HAMSI
ActiveThe computed 12-month bankruptcy probability of HAMSI is 1.9% (moderate). The 2024 annual accounts show negative equity (€-99k) and a net result of €-36k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 7% of 26056 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
17
/ 100
Critical▲ +10 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency33=
Growth32=
Stability100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.26 against 0.33 in 2023), and equity is negative.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 2024Solvency, return and age of the figures
Solvency
-170.7%
Return on assets
-61.3%
Age of the figures
20 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year -€99k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
25 d late
2023
21 d late
2022
23 d late
2021
33 d early
2020
33 d early
2019
32 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-99k▼ 55.9%
2023 · €-64k
2018: €8k
2019: €22k
2020: €1k
2021: €2k
2022: €-29k
2023: €-64k
2018 → 2024
Total assets
€58k▲ 1.8%
2023 · €57k
2018: €55k
2019: €108k
2020: €115k
2021: €170k
2022: €62k
2023: €57k
2018 → 2024
Net result
€-36k▼ 2.2%
2023 · €-35k
2018: €1k
2019: €14k
2020: €-21k
2021: €539
2022: €-31k
2023: €-35k
2018 → 2024
Working capital
€-117k▼ 43.8%
2023 · €-81k
2018: €-4k
2019: €9k
2020: €-18k
2021: €-19k
2022: €-47k
2023: €-81k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1k-€2k▲ 37.6%€-29k€-64k▼ 121%€-99k▼ 55.9%
Operating result€-20k-€6k€-31k€-21k▲ 29.8%€-35k▼ 64.4%
Net result€-21k-€539€-31k€-35k▼ 13.1%€-36k▼ 2.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €35k in 2024 against €21k in 2023; the loss grows and 2024 is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €58k
Fixed assets
€18k=
Current assets
€41k▲ 2.6%
Key figures and ratios
Solvency
-170.7%▼
2023 · -111.5%
Current ratio
0.26▼
2023 · 0.33
Quick ratio
0.06▲
2023 · 0.03
Debt / equity
-1.59▲
2023 · -1.90
ROE
35.9%▼
2023 · 54.7%
ROA
-61.3%▼
2023 · -61.0%
Debt
€157k▲
2023 · €121k
Debt ≤ 1 year
€157k▲
2023 · €121k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€57k€58k▲
Fixed assets21/28€18k€18k=
Tangible fixed assets22/27€18k€18k=
Plant, machinery and equipment23€18k€18k=
Current assets29/58€40k€41k▲
Stocks and contracts in progress3€36k€31k▼
Stocks30/36€36k€31k▼
Amounts receivable within one year40/41€1k€2k▲
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€3k€7k▲
Equity and liabilities
Total equity and liabilities10/49€57k€58k▲
Equity10/15€-64k€-99k▼
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€16k€16k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€14k€14k=
Profit (loss) carried forward14€-86k€-121k▼
Amounts payable17/49€121k€157k▲
Amounts payable within one year42/48€121k€157k▲
Trade debts44€6k€8k▲
Suppliers440/4€6k€8k▲
Other amounts payable47/48€115k€150k▲
Income statement
Code20232024
Non-recurring operating income76A€7k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k-
Other operating charges640/8€6k€2k▼
Gross operating margin9900€-9k€-34k▼
Operating profit (loss)9901€-21k€-35k▼
Financial income75/76B€16-
Recurring financial income75€16-
Financial charges65/66B€3k€405▼
Recurring financial charges65€3k€405▼
Profit (loss) for the period before taxes9903€-24k€-36k▼
Income taxes67/77€11k-
Profit (loss) for the period9904€-35k€-36k▼
Profit (loss) for the period to be appropriated9905€-35k€-36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-86k€-121k▼
Profit (loss) brought forward from the previous period14P€-51k€-86k▼
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Weakest financial yearnet €-36k
Net result drops to €-36k, the lowest in the series.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €539
Net result €539 after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €14k ▲969%
Operating result €15k, net result €14k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Truiden · 1 establishment unit since 2016
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.
Clockemstraat 283800 Sint-TruidenGround area
79 m²
Building footprint
76 m²
Volume, LiDAR
736 m³
Parcel 71053H1206/00D000, Flanders · tallest building 14.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
GOUDSMID
since 20162.257.252.059
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71053H1206/00D000 | Flanders | 79 m² | 1 · 76 m² | 14.2 m · 4 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.
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Of 2,005 companies in sector 47770 we hold annual accounts for 892. 149 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-09-2016
Fiscal year end31-12
Abbreviation NL
/
Activities, NACEBEL
47770Retail sale of watches and jewellery
47820Retail sale of motor vehicle parts and accessories
47551Retail sale of household furniture
47591Retail trade
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.