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Hams Tegelcenter

Active
Private limited companyfounded 2008active for 18 yearsHeidestraat 26, 3945 Ham, BelgiumKBO/BCE: BE 0899.038.263
Summary

Hams Tegelcenter has been active since 2008 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€16,478) and a net result of €18,977. Equity is shrinking by about 31% per year across the filed financial years. Its solvency ranks better than 19% of 22,536 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

Risk analysisFollow ReportCompare
Hams TegelcenterActiveChecked score 55/100
Risk analysis ReportCompare

Overview

Activity
Retail trade
NACE 47523
1 site
Size
€191,395total assets 2025
Equity
-€16,478
Profit
€18,977
Turnover not published (micro format)
Financial health
55 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.3%
Structure
  • FRANS KristofDirector
2025 accounts filed 74 days late1 of 5 deeds summarised
Why 55raises riskCapped at 59: negative equityLast filed accounts filed 74 days late; 3 of the last 3 lateNegative equity -€16,478lowers riskFounded in 2008Size: total assets €191,395Show the evidence

Checked score

Score 2025
55 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 45% of its sector peers (NACE 47, micro)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 16+10
equity -8.6% of total assets
Liquidity 3+1
short-term debt 108.6% · cash 2.7%
Profitability 81+81
return on assets 9.9%
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,222 companies, NACE 47, micro)
Last 24 months 11-2024: 3.3% 12-2024: 3.3%● unchanged vs 11-2024 01-2025: 3.3%● unchanged vs 12-2024 02-2025: 3.3%● unchanged vs 01-2025 03-2025: 3.3%● unchanged vs 02-2025 04-2025: 3.3%● unchanged vs 03-2025 05-2025: 3.1%▼ -0.2 percentage points vs 04-2025 06-2025: 3.0%▼ -0.1 percentage points vs 05-2025 07-2025: 3.1%▲ +0.1 percentage points vs 06-2025 08-2025: 3.5%▲ +0.4 percentage points vs 07-2025highest value 09-2025: 3.5%● unchanged vs 08-2025 10-2025: 2.5%▼ -1.0 percentage point vs 09-2025 11-2025: 2.5%● unchanged vs 10-2025 12-2025: 2.5%● unchanged vs 11-2025 01-2026: 2.5%● unchanged vs 12-2025 02-2026: 2.5%● unchanged vs 01-2026 03-2026: 2.5%● unchanged vs 02-2026 04-2026: 2.5%● unchanged vs 03-2026 05-2026: 2.4%▼ -0.1 percentage points vs 04-2026 06-2026: 2.3%▼ -0.1 percentage points vs 05-2026 07-2026: 2.4%▲ +0.1 percentage points vs 06-2026 08-2026: 2.8%▲ +0.4 percentage points vs 07-2026 09-2026: 2.7%▼ -0.1 percentage points vs 08-2026 10-2026: 1.3%▼ -1.4 percentage points vs 09-2026lowest value
No credit on open account
Liquidity insufficient (current ratio 0.89, compared with 0.78 in 2024, below 1; short-term debt: 108.6% and cash: 2.7% of total assets), and equity is negative.
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 47, micro): better than 16% on solvency, 6% on liquidity, 73% on profitability and 87% on growth.

The bankruptcy probability was computed on 23-10-2026 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).

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Signals

Six signals.
lowers riskraises risk
lowers risk · Founded in 2008
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Last filed accounts filed 74 days late; 3 of the last 3 late
NBB · filings
lowers risk · Size: total assets €191,395
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Negative equity -€16,478
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 22536 sector peers (2025).
NBB · sector comparison
Position among 22536 sector peers
Solvency
better than 19%
← weakest strongest →
raises risk · 2025 accounts filed 74 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-10-2026, 74 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 · 10 filings
Deviation from the deadline
2025
74 days late
2024
35 days late
2023
85 days late
2022
31 days late
2021
31 days late
2020
31 days late
2019
129 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 59 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% 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 4 September (4 of the last 5 filed years within 39 days of that day).
Companies Code · seven months
Where today falls in the filing period
24-10-2026 today31-12-2026 year end31-07-2027 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 €18,977
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Risk: Negative equityfinancial year 2025: debts exceed assets -€16,478 View
  • Positive: Back in profit in 2025after -€31,655 in 2024 €18,977 View
  • Caution: Among the weakest 15% on equitysector median €41,219 · 22,577 companies -€16,478 View
  • Caution: Latest accounts filed lateafter the legal deadline 74 days View

By topic

Financials

Financial year
2025
Total assets
€191,395
Profit
€18,977
Solvency
-8.6%
Total assets▲ 1.4%
Net result
20182025
Go to Financials

Timeline

Events
21
Since
2009
Next accounts
by 31-07-2027
  1. 24-10-2024Annual accounts filed
  2. 31-12-2023Weakest financial year
  3. 20-12-2023Resignation: FRANS Kristof (manager)
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail tradeNACE 47523
Founded
03-07-2008
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
21
Annual meeting
Fourth Monday of June at 20:00
Purpose
“Klein en groothandel in tegels, natuursteen en benodigdheden; Aannemer-tegelzetter; Groot…” (deed in Dutch)
Go to Articles of association

Key facts about Hams Tegelcenter

What is the company number of Hams Tegelcenter?
0899.038.263. In Belgium the VAT number is the company number with BE in front: BE 0899.038.263.
Where is Hams Tegelcenter based?
The registered office is at Heidestraat 26, 3945 Ham.Company details
What does Hams Tegelcenter do?
According to the KBO register, the main activity is retail trade (NACE 47523).
What is the legal form of Hams Tegelcenter?
Private limited company (BV).
When was Hams Tegelcenter founded?
On 03-07-2008.
Is Hams Tegelcenter still active?
Yes, Hams Tegelcenter is an active enterprise in the KBO register.
How many employees does Hams Tegelcenter have?
On average 0.5 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
What is the turnover of Hams Tegelcenter?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is Hams Tegelcenter profitable?
In financial year 2025, Hams Tegelcenter made a profit of €18,977.
Where can I find the annual accounts of Hams Tegelcenter?
Hams Tegelcenter filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Hams Tegelcenter due?
By 31-07-2027, for financial year 2026.Timeline

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