ARAM 7
ActiveARAM 7 has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69k and a net result of €13k. Equity is growing by ~27.3% per year across the filed fiscal years. Its solvency ranks better than 81% of 10230 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-9
Solvency100▲+4
Growth84=
Stability100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.09 against 2.01 in 2024), and 29.6% 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.
−lowers risk+raises risk○neutral
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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
70.4%
Return on assets
12.8%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 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 · 9 filingsDeviation from the deadline
2025
13 d late
2024
30 d late
2023
26 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
31 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€475k▲ 25.8%
2019 · €377k
2018: €337k
2019: €377k
2018 → 2020
EBIT margin
2.7%▲ 1.9pp
2019 · 0.8%
2018: 0.5%
2019: 0.8%
2018 → 2020
Net result
€13k▼ 2.9%
2024 · €13k
2018: €1k
2019: €2k
2020: €10k
2021: €7k
2022: €2k
2023: €9k
2024: €13k
2018 → 2025
Working capital
€57k▲ 33.5%
2024 · €43k
2018: €-7k
2019: €-3k
2020: €9k
2021: €19k
2022: €17k
2023: €33k
2024: €43k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€35k▲ 6.7%€43k▲ 25.3%€56k▲ 29.8%€69k▲ 22.3%
Operating result€10k-€4k▼ 65.4%€11k▲ 227%€17k▲ 51.3%€17k▼ 4.9%
Net result€7k-€2k▼ 70.7%€9k▲ 304%€13k▲ 47.6%€13k▼ 2.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98k
Fixed assets
€14k▼ 34.8%
Current assets
€84k▼ 0.9%
Equity and liabilities €98k
Equity
€69k▲ 22.3%
Debt
€29k▼ 41.6%
The debt ratio falls from 46.8% to 29.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€24k▼
2024 · €25k
Cash flow
€20k▼
2024 · €20k
Solvency
70.4%▲
2024 · 53.2%
Current ratio
3.09▲
2024 · 2.01
Quick ratio
2.83▲
2024 · 1.74
Debt / equity
0.42▼
2024 · 0.88
ROE
18.2%▼
2024 · 22.9%
ROA
12.8%▲
2024 · 12.2%
Interest coverage
28.97▲
2024 · 19.88
Debt
€29k▼
2024 · €49k
Debt ≤ 1 year
€27k▼
2024 · €42k
Debt > 1 year
€2k▼
2024 · €7k
Income taxes
€3k▼
2024 · €3k
Staff costs
€278▼
2024 · €2k
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€106k€98k▼
Fixed assets21/28€21k€14k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€13k€7k▼
Furniture and vehicles24€13k€7k▼
Financial fixed assets28€5k€5k=
Current assets29/58€85k€84k▼
Stocks and contracts in progress3€11k€7k▼
Stocks30/36€11k€7k▼
Amounts receivable within one year40/41€31k€14k▼
Trade receivables40€31k€14k▼
Cash at bank and in hand54/58€42k€62k▲
Deferred charges and accrued income490/1-€481
Equity and liabilities
Total equity and liabilities10/49€106k€98k▼
Equity10/15€56k€69k▲
Contributions10/11€11k€11k=
Outside capital11€11k€11k=
Other1109/19€11k€11k=
Reserves13€514€514=
Non-distributable reserves130/1€514€514=
Reserves not available under the articles1311€514€514=
Profit (loss) carried forward14€44k€57k▲
Amounts payable17/49€49k€29k▼
Amounts payable after more than one year17€7k€2k▼
Financial debts170/4€7k€2k▼
Amounts payable within one year42/48€42k€27k▼
Current portion of amounts payable after more than one year42€6k€5k▼
Trade debts44€27k€11k▼
Suppliers440/4€27k€11k▼
Taxes, remuneration and social security45€9k€11k▲
Taxes450/3€8k€10k▲
Remuneration and social security454/9€1k€965▼
Other amounts payable47/48€499€104▼
Income statement
Code20242025
Remuneration, social security and pensions62€2k€278▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€1k€1k▲
Gross operating margin9900€27k€25k▼
Operating profit (loss)9901€17k€17k▼
Financial income75/76B€221€173▼
Recurring financial income75€221€173▼
Financial charges65/66B€1k€822▼
Recurring financial charges65€1k€822▼
Profit (loss) for the period before taxes9903€16k€16k▼
Income taxes67/77€3k€3k▼
Profit (loss) for the period9904€13k€13k▼
Profit (loss) for the period to be appropriated9905€13k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€44k€57k▲
Profit (loss) brought forward from the previous period14P€32k€44k▲
The notes to these accounts (8 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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 13 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Highest result since 2018net €13k ▲47.6%
Operating result €17k, net result €13k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 1.56
Current ratio from 0.77 to 1.56.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Evere · 1 establishment unit since 2017
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.
H. Consciencelaan 851140 EvereGround area
155 m²
Building footprint
134 m²
Volume, LiDAR
1,461 m³
Parcel 21372D0247/00R004, Brussels · tallest building 17.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
ARAM 7
since 20172.264.420.359
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21372D0247/00R004 | Brussels | 155 m² | 1 · 134 m² | 17.1 m · 5 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 siteEvere2.264.420.359
Similar companies · same sector, comparable size
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A.P.A. Retail Services
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BROTHER TRADERS
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ARPIT
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Of 10,411 companies in sector 47110 we hold annual accounts for 5,786. 4,614 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-05-2017
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47252Retail sale of beverages, general range
47260Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.