Skip to content
Checked.be
Complete company report
Generated 19-07-2026
Active BE 0780.448.538Private limited company

AYRAM

· 4 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of AYRAM is 3.9% (moderate). The 2023 annual accounts show equity of €57k and a net result of €4k. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €57k
Net result €4k
Active 4 yrs
Publications 5
Snowflake analysis 5 axes · computed by Checked
Health71Profitability32Solvency52Growth52Stability94
60 / 100

Strong profile, led by stability.

Health 71
Profitability 32
Solvency 52
Growth 52
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
3.9% Moderate
0%0,5%1,5%4%10%≥25%
Young company +No NACE activity registered +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2023 · computed
71 / 100 Healthy
050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →
Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 09-10-2024 with the NBB · fiscal year 2023 · micro
€0€20k€40k€60k€80kOperating result 2022: €77k€77kNet result 2022: €57k€57kOperating result 2023: €9k€9kNet result 2023: €4k€4k20222023
Operating resultNet result
EBITDA
€20k
-75.4% 22-23
Net profit
€4k
-93.6% 22-23
Cash flow
€15k
-76.0% 22-23
Total assets
€180k
+13.8% 22-23
Equity
€57k
+6.9% 22-23
Working capital
€12k
-74.8% 22-23
Income taxes
€4k
-80.1% 22-23
Dividends
€6k
- 22-23
Debt
€123k
+17.3% 22-23
Debt ≤ 1y
€106k
+1.7% 22-23
Debt > 1y
€16k
- 22-23
Current ratio
1.11
-23.7% 22-23
Quick ratio
1.11
-23.7% 22-23
Solvency
31.6%
-6.0% 22-23
Debt / equity
2.16
+9.7% 22-23
ROE
6.5%
-94.0% 22-23
ROA
2.1%
-94.4% 22-23
Interest coverage
12.39
-98.8% 22-23
Figures by fiscal year
Fiscal year2023
Revenue-
EBITDA€20k
Net profit€4k
Cash flow€15k
Staff costs-
Income taxes€4k
Dividends-
Total assets€180k
Equity€57k
Debt€123k
of which ≤ 1y€106k
of which > 1y€16k
Working capital€12k
Employees (FTE)-
Ratios (computed)
2023
Current ratio1.11
Quick ratio1.11
Working capital ratio6.8%
Solvency31.6%
Debt / equity2.16
Long-term debt ratio0.29
Interest coverage12.39
Gross margin-
Net margin-
ROA2.1%
ROE6.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€180k
Fixed assets 21/28€61k
Tangible fixed assets 22/27€61k
Current assets 29/58€119k
Amounts receivable within one year 40/41€104k
Cash & bank 54/58€14k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€180k
Equity 10/15€57k
Contributions / capital 10/11€2k
Reserves 13€170
Accumulated profits (losses) 14€55k
Amounts payable 17/49€123k
Amounts payable after one year 17€16k
Amounts payable within one year 42/48€106k
Trade debts payable within one year 44€65k
Income statement
Gross operating margin 9900€20k
Operating result 9901€9k
Financial income 75€682
Financial charges 65€2k
Result before taxes 9903€8k
Income taxes 67/77€4k
Net result for the period 9904€4k
Result to be appropriated 9905€4k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary -
Legal form Private limited company(610)
Incorporation14-01-2022
StatusActive
Postal code-
Real-estate footprint Source: CBE × cadastre

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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
22006A0114/00P000 Flanders 520 m² 1 · 325 m² 14.8 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 7 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2024
30-10-2024
State Gazette act Director changes
AYRAM
09-10-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
16-09-2024
State Gazette act Director changes
29-04-2024
State Gazette act Director changes
2023
27-11-2023
State Gazette act Director changes
25-09-2023
State Gazette act Registered-office change
AYRAM
21-09-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
Belgisch Staatsblad, acts 5 acts
Address history · 1
25-09-2023
Registered-office move
All acts · 5 updated 1 year ago
2024
30-10-2024 1 director appointed, 1 resigning Director changes·AYRAM
  • ROSTAS Mirela, Bestuurder
  • POP Romulus, Bestuurder
Notary: AYRAM · Brussel
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "POP Romulus",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De vergadering heeft kennis ontslag van De heer POP Romulus, als bestuurder, de vergadering aanvaardt en ontlast hem uit zijn macht.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "ROSTAS Mirela",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De vergadering neemt kennis van de benoeming van de mevrouw ROSTAS Mirela, als bestuurder de vergadering aanvaardt en geeft hem de bevoegdheid.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": "AYRAM",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Brussel",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-10-30",
    "filing_date": "2024-10-22",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2024-09-10",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0780.448.538",
    "name_full": null,
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
16-09-2024 1 director appointed, 1 resigning Director changes
  • POP Romulus, Bestuurder
  • IVANOVA Petya, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "IVANOVA Petya",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "voluntary",
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2024-09-06",
      "evidence_quote": "De Mevrouw IVANOVA Petya heeft ontslag van zijn functie of bestuurder vanaf de datum 06/09/2024 genomen.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "POP Romulus",
        "address": null,
        "birth_date": "1973-08-09",
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": true,
      "effective_date": "2024-09-06",
      "evidence_quote": "De Algemene vergadering stelt aan tot bestuurder vanaf 06/09/2024 voor onbepaalde duur: de heer POP Romulus, geboren op 09/08/1973, verklaart dit mandaat te aanvaarden. Zijn mandaat is bezoldigd.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "rep_rotation",
      "role": "vaste_vertegenwoordiger",
      "person": {
        "rrn": null,
        "name": "IVANOVA Petya",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2024-09-06",
      "evidence_quote": "De Mevrouw IVANOVA Petya verwerft zijn maatschappelijke aandelen aan de heer POP Romulus en ontsiag ap 06/09/2024.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Brussel",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": "2024-09-06",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2024-09-06",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0780.448.538",
    "name_full": "AYRAM",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "POP Romulus",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
29-04-2024 NECSEA Denisa resigns as director Director changes
  • NECSEA Denisa, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "NECSEA Denisa",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "voluntary",
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2024-04-18",
      "evidence_quote": "De Mevrouw NECSEA Denisa heeft ontslag var zijn furctie of bestuurder vanaf de datum 18/04/2024 geriomen.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "rep_rotation",
      "role": "vaste_vertegenwoordiger",
      "person": {
        "rrn": null,
        "name": "NECSEA Denisa",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2024-04-18",
      "evidence_quote": "Op 01/08/2023, de Mevrouw NECSEA Denisa verwerft 95 aandelen aan de Mevrouw IVANOVA Petya.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "rep_rotation",
      "role": "vaste_vertegenwoordiger",
      "person": {
        "rrn": null,
        "name": "NECSEA Denisa",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2024-04-18",
      "evidence_quote": "Op 18/04/2024, de Mevrouw NECSEA Denisa verwerft 5 aardelen aan de Mevrouw IVANOVA Petya",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Brussel",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-04-29",
    "filing_date": "2024-04-19",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2024-04-18",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0780.448.538",
    "name_full": "AYRAM",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "IVANOVA Petya",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2023
27-11-2023 2 directors appointed Director changes
  • IVANOVA Petya llich, Bestuurder
  • NECSEA Denisa, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "IVANOVA Petya llich",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2023-08-01",
      "evidence_quote": "De vergadering neemt kennis van de benoeming van de mevrouw IVANOVA Petya llich,, als bestuurder",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "NECSEA Denisa",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Brussel",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-11-27",
    "filing_date": "2023-11-17",
    "act_kind_objet": "BENOEMING"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-08-01",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0780.448.538",
    "name_full": "AYRAM",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
25-09-2023 Registered office moved from Mechelen to Wezembeek-Oppem Registered-office change·AYRAM
  • Ten Doorn(HEF) 3, 2801 Mechelen → Lange Eikstraat 46, 1970 Wezembeek-Oppem
Notary: AYRAM · Mechelen
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Lange Eikstraat 46, 1970 Wezembeek-Oppem",
        "city": "Wezembeek-Oppem",
        "region": "vlaams_gewest",
        "street": "Lange Eikstraat",
        "country": "BE",
        "postcode": "1970",
        "box_number": null,
        "street_number": "46",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Ten Doorn(HEF) 3, 2801 Mechelen",
        "city": "Mechelen",
        "region": "vlaams_gewest",
        "street": null,
        "country": "BE",
        "postcode": "2801",
        "box_number": null,
        "street_number": null,
        "locality_suffix": "(HEF)"
      },
      "effective_date": "2023-09-12",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": "AYRAM",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Mechelen",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-09-25",
    "filing_date": "2023-09-15",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2023-09-12",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0780.448.538",
    "name_full": "AYRAM",
    "legal_form": "BV",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "NECSEA Denisa",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameNL AYRAM
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative