BRAMOS
ActiveThe computed 12-month bankruptcy probability of BRAMOS is 4.8% (elevated). The 2024 annual accounts show equity of €4k and a net result of €63k. Equity is shrinking by ~142.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. Its solvency ranks better than 10% of 36373 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+100
Solvency28▲+2
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
4.8%
Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.97 against 0.51 in 2023; short-term debt: 97.3% and cash: 63.7% of total assets), and 97.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
2.7%
Return on assets
42.3%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 36373 sector peers (2024).
NBB · sector comparisonPosition among 36373 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
25 d late
2023
62 d late
2022
69 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€63k
2023 · €-15k
2022: €14k
2023: €-15k
2022 → 2024
Working capital
€-4k▲ 87.2%
2023 · €-33k
2022: €6k
2023: €-33k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€16k-€929▼ 94.0%€4k▲ 334%
Operating result€19k-€-14k€92k
Net result€14k-€-15k€63k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €92k after a loss of €14k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €149k
Fixed assets
€8k▼ 75.7%
Current assets
€141k▲ 318%
Equity and liabilities €149k
Equity
€4k▲ 334%
Debt
€145k▲ 118%
The debt ratio falls from 98.6% to 97.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€94k▲
2023 · €-5k
Cash flow
€65k▲
2023 · €-6k
Solvency
2.7%▲
2023 · 1.4%
Current ratio
0.97▲
2023 · 0.51
Quick ratio
0.86▲
2023 · 0.51
Debt / equity
35.98
ROA
42.3%▲
2023 · -21.6%
Interest coverage
88.84▲
2023 · -27.88
Debt
€145k▲
2023 · €67k
Debt ≤ 1 year
€145k▲
2023 · €66k
Income taxes
€28k
A ratio outside any meaningful range has been withheld (balance sheet total €149k, equity €4k).
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€68k€149k▲
Fixed assets21/28€34k€8k▼
Tangible fixed assets22/27€34k€8k▼
Furniture and vehicles24€34k€8k▼
Current assets29/58€34k€141k▲
Stocks and contracts in progress3-€16k
Stocks30/36-€16k
Amounts receivable within one year40/41€30k€30k▼
Trade receivables40€30k€20k▼
Other amounts receivable41-€10k
Cash at bank and in hand54/58€4k€95k▲
Deferred charges and accrued income490/1€239€667▲
Equity and liabilities
Total equity and liabilities10/49€68k€149k▲
Equity10/15€929€4k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€-1k€2k▲
Amounts payable17/49€67k€145k▲
Amounts payable within one year42/48€66k€145k▲
Trade debts44€47k€4k▼
Suppliers440/4€47k€4k▼
Taxes, remuneration and social security45€14k€29k▲
Taxes450/3€11k€29k▲
Remuneration and social security454/9€3k-
Other amounts payable47/48€6k€112k▲
Accrued charges and deferred income492/3€300-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€2k▼
Other operating charges640/8€1k€5k▲
Non-recurring operating charges66A-€9k
Gross operating margin9900€-4k€108k▲
Operating profit (loss)9901€-14k€92k▲
Financial income75/76B€3€10▲
Recurring financial income75€3€10▲
Financial charges65/66B€192€1k▲
Recurring financial charges65€192€1k▲
Profit (loss) for the period before taxes9903€-15k€91k▲
Income taxes67/77-€28k
Profit (loss) for the period9904€-15k€63k▲
Profit (loss) for the period to be appropriated9905€-15k€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€62k▲
Profit (loss) brought forward from the previous period14P€14k€-1k▼
Profit to be distributed694/7-€60k
Return on contributions (dividend)694-€60k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Back to profitnet €63k
Net result €63k after one loss-making year.
01-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 62 days late
2023
31-12
Financial
Weakest financial yearnet €-15k ▼208%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
08-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 69 days late
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, Brussel · 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.
Baljuwstraat 311000 BrusselGround area
277 m²
Building footprint
127 m²
Volume, LiDAR
1,709 m³
Parcel 21447B0209/00H002, Brussels · tallest building 30.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
BRAMOS
since 20222.326.534.904
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0209/00H002 | Brussels | 277 m² | 1 · 127 m² | 30.3 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.
Similar companies · same sector, comparable size
Purenergie
BE 1006.039.458
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PH CONSTRUCT
BE 0787.342.961
Sint-Pieters-Leeuw · Eq €4k
FALZONE SALVATORE
BE 0895.898.631
Fleurus · Eq €4k
VERBEEK KRISTOF
BE 0838.545.895
Geel · Eq €4k
MAUDOUX
BE 1002.080.868
Liège · Eq €4k
Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 1,324 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2022
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
33110Repair and maintenance of fabricated metal products
43211General electrical installation work
43221Plumbing work
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.