BRAM
ActiveBRAM has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €345k and a net result of €176k. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 43% of 2176 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+14
Solvency56▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity short (current ratio 1.0 against 1.24 in 2024; short-term debt: 58.6% and cash: 18.3% of total assets), and 68.6% 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
31.4%
Return on assets
16%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
16 d early
2023
7 d early
2022
30 d late
2021
31 d late
2020
30 d late
2019
52 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€345k▲ 5.9%
2024 · €326k
2018: €206k
2019: €258k
2020: €295k
2021: €345k
2022: €259k
2023: €298k
2024: €326k
2018 → 2025
Total assets
€1.10M▲ 0.9%
2024 · €1.09M
2018: €623k
2019: €788k
2020: €749k
2021: €1.09M
2022: €1.02M
2023: €964k
2024: €1.09M
2018 → 2025
Net result
€176k▲ 216%
2024 · €56k
2018: €36k
2019: €52k
2020: €37k
2021: €50k
2022: €-86k
2023: €39k
2024: €56k
2018 → 2025
Working capital
€-177
2024 · €134k
2018: €114k
2019: €148k
2020: €167k
2021: €240k
2022: €37k
2023: €88k
2024: €134k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€345k-€259k▼ 24.9%€298k▲ 15.1%€326k▲ 9.3%€345k▲ 5.9%
Operating result€81k-€-66k€68k€87k▲ 28.8%€251k▲ 187%
Net result€50k-€-86k€39k€56k▲ 41.9%€176k▲ 216%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 187% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.10M
Fixed assets
€455k▲ 14.2%
Current assets
€644k▼ 6.8%
Equity and liabilities €1.10M
Equity
€345k▲ 5.9%
Debt
€754k▼ 1.3%
The debt ratio falls from 70.1% to 68.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€387k▲
2024 · €223k
Cash flow
€311k▲
2024 · €191k
Solvency
31.4%▲
2024 · 29.9%
Current ratio
1.00▼
2024 · 1.24
Quick ratio
0.96▲
2024 · 0.84
Debt / equity
2.18▼
2024 · 2.34
ROE
50.9%▲
2024 · 17.0%
ROA
16.0%▲
2024 · 5.1%
Interest coverage
16.45▲
2024 · 9.68
Debt
€754k▼
2024 · €764k
Debt ≤ 1 year
€645k▲
2024 · €558k
Debt > 1 year
€109k▼
2024 · €206k
Income taxes
€59k▲
2024 · €11k
Staff costs
€589k▼
2024 · €591k
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€1.09M€1.10M▲
Fixed assets21/28€398k€455k▲
Tangible fixed assets22/27€395k€452k▲
Plant, machinery and equipment23€39k€215k▲
Furniture and vehicles24€80k€47k▼
Leasing and similar rights25€232k€154k▼
Other tangible fixed assets26€45k€35k▼
Financial fixed assets28€3k€3k=
Current assets29/58€692k€644k▼
Stocks and contracts in progress3€222k€28k▼
Stocks30/36€32k€15k▼
Contracts in progress37€190k€13k▼
Amounts receivable within one year40/41€352k€414k▲
Trade receivables40€271k€336k▲
Other amounts receivable41€82k€78k▼
Cash at bank and in hand54/58€102k€201k▲
Deferred charges and accrued income490/1€15k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.09M€1.10M▲
Equity10/15€326k€345k▲
Contributions10/11€64k€64k=
Reserves13€251k€212k▼
Tax-exempt reserves132€13k€13k=
Distributable reserves133€238k€199k▼
Profit (loss) carried forward14€10k€69k▲
Amounts payable17/49€764k€754k▼
Amounts payable after more than one year17€206k€109k▼
Financial debts170/4€206k€109k▼
Amounts payable within one year42/48€558k€645k▲
Current portion of amounts payable after more than one year42€134k€105k▼
Financial debts43€55k€51k▼
Credit institutions430/8€55k€51k▼
Trade debts44€297k€353k▲
Suppliers440/4€297k€353k▲
Taxes, remuneration and social security45€72k€73k▲
Taxes450/3€6k€10k▲
Remuneration and social security454/9€67k€63k▼
Other amounts payable47/48-€63k
Income statement
Code20242025
Remuneration, social security and pensions62€591k€589k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€135k€136k▲
Other operating charges640/8€5k€4k▼
Gross operating margin9900€819k€980k▲
Operating profit (loss)9901€87k€251k▲
Financial income75/76B€2k€7k▲
Recurring financial income75€2k€7k▲
Financial charges65/66B€23k€23k▲
Recurring financial charges65€23k€23k▲
Profit (loss) for the period before taxes9903€66k€235k▲
Income taxes67/77€11k€59k▲
Profit (loss) for the period9904€56k€176k▲
Profit (loss) for the period to be appropriated9905€56k€176k▲
Appropriation of the result
Profit (loss) to be appropriated9906€66k€186k▲
Profit (loss) brought forward from the previous period14P€10k€10k=
Transfer from equity791/2€28k€139k▲
Transfer to equity691/2€56k€100k▲
To other reserves6921€56k€100k▲
Profit to be distributed694/7€28k€157k▲
Return on contributions (dividend)694€28k€139k▲
Directors or managers695-€18k
Social balance
Average headcount (FTE)90879.39.7▲
The notes to these accounts (13 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €176k ▲216%
Operating result €251k, net result €176k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €39k
Net result €39k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-86k ▼272%
Net result drops to €-86k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Temse · 1 establishment unit since 2013
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.
Frank Van Dyckelaan 29140 TemseGround area
5,037 m²
Building footprint
1,813 m²
Volume, LiDAR
14,121 m³
Parcel 46025B1190/00A022, Flanders · tallest building 11.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Frank Van Dyckelaan 2, 9140 Temse
since 20132.216.596.983
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B1190/00A022 | Flanders | 5,037 m² | 1 · 1,813 m² | 11.6 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 4,057 EUR awarded · 4,057 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 33 EUR | 33 EUR |
| 2024 | 1 | 3,900 EUR | 3,900 EUR |
| 2022 | 1 | 124 EUR | 124 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 10,542 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-1997
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43320Joinery installation
45211
45421
46831Wholesale of construction materials, general range
46832Wholesale of timber
51532
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.