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Complete company report
Generated 10-08-2026
Active BE 0805.800.378Private limited company

HAM Holding

Lucien Outersgaarde 1 ·1160 Oudergem, Belgium· 2 yrs active
Sector: Financial services (64210)
Conclusion Checked

HAM Holding is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €199k and a net result of €-1k. Its solvency ranks better than 59% of 3139 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €199k
Net result €-1k
Better than sector 59%
Active 2 yrs
Snowflake analysis 3 of 5 axes measured · computed by Checked
Health-Profitability0Solvency66Growth-Stability67
44 / 100

This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.

Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 0
Solvency 66
Growth -
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No administrative flags
Health barometer
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Financial overview1 NBB filings
Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 62.7% 52.5%
better than 59% of 3139 sector peers
Net result €-1k €32k
better than 14% of 3135 sector peers
Equity €199k €75k
better than 77% of 3140 sector peers
Gross operating margin €3k €52k
better than 13% of 3132 sector peers
Total assets €317k €192k
better than 65% of 3141 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenuen/a
EBITDAn/a
Net profit€-1k
Cash flown/a
Staff costs-
Income taxes-
Dividends-
Total assets€317k
Equity€199k
Debt€118k
of which ≤ 1y€118k
of which > 1y-
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency62.7%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA-0.5%
ROE-0.7%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€317k
Fixed assets 21/28€300k
Formation expenses 20€6k
Financial fixed assets 28€300k
Current assets 29/58€10k
Amounts receivable within one year 40/41€9k
Cash & bank 54/58€1k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€317k
Equity 10/15€199k
Contributions / capital 10/11€200k
Accumulated profits (losses) 14€-1k
Amounts payable 17/49€118k
Amounts payable within one year 42/48€118k
Trade debts payable within one year 44€8k
Income statement
Gross operating margin 9900€3k
Operating result 9901€2k
Financial charges 65€3k
Result before taxes 9903€-1k
Net result for the period 9904€-1k
Result to be appropriated 9905€-1k
Ratios computed by Checked.
Directors & mandates 6 directors
Directors derived from a single State Gazette act, under verification
All 3 current directors first appear in the same act (25161680). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
  • BENOVITYLegal entity
    Director· perm. rep.: Paul Moreau
    State Gazette act 25161680 (23-12-2025)
    Current
    09-12-2025 → present
  • J & JJ GROUPLegal entity
    Director· perm. rep.: Gilles Verleyen
    State Gazette act 25161680 (23-12-2025)
    Current
    09-12-2025 → present
  • STRATIFYLegal entity
    Director· perm. rep.: Martin Zanchetta
    State Gazette act 25161680 (23-12-2025)
    Current
    09-12-2025 → present
Former directors (3)
  • Hadrien de Cartier d'Yves
    Director
    State Gazette act 25161680 (23-12-2025)
    Former
    - → 09-12-2025
  • MaCAQLegal entity
    Director· perm. rep.: Augustin Querton
    State Gazette act 25161680 (23-12-2025)
    Former
    - → 09-12-2025
  • Mathieu Van Heuverswyn
    Director
    State Gazette act 25161680 (23-12-2025)
    Former
    - → 09-12-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Financial services(64210)
Legal form Private limited company(610)
Incorporation13-09-2023
StatusActive
Postal code1160
Connections & network 7 connected companies
Group structure
BENOVITY
Parent · 5 subsidiaries · 1 location
Control→
J & JJ GROUP
Parent · 3 subsidiaries · 1 location
Control→
STRATIFY
Parent · 4 subsidiaries · 1 location
Control→
Network connections
City XL
Shared corporate director
→
FIDELMED
Shared corporate director
→
LION HANKAR
Shared corporate director
→
REDPHARMA
Shared corporate director
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Establishment units 1 location
HAM Holding
Lucien Outersgaarde 1, 1160 OudergemHoldings
since 20232.349.590.418
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21002A0168/00M011 Brussels 5,334 m² 1 · 3,913 m² 17.4 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
23-12-2025
State Gazette act Director changes
v3.2
29-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2023
15-09-2023
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 7 months ago
2025
23-12-2025 3 directors appointed, 3 resigning Director changes
  • Gilles Verleyen, Bestuurder
  • Martin Zanchetta, Bestuurder
  • Paul Moreau, Bestuurder
  • Hadrien de Cartier d'Yves, Bestuurder
  • Mathieu Van Heuverswyn, Bestuurder
  • Augustin Querton, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Hadrien de Cartier d\u0027Yves",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-12-09",
      "evidence_quote": "L\u0027actionnaire unique prend connaissance de la d\u00E9mission des personnes suivantes, en qualit\u00E9 d\u0027administrateur de la Soci\u00E9t\u00E9, avec effet ce jour : (1)Hadrien de Cartier d\u0027Yves",
      "discharge_granted": true
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Mathieu Van Heuverswyn",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-12-09",
      "evidence_quote": "L\u0027actionnaire unique prend connaissance de la d\u00E9mission des personnes suivantes, en qualit\u00E9 d\u0027administrateur de la Soci\u00E9t\u00E9, avec effet ce jour : (2)Mathieu Van Heuverswyn",
      "discharge_granted": true
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Augustin Querton",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0805533728",
        "name": "MaCAQ",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2025-12-09",
      "evidence_quote": "L\u0027actionnaire unique prend connaissance de la d\u00E9mission des personnes suivantes, en qualit\u00E9 d\u0027administrateur de la Soci\u00E9t\u00E9, avec effet ce jour : (3)MaCAQ, une soci\u00E9t\u00E9 \u00E0 responsabilit\u00E9 de droit belge, ayant son si\u00E8ge \u00E0 Froidmont(F) 2, 5370 Havelange (Belgique), enregistr\u00E9e au Registre des Personnes M",
      "discharge_granted": true
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Gilles Verleyen",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0750740309",
        "name": "J\u0026JJ Group SNC",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2025-12-09",
      "evidence_quote": "L\u0027actionnaire unique d\u00E9cide de nommer les personnes suivantes, en tant qu\u0027administrateur de la Soci\u00E9t\u00E9 avec effet imm\u00E9diat et pour une dur\u00E9e illimit\u00E9e: -J\u0026JJ Group SNC, ayant son si\u00E8ge \u00E0 Avenue Emile Verhaeren 84, 1030 Schaerbeek (Belgique),. enregistr\u00E9e au Registre des Personnes Morales de Bruxelle"
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Martin Zanchetta",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0545999439",
        "name": "Stratify SRL",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2025-12-09",
      "evidence_quote": "L\u0027actionnaire unique d\u00E9cide de nommer les personnes suivantes, en tant qu\u0027administrateur de la Soci\u00E9t\u00E9 avec effet imm\u00E9diat et pour une dur\u00E9e illimit\u00E9e: -Stratify SRL, ayant son si\u00E8ge \u00E0 Avenue des Bouvreuils 9, 1301 Wavre (Belgique), enregistr\u00E9e au Registre des Personnes Morales du Brabant Wallon sou"
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Paul Moreau",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0546793255",
        "name": "Benovity SRL",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2025-12-09",
      "evidence_quote": "L\u0027actionnaire unique d\u00E9cide de nommer les personnes suivantes, en tant qu\u0027administrateur de la Soci\u00E9t\u00E9 avec effet imm\u00E9diat et pour une dur\u00E9e illimit\u00E9e: -Benovity SRL, ayant son si\u00E8ge \u00E0 Route Gouvernementale 124, 1950 Kraainem, enregistr\u00E9e au Registre des Personnes Morales de Bruxelles sous le num\u00E9ro"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0805.800.378",
    "name_full": "HAM HOLDING",
    "legal_form": "SRL"
  }
}
2023
15-09-2023 Incorporation of a new SRL Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "1160 Auderghem, Clos Lucien Outers, 1",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": {
        "kbo": "0805.533.530",
        "name": "HADERIA"
      },
      "kind": "rechtspersoon",
      "person": null,
      "share_class": "B",
      "partner_role": null,
      "holder_org_kbo": "0805.533.530",
      "holder_org_name": "HADERIA",
      "contribution_type": "cash",
      "amount_paid_in_eur": 66666.4,
      "holder_person_name": null,
      "is_subscriber_only": true,
      "n_shares_subscribed": 40,
      "amount_subscribed_eur": 66666.4,
      "is_anonymous_silent_partner": false
    },
    {
      "org": {
        "kbo": "0805.533.728",
        "name": "MaCAQ"
      },
      "kind": "rechtspersoon",
      "person": null,
      "share_class": "A",
      "partner_role": null,
      "holder_org_kbo": "0805.533.728",
      "holder_org_name": "MaCAQ",
      "contribution_type": "cash",
      "amount_paid_in_eur": 66666.4,
      "holder_person_name": null,
      "is_subscriber_only": true,
      "n_shares_subscribed": 40,
      "amount_subscribed_eur": 66666.4,
      "is_anonymous_silent_partner": false
    },
    {
      "org": {
        "kbo": "0805.533.332",
        "name": "MVHEU Consulting"
      },
      "kind": "rechtspersoon",
      "person": null,
      "share_class": "B",
      "partner_role": null,
      "holder_org_kbo": "0805.533.332",
      "holder_org_name": "MVHEU Consulting",
      "contribution_type": "cash",
      "amount_paid_in_eur": 66666.4,
      "holder_person_name": null,
      "is_subscriber_only": true,
      "n_shares_subscribed": 40,
      "amount_subscribed_eur": 66666.4,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 200000.0,
  "subject_company": {
    "kbo": "0805.800.378",
    "name_full": "HAM Holding",
    "legal_form": "SRL"
  },
  "initial_directors": [],
  "incorporation_date": "2023-09-13",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
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Company registry (CBE) Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
Legal nameFR HAM Holding
Registered office
Lucien Outersgaarde 1
1160 Oudergem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative