDEV

Active
Private limited companyfounded 2020active for 5 yearsVanderborghtstraat 14, 1081 Koekelberg, BelgiumKBO/BCE: BE 0760.523.253
Summary

HAMBYDEV has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3,000 and a net result of €50,957. Equity is shrinking by about 27% per year and would, assuming unchanged policy, indicatively turn negative around financial year 2026. Its solvency ranks better than 10% of 11,675 sector peers (NACE 71, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Activity
Activities of building architects
NACE 71111Business and other management consultancy NACE 70200
1 site
Size
€103,508total assets 2025
Equity
€3,000
Profit
€50,957
Turnover not published (micro format)
Financial health
91 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
Accounts filed 2 days late0 of 1 deed read
Why 91raises riskEquity €3,000 (2.9% of total assets)lowers riskSector: Architectural and engineering activities; technical testing and analysis (NACE 71)Liquidity: current ratio 1.00, cash €58,286Size: total assets €103,508Show the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 27% of its sector peers (NACE 71, micro)
Financial strength · tick = 2024
Weak
Solvency 28+2
equity 2.9% of total assets
Liquidity 50-13
short-term debt 97.1% · cash 56.3%
Profitability 65-1
return on assets 49.2%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (14,806 companies, NACE 71, micro)
Last 24 months 11-2024: < 0.1%lowest value 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: 0.1%▲ +0.1 percentage points vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.2%▲ +0.1 percentage points vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.3%▲ +0.1 percentage points vs 01-2026highest value 03-2026: 0.1%▼ -0.2 percentage points vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 71, micro): better than 11% on solvency, 31% on liquidity, 27% on profitability and 39% on growth.

The bankruptcy probability was computed on 18-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
KBO
lowers risk · Liquidity: current ratio 1.00, cash €58,286
NBB · annual accounts
lowers risk · Size: total assets €103,508
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Equity €3,000 (2.9% of total assets)
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 11675 sector peers (2025).
NBB · sector comparison
Position among 11675 sector peers
Solvency
better than 10%
← weakest strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filings
Deviation from the deadline
2025
2 days late
2024
14 days early
2023
2 days early
2022
35 days early
2021
28 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 15 days before the deadline; the sector median (NACE 71) for financial year 2024 is 8 days before the deadline, and 34% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 17 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end19-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Back to profitnet €50,957
  3. Annual accounts filedfinancial year 2024 · micro…

Financials · financial year 2025, micro format

2025 annual accounts filed late (2 days) Filed on 2 February 2026, deadline 31 January 2026 (7 months after the close on 30 June 2025, Companies Code art. 3:10). Source: NBB, 2026-00027174.

Equity
€3,000=
2024 · €3,000
Total assets
€103,508▼ 54.8%
2024 · €229,063
Net result
€50,957
2024 · -€5,725
Working capital
-€343
2024 · €65,349
Trend over the years

2021 to 2025, 5 financial years

The operating result recovers in 2025; 2025 is 769% above 2024 and is the highest result in the available series.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€121,921 2025 Net result€50,957 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 71, Architectural and engineering activities; technical testing and analysis: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the financial year before
favourable unfavourable
Line20212022202320242025
Operating result€54,660-€52,510▼ 3.9%€54,971▲ 4.7%€14,023▼ 74.5%€121,921▲ 769%
Net result€41,036above the sector's middle half-€37,310within the sector's middle half▼ 9.1%€39,447within the sector's middle half▲ 5.7%-€5,725below the sector's middle half€50,957above the sector's middle half
Equity€44,036within the sector's middle half-€81,346within the sector's middle half▲ 84.7%€120,793within the sector's middle half▲ 48.5%€3,000below the sector's middle half▼ 97.5%€3,000below the sector's middle half=
Total assets€69,162within the sector's middle half-€111,779within the sector's middle half▲ 61.6%€151,561within the sector's middle half▲ 35.6%€229,063within the sector's middle half▲ 51.1%€103,508within the sector's middle half▼ 54.8%
Debt€25,126-€30,434▲ 21.1%€30,768▲ 1.1%€158,942▲ 417%€100,508▼ 36.8%
Working capital€43,021within the sector's middle half-€80,737within the sector's middle half▲ 87.7%€115,300above the sector's middle half▲ 42.8%€65,349within the sector's middle half▼ 43.3%-€343below the sector's middle half
Solvency63.7%within the sector's middle half-72.8%within the sector's middle half▲ 9.1pp79.7%above the sector's middle half▲ 6.9pp1.3%below the sector's middle half▼ 78.4pp2.9%below the sector's middle half▲ 1.6pp
Current ratio2.71within the sector's middle half-3.65within the sector's middle half▲ 0.944.75above the sector's middle half▲ 1.091.41within the sector's middle half▼ 3.341.00below the sector's middle half▼ 0.41
Return on assets (ROA)59.3%above the sector's middle half-33.4%above the sector's middle half▼ 26.0pp26.0%above the sector's middle half▼ 7.4pp-2.5%below the sector's middle half▼ 28.5pp49.2%above the sector's middle half▲ 51.7pp
Staff (FTE)1
above within below the middle half of NACE 71, Architectural and engineering activities; technical testing and analysis: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €103,508
Fixed assets €3,343 ▼ 30.0%
Current assets €100,165 ▼ 55.3%
Equity and liabilities €103,508
Equity €3,000 =
Provisions €0 ▼ 100%
Debt €100,508 ▼ 36.8%
Debt's share of the balance-sheet total rises from 69.4% to 97.1%. Debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€124,542▲
2024 · €16,053
Cash flow
€53,578▲
2024 · -€3,695
Debt to equity
33.50▼
2024 · 52.98
Interest coverage
1.75▼
2024 · 9.37
Debt ≤ 1 year
€100,508▼
2024 · €158,942
Income taxes
€896▼
2024 · €21,463
Staff costs
€18,832▲
2024 · €6,280
A ratio outside any meaningful range has been withheld (balance sheet total €103,508, equity €3,000).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,153 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96.1% are still going.

  • Micro
  • 5 to 10 years old
  • solvency under 10%
  • a profit of 5% of the balance sheet or more
1.7% went bankrupt
2.2% stopped otherwise
96.1% still going

For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,472 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,153 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet Code20242025
Assets
Total assets20/58€229,063€103,508▼
Fixed assets21/28€4,773€3,343▼
Tangible fixed assets22/27€4,773€3,343▼
Plant, machinery and equipment23€565€287▼
Furniture and vehicles24€4,208€3,056▼
Current assets29/58€224,291€100,165▼
Amounts receivable within one year40/41€116,837€36,394▼
Trade receivables40€29,840€12,048▼
Other amounts receivable41€86,997€24,346▼
Cash at bank and in hand54/58€106,873€58,286▼
Deferred charges and accrued income490/1€581€5,485▲
Equity and liabilities
Total equity and liabilities10/49€229,063€103,508▼
Equity10/15€3,000€3,000=
Contributions10/11€3,000€3,000=
Provisions and deferred taxes16€67,121-
Provisions for liabilities and charges160/5€67,121-
Other liabilities and charges164/5€67,121-
Amounts payable17/49€158,942€100,508▼
Amounts payable within one year42/48€158,942€100,508▼
Trade debts44€6,964€10,426▲
Suppliers440/4€6,964€10,426▲
Taxes, remuneration and social security45€39,969€39,313▼
Taxes450/3€37,826€34,499▼
Remuneration and social security454/9€2,143€4,814▲
Other amounts payable47/48€112,010€50,769▼
Income statement Code20242025
Remuneration, social security and pensions62€6,280€18,832▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,030€2,620▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€67,121-€67,121▼
Other operating charges640/8€918€1,452▲
Gross operating margin9900€90,372€77,705▼
Operating profit (loss)9901€14,023€121,921▲
Financial income75/76B€3,428€1,157▼
Recurring financial income75€3,428€1,157▼
Financial charges65/66B€1,713€71,225▲
Recurring financial charges65€1,713€71,225▲
Profit (loss) for the period before taxes9903€15,738€51,853▲
Income taxes67/77€21,463€896▼
Profit (loss) for the period9904-€5,725€50,957▲
Profit (loss) for the period to be appropriated9905-€5,725€50,957▲
Appropriation of the result
Profit (loss) to be appropriated9906€112,068€50,957▼
Profit (loss) brought forward from the previous period14P€117,793-
Profit to be distributed694/7€112,068€50,957▼
Return on contributions (dividend)694€112,068€50,957▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Remuneration, social security and pensions62---€6,280€18,832▲ 200%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€202€406€1,026€2,030€2,620▲ 29.1%
Provisions for liabilities and charges: additions (uses and reversals)635/8---€67,121-€67,121-
Other operating charges640/8-€2,056€1,696€918€1,452▲ 58.1%
Gross operating margin9900€55,680€54,971€57,692€90,372€77,705▼ 14.0%
Operating profit (loss)9901€54,660€52,510€54,971€14,023€121,921▲ 769%
Financial income75/76B--€123€3,428€1,157▼ 66.2%
Recurring financial income75€0-€123€3,428€1,157▼ 66.2%
Financial charges65/66B-€1,543€1,326€1,713€71,225▲ 4,059%
Recurring financial charges65€915€1,543€1,326€1,713€71,225▲ 4,059%
Profit (loss) for the period before taxes9903€53,745€50,967€53,768€15,738€51,853▲ 229%
Income taxes67/77€12,710€13,657€14,321€21,463€896▼ 95.8%
Profit (loss) for the period9904€41,036€37,310€39,447-€5,725€50,957-
Profit (loss) for the period to be appropriated9905€41,036€37,310€39,447-€5,725€50,957-
Line20212022202320242025Change
Assets
Total assets20/58€69,162€111,779€151,561€229,063€103,508▼ 54.8%
Fixed assets21/28€1,015€609€5,493€4,773€3,343▼ 30.0%
Tangible fixed assets22/27€1,015€609€5,493€4,773€3,343▼ 30.0%
Plant, machinery and equipment23--€843€565€287▼ 49.3%
Furniture and vehicles24-€609€4,650€4,208€3,056▼ 27.4%
Current assets29/58€68,147€111,170€146,067€224,291€100,165▼ 55.3%
Amounts receivable within one year40/41€27,316€32,581€27,977€116,837€36,394▼ 68.9%
Trade receivables40-€32,581€27,977€29,840€12,048▼ 59.6%
Other amounts receivable41---€86,997€24,346▼ 72.0%
Cash at bank and in hand54/58€39,513€77,923€117,455€106,873€58,286▼ 45.5%
Deferred charges and accrued income490/1-€666€635€581€5,485▲ 843%
Equity and liabilities
Total equity and liabilities10/49€69,162€111,779€151,561€229,063€103,508▼ 54.8%
Equity10/15€44,036€81,346€120,793€3,000€3,000=
Contributions10/11-€3,000€3,000€3,000€3,000=
Profit (loss) carried forward14€41,036€78,346€117,793---
Provisions and deferred taxes16---€67,121--
Provisions for liabilities and charges160/5---€67,121--
Other liabilities and charges164/5---€67,121--
Amounts payable17/49€25,126€30,434€30,768€158,942€100,508▼ 36.8%
Amounts payable within one year42/48€25,126€30,434€30,768€158,942€100,508▼ 36.8%
Trade debts44€1,176€1,203€889€6,964€10,426▲ 49.7%
Suppliers440/4-€1,203€889€6,964€10,426▲ 49.7%
Taxes, remuneration and social security45-€28,856€29,878€39,969€39,313▼ 1.6%
Taxes450/3-€28,856€29,878€37,826€34,499▼ 8.8%
Remuneration and social security454/9---€2,143€4,814▲ 125%
Other amounts payable47/48-€375-€112,010€50,769▼ 54.7%
Line20212022202320242025Change
Profit (loss) for the period9904€41,036€37,310€39,447-€5,725€50,957-
+ Depreciation and write-downs630€202€406€1,026€2,030€2,620▲ 29.1%
Operating cash flow (approximation)€41,238€37,716€40,473-€3,695€53,578-
Investment in fixed assets (approximation)-€0-€5,910-€1,309-€1,191▲ 9.0%
Change in cash-€38,410€39,532-€10,582-€48,586▼ 359%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (5)
Financial year Type Filed Reference
30-06-2025 micro format 02-02-2026 2026-00027174
30-06-2024 micro format 17-01-2025 2025-00006935
30-06-2023 micro format 29-01-2024 2024-00011576
30-06-2022 micro format 27-12-2022 2022-20549250
30-06-2021 micro format 03-01-2022 2022-00100425

Similar companies · same sector, comparable size

Of the 18,232 active companies whose main activity is activities of building architects (NACE 71111), figures are known for 6,409. 1,607 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
No directors read yet: 0 of 1 Gazette act processed. See the directors and other office holders in the KBO →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

History

HAMBYDEV was incorporated on 24 December 2020 as a private limited company.1 Total assets rose from €69,162 in 2021 to €103,508 in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2021 and 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-01-2027
2026
02-02
NBB filing Annual accounts filed
financial year 2025 · micro format · 2 days late
2025
30-06
Financial Back to profitnet €50,957
Net result €50,957 after one loss-making year.
17-01
NBB filing Annual accounts filed
financial year 2024 · micro format
2024
30-06
Financial Weakest financial yearnet -€5,725
Net result drops to -€5,725, the lowest in the series; recovery starts the following year.
29-01
NBB filing Annual accounts filed
financial year 2023 · micro format
2023
30-06
Financial Equity above €100,000equity €120,793 ▲48.5%
A profit in every financial year since 2021 builds equity to €120,793.
2022
27-12
NBB filing Annual accounts filed
financial year 2022 · micro format
03-01
NBB filing Annual accounts filed
financial year 2021 · micro format
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
0 of 1 deed read
About the unread acts

We know of 1 Belgian Official Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Register details

Identification
Legal formPrivate limited company
Founded24-12-2020
Financial year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
71111Activities of building architects
Contact
E-mail jfh@hambydev.com
E-invoicing
Reachable via Peppol
Peppol ID 0208:0760523253
Registered 09-01-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 18 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Recognitions · licences · registrations

Legal Entity Identifier

984500N5FRAEB2AB9B82
live in the LEI register

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Koekelberg · 1 establishment unit since 2020
registered office establishment The establishment unit on the map
Ground area
162 m²
Building footprint
66 m²
Building volume
745 m³
Parcel 21492B0007/00L005, Brussels · tallest building 16.3 m. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
HAMBYDEV
Vanderborghtstraat 14, 1081 KoekelbergRetail sale of wines and spirits
since 2020unit no. 2.312.164.254
1 parcel
Brussels 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
21492B0007/00L005 Brussels 162 m² 1 · 66 m² 16.3 m · 4
How the parcels are linked
Good to know
The parcel matches the address exactly.