Active BE 0760.323.117Private limited company

HECHAM CONSULTING

Louizalaan 367 ·1050 Elsene, Belgium· 5 yrs active

Sector: Computer consultancy and computer facilities management (62200)

Conclusion Checked

HECHAM CONSULTING has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €74k and a net result of €4k. Equity is growing by ~38.2% per year across the filed fiscal years. Its solvency ranks better than 60% of 20792 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€74k
Net result	€4k
Better than sector	60%
Active	5 yrs

Financial profile 5 of 5 axes measured · computed by Checked

79 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 94

Profitability 28

Solvency 100

Growth 78

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

0.9% Low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2020, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2024 · computed

94 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€7k

estimate, not credit advice

Score history

25 2020

94 2021

100 2022

86 2023

94 2024

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 3.38 (≥ 1.5) +10

Quick ratio Quick ratio 3.38 (≥ 1.0) +5

Leverage Debt/equity 0.41 (< 1.0) +10

Profitability ROE 6% +3

Interest coverage Interest coverage 6.9× (≥ 3×) +8

Profit trend Net profit up YoY +5

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview5 NBB filings

Annual accounts filed on 27-10-2025 with the NBB · fiscal year 2024 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Net result: growth of ~38.5%/year over 5 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 62, Computer programming, consultancy and related activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	70.9%	62.9%	better than 60% of 20792 sector peers
Net result	€4k	€27k	better than 24% of 20791 sector peers
Equity	€74k	€74k	better than 50% of 20803 sector peers
Gross operating margin	€6k	€53k	better than 16% of 20768 sector peers
Total assets	€105k	€136k	better than 39% of 20803 sector peers

EBITDA

€5k

+13.8% 20-24

Net profit

€4k

+71.7% 20-24

Cash flow

€5k

+10.8% 20-24

Total assets

€105k

-14.4% 20-24

Equity

€74k

+6.0% 20-24

Working capital

€73k

-18.8% 20-24

Income taxes

€13k

+73.6% 20-24

Dividends

€18k

- 20-24

Debt

€30k

-41.6% 20-24

Debt ≤ 1y

€30k

-0.8% 20-24

Current ratio

3.38

-13.5% 20-24

Quick ratio

3.38

-13.5% 20-24

Solvency

70.9%

+23.8% 20-24

Debt / equity

0.41

-44.9% 20-24

ROE

5.6%

+62.0% 20-24

ROA

4.0%

+100.5% 20-24

Interest coverage

6.89

-16.0% 20-24

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2024	2023	2022	2021	2020
Deposit	micro schema	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-	-
EBITDA	€5k	€5k	€51k	€42k	-
Net profit	€4k	€2k	€36k	€33k	€-2k
Cash flow	€5k	€4k	€37k	€34k	-
Staff costs	-	-	-	-	-
Income taxes	-	-	€13k	€8k	-
Dividends	-	-	€18k	-	-
Total assets	€105k	€122k	€69k	€81k	€2k
Equity	€74k	€70k	€50k	€32k	€-937
Debt	€30k	€52k	€19k	€50k	€3k
of which ≤ 1y	€30k	€31k	€19k	€50k	€3k
of which > 1y	-	-	-	-	-
Working capital	€73k	€89k	€48k	€28k	€-937
Employees (FTE)	-	-	-	-	-

Ratios (computed)

	2024	2023	2022	2021	2020
Current ratio	3.38	3.91	3.46	1.57	0.63
Quick ratio	3.38	3.91	3.46	1.57	0.63
Working capital ratio	69.3%	73.2%	69.1%	34.8%	-58.2%
Solvency	70.9%	57.3%	71.9%	39.2%	-58.2%
Debt / equity	0.41	0.75	0.39	1.55	-
Long-term debt ratio	-	-	-	-	-
Interest coverage	6.89	8.20	331.72	12440.19	-
Gross margin	-	-	-	-	-
Net margin	-	-	-	-	-
ROA	4.0%	2.0%	51.7%	40.3%	-145.1%
ROE	5.6%	3.5%	71.9%	102.9%	249.5%
EBITDA margin	-	-	-	-	-
Days sales outstanding	-	-	-	-	-
Days payable outstanding	-	-	-	-	-
Inventory turnover	-	-	-	-	-
Days inventory (DSI)	-	-	-	-	-

Balance-sheet composition 2024

Assets

Fixed assets €2k · 1.5% Current assets €103k · 98.5%

Equity & liabilities

Equity €74k · 70.9% Debt €30k · 29.1%

Full annual accounts (20 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024	2023	2022	2021	2020
Balance sheet, Assets
TOTAL ASSETS	20/58	€105k	€122k	€69k	€81k	€2k
Fixed assets	21/28	€2k	€2k	€2k	€4k	-
Tangible fixed assets	22/27	€2k	€2k	€2k	€4k	-
Current assets	29/58	€103k	€120k	€67k	€78k	€2k
Amounts receivable within one year	40/41	€33k	€50k	€21k	€19k	€210
Cash & bank	54/58	€70k	€70k	€46k	€59k	€1k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€105k	€122k	€69k	€81k	€2k
Equity	10/15	€74k	€70k	€50k	€32k	€-937
Contributions / capital	10/11	€1k	€1k	€1k	€1k	-
Accumulated profits (losses)	14	€73k	€69k	€48k	€31k	€-2k
Amounts payable	17/49	€30k	€52k	€19k	€50k	€3k
Amounts payable within one year	42/48	€30k	€31k	€19k	€50k	€3k
Trade debts payable within one year	44	€17k	€17k	-	-	€1k
Income statement
Gross operating margin	9900	€6k	€5k	€51k	€42k	€-2k
Operating result	9901	€5k	€3k	€49k	€41k	€-2k
Financial charges	65	€794	€586	€153	€3	-
Result before taxes	9903	€4k	€2k	€49k	€41k	€-2k
Income taxes	67/77	-	-	€13k	€8k	-
Net result for the period	9904	€4k	€2k	€36k	€33k	€-2k
Result to be appropriated	9905	€4k	€2k	€36k	€33k	€-2k

Directors & mandates 2 directors

Current directors & mandates

BOUZAIENE Bilel
Director
State Gazette act 25031476 (06-03-2025)

Current
01-01-2025 → present

Former directors (1)

ABAKOUY Hecham
Director
State Gazette act 25031476 (06-03-2025)

Former
- → 01-01-2025

Legal Structure

NACE primary	Computer consultancy and computer facilities management(62200)
Legal form	Private limited company(610)
Incorporation	21-12-2020
Status	Active
Postal code	1050

Establishment units 1 location

HECHAM CONSULTING

Computer programming, consultancy and related activities

since 20202.311.433.685

Real-estate footprint Source: CBE × cadastre

Brussels 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21911C0101/00L002	Brussels	9,436 m²	1 · 1,460 m²	16.8 m · 5 fl.
21807G0211/00W012	Brussels	266 m²	1 · 265 m²	34.0 m · 5 fl.

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 6 events

All 10Financial 4Gazette 1Filings 5

2025

27-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 88 days late

06-03

State Gazette act Capital & shares

2024

31-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 92 days late

2023

08-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 8 days late

2022

31-12

Financial Highest result since 2020net €36k ▲8.3%

Operating result €49k, net result €36k, both a record.

31-12

Financial Liquidity doublescurrent ratio 3.46

Current ratio from 1.57 to 3.46; short-term debt falls from €50k to €19k.

08-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-12

Financial Back to profitnet €33k

Net result €33k after one loss-making year.

31-12

Financial Liquidity doublescurrent ratio 1.57

Current ratio from 0.63 to 1.57.

02-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 2 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

Capital history · 1

06-03-2025

Capital change

All acts · 1 updated 1 year ago

2025

06-03-2025 Transaction in capital or shares Capital & shares

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "share_transfer",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "subscribers": [
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "BOUZAIENE Bilel",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 100,
          "contribution_amount_eur": null
        }
      ],
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    },
    {
      "kind": "share_transfer",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "subscribers": [
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "BOUZAIENE Bilel",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 100,
          "contribution_amount_eur": null
        }
      ],
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-03-06",
    "filing_date": "2025-02-27",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "act_date": "2025-01-01",
    "unanimous": true,
    "under_authorized_capital": false,
    "underlying_resolution_date": "2025-01-01"
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0760.323.117",
    "name_full": "HECHAM CONSULTING",
    "legal_form": "BV",
    "_kbo_filled_from_list": true,
    "is_foreign_registered": false
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "shareholders_after": [
    {
      "kbo": null,
      "pct": 0.0,
      "kind": "person",
      "name": "ABAKOUY Hecham",
      "role": null,
      "n_shares": 0,
      "share_class": null
    },
    {
      "kbo": null,
      "pct": 100.0,
      "kind": "person",
      "name": "BOUZAIENE Bilel",
      "role": null,
      "n_shares": 100,
      "share_class": null
    }
  ],
  "share_classes_after": []
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

IT consultancy62020Computer consultancy and computer facilities management62200

Names & trade names

Legal nameFR

HECHAM CONSULTING

Similar companies Comparable size · 18,148 of 29,862 companies in this sector with filed accounts

BA SERVICES 4 YOU BE 0718.685.767 · Liège

STEFUN DEV BE 1002.681.773 · Etterbeek

Van Eynde MC BE 1022.784.529 · Bierbeek

PBEST CONSULTING BE 0776.784.809 · Leuven

GYFFS BE 0801.772.603 · Brecht