Turnover
≈ €390,000 estimated
The accounts state no turnover.
HAMMOUD BUSINESS
Lifetime
15 annual accounts with figures on one time axispeak €155,540 (2024)
€154,337▼ 0.8%
lowest -€64,723 (2019)
€30,008▼ 44.4%
peak €367,810 (2025)
€367,810▲ 8.9%
€2.9m▲ 7.7%
Board2 names since 2021
2 directorsHAMMOUD Imad Ahmed and 1 other
Documentsfilings and deeds
24-07-20267 days before the deadline
2025micro format
Result from €53,928 to €30,008Investments €189,000Cash from €71,541 to €203,130
Key points
from the 2025 annual accountsDebts
€2.9m 89% of the balance sheet
Financial debts 20%Suppliers 0%Taxes and wages 0%Other 80%
Of this, €72,938 falls due within a year.
Investments
€189,000 3.1 × depreciation
Green is investment, beige is depreciation.
Checked score
95
Excellent
Financially stronger than 62% of small companies without a NACE code
Probability in this band: under 0.55%
Bankruptcy probability within 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).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged 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: 0.2%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged 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 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Equity €367,810 (11.3% of total assets)
lowers risk
Size: total assets €3.3m
Figures for financial year 2025 (filed on 24-07-2026)
No main activity registered
Calculation
The band follows from the bankruptcy probability. 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 (no NACE code, small). It does better than 22% of them on solvency, 79% on liquidity, 74% on profitability and 74% on growth.
The bankruptcy probability was computed on 06-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 4,107 companies had the same profile as HAMMOUD BUSINESS has now. Each dot stands for 11 companies, two years later.
98.0%
were still trading
0.9%
stopped another way
1.0%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of HAMMOUD BUSINESS itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 4,107 companies, not a prediction for HAMMOUD BUSINESS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €30,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 5.49 (4.67 in 2024), above the usual 1.5. Short-term debt is 2.2% and cash 6.2% of total assets. However, 88.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 days early
2024
13 days early
2023
16 days early
2022
on the day
2021
2 days early
2020
10 days late
2019
59 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 12 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 24 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0834078155
Appointments: HAMMOUD Imad Ahmed (director) and HAMMOUD Kassem (director)
Gazette deed
Incorporation
published on 09-03-2011 · Gazette deed
First establishment
Kapellensteenweg 250, Kalmthout
Official details
Source: KBO- Status
- Active since 23-02-2011Normal situation
- Activity
- “Holdings” (deed in Dutch)From the articles, 27 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.199.056.0192920 Kalmthout, since 23-02-2011
- Financial year end
- 31 December
- Peppol
- Reachable since 02-01-2025
Annual accounts 2025
- €3.3m▲ 7.8%
- Filing
- Filed on 24-07-2026, 7 days before the end of the filing period
Insights on HAMMOUD BUSINESS
HAMMOUD BUSINESS files the micro format. That format states no turnover. The gross margin rose from -€2,844 in 2011 to €154,337 in 2025.
The balance sheet grew most from 2021 to 2023 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about HAMMOUD BUSINESS
- What is the company number of HAMMOUD BUSINESS?
- The company number of HAMMOUD BUSINESS is 0834.078.155. The VAT number is the same number with BE in front: BE 0834.078.155.
- Where is HAMMOUD BUSINESS based?
- The registered office is at Kapellensteenweg 250, 2920 Kalmthout.Company details
- What is the legal form of HAMMOUD BUSINESS?
- HAMMOUD BUSINESS is a private limited company (BV).
- When was HAMMOUD BUSINESS founded?
- HAMMOUD BUSINESS was founded on 23-02-2011.
- Is HAMMOUD BUSINESS still active?
- Yes, HAMMOUD BUSINESS is an active enterprise in the KBO register.
- What is the turnover of HAMMOUD BUSINESS?
- The turnover in financial year 2025 is ≈ €390,000. This figure is estimated from the gross margin of €154,337 and 2,211 comparable companies of the same size. It probably lies between €260,000 and €600,000. It is a rough estimate.Financials
- Is HAMMOUD BUSINESS profitable?
- In financial year 2025, HAMMOUD BUSINESS made a profit of €30,008.
- Where can I find the annual accounts of HAMMOUD BUSINESS?
- HAMMOUD BUSINESS filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of HAMMOUD BUSINESS due?
- HAMMOUD BUSINESS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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