GRAMI-TRANS
ActiveSummary
The computed 12-month bankruptcy probability of GRAMI-TRANS is 2.2% (moderate). The 2025 annual accounts show equity of €13k and a net result of €-3k. Equity is growing by ~28.4% per year across the filed fiscal years. Its solvency ranks better than 36% of 4603 sector peers (fiscal year 2025). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
36
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-43
Solvency50▲+2
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.3 against 1.35 in 2024; short-term debt: 75.4% of total assets), and 75.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 49
Relative position
BE, all sectors
reference
Sector 49
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
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 2025Solvency, return and age of the figures
Solvency
24.6%
Return on assets
-5.4%
Age of the figures
9 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 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
30 d late
2023
29 d late
2022
7 d early
2021
31 d late
2020
61 d late
2019
142 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€765k
EBIT margin
-0.1%
Net result
€-3k
2024 · €7k
2018: €-2k
2019: €-36k
2020: €12k
2021: €5k
2022: €3k
2023: €3k
2024: €7k
2018 → 2025
Working capital
€12k▼ 32.6%
2024 · €17k
2018: €20k
2019: €4k
2020: €15k
2021: €46k
2022: €39k
2023: €25k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€6k▲ 106%€9k▲ 44.9%€16k▲ 72.7%€13k▼ 18.1%
Operating result€7k-€8k▲ 11.5%€6k▼ 27.7%€14k▲ 160%€-2k
Net result€5k-€3k▼ 31.3%€3k▼ 12.7%€7k▲ 135%€-3k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €14k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52k
Fixed assets
€1k ▼ 55.5%
Current assets
€51k ▼ 23.9%
Equity and liabilities €52k
Equity
€13k ▼ 18.1%
Debt
€40k ▼ 27.0%
Debt's share of the balance-sheet total falls from 77.5% to 75.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-747▼
2024 · €19k
Cash flow
€-1k▼
2024 · €11k
Current ratio
1.30▼
2024 · 1.35
Debt to equity
3.07▼
2024 · 3.44
ROE
-22.1%▼
2024 · 42.1%
ROA
-5.4%▼
2024 · 9.5%
Interest coverage
-0.47▼
2024 · 2.99
Debt ≤ 1 year
€40k▼
2024 · €50k
Staff costs
€71k▼
2024 · €80k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€70k€52k▼
Fixed assets21/28€3k€1k▼
Tangible fixed assets22/27€3k€1k▼
Plant, machinery and equipment23€957€188▼
Furniture and vehicles24€2k€933▼
Current assets29/58€67k€51k▼
Amounts receivable within one year40/41€63k€49k▼
Trade receivables40€45k€35k▼
Other amounts receivable41€18k€15k▼
Cash at bank and in hand54/58€4k-
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€70k€52k▼
Equity10/15€16k€13k▼
Contributions10/11€11k€11k=
Reserves13€11k€11k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€9k€9k=
Profit (loss) carried forward14€-7k€-9k▼
Amounts payable17/49€54k€40k▼
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€50k€40k▼
Current portion of amounts payable after more than one year42€10k€8k▼
Financial debts43-€6k
Credit institutions430/8-€6k
Trade debts44€4k€11k▲
Suppliers440/4€4k€11k▲
Taxes, remuneration and social security45€35k€14k▼
Taxes450/3€13k€4k▼
Remuneration and social security454/9€22k€10k▼
Income statement
Code20242025
Non-recurring operating income76A€2k-
Remuneration, social security and pensions62€80k€71k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€1k▼
Other operating charges640/8€9k€4k▼
Gross operating margin9900€108k€73k▼
Operating profit (loss)9901€14k€-2k▼
Financial income75/76B€1k€888▼
Recurring financial income75€1k€888▼
Financial charges65/66B€6k€2k▼
Recurring financial charges65€6k€2k▼
Profit (loss) for the period before taxes9903€9k€-3k▼
Income taxes67/77€3k-
Profit (loss) for the period9904€7k€-3k▼
Profit (loss) for the period to be appropriated9905€7k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-9k▼
Profit (loss) brought forward from the previous period14P€-13k€-7k▲
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
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 142 days late
2019
31-12
Financial
Weakest financial yearnet €-36k
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
10-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 132 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 13 days late
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 8 days late
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, Sint-Jans-Molenbeek · 1 establishment unit since 2012
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.
Zaadstraat 671080 Sint-Jans-MolenbeekGround area
1.8 ha
Building footprint
688 m²
Volume, LiDAR
12,160 m³
Parcel 21523B0887/00D000, Brussels · tallest building 22.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
GRAMI-TRANS
since 20122.216.664.388
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21523B0887/00D000 | Brussels | 1.8 ha | 2 · 687 m² | 22.1 m · 6 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
VOGUE MERRY
BE 0784.702.086
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BLINE
BE 0805.036.751
Wezembeek-Oppem · Eq €12,876
J&R TEAM BELGIUM
BE 1008.337.863
Zelzate · Eq €12,864
DN LINE
BE 0793.907.881
Zaventem · Eq €12,909
ZOUMZI
BE 1012.982.282
Gent · Eq €12,854
Of 12,604 companies in sector 49410 we hold annual accounts for 8,202. 4,299 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-02-2004
Fiscal year end31-12
Activities, NACEBEL 2025
49410Freight transport by road
53200Other postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.