Turnover
≈ €54,000 estimated
The micro format states no turnover.
Hamoss
Overview
Lifetime
1 annual account with figurespeak €4,028 (2025)
€4,028
peak €2,332 (2025)
€2,332
peak €2,332 (2025)
€2,332
€9,318
Board1 name since 2024
1 directorEl Mossaoui Hamza
Documentsfilings and deeds
22-07-20269 days before the deadline
2025micro format
First year with figures
Key points
from the 2025 annual accountsDebts
€9,318 80% of the balance sheet
Suppliers 8%Taxes and wages 17%Other 75%
Position in the sector
€2,332
Less equity than 90% of companies in specialised construction. Sector median €57,691 · 35,148 companies.
Checked score
67
Healthy
Financially stronger than 51% of micro companies in specialised construction (NACE 43)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2025: 1.9%
01-2026: 1.9%● unchanged vs 12-2025
02-2026: 2.0%▲ +0.1 percentage points vs 01-2026
03-2026: 2.3%▲ +0.3 percentage points vs 02-2026
04-2026: 2.4%▲ +0.1 percentage points vs 03-2026
05-2026: 2.7%▲ +0.3 percentage points vs 04-2026
06-2026: 2.7%● unchanged vs 05-2026
07-2026: 3.0%▲ +0.3 percentage points vs 06-2026highest value
08-2026: 0.9%▼ -2.1 percentage points vs 07-2026
09-2026: 0.9%● unchanged vs 08-2026lowest value
10-2026: 0.9%● unchanged vs 09-2026
11-2026: 0.9%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Sector: Specialised construction activities (NACE 43)
Equity €2,332 (20.0% of total assets)
lowers risk
Liquidity: current ratio 1.11, cash €5,132
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 (NACE 43, micro). It does better than 22% of them on solvency, 53% on liquidity and 80% on profitability.
The bankruptcy probability was computed on 09-11-2026 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 low class on 30-06-2025, 0.8% 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, 2,390 companies had the same profile as Hamoss has now. Each dot stands for 6 companies, two years later.
96.6%
were still trading
2.0%
stopped another way
1.2%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Hamoss itself: 0.9% 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 2,390 companies, not a prediction for Hamoss. 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 check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 35136 sector peers (2025).
NBB · sector comparisonPosition among 35136 sector peers
Solvency
better than 22%
← weakest
strongest →
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 22-07-2026, 9 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
9 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1016380945
Incorporation
Founding capital of €2,500, 100 shares · Founder: El Mossaoui Hamza · Appointment: El Mossaoui Hamza (director) · published on 21-11-2024 · Gazette deed
First establishment
Dijkstraat 78, Zele
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Hamoss Zele | €11,650 | €4,028 | 20.0% | - |
| RRB CONSTRUCT Grimbergen | €12,987 | €5,154 | 37.8% | - |
| F&L CONSTRUCT Sint-Gillis (bij-Brussel) | €11,419 | €5,406 | 5.6% | - |
| BOLO PROJECTS Aalst | €11,514 | €3,308 | 59.7% | - |
| VC AMARO Sint-Pieters-Leeuw | €14,541 | €4,509 | 3.4% | - |
| BatiNex Namur | €11,381 | €5,365 | 53.9% | - |
| HOME WORK Knokke-Heist | €14,768 | €3,933 | 21.0% | - |
These companies have the same main activity as Hamoss: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €11,400 and €14,800, founded between 2023 and 2025.
Official details
Source: KBO- Status
- Active since 19-11-2024Normal situation
- Activity
- Other specialised construction activitiesNACE 43990and 5 others
- Establishment unit
- 2.366.506.6249240 Zele, since 19-11-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 11-12-2024
Annual accounts 2025
- €4,028
- €2,332
- €2,332
- €11,650
- Filing
- Filed on 22-07-2026, 9 days before the end of the filing period
Insights on Hamoss
Hamoss has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2,332 and a net result of €2,332.
Its solvency ranks better than 22% of 35,136 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 22-07-2026, 9 days before the deadline€4,028
€3,880
€2,332
€1,003
20.0%
1.11
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €54,000. Estimated: probably between €29,000 and €100,000.
Balance sheet
balance sheet total €11,650 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
20.0%
Higher than 22% of 35,136 companies in 2025.
1.11
Higher than 25% of 34,510 companies in 2025.
20.0%
Higher than 77% of 34,711 companies in 2025.
Hamoss
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
11,650 | |
21/28 |
1,329 | |
22/27 |
1,329 | |
24 |
1,329 | |
29/58 |
10,320 | |
40/41 |
5,189 | |
40 |
4,495 | |
41 |
694 | |
54/58 |
5,132 | |
| Balance sheet: equity and liabilities | ||
10/49 |
11,650 | |
10/15 |
2,332 | |
13 |
2,332 | |
133 |
2,332 | |
17/49 |
9,318 | |
42/48 |
9,318 | |
44 |
787 | |
440/4 |
787 | |
45 |
1,548 | |
450/3 |
1,548 | |
47/48 |
6,983 | |
| Income statement | ||
9900 |
4,028 | |
630 |
147 | |
9901 |
3,880 | |
65/66B |
0 | |
65 |
0 | |
9903 |
3,880 | |
67/77 |
1,548 | |
9904 |
2,332 | |
9905 |
2,332 | |
| Appropriation of the result | ||
9906 |
2,332 | |
691/2 |
2,332 | |
6921 |
2,332 | |
| Document | ||
The notes to these accounts have 4 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 22-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 22-07-2026 | 2026-00317810 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 4,028 | ||
| 2,479 | ||
| 1,477 | ||
| 1,003 | ||
| 20.0% | ||
| 1.11 | ||
| 4.00 | ||
| 100.0% | ||
| 20.0% | ||
| over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €1,477 |
| €147 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on Hamoss
Debt's share of the balance-sheet total is 80.0%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 21-11-2024
term without a fixed end
Mandates through the years
1 name, the dashed line is todayEl Mossaoui Hamza
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- El Mossaoui Hamza
- Director (not named in the articles), appointed by deed of 21-11-2024, still in office
Control
Capital
- Contribution
- €2,500
- Shares
- 100
- Contribution per share
- €25
- Equity per share
- €23.32 in 2025
- Source
- deed of 21-11-2024
Articles of association
deed of 21-11-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Algemene vergadering die benoemt bepaalt aantal,duur opdracht en bij meerdere bevoegdheid, onbepaalde duur bij gebrek bepaling”
- Dissolution ruleThe articles set when and by whom the company can be dissolved.
- “Besluit algemene vergadering beraadslagend zoals inzake statutenwijziging”
Shareholders
At incorporation
deed of 21-11-2024 ↗
- El Mossaoui Hamza 100 shares (100%) · in cash
Network & group
No group
Hamoss has no parent and no holdings in its annual accounts. El Mossaoui Hamza is the only director. Hamoss shares no director with another company.
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 9 days before the deadline
2024
Registered in the Peppol Directory Reachable for e-invoices through 0208:1016380945
IncorporationFounding capital of €2,500, 100 shares · Founder: El Mossaoui Hamza · Appointment: El Mossaoui Hamza (director) · published on 21-11-20244 points ▸
- Founder, El Mossaoui Hamza
- Founding capital, €2,500, 100 shares
- Director appointment, El Mossaoui Hamza (director (not named in the articles))
- Board rule, 1
- The deed holds 6 more points.
First establishment Dijkstraat 78, Zele
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1016.380.945
- VAT number
- BE 1016.380.945
- Peppol ID
- 0208:1016380945
- Other Peppol ID
- 9925:BE1016380945
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 19-11-2024
- Financial year
- ends on 31 December
- Peppol
- Reachable since 11-12-2024Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Hamoss in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 21-11-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 21-11-2024 (in Dutch)
Activities
NACEBEL 202543990
Other specialised construction activities main activity
43310
Plastering work
Codes under NACEBEL 2008
43999
Specialised construction activities main activity
43130
Specialised construction activities
43211
Specialised construction activities
43310
Plastering work
45113
62090
Computer programming, consultancy and related activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Leggen van kabels en aansluiting van water en rioleringswerken; Grondverzet,graven,ophogen,egaliseren en nivelleren van bouwterreinen,graven…”deed of 21-11-2024 (in Dutch)
28 activities
- Leggen van kabels en aansluiting van water en rioleringswerken
- Grondverzet,graven,ophogen,egaliseren en nivelleren van bouwterreinen,graven van sleuven
- Graafwerkzaamheden
- Aanleg en onderhoud van diverse terreinen
- Het graven en onderhouden van vijvers
- Het uitvoeren van algemene grondwerken
- Bijzondere grondwerken zoals boringen,peilingen,uitdiepingen,het neerslaan van de grondwaterspiegel,funderingswerken,heiwerk damplanken en versterkingswerken van de bodem volgens allerlei methodes
- Overige werkzaamheden in verband met de afwerking van gebouwen,niet eerder genoemd
- Algemene bouwactiviteiten en afwerking
- Elektrotechnische installatiewerken aan gebouwen en uitgezonderd aan gebouwen
- Aankoop/verkoop bouwmaterialen en bouwmachines
- Leggen van kabels en aansluiting van water en rioleringswerken
- Het uitvoeren van elektriciteitswerken,telecommunicatie kabels en aansluitingen
- Schilder en behangwerken
- Aanleggen en onderhouden van tuinen,parken,groene gedeelten en parken
- Optrekken,afbreken en onderhouden van steigers
- Uitvoeren van hijs- en hefwerkzaamheden
- Leggen van funderingen,inclusief heien
- Uitvoeren van voeg-,pleister- en reinigingswerken
- Proefboren en boren
- Boren en zagen van beton,vloeren of steen
- Het plaatsen,inrichten,onderhouden en herstellen van speciale installaties zoals het inrichten van fabrieken of werkplaatsen,pompstations,koelinstallaties,enzovoort
- Plaatsen van ventilatie,verwarming met warme lucht,luchtconditionering en de calorifugage van leidingen en kanalisaties
- Aankoop/verkoop en import/export
- Carwash
- De aan- en verkoop,import en export,huur en verhuur en distributie van alle informatica,communicatie en elektronisch materiaal in de ruimste zin van het woord. Dit omvat ook alle mogelijke randapparatuur,toeleveringen en toebehoren.
- Het verlenen van advies,opleidingen,bijstand,hulp,consultancy betreffende diverse vormen van informatie- en communicatietechnologie.
- Het bouwen van websites en sociale media marketing
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Dijkstraat 78 registered office 9240 Zele 43120 Site preparation | 19-11-2024 | 2.366.506.624 |
Buildings and parcels at the address
- Ground area
- 204 m²
- Buildings
- 99 m²
- Volume, LiDAR
- 451 m³
- Tallest building
- 9.7 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 42402C1852/00Z000 | 204 m² | 1 · 99 m² | 9.7 m · 2 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1016.380.945