ARAM 4
ActiveThe computed 12-month bankruptcy probability of ARAM 4 is 3.5% (moderate). The 2025 annual accounts show equity of €5k and a net result of €435. Equity is growing by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 33% of 18281 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
39
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▲+1
Solvency39▼-2
Growth52=
Track record94
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.16 against 1.2 in 2024; short-term debt: 86.1% and cash: 20.1% of total assets), and 86.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 4 filingsDeviation from the deadline
2025
28 d late
2024
2 d early
2023
29 d late
2022
23 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▲ 8.6%
2024 · €5k
2022: €3k
2023: €5k
2024: €5k
2022 → 2025
Total assets
€39k▲ 28.4%
2024 · €31k
2022: €12k
2023: €18k
2024: €31k
2022 → 2025
Net result
€435▲ 126%
2024 · €192
2022: €777
2023: €2k
2024: €192
2022 → 2025
Working capital
€5k▲ 8.6%
2024 · €5k
2022: €3k
2023: €5k
2024: €5k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€3k-€5k▲ 74.8%€5k▲ 4.0%€5k▲ 8.6%
Operating result€-936-€-1k▼ 54.6%€-4k▼ 155%€-3k▲ 5.2%
Net result€777-€2k▲ 167%€192▼ 90.7%€435▲ 126%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €4k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €39k
Equity
€5k▲ 8.6%
Debt
€34k▲ 32.3%
The debt ratio rises from 83.6% to 86.1%. Equity and debt are higher.
Key figures and ratios
Solvency
13.9%▼
2024 · 16.4%
Current ratio
1.16▼
2024 · 1.20
Quick ratio
0.25▲
2024 · 0.13
Debt / equity
6.19▲
2024 · 5.09
ROE
7.9%▲
2024 · 3.8%
ROA
1.1%▲
2024 · 0.6%
Debt
€34k▲
2024 · €26k
Debt ≤ 1 year
€34k▲
2024 · €26k
Income taxes
€732
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€31k€39k▲
Current assets29/58€31k€39k▲
Stocks and contracts in progress3€27k€31k▲
Stocks30/36€27k€31k▲
Amounts receivable within one year40/41€430€556▲
Other amounts receivable41€430€556▲
Cash at bank and in hand54/58€3k€8k▲
Equity and liabilities
Total equity and liabilities10/49€31k€39k▲
Equity10/15€5k€5k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€3k€3k▲
Amounts payable17/49€26k€34k▲
Amounts payable within one year42/48€26k€34k▲
Trade debts44€544€278▼
Suppliers440/4€544€278▼
Taxes, remuneration and social security45€564€764▲
Taxes450/3€564€764▲
Other amounts payable47/48€25k€33k▲
Income statement
Code20242025
Gross operating margin9900€-4k€-3k▲
Operating profit (loss)9901€-4k€-3k▲
Financial income75/76B€4k€5k▲
Recurring financial income75€4k€5k▲
Financial charges65/66B€223€465▲
Recurring financial charges65€223€465▲
Profit (loss) for the period before taxes9903€192€1k▲
Income taxes67/77-€732
Profit (loss) for the period9904€192€435▲
Profit (loss) for the period to be appropriated9905€192€435▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€3k▲
Profit (loss) brought forward from the previous period14P€3k€3k▲
The notes to these accounts (1 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €192 ▼90.7%
Net result drops to €192, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2022net €2k ▲167%
Net result €2k, the highest in the series.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Oudergem · 1 establishment unit since 2022
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.
Waverse steenweg 12211160 OudergemGround area
90 m²
Building footprint
90 m²
Volume, LiDAR
933 m³
Parcel 21002A0197/00X000, Brussels · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ARAMARKET
since 20222.326.639.228
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21002A0197/00X000 | Brussels | 90 m² | 1 · 90 m² | 14.5 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteOudergem2.326.639.228
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LASNE DISTRIBUTION
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BE 0778.304.838
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PULPE.KORTRIJK
BE 1023.413.346
Mouscron · Eq €5k
Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 2,729 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-01-2022
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
52250Logistics services
52290Warehousing and support activities for transportation
53100Postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.