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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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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
GHAMMAD from Hamois, company number BE0781490891, closed financial year 2025 with a result of € 110,340 after tax. For that financial year GHAMMAD recorded a gross margin of € 170,529 and equity of € 115,912. Compared with financial year 2024, the result moved from € 102,828 to € 110,340. Profitable, and profit is growing. 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 July 3, 2026.
€ 115,912
▼ 51% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 110,340
▲ 7% vs 2024
Profit after tax over the fiscal year.
€ 205,890
▲ 12% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 232,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 34,090
▼ 30% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 41,064
▼ 32% vs 2024
€ 19,626 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 329
▼ 66% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 4,450
▼ 76% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 212,513 | € 173,417 | € 155,855 | € 170,529 | ▲ 9% |
| Profit after taxes | € 148,581 | € 121,638 | € 102,828 | € 110,340 | ▲ 7% |
| Equity | € 120,533 | € 189,967 | € 237,572 | € 115,912 | ▼ 51% |
| Total debts | € 87,154 | € 191,204 | € 79,679 | € 193,293 | ▲ 143% |
| Cash | € 127,402 | € 241,311 | € 184,036 | € 205,890 | ▲ 12% |
| Retained profit | € 115,533 | € 184,967 | € 232,572 | € 110,912 | ▼ 52% |
| Dividend | € 33,048 | € 52,204 | € 55,223 | € 232,000 | ▲ € 176,777 |
| Bank debt | € 20,491 | € 78,614 | € 60,111 | € 41,064 | ▼ 32% |
| Balance sheet total | € 207,688 | € 381,171 | € 317,252 | € 309,205 | ▼ 3% |
Key figures of GHAMMAD, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to GHAMMAD?
What happened at GHAMMAD in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 110,340 (▲ 7% vs 2024). Source: NBB ↗
- New establishment in Dinant. KBO
- Kaoutar Ghammad became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 148,581 profit in 2022 to € 110,340 profit in 2025.
Paid € 147,706 in corporate taxes since 2022.
Best year ever: 2022, with € 148,581 profit.
Paid out € 372,476 in dividends to the owners in total.
Management
Behind GHAMMAD is Kaoutar Ghammad.
Directors
According to the 2025 annual accounts
Kaoutar Ghammad
Director
since 2022
Establishments
Establishment units
Physical locations of this company
Chaussée de Liège 129
5360 Hamois
Place Patenier 15
5500 Dinant
Active since 2 February 2022
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0781.490.891
- VAT number
- BE 0781.490.891
- Registered office
- Chaussée de Liège 129, 5360 Hamois
- Names & denominations
- GHAMMAD
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 2 February 2022
- Peppol
- Not registered
- Contact
- [email protected] +32479388002
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