HAMZA
ActiveThe computed 12-month bankruptcy probability of HAMZA is 1.9% (moderate). The 2025 annual accounts show equity of €26k and a net result of €-8k. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 66% of 18281 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-27
Solvency78▼-22
Growth52=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.04 against 3.77 in 2024; short-term debt: 47% and cash: 28.9% of total assets), and 47% 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.
+raises risk○neutral
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 · 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 2025Solvency, return and age of the figures
Solvency
53%
Return on assets
-17%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 7 filingsDeviation from the deadline
2025
27 d late
2024
1 d late
2023
25 d early
2022
20 d early
2021
20 d early
2020
5 d early
2019
10 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€26k▼ 18.5%
2024 · €32k
2019: €11k
2020: €25k
2021: €29k
2022: €30k
2023: €32k
2024: €32k
2019 → 2025
Total assets
€50k▲ 17.3%
2024 · €43k
2019: €14k
2020: €52k
2021: €38k
2022: €40k
2023: €36k
2024: €43k
2019 → 2025
Net result
€-8k
2024 · €736
2019: €5k
2020: €20k
2021: €4k
2022: €1k
2023: €2k
2024: €736
2019 → 2025
Working capital
€24k▼ 13.2%
2024 · €28k
2019: €11k
2020: €20k
2021: €25k
2022: €27k
2023: €30k
2024: €28k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€30k▲ 4.7%€32k▲ 5.9%€32k▲ 2.3%€26k▼ 18.5%
Operating result€5k-€933▼ 81.4%€-2k€-1k▲ 35.5%€-7k▼ 458%
Net result€4k-€1k▼ 63.2%€2k▲ 33.0%€736▼ 58.7%€-8k
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 €7k in 2025 against €1k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50k
Fixed assets
€2k▼ 52.7%
Current assets
€48k▲ 25.2%
Equity and liabilities €50k
Equity
€26k▼ 18.5%
Debt
€24k▲ 132%
The debt ratio rises from 23.8% to 47.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-5k▼
2024 · €1k
Cash flow
€-6k▼
2024 · €3k
Solvency
53.0%▼
2024 · 76.2%
Current ratio
2.04▼
2024 · 3.77
Quick ratio
1.57▼
2024 · 2.72
Debt / equity
0.89▲
2024 · 0.31
ROE
-32.1%▼
2024 · 2.3%
ROA
-17.0%▼
2024 · 1.7%
Interest coverage
-2.73▼
2024 · 0.76
Debt
€24k▲
2024 · €10k
Debt ≤ 1 year
€24k▲
2024 · €10k
Income taxes
€17▼
2024 · €184
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€43k€50k▲
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€3k€255▼
Furniture and vehicles24€3k€255▼
Financial fixed assets28€2k€2k=
Current assets29/58€38k€48k▲
Stocks and contracts in progress3€11k€11k▲
Stocks30/36€11k€11k▲
Amounts receivable within one year40/41€3k€22k▲
Trade receivables40€3k€22k▲
Cash at bank and in hand54/58€24k€14k▼
Deferred charges and accrued income490/1€0€70▲
Equity and liabilities
Total equity and liabilities10/49€43k€50k▲
Equity10/15€32k€26k▼
Contributions10/11€6k€9k▲
Profit (loss) carried forward14€26k€18k▼
Amounts payable17/49€10k€24k▲
Amounts payable within one year42/48€10k€24k▲
Current portion of amounts payable after more than one year42€2k-
Trade debts44€7k€4k▼
Suppliers440/4€7k€4k▼
Advances received on contracts in progress46-€19k
Taxes, remuneration and social security45€836€375▼
Taxes450/3€836€375▼
Other amounts payable47/48-€205
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€655€512▼
Gross operating margin9900€2k€-4k▼
Operating profit (loss)9901€-1k€-7k▼
Financial income75/76B€4k€0▼
Recurring financial income75€4k€0▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€919€-8k▼
Income taxes67/77€184€17▼
Profit (loss) for the period9904€736€-8k▼
Profit (loss) for the period to be appropriated9905€736€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€18k▼
Profit (loss) brought forward from the previous period14P€26k€26k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €-8k ▼1255%
Net result drops to €-8k, the lowest in the series.
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
06-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 7.46
Current ratio from 3.59 to 7.46; short-term debt falls from €10k to €5k.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 3.58
Current ratio from 1.74 to 3.58; short-term debt falls from €28k to €9k.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2019net €20k ▲299%
Operating result €24k, net result €20k, both a record.
10-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Vorst · 1 establishment unit since 2018
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.
de Mérodestraat 3491190 VorstGround area
331 m²
Building footprint
218 m²
Volume, LiDAR
4,518 m³
Parcel 21007A0018/00H005, Brussels · tallest building 23.4 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
de Mérodestraat 349, 1190 Vorst
since 20182.277.919.987
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21007A0018/00H005indicative | Brussels | 331 m² | 1 · 218 m² | 23.4 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteVorst2.277.919.987
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 4,357 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-2018
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0488/588.144