IMMO HAMME
ActiveSummary
IMMO HAMME has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €206k and a net result of €49k. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 20% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38=
Solvency27=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.07 against 0.05 in 2024; short-term debt: 65.5% and cash: 4.1% of total assets), and 97.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
2.3%
Return on assets
0.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 9194 sector peers (2025).
NBB · sector comparisonPosition among 9194 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
4 d late
2024
36 d early
2023
54 d early
2022
47 d early
2021
39 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€206k▲ 30.9%
2024 · €158k
2021: €112k
2022: €115k
2023: €118k
2024: €158k
2021 → 2025
Total assets
€8.89M▼ 1.4%
2024 · €9.02M
2021: €9.60M
2022: €9.40M
2023: €9.19M
2024: €9.02M
2021 → 2025
Net result
€49k▲ 22.1%
2024 · €40k
2021: €-388k
2022: €3k
2023: €2k
2024: €40k
2021 → 2025
Working capital
€-5.39M▲ 2.3%
2024 · €-5.51M
2021: €-5.68M
2022: €-5.64M
2023: €-5.60M
2024: €-5.51M
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€112k-€115k▲ 2.8%€118k▲ 2.2%€158k▲ 33.8%€206k▲ 30.9%
Operating result€-146k-€231k€227k▼ 1.8%€260k▲ 14.2%€290k▲ 11.8%
Net result€-388k-€3k€2k▼ 21.3%€40k▲ 1,498%€49k▲ 22.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 12% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.89M
Fixed assets
€8.45M ▼ 2.9%
Current assets
€437k ▲ 40.1%
Equity and liabilities €8.89M
Equity
€206k ▲ 30.9%
Debt
€8.68M ▼ 2.0%
Debt's share of the balance-sheet total falls from 98.3% to 97.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€542k▲
2024 · €511k
Cash flow
€301k▲
2024 · €292k
Current ratio
0.07▲
2024 · 0.05
Debt to equity
42.11▼
2024 · 56.23
ROE
23.6%▼
2024 · 25.3%
ROA
0.5%▲
2024 · 0.4%
Interest coverage
2.20▼
2024 · 2.26
Debt ≤ 1 year
€5.82M=
2024 · €5.83M
Debt > 1 year
€2.76M▼
2024 · €2.97M
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€9.02M€8.89M▼
Fixed assets21/28€8.70M€8.45M▼
Tangible fixed assets22/27€8.70M€8.45M▼
Land and buildings22€8.70M€8.45M▼
Current assets29/58€312k€437k▲
Amounts receivable within one year40/41€75k€68k▼
Trade receivables40€73k€66k▼
Other amounts receivable41€2k€1k▼
Cash at bank and in hand54/58€236k€369k▲
Equity and liabilities
Total equity and liabilities10/49€9.02M€8.89M▼
Equity10/15€158k€206k▲
Contributions10/11€500k€500k=
Profit (loss) carried forward14€-342k€-294k▲
Amounts payable17/49€8.86M€8.68M▼
Amounts payable after more than one year17€2.97M€2.76M▼
Financial debts170/4€2.97M€2.76M▼
Amounts payable within one year42/48€5.83M€5.82M=
Current portion of amounts payable after more than one year42€216k€216k=
Trade debts44€1k€0▼
Suppliers440/4€1k€0▼
Taxes, remuneration and social security45€28k€28k▼
Taxes450/3€28k€28k▼
Other amounts payable47/48€5.58M€5.58M=
Accrued charges and deferred income492/3€58k€100k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€252k€252k=
Other operating charges640/8€1k€43k▲
Gross operating margin9900€513k€585k▲
Operating profit (loss)9901€260k€290k▲
Financial income75/76B€7k€5k▼
Recurring financial income75€7k€5k▼
Financial charges65/66B€226k€246k▲
Recurring financial charges65€226k€246k▲
Profit (loss) for the period before taxes9903€40k€49k▲
Profit (loss) for the period9904€40k€49k▲
Profit (loss) for the period to be appropriated9905€40k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-342k€-294k▲
Profit (loss) brought forward from the previous period14P€-382k€-342k▲
The notes to these accounts (13 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 4 days late
2025
31-12
Financial
Highest result since 2021net €49k ▲22.1%
Operating result €290k, net result €49k, both a record.
31-12
Financial
Equity above €200kEq €206k ▲30.9%
4 profitable years in a row build equity to €206k.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €150kEq €158k ▲33.8%
3 profitable years in a row build equity to €158k.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Londerzeel · 1 establishment unit since 2020
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.
Berkenlaan 531840 LonderzeelGround area
2,297 m²
Building footprint
775 m²
Volume, LiDAR
4,207 m³
2 parcels, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IMMO HAMME
since 20202.310.782.302
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23002G0205/00V000 | Flanders | 1,313 m² | 1 · 537 m² | 11.2 m · 1 fl. |
| 23045E0298/00M000 | Flanders | 985 m² | 1 · 238 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
Immopact
BE 0672.837.134
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ARTCHAP
BE 0653.903.922
Elsene · Eq €206,083
CIM IMMOBILIER
BE 0470.538.684
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Commercial Properties
BE 0767.537.343
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Blue Gate Antwerp Building
BE 0695.455.554
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Of 7,320 companies in sector 68110 we hold annual accounts for 5,381. 3,851 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
Founded18-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.