FIRAMA
ActiveFIRAMA has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €96k and a net result of €76k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 45% of 37960 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency78▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.88 against 1.86 in 2023; short-term debt: 47.4% and cash: 77.3% of total assets), and 47.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
44 d early
2022
21 d early
2021
23 d late
2020
9 d early
← 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
€76k▲ 18.8%
2023 · €64k
2020: €59k
2021: €34k
2022: €45k
2023: €64k
2020 → 2024
Working capital
€77k▲ 8.8%
2023 · €71k
2020: €58k
2021: €91k
2022: €131k
2023: €71k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€62k-€96k▲ 54.6%€141k▲ 46.8%€96k▼ 31.9%€96k=
Operating result€85k-€49k▼ 42.7%€59k▲ 21.0%€83k▲ 41.1%€98k▲ 18.4%
Net result€59k-€34k▼ 42.6%€45k▲ 32.5%€64k▲ 42.3%€76k▲ 18.8%
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 18% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €183k
Fixed assets
€20k▼ 24.1%
Current assets
€164k▲ 6.9%
Equity and liabilities €183k
Equity
€96k=
Debt
€87k▲ 5.2%
The debt ratio rises from 46.1% to 47.4%. Debt is higher.
Key figures and ratios
EBITDA
€106k▲
2023 · €87k
Cash flow
€84k▲
2023 · €68k
Solvency
52.6%▼
2023 · 53.9%
Current ratio
1.88▲
2023 · 1.86
Quick ratio
1.88▲
2023 · 1.86
Debt / equity
0.90▲
2023 · 0.86
ROE
79.1%▲
2023 · 66.6%
ROA
41.6%▲
2023 · 35.9%
Interest coverage
306.59▲
2023 · 132.66
Debt
€87k▲
2023 · €83k
Debt ≤ 1 year
€87k▲
2023 · €83k
Income taxes
€22k▲
2023 · €18k
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€179k€183k▲
Fixed assets21/28€26k€20k▼
Tangible fixed assets22/27€26k€19k▼
Plant, machinery and equipment23€827€390▼
Furniture and vehicles24€19k€14k▼
Other tangible fixed assets26€6k€5k▼
Financial fixed assets28€60€60=
Current assets29/58€153k€164k▲
Amounts receivable within one year40/41€19k€18k▼
Trade receivables40€16k€17k▲
Other amounts receivable41€2k€150▼
Cash at bank and in hand54/58€129k€142k▲
Deferred charges and accrued income490/1€5k€5k▼
Equity and liabilities
Total equity and liabilities10/49€179k€183k▲
Equity10/15€96k€96k=
Contributions10/11€3k€3k=
Reserves13€93k€93k=
Distributable reserves133€93k€93k=
Amounts payable17/49€83k€87k▲
Amounts payable within one year42/48€83k€87k▲
Trade debts44€215€177▼
Suppliers440/4€215€177▼
Taxes, remuneration and social security45€17k€8k▼
Taxes450/3€17k€8k▼
Other amounts payable47/48€65k€78k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€8k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€88k€108k▲
Operating profit (loss)9901€83k€98k▲
Financial income75/76B€55€400▲
Recurring financial income75€55€400▲
Financial charges65/66B€654€347▼
Recurring financial charges65€654€347▼
Profit (loss) for the period before taxes9903€82k€98k▲
Income taxes67/77€18k€22k▲
Profit (loss) for the period9904€64k€76k▲
Profit (loss) for the period to be appropriated9905€64k€76k▲
Appropriation of the result
Profit (loss) to be appropriated9906€109k€76k▼
Profit (loss) brought forward from the previous period14P€45k-
Profit to be distributed694/7€109k€76k▼
Return on contributions (dividend)694€109k€76k▼
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
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €76k ▲18.8%
Operating result €98k, net result €76k, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €141k ▲46.8%
3 profitable years in a row build equity to €141k.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 23 days late
2021
31-12
Financial
Weakest financial yearnet €34k ▼42.6%
Net result drops to €34k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Fernelmont · 1 establishment unit since 2019
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.
Rue du Pélaki, Forv. 545380 FernelmontGround area
2,150 m²
Building footprint
494 m²
Volume, LiDAR
3,375 m³
2 parcels, Brussels, Wallonia · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
FIRAMA
since 20192.295.087.702
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92047C0755/00D000 | Wallonia | 1,593 m² | 1 · 118 m² | - |
| 21903B0276/00C011 | Brussels | 556 m² | 1 · 376 m² | 14.6 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 40,546 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-10-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46190Agents in non-specialised wholesale trade
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
74201Photography, excluding press photography
74209Other photographic activities
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.