HAMOUCHI
ActiveThe computed 12-month bankruptcy probability of HAMOUCHI is 3.3% (moderate). The 2022 annual accounts show equity of €164k and a net result of €22k. Equity is growing by ~20.8% per year across the filed fiscal years. The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2022
88
/ 100
Excellent= vs 2021
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2021
Profitability66▼-23
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days only on tighter terms
Liquidity ample (current ratio 3.72 against 8.71 in 2021), and 26.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2022Solvency, return and age of the figures
Solvency
73.9%
Return on assets
9.8%
Age of the figures
44 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2023 close31-07-2024 deadline12-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 29-11-2023, 121 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
121 d late
2021
61 d late
2020
92 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2022, micro schema
Equity
€164k▲ 15.3%
2021 · €142k
2018: €25k
2019: €100k
2020: €117k
2021: €142k
2018 → 2022
Total assets
€222k▲ 38.7%
2021 · €160k
2018: €134k
2019: €178k
2020: €167k
2021: €160k
2018 → 2022
Net result
€22k▼ 13.8%
2021 · €25k
2018: €21k
2019: €75k
2020: €26k
2021: €25k
2018 → 2022
Working capital
€158k▲ 15.2%
2021 · €137k
2018: €28k
2019: €92k
2020: €112k
2021: €137k
2018 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20182019202020212022Trend
Equity€25k-€100k▲ 294%€117k▲ 17.5%€142k▲ 21.5%€164k▲ 15.3%
Operating result€27k-€90k▲ 231%€39k▼ 56.8%€79k▲ 101%€82k▲ 3.6%
Net result€21k-€75k▲ 264%€26k▼ 64.8%€25k▼ 4.7%€22k▼ 13.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2020 the operating result has climbed two years in a row; 2022 is 4% above 2021.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €222k
Fixed assets
€6k▲ 16.5%
Current assets
€216k▲ 39.4%
Equity and liabilities €222k
Equity
€164k▲ 15.3%
Debt
€58k▲ 226%
The debt ratio rises from 11.1% to 26.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€83k▲
2021 · €80k
Cash flow
€23k▼
2021 · €27k
Solvency
73.9%▼
2021 · 88.9%
Current ratio
3.72▼
2021 · 8.71
Quick ratio
3.72▼
2021 · 8.71
Debt / equity
0.35▲
2021 · 0.12
ROE
13.3%▼
2021 · 17.7%
ROA
9.8%▼
2021 · 15.8%
Interest coverage
1.60▼
2021 · 1.77
Debt
€58k▲
2021 · €18k
Debt ≤ 1 year
€58k▲
2021 · €18k
Income taxes
€8k▼
2021 · €8k
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 · 2022 against 2021
Balance sheet
Code20212022
Assets
Total assets20/58€160k€222k▲
Fixed assets21/28€5k€6k▲
Tangible fixed assets22/27€5k€6k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€357-
Other tangible fixed assets26€5k€4k▼
Current assets29/58€155k€216k▲
Cash at bank and in hand54/58€150k€215k▲
Deferred charges and accrued income490/1€5k€1k▼
Equity and liabilities
Total equity and liabilities10/49€160k€222k▲
Equity10/15€142k€164k▲
Contributions10/11€12k€12k=
Outside capital11€12k€12k=
Other1109/19€12k€12k=
Reserves13€130k€152k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€128k€150k▲
Amounts payable17/49€18k€58k▲
Amounts payable within one year42/48€18k€58k▲
Trade debts44€3k€38▼
Suppliers440/4€3k€38▼
Taxes, remuneration and social security45€13k€13k▼
Taxes450/3€13k€13k▼
Other amounts payable47/48€2k€45k▲
Income statement
Code20212022
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€5k€5k▲
Gross operating margin9900€85k€88k▲
Operating profit (loss)9901€79k€82k▲
Financial income75/76B€128-
Recurring financial income75€128-
Financial charges65/66B€45k€52k▲
Recurring financial charges65€45k€52k▲
Profit (loss) for the period before taxes9903€34k€30k▼
Income taxes67/77€8k€8k▼
Profit (loss) for the period9904€25k€22k▼
Profit (loss) for the period to be appropriated9905€25k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€22k▼
Transfer to equity691/2€25k€22k▼
To other reserves6921€25k€22k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2023
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 121 days late
2022
31-12
Financial
Equity above €150kEq €164k ▲15.3%
5 profitable years in a row build equity to €164k.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 8.71
Current ratio from 3.24 to 8.71; short-term debt falls from €50k to €18k.
31-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 92 days late
2020
31-12
Financial
Equity above €100kEq €117k ▲17.5%
3 profitable years in a row build equity to €117k.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Highest result since 2018net €75k ▲264%
Operating result €90k, net result €75k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 10 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 days late
2016
25-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 25 days late
2015
17-07
NBB filing
Annual accounts filed
fiscal year 2014 · full schema
2014
24-07
NBB filing
Annual accounts filed
fiscal year 2013 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ukkel · 1 establishment unit since 2011
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.
Vanderkinderestraat 4041180 UkkelGround area
188 m²
Building footprint
105 m²
Volume, LiDAR
1,236 m³
Parcel 21612C0001/00H058, Brussels · tallest building 17.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Vanderkinderestraat 404, 1180 Ukkel
since 20112.195.799.193
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0001/00H058 | Brussels | 188 m² | 1 · 105 m² | 17.1 m · 5 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded02-12-2010
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.