Skip to content

AGRAM Management

Active
Private limited companyfounded 201015 yrs activeRue de Caturia 17, 1380 Lasne, BelgiumKBO/BCE: BE 0831.086.102
Summary

AGRAM Management has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €589,941 and a net result of €36,570. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 89% of 34931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
AGRAM ManagementActiveChecked score 90/100
Risk analysis ReportCompare

Overview

Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220
1 site
Size
€650,919total assets 2025
Staff
1 FTE
Equity
€589,941
Profit
€36,570
Financial health
90 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Accounts filed 6 d late0 of 5 deeds read
Why 90- Liquidity: current ratio 9.81, cash €4,363, halved- Latest accounts 6 days late; 1 of the last 3 late+ Size: total assets €650,919+ Sector Activities of head offices; management consultancy activities (NACE 70)Show the evidence

Checked score

Score 2025
90 / 100
Excellent
Probability in this band: under 0.55%
Better than 54% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 90.6% of total assets
Liquidity 51-2
short-term debt 9.4% · cash 0.7%
Profitability 76+5
return on assets 5.6%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (47,477 companies)
Last 17 months 06-2025: 0.2%lowest value 07-2025: 0.2%▲ +31.2% vs 06-2025 08-2025: 0.3%▲ +49.0% vs 07-2025 09-2025: 0.3%▲ +12.3% vs 08-2025 10-2025: 0.3%▼ -17.8% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%▼ -3.6% vs 12-2025 02-2026: 0.3%▲ +1.5% vs 01-2026 03-2026: 0.3%▲ +2.2% vs 02-2026 04-2026: 0.3%▼ -3.2% vs 03-2026 05-2026: 0.2%▼ -8.2% vs 04-2026 06-2026: 0.3%▲ +10.1% vs 05-2026 07-2026: 0.3%▲ +1.8% vs 06-2026 08-2026: 0.5%▲ +69.3% vs 07-2026highest value 09-2026: 0.2%▼ -63.8% vs 08-2026 10-2026: 0.2%▼ -0.6% vs 09-2026
  • Liquidity: current ratio 9.81, cash €4,363, halved raises the probability
  • Latest accounts 6 days late; 1 of the last 3 late raises the probability
  • Size: total assets €650,919 lowers the probability for this profile
  • Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
Credit up to €50,000 at 30 days acceptable
Liquidity ample (current ratio 9.81 against 14.8 in 2024; short-term debt: 9.4% and cash: 0.7% of total assets), and 9.4% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 86%, liquidity 37%, profitability 41%, growth against the median 52%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 9.81, cash €4,363, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Latest accounts 6 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Size: total assets €650,919
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Sector Activities of head offices; management consultancy activities (NACE 70)
In the bankruptcy model this factor lowers the probability.
KBO
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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 · 10 filings
Deviation from the deadline
2025
6 d late
2024
33 d late
2023
28 d late
2022
60 d late
2021
31 d late
2020
89 d late
2019
89 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 48 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

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. Usually files around 31 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Positive: Among the best 10% on equitysector median €80,523 · 34,961 companies €589,941 View
  • Total assets 20256 fiscal years filed €650,919 View
  • Active since 2010founded 05-11-2010 15 years View

By topic

Financials

Fiscal year
2025
Total assets
€650,919
Profit
€36,570
Solvency
90.6%
Total assets▲ 9.1%
Net result
20182025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 06-08-2026Annual accounts filed
  2. 02-09-2025Annual accounts filed
  3. 28-08-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Business and other management consultancyNACE 70200
Founded
05-11-2010
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure