Hamarat Management Consulting

Active

Private limited companyfounded 20215 yrs activeKoersel-Dorp 44, 3582 Beringen, BelgiumKBO/BCE: BE 0773.518.580

Summary

Hamarat Management Consulting has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €284k and a net result of €41k. Equity is growing by ~23.3% per year across the filed fiscal years. Its solvency ranks better than 81% of 2542 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).

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Checked score

Score 2025

85 / 100

Excellent

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability81▼-7

Solvency92▼-8

Growth52=

Track record94

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €24k at 30 days acceptable

Liquidity ample (current ratio 3.11 against 4.91 in 2024; short-term debt: 28.2% and cash: 74.8% of total assets), and 32.8% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Three signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 85

Relative position

BE, all sectors

reference

Sector 85

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-09-2026, 46 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 · 4 filings

Deviation from the deadline

2025

46 d late

2024

36 d late

2023

62 d early

2022

67 d late

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

€227k

EBIT margin

66.0%

Net result

€41k▼ 12.8%

2024 · €47k

2022: €115k 2023: €80k 2024: €47k

2022 → 2025

Working capital

€251k▲ 4.1%

2024 · €241k

2022: €112k 2023: €195k 2024: €241k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Turnover€227k-

Equity€117k-€197k▲ 68.0%€243k▲ 23.8%€284k▲ 16.8%

Operating result€150k-€102k▼ 32.1%€61k▼ 39.7%€55k▼ 10.7%

Net result€115k-€80k▼ 30.8%€47k▼ 41.1%€41k▼ 12.8%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen three years in a row; 2025 is 11% below 2024 and is the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €423k

12.4%

87.6%

Fixed assets €52k ▲ 2,985%

Current assets €370k ▲ 22.2%

Equity and liabilities €423k

67.2%

32.8%

Equity €284k ▲ 16.8%

Debt €139k ▲ 125%

Debt's share of the balance-sheet total rises from 20.2% to 32.8%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€75k▲

2024 · €70k

Cash flow

€62k▲

2024 · €56k

Current ratio

3.11▼

2024 · 4.91

Debt to equity

0.49▲

2024 · 0.25

ROE

14.4%▼

2024 · 19.3%

ROA

9.7%▼

2024 · 15.4%

Interest coverage

36.59▼

2024 · 211.22

Debt ≤ 1 year

€119k▲

2024 · €62k

Debt > 1 year

€19k

Income taxes

€12k▼

2024 · €14k

Staff costs

€36k▲

2024 · €23k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines

Balance sheet Code20242025

Assets

Total assets20/58€305k€423k▲

Formation expenses20€367€127▼

Fixed assets21/28€2k€52k▲

Tangible fixed assets22/27€2k€52k▲

Plant, machinery and equipment23€2k€2k▲

Furniture and vehicles24-€50k

Current assets29/58€303k€370k▲

Amounts receivable within one year40/41€34k€54k▲

Trade receivables40€34k€54k▲

Other amounts receivable41€20-

Cash at bank and in hand54/58€269k€316k▲

Deferred charges and accrued income490/1€150€399▲

Equity and liabilities

Total equity and liabilities10/49€305k€423k▲

Equity10/15€243k€284k▲

Contributions10/11€2k€2k=

Reserves13€241k€282k▲

Distributable reserves133€241k€282k▲

Amounts payable17/49€62k€139k▲

Amounts payable after more than one year17-€19k

Financial debts170/4-€19k

Amounts payable within one year42/48€62k€119k▲

Current portion of amounts payable after more than one year42€6k€16k▲

Trade debts44€8k€22k▲

Suppliers440/4€8k€22k▲

Taxes, remuneration and social security45€34k€35k▲

Taxes450/3€33k€30k▼

Remuneration and social security454/9€783€4k▲

Other amounts payable47/48€13k€47k▲

Income statement Code20242025

Remuneration, social security and pensions62€23k€36k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€21k▲

Other operating charges640/8€996€1k▲

Gross operating margin9900€94k€113k▲

Operating profit (loss)9901€61k€55k▼

Financial charges65/66B€334€2k▲

Recurring financial charges65€334€2k▲

Profit (loss) for the period before taxes9903€61k€53k▼

Income taxes67/77€14k€12k▼

Profit (loss) for the period9904€47k€41k▼

Profit (loss) for the period to be appropriated9905€47k€41k▼

Appropriation of the result

Profit (loss) to be appropriated9906€47k€41k▼

Transfer to equity691/2€47k€41k▼

To other reserves6921€47k€41k▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 3Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

15-09

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 46 days late

2025

31-12

Financial Weakest financial yearnet €41k ▼12.8%

Net result drops to €41k, the lowest in the series.

05-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 36 days late

2024

31-12

Financial Equity above €200kEq €243k ▲23.8%

3 profitable years in a row build equity to €243k.

30-05

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Equity above €150kEq €197k ▲68%

2 profitable years in a row build equity to €197k.

06-10

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 67 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Beringen · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Koersel-Dorp 443582 Beringen

Ground area

911 m²

Building footprint

98 m²

Volume, LiDAR

575 m³

Parcel 71029B1352/00P002, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Hamarat Management Consulting

Koersel-Dorp 44, 3582 BeringenWholesale trade

since 20212.321.104.783

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71029B1352/00P002	Flanders	911 m²	1 · 97 m²	8.0 m · 2 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.

Similar companies · same sector, comparable size

CENTRE D'INFORMATION ET D'EDUCATION POPULAIRE DU HAINAUT CENTRE

Turnhout · Eq €249,780

Culture et Développement

BE 0413.209.013

Schaarbeek · Eq €250,053

Sint-Jans-Molenbeek · Eq €231,945

Of 998 companies in sector 85593 we hold annual accounts for 129. 97 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded03-09-2021

Fiscal year end31-12

Abbreviation NL HM-Consulting

Activities, NACEBEL 2025

70200Business and other management consultancy

85593Socio-cultural adult education

62900Other information technology and computer services

62200Computer consultancy and computer facilities management

71121Engineering and related technical consultancy, excluding land surveyors

74999Other professional, scientific and technical activities

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.

Contact details

1 entry

Phone:0474307413

Enterprise