Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 59 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
H.A.M. CARS from Zottegem, company number BE0479816339, closed financial year 2025 with a result of € -32,280 after tax. For that financial year H.A.M. CARS recorded a gross margin of € -16,959 and equity of € 31,417. Compared with financial year 2024, the result moved from € -22,209 to € -32,280. The company made a loss. The buffer shrank hard: equity is 51 % below last year. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on April 29, 2026.
€ 31,417
▼ 51% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -32,280
▼ 45 % more loss than in 2024
Profit after tax over the fiscal year.
€ 1,290
▼ 95% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 12,817.
People and assets in 2025
€ 7,943
▼ 49% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 32,122
▼ 41% vs 2024
€ 13,401 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 5,300
▼ 45% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 2,666
▼ 60% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 50,438 | € 39,981 | € -5,184 | € -16,959 | ▼ € 11,776 |
| Profit after taxes | € 29,325 | € 21,375 | € -22,209 | € -32,280 | ▼ € 10,071 |
| Equity | € 76,532 | € 85,906 | € 63,697 | € 31,417 | ▼ 51% |
| Total debts | € 69,922 | € 80,180 | € 76,634 | € 53,488 | ▼ 30% |
| Cash | € 18,118 | € 7,365 | € 24,251 | € 1,290 | ▼ 95% |
| Retained profit | € 57,932 | € 67,306 | € 45,097 | € 12,817 | ▼ 72% |
| Dividend | € 12,000 | € 12,000 | € 0 | € 0 | |
| Bank debt | € 42,211 | € 26,150 | € 54,389 | € 32,122 | ▼ 41% |
| Balance sheet total | € 146,453 | € 166,086 | € 140,331 | € 84,904 | ▼ 39% |
Key figures of H.A.M. CARS, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
What happened to H.A.M. CARS?
What happened at H.A.M. CARS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 32,280. Source: NBB ↗
- New establishment in Zottegem. KBO
- Start of the company according to the CBE. KBO
In short
From € 29,325 profit in 2022 to € 32,280 loss in 2025.
Paid € 11,069 in corporate taxes since 2022.
Best year ever: 2022, with € 29,325 profit.
Paid out € 24,000 in dividends to the owners in total.
A new publication or filing at H.A.M. CARS? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind H.A.M. CARS are Hans Michiels and Iris Deboutte.
Directors
According to the 2025 annual accounts
Hans Michiels
Director
Iris Deboutte
Director
Establishments
Establishment units
Physical locations of this company
Kleie 25
9620 Zottegem
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0479.816.339
- VAT number
- BE 0479.816.339
- Registered office
- Kleie 25, 9620 Zottegem
- Names & denominations
- H.A.M. CARS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 20 March 2003
- Peppol
- Not registered
- Activities · NACE
Detailhandel in fietsen
Verhuur en lease van sport- en recreatieartikelen
Detailhandel in motorvoertuigen
Detailhandel in fietsen in gespecialiseerde winkels
Vervaardiging van fietsen en invalidenwagens
Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)