Gramil
ActiveSummary
Gramil has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €448k and a net result of €157k. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+10
Solvency100=
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 21.57 against 48.61 in 2024; short-term debt: 4.4% and cash: 21.2% of total assets), and 4.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
95.3%
Return on assets
33.4%
Age of the figures
12 mo
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
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 04-05-2026, 4 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 · 5 filingsDeviation from the deadline
2025
4 d late
2024
30 d late
2023
28 d late
2022
26 d late
2021
31 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€267k
EBIT margin
63.8%
Net result
€157k▼ 7.6%
2024 · €170k
2021: €127k
2022: €132k
2023: €136k
2024: €170k
2021 → 2025
Working capital
€427k▼ 44.3%
2024 · €766k
2021: €525k
2022: €578k
2023: €710k
2024: €766k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€267k
Equity€538k-€605k▲ 12.3%€741k▲ 22.5%€788k▲ 6.3%€448k▼ 43.1%
Operating result€165k-€164k▼ 0.8%€170k▲ 3.9%€212k▲ 24.5%€197k▼ 7.1%
Net result€127k-€132k▲ 3.8%€136k▲ 3.1%€170k▲ 25.3%€157k▼ 7.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €470k
Fixed assets
€23k ▼ 5.3%
Current assets
€447k ▼ 42.8%
Equity and liabilities €470k
Equity
€448k ▼ 43.1%
Debt
€22k ▲ 17.2%
Debt's share of the balance-sheet total rises from 2.4% to 4.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€210k▼
2024 · €224k
Cash flow
€170k▼
2024 · €182k
Current ratio
21.57▼
2024 · 48.61
Debt to equity
0.05▲
2024 · 0.02
ROE
35.1%▲
2024 · 21.6%
ROA
33.4%▲
2024 · 21.1%
Interest coverage
4777.98
Debt ≤ 1 year
€21k▲
2024 · €16k
Income taxes
€63k▲
2024 · €50k
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€807k€470k▼
Fixed assets21/28€24k€23k▼
Tangible fixed assets22/27€24k€23k▼
Plant, machinery and equipment23€718€294▼
Furniture and vehicles24€12k€15k▲
Other tangible fixed assets26€11k€8k▼
Current assets29/58€782k€447k▼
Amounts receivable within one year40/41€35k€28k▼
Trade receivables40€19k€13k▼
Other amounts receivable41€17k€15k▼
Current investments50/53€514k€318k▼
Cash at bank and in hand54/58€233k€100k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€807k€470k▼
Equity10/15€788k€448k▼
Contributions10/11€20k€20k=
Reserves13€768k€428k▼
Distributable reserves133€768k€428k▼
Amounts payable17/49€19k€22k▲
Amounts payable within one year42/48€16k€21k▲
Trade debts44€8k€7k▼
Suppliers440/4€8k€7k▼
Taxes, remuneration and social security45€8k€14k▲
Taxes450/3€6k€12k▲
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€36€35▼
Accrued charges and deferred income492/3€3k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€13k▲
Other operating charges640/8€390€744▲
Non-recurring operating charges66A€4k-
Gross operating margin9900€228k€211k▼
Operating profit (loss)9901€212k€197k▼
Financial income75/76B€8k€23k▲
Recurring financial income75€8k€23k▲
Financial charges65/66B-€44
Recurring financial charges65-€44
Profit (loss) for the period before taxes9903€220k€220k▲
Income taxes67/77€50k€63k▲
Profit (loss) for the period9904€170k€157k▼
Profit (loss) for the period to be appropriated9905€170k€157k▼
Appropriation of the result
Profit (loss) to be appropriated9906€170k€157k▼
Transfer from equity791/2€123k€497k▲
Transfer to equity691/2€170k€157k▼
To other reserves6921€170k€157k▼
Profit to be distributed694/7€123k€497k▲
Return on contributions (dividend)694€123k€497k▲
The notes to these accounts (7 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
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
30-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
30-09
Financial
Highest result since 2021net €170k ▲25.3%
Operating result €212k, net result €170k, both a record.
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
26-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 26 days late
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 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, Tienen · 1 establishment unit since 2010
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.
Leopoldvest 73300 TienenGround area
283 m²
Building footprint
115 m²
Volume, LiDAR
1,172 m³
Parcel 24593H0209/00K008, Flanders · tallest building 14.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Thomas Delauré, ir.-arch.
since 20102.194.221.360
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24593H0209/00K008 | Flanders | 283 m² | 1 · 115 m² | 14.3 m · 4 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
Proveko
BE 0550.761.644
Zulte · Eq €448,018
WIT ARCHITECTEN
BE 0449.200.664
Leuven · Eq €447,943
DES BEAUX ARCHITECTURE
BE 0839.056.433
Mechelen · Eq €447,583
Architecture et Construction entre Rêve et Réalité
BE 0424.846.934
Brussel · Eq €447,483
ARCHITECTENBUREAU pH²
BE 1002.341.382
Brugge · Eq €447,380
Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 4,175 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
Founded01-12-2010
Fiscal year end30-09
Activities, NACEBEL 2025
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.