Turnover
≈ €330,000 estimated
The accounts state no turnover.
HAMRO
Lifetime
6 annual accounts with figures on one time axispeak €148,561 (2023)
€106,303
lowest -€27,469 (2022)
-€25,381
peak €191,015 (2021)
€163,858
€39,074
peak 4 FTE (2025)
4 FTE
Board3 names since 2021
3 directorsGhimire Umesh and 2 others
Documentsfilings and deeds
14-09-202645 days late
2025abbreviated format
Loss of €25,3811 director appointed, 2 resignations 29-08No figures for the year before
Key points
from the 2025 annual accountsFilings
6 annual accounts 4 late
The 2019 accounts came latest: 146 days after the end of the period.
Position in the sector
-€25,381
Lower net result than 85% of companies in food and beverage service. Sector median €10,299 · 4,836 companies.
Checked score
39
Weak
Financially stronger than 51% of micro companies in food and beverage service (NACE 56)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
4.9% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,788 companies (NACE 56, micro).
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.7%
01-2025: 2.6%▼ -0.1 percentage points vs 12-2024
02-2025: 2.7%▲ +0.1 percentage points vs 01-2025
03-2025: 2.7%● unchanged vs 02-2025
04-2025: 2.7%● unchanged vs 03-2025
05-2025: 2.7%● unchanged vs 04-2025
06-2025: 2.3%▼ -0.4 percentage points vs 05-2025lowest value
07-2025: 2.4%▲ +0.1 percentage points vs 06-2025
08-2025: 2.8%▲ +0.4 percentage points vs 07-2025
09-2025: 3.2%▲ +0.4 percentage points vs 08-2025
10-2025: 5.0%▲ +1.8 percentage points vs 09-2025
11-2025: 5.1%▲ +0.1 percentage points vs 10-2025
12-2025: 5.5%▲ +0.4 percentage points vs 11-2025
01-2026: 6.9%▲ +1.4 percentage points vs 12-2025
02-2026: 6.9%● unchanged vs 01-2026
03-2026: 7.0%▲ +0.1 percentage points vs 02-2026
04-2026: 6.5%▼ -0.5 percentage points vs 03-2026
05-2026: 6.5%● unchanged vs 04-2026
06-2026: 6.3%▼ -0.2 percentage points vs 05-2026
07-2026: 7.1%▲ +0.8 percentage points vs 06-2026
08-2026: 8.6%▲ +1.5 percentage points vs 07-2026highest value
09-2026: 8.6%● unchanged vs 08-2026highest value
10-2026: 4.9%▼ -3.7 percentage points vs 09-2026
11-2026: 4.9%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 45 days late; 1 of the last 3 accounts late
Size: 4 FTE, total assets €202,932
Loss of €25,381 (financial year 2025)
Sector: Food and beverage service activities (NACE 56)
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 56, micro). It does better than 94% of them on solvency, 40% on liquidity and 20% 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 elevated class on 30-06-2025, 6.3% 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, 3,591 companies had the same profile as HAMRO has now. Each dot stands for 9 companies, two years later.
87.3%
were still trading
9.4%
stopped another way
3.0%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of HAMRO itself is higher: 4.9% within 12 months. It rests on far more data about HAMRO than the profile alone.
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 3,591 companies, not a prediction for HAMRO. 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 €6,000 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is ample, with a current ratio of 3.61 (14.83 in 2023), above the usual 1.5. Short-term debt is 19.3% and cash 0.1% of total assets. 19.3% 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.
raises risk
raises risk · 2025 accounts filed 45 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-09-2026, 45 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filingsDeviation from the deadline
2025
45 days late
2023
51 days early
2022
56 days early
2021
60 days late
2019
146 days late
2018
48 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 32 days after the deadline. In the sector (NACE 56), the median for financial year 2023 was 14 days after the deadline, and 55% of those companies filed 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 14 September (4 of the last 5 accounts filed within 101 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0674594121
1 director appointed, 2 resignations
Resignations: Ghimire Rakesh and Ghimire Ulka · Appointment: Ghimire Umesh · Ghimire Umesh holds all the shares · General meeting of 08-10-2024 · Gazette deed
Reappointments: GHIMIRE Rakesh (director) and GHIMIRE Ulka (director)
Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 08-10-2024 · Gazette deed
New manager
Ghimire Rakesh appointed, Ghimire Umesh resigned · Director discharge: Ghimire Umesh (manager) · General meeting of 01-01-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| HAMRO Kapellen | €202,932 | €106,303 | 80.7% | 4 |
| CROQUE n°12 Mechelen | €181,496 | €146,181 | 56.9% | 3 |
| LA PLOEGSTEERTOISE Tournai | €167,487 | €132,966 | 41.6% | 4 |
| Follie's Court-Saint-Etienne | €164,399 | €148,419 | 7.2% | 4.1 |
| AYWIERS BAR Brussels | €164,697 | €121,593 | -68.3% | 3.9 |
| JOKADICLA Ans | €187,024 | €78,333 | 17.0% | 2.7 |
| VRANJE II Uccle | €238,469 | €179,593 | -20.3% | 4.3 |
These companies have the same main activity as HAMRO: limited-service restaurants, excluding mobile food services (NACE 56112). They are comparable in size and age: total assets between €164,000 and €238,000, founded between 2014 and 2020.
Official details
Source: KBO- Status
- Active since 18-04-2017Normal situation
- Activity
- Limited-service restaurants, excluding mobile food servicesNACE 56112and 1 other
- Establishment unit
- 2.264.371.0672950 Kapellen, since 18-04-2017
- Financial year end
- 31 December
- Peppol
- Reachable since 05-01-2026
Insights on HAMRO
HAMRO files the abbreviated format. That format states no turnover. The gross margin rose from €16,176 in 2018 to €106,303 in 2025.
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 HAMRO
- What is the company number of HAMRO?
- The company number of HAMRO is 0674.594.121. The VAT number is the same number with BE in front: BE 0674.594.121.
- Where is HAMRO based?
- The registered office is at Antwerpsesteenweg 29, 2950 Kapellen.Company details
- What does HAMRO do?
- According to the KBO register, the main activity is limited-service restaurants, excluding mobile food services (NACE 56112).
- What is the legal form of HAMRO?
- HAMRO is a private limited company (BV).
- When was HAMRO founded?
- HAMRO was founded on 18-04-2017.
- Is HAMRO still active?
- Yes, HAMRO is an active enterprise in the KBO register.
- How many employees does HAMRO have?
- HAMRO had an average of 4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of HAMRO?
- The turnover in financial year 2025 is ≈ €330,000. This figure is estimated from the gross margin of €106,303 and 98 comparable companies (NACE 56112). It probably lies between €250,000 and €410,000.
- Is HAMRO profitable?
- In financial year 2025, HAMRO made a loss of €25,381.
- Where can I find the annual accounts of HAMRO?
- HAMRO filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of HAMRO due?
- HAMRO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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