AL Maram
The computed 12-month bankruptcy probability of AL Maram is 9.5% (elevated). The 2023 annual accounts show equity of €3k and a net result of €2k. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €3k |
| Net result | €2k |
| Active | 3 yrs |
| Board | 6 |
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →| Fiscal year | 2023 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €5k |
| Net profit | €2k |
| Cash flow | €4k |
| Staff costs | - |
| Income taxes | €800 |
| Dividends | - |
| Total assets | €24k |
| Equity | €3k |
| Debt | €21k |
| of which ≤ 1y | €21k |
| of which > 1y | - |
| Working capital | €-5k |
| Employees (FTE) | - |
| 2023 | |
|---|---|
| Current ratio | 0.76 |
| Quick ratio | 0.76 |
| Working capital ratio | -20.5% |
| Solvency | 14.1% |
| Debt / equity | 6.07 |
| Long-term debt ratio | - |
| Interest coverage | 17966.00 |
| Gross margin | - |
| Net margin | - |
| ROA | 10.0% |
| ROE | 70.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €24k |
| Fixed assets | 21/28 | €8k |
| Tangible fixed assets | 22/27 | €8k |
| Current assets | 29/58 | €16k |
| Amounts receivable within one year | 40/41 | €7k |
| Cash & bank | 54/58 | €8k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €24k |
| Equity | 10/15 | €3k |
| Contributions / capital | 10/11 | €1k |
| Accumulated profits (losses) | 14 | €2k |
| Amounts payable | 17/49 | €21k |
| Amounts payable within one year | 42/48 | €21k |
| Trade debts payable within one year | 44 | €343 |
| Income statement | ||
| Gross operating margin | 9900 | €5k |
| Operating result | 9901 | €3k |
| Financial charges | 65 | €0 |
| Result before taxes | 9903 | €3k |
| Income taxes | 67/77 | €800 |
| Net result for the period | 9904 | €2k |
| Result to be appropriated | 9905 | €2k |
-
Current14-05-2025 → present
-
Current15-10-2024 → present
-
Current28-05-2024 → present
-
Current11-05-2024 → present
-
Current11-05-2024 → present
-
Current23-10-2023 → present
Former directors (9)
-
Former- → 13-04-2026
-
Former24-10-2025 → 29-10-2025
2 events
- 29-10-2025 Resigned· Director
- 24-10-2025 Appointed· Director
-
Former15-10-2024 → 24-10-2025
2 events
- 24-10-2025 Resigned· Director
- 15-10-2024 Appointed· Director
-
Former20-03-2024 → 10-10-2024
2 events
- 10-10-2024 Resigned· Director
- 20-03-2024 Appointed· Director
-
Former07-02-2024 → 30-06-2024
2 events
- 30-06-2024 Resigned· Director
- 07-02-2024 Appointed· Director
-
Former- → 28-05-2024
-
Former- → 28-05-2024
-
Former23-10-2023 → 07-02-2024
2 events
- 07-02-2024 Resigned· Director
- 23-10-2023 Appointed· Director
-
Former04-07-2023 → 23-10-2023
2 events
- 23-10-2023 Resigned· Director
- 04-07-2023 Appointed· Director
| NACE primary | Diensten voor personenvervoer op aanvraag per voertuig met chauffeur(49330) |
| Legal form | Private limited company(610) |
| Incorporation | 07-04-2023 |
| Status | Active |
| Postal code | 1030 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21910E0122/00H004 | Brussels | 200 m² | 1 · 131 m² | 20.9 m · 7 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
28-04-2026 Act object · General meeting · Share transfer · Officer resignation
- Filing: 2026-04-21 · AL MARAM
- Act object: Cession, Démission · AL MARAM
- General meeting: 2026-04-20 · AL MARAM
- Share transfer: shares: 5, effective_date: 2025-10-29 · Moujib Hammal Ismael
- Share transfer: shares: 5, effective_date: 2026-04-13 · Haddam Anass
- Officer resignation: role: administrateur, effective_date: 2025-10-29 · Moujib Hammal Ismael
- Officer resignation: role: administrateur, effective_date: 2026-04-13 · Haddam Anass
- Share distribution · AL MARAM
- Notarial deed: 2026-04-20 · AL MARAM
- Publication: 2026-04-28
Technical details
{
"facts": [
{
"type": "filing",
"quote": "D\u00E9pos\u00E9 / Re\u00E7u le 21 AVR. 2026",
"value": "2026-04-21",
"object": null,
"subject": "e1"
},
{
"type": "act_object",
"quote": "Objet de l\u0027acte: Cession, D\u00E9mission",
"value": "Cession, D\u00E9mission",
"object": null,
"subject": "e1"
},
{
"type": "general_meeting",
"quote": "L\u0027AGE du 20/04/2026",
"value": "2026-04-20",
"object": null,
"subject": "e1"
},
{
"type": "share_transfer",
"quote": "1- Mr. Moujib Hammal Ismael c\u00E8de (5 parts sociales) \u00E0 Mr Raggadi Kamal; avec effet au 29/10/2025",
"value": {
"shares": 5,
"effective_date": "2025-10-29"
},
"object": "e3",
"subject": "e2"
},
{
"type": "share_transfer",
"quote": "2-Mr. Haddam Anass c\u00E8de (5 parts sociales) \u00E0 Mr Raggadi Kamal : avec effet au 13/04/2026",
"value": {
"shares": 5,
"effective_date": "2026-04-13"
},
"object": "e3",
"subject": "e4"
},
{
"type": "officer_resignation",
"quote": "3- La D\u00E9mission de Mr Moujib Hammal Ismael comme administrateur; avec effet au 29/10/2025",
"value": {
"role": "administrateur",
"effective_date": "2025-10-29"
},
"object": "e1",
"subject": "e2"
},
{
"type": "officer_resignation",
"quote": "4-La D\u00E9mission de Mr Haddam Anass comme administrateur; avec effet au 13/04/2026",
"value": {
"role": "administrateur",
"effective_date": "2026-04-13"
},
"object": "e1",
"subject": "e4"
},
{
"type": "share_distribution",
"quote": "La nouvelle r\u00E9partition des parts sociales est inscrite immediatement sur le livre des parts de la soci\u00E9t\u00E9 et se pr\u00E9sente comme suite Raggadi Kamal .90 parts sociales El Abdi Benaisa 05 parts sociales Belhadi Soufiane 05 parts sociales",
"value": {
"shareholders": [
{
"name": "Raggadi Kamal",
"shares": 90
},
{
"name": "El Abdi Benaisa",
"shares": 5
},
{
"name": "Belhadi Soufiane",
"shares": 5
}
]
},
"object": null,
"subject": "e1"
},
{
"type": "notarial_deed",
"quote": "Fait \u00E0 R\u00E9gion-Bruxelles-Capitale, Le 20/04/2026",
"value": "2026-04-20",
"object": null,
"subject": "e1"
},
{
"type": "publication",
"quote": "Belgisch Staatsblad - 28/04/2026",
"value": "2026-04-28",
"object": null,
"subject": null
}
],
"act_meta": {
"model_id": 40,
"extractor": "open-capture-27b-v3",
"ocr_chars": 1529,
"truncated": false,
"needs_verify": false
},
"entities": [
{
"id": "e1",
"kbo": "0800.552.777",
"kind": "company",
"name": "AL MARAM",
"attrs": {
"seat": "Rue Van Oost 58, 1030 Schaerbeek",
"legal_form": "Soci\u00E9t\u00E9 \u00E0 responsabilit\u00E9 limit\u00E9e"
}
},
{
"id": "e2",
"kbo": null,
"kind": "person",
"name": "Moujib Hammal Ismael",
"attrs": {}
},
{
"id": "e3",
"kbo": null,
"kind": "person",
"name": "Raggadi Kamal",
"attrs": {}
},
{
"id": "e4",
"kbo": null,
"kind": "person",
"name": "Haddam Anass",
"attrs": {}
},
{
"id": "e5",
"kbo": null,
"kind": "person",
"name": "El Abdi Benaisa",
"attrs": {}
},
{
"id": "e6",
"kbo": null,
"kind": "person",
"name": "Belhadi Soufiane",
"attrs": {}
}
]
}31-10-2025 Transaction in capital or shares
Technical details
{
"events": [
{
"kind": "share_transfer",
"amount": 5,
"currency": "BEF",
"after_eur": null,
"delta_eur": null,
"before_eur": null,
"amount_type": "onbekend",
"effective_date": "2025-10-24",
"evidence_quote": "Mr. Mbanta Amos Emmanuel c\u00E8de (5 parts sociales) \u00E0 Mr Moujib Hammal Ismael; met effet au 24/10/2025",
"contribution_type": null
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0800.552.777",
"name_full": "AL MARAM",
"legal_form": "SRL"
}
}22-05-2025 Transaction in capital or shares
Technical details
{
"events": [
{
"kind": "share_transfer",
"amount": null,
"currency": null,
"after_eur": null,
"delta_eur": null,
"before_eur": null,
"amount_type": "onbekend",
"effective_date": "2025-05-14",
"evidence_quote": "Mr. Ragadi Kamal c\u00E8de 5 parts sociales \u00E0 : Mr. Belhadi Soufiane: met effect aan 14/05/2025",
"contribution_type": null
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0800.552.777",
"name_full": "AL MARAM",
"legal_form": "SRL"
}
}28-10-2024 2 directors appointed
- Mbanta Amos Emmanuel, Bestuurder
- El Abdi Benaisa, Bestuurder
Technical details
{
"events": [
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Mbanta Amos Emmanuel",
"address": null,
"birth_date": null
},
"effective_date": "2024-10-15",
"evidence_quote": "1-La nomination de Mr Mbanta Amos Emmanuel et El Abdi Benaisa comme administrateurs Avec effet au 15/10/2024"
},
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "El Abdi Benaisa",
"address": null,
"birth_date": null
},
"effective_date": "2024-10-15",
"evidence_quote": "1-La nomination de Mr Mbanta Amos Emmanuel et El Abdi Benaisa comme administrateurs Avec effet au 15/10/2024"
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0800.552.777",
"name_full": "AL MARAM",
"legal_form": "SRL"
}
}21-10-2024 Transaction in capital or shares
Technical details
{
"events": [
{
"kind": "share_transfer",
"amount": 5,
"currency": "BEF",
"after_eur": null,
"delta_eur": null,
"before_eur": null,
"amount_type": "onbekend",
"effective_date": "2024-10-10",
"evidence_quote": "Mr. Bacha Adil c\u00E8de (5 parts sociales) \u00E0 Mr Mbanta Amos Emmanuel; met effet au 10/10/2024",
"contribution_type": null
},
{
"kind": "share_transfer",
"amount": 5,
"currency": "BEF",
"after_eur": null,
"delta_eur": null,
"before_eur": null,
"amount_type": "onbekend",
"effective_date": "2024-10-10",
"evidence_quote": "Mr. Raggadi Kamal c\u00E8de (5 parts sociales) \u00E0 Mr El Abdi Benaisa: met effet au 10/10/2024",
"contribution_type": null
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0800.552.777",
"name_full": "AL MARAM",
"legal_form": "SRL"
}
}03-07-2024 3 resigning
- Kanite Mourade, Bestuurder
- Bjayou Yassin, Bestuurder
- Siali Zakaria, Bestuurder
Technical details
{
"events": [
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Kanite Mourade",
"address": null,
"birth_date": null
},
"effective_date": "2024-05-28",
"evidence_quote": "LA D\u00E9mission de Mr kanite Mourade et Bjayou yassin comme administrateurs; avec effet au 28/05/2024"
},
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Bjayou Yassin",
"address": null,
"birth_date": null
},
"effective_date": "2024-05-28",
"evidence_quote": "LA D\u00E9mission de Mr kanite Mourade et Bjayou yassin comme administrateurs; avec effet au 28/05/2024"
},
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Siali Zakaria",
"address": null,
"birth_date": null
},
"effective_date": "2024-06-30",
"evidence_quote": "La D\u00E9mission de Mr. Siali Zakaria comme administrateur: avec effet au 30/06/2024"
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0800.552.777",
"name_full": "AL MARAM",
"legal_form": "SRL"
}
}05-06-2024 Transaction in capital or shares
Technical details
{
"events": [
{
"kind": "share_transfer",
"amount": null,
"currency": null,
"after_eur": null,
"delta_eur": null,
"before_eur": null,
"amount_type": "onbekend",
"effective_date": "2024-05-28",
"evidence_quote": "Mr. Kanite Mourad c\u00E8de 5 parts sociales \u00E0: Mr. Raggadi Kamal (5 parts sociales); met effect au 28/05/2024",
"contribution_type": null
},
{
"kind": "share_transfer",
"amount": null,
"currency": null,
"after_eur": null,
"delta_eur": null,
"before_eur": null,
"amount_type": "onbekend",
"effective_date": "2024-05-28",
"evidence_quote": "Mr. B\u0027jayou Yassin c\u00E8de 5 paris sociales \u00E0: Mr. Raggadi Kamal (5 parts sociales); met effects au 28/05/2024",
"contribution_type": null
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0800.552.777",
"name_full": "AL MARAM",
"legal_form": "SRL"
}
}21-05-2024 2 directors appointed
- Haddam Anas, Bestuurder
- Kanite Mourad, Bestuurder
Technical details
{
"events": [
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Haddam Anas",
"address": null,
"birth_date": null
},
"effective_date": "2024-05-11",
"evidence_quote": "La Nomination de Mr. Haddam Anas et Mr. Kanite Mourad comme administrateurs; avec effet au 11.05.2024."
},
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Kanite Mourad",
"address": null,
"birth_date": null
},
"effective_date": "2024-05-11",
"evidence_quote": "La Nomination de Mr. Haddam Anas et Mr. Kanite Mourad comme administrateurs; avec effet au 11.05.2024."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0800.552.777",
"name_full": "AL MARAM",
"legal_form": "SRL"
}
}03-04-2024 Bacha Adil appointed as director
- Bacha Adil, Bestuurder
Technical details
{
"events": [
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Bacha Adil",
"address": null,
"birth_date": null
},
"effective_date": "2024-03-20",
"evidence_quote": "La Nomination de Mr. Bacha Adil comme administrateur; avec effet au 20.03.2024."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0800.552.777",
"name_full": "AL MARAM",
"legal_form": "SRL"
}
}16-02-2024 Transaction in capital or shares
Technical details
{
"events": [
{
"kind": "share_transfer",
"amount": 5,
"currency": "BEF",
"after_eur": null,
"delta_eur": null,
"before_eur": null,
"amount_type": "onbekend",
"effective_date": "2024-02-07",
"evidence_quote": "La Cession de 5 parts sociales de Mr. Badr Ibhouden Ibrahim, soit la totalit\u00E9 De ses parts sociales \u00E0: Mr. Siali Zakaria; met effet au 07.02.2024.",
"contribution_type": null
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0800.552.777",
"name_full": "AL MARAM",
"legal_form": "SRL"
}
}06-11-2023 2 directors appointed, 1 resigning
- Badr Ibhouden Ibrahim, Bestuurder
- B'Jayou Yassin, Bestuurder
- EL Moatassim Rachid, Bestuurder
Technical details
{
"events": [
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Badr Ibhouden Ibrahim",
"address": null,
"birth_date": null
},
"effective_date": "2023-10-23",
"evidence_quote": "La Nomination de Mr. Badr Ibhouden Ibrahim comme administrateur; avec effet au 23.10.2023."
},
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "B\u0027Jayou Yassin",
"address": null,
"birth_date": null
},
"effective_date": "2023-10-23",
"evidence_quote": "La Nomination de Mr. B\u0027Jayou Yassin comme administrateur; avec effet au 23.10.2023."
},
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "EL Moatassim Rachid",
"address": null,
"birth_date": null
},
"effective_date": "2023-10-23",
"evidence_quote": "La D\u00E9mission de Mr. EL Moatassim Rachid de ses fonctions comme administrateur; avec effet au 23.10.2023."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0800.552.777",
"name_full": "AL MARAM",
"legal_form": "SRL"
}
}03-10-2023 Transaction in capital or shares
Technical details
{
"events": [
{
"kind": "share_transfer",
"amount": 5,
"currency": "BEF",
"after_eur": null,
"delta_eur": null,
"before_eur": null,
"amount_type": "onbekend",
"effective_date": "2023-09-13",
"evidence_quote": "1-La Cession de 5 parts sociales de Mr. Raggadi Kamal \u00E0 Mr. B\u0027Jayou Yassin; met effect aan 13.09.2023.",
"contribution_type": null
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0800.552.777",
"name_full": "AL MARAM",
"legal_form": "SRL"
}
}13-07-2023 El Moatassim Rachid appointed as director
- El Moatassim Rachid, Bestuurder
Technical details
{
"events": [
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "El Moatassim Rachid",
"address": null,
"birth_date": null
},
"effective_date": "2023-07-04",
"evidence_quote": "La Nomination de Mr. El Moatassim Rachid comme deuxieme administrateur; avec effet au 04.07.2023."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0800.552.777",
"name_full": "AL MARAM",
"legal_form": "SRL"
}
}12-04-2023 Incorporation of a new SRL
Technical details
{
"kind": "oprichting",
"seat": "1030 Schaerbeek, Rue Van Oost 58",
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"founders": [
{
"org": null,
"kind": "natural_person",
"person": {
"dob": "1974-04-20",
"name": "RAGGADI Kamal",
"niss": null,
"address": "1030 Schaerbeek, Rue Van Oost 58"
},
"share_class": "Ordinary",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 0,
"holder_person_name": "RAGGADI Kamal",
"is_subscriber_only": false,
"n_shares_subscribed": 100,
"amount_subscribed_eur": 1000,
"is_anonymous_silent_partner": false
}
],
"capital_eur": 1000,
"subject_company": {
"kbo": "0800.552.777",
"name_full": "AL Maram",
"legal_form": "SRL"
},
"initial_directors": [],
"incorporation_date": "2023-04-06",
"post_incorporation_mandates": []
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameFR | AL Maram |