GRAMMA CONSULTING

Active

Private limited companyfounded 201312 yrs activeSinaaistraat 27, 9250 Waasmunster, BelgiumKBO/BCE: BE 0542.497.343

GRAMMA CONSULTING has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €8k. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 72% of 18039 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

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Checked score

Score 2025

75 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability56▼-2

Solvency85▲+3

Growth78=

Track record100

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €4.5k at 30 days acceptable

Liquidity ample (current ratio 2.53 against 2.32 in 2024; short-term debt: 39.6% and cash: 77.9% of total assets), and 39.6% of the assets are financed with debt.

How do we compute the score and the probability?

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

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

60.4%

Return on assets

7.2%

Age of the figures

9 mo

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 filings

Deviation from the deadline

2025

31 d late

2024

1 d early

2023

25 d late

← before the deadline after the deadline →

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 months

Position in the running window

17-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€64k▲ 13.5%

2024 · €57k

2023: €48k 2024: €57k

2023 → 2025

Total assets

€107k▲ 7.0%

2024 · €100k

2023: €83k 2024: €100k

2023 → 2025

Net result

€8k▼ 8.0%

2024 · €8k

2023: €5k 2024: €8k

2023 → 2025

Working capital

€64k▲ 13.5%

2024 · €57k

2023: €48k 2024: €57k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€48k-€57k▲ 17.2%€64k▲ 13.5%

Operating result€7k-€13k▲ 71.2%€12k▼ 7.5%

Net result€5k-€8k▲ 80.5%€8k▼ 8.0%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 8% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Equity and liabilities €107k

60.4%

39.6%

Equity €64k▲ 13.5%

Debt €42k▼ 1.7%

The debt ratio falls from 43.1% to 39.6%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

Solvency

60.4%▲

2024 · 56.9%

Current ratio

2.53▲

2024 · 2.32

Quick ratio

2.53▲

2024 · 2.32

Debt / equity

0.65▼

2024 · 0.76

ROE

11.9%▼

2024 · 14.7%

ROA

7.2%▼

2024 · 8.4%

Debt

€42k▼

2024 · €43k

Debt ≤ 1 year

€42k▼

2024 · €43k

Income taxes

€4k▼

2024 · €4k

Staff costs

€65k▼

2024 · €72k

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€100k€107k▲

Current assets29/58€100k€107k▲

Amounts receivable within one year40/41€22k€23k▲

Trade receivables40€22k€23k▲

Cash at bank and in hand54/58€77k€83k▲

Deferred charges and accrued income490/1€479€167▼

Equity and liabilities

Total equity and liabilities10/49€100k€107k▲

Equity10/15€57k€64k▲

Contributions10/11€2k€2k=

Reserves13€54k€62k▲

Distributable reserves133€54k€62k▲

Profit (loss) carried forward14€303€303=

Amounts payable17/49€43k€42k▼

Amounts payable within one year42/48€43k€42k▼

Trade debts44€1k€5k▲

Suppliers440/4€1k€5k▲

Taxes, remuneration and social security45€27k€24k▼

Taxes450/3€14k€14k▲

Remuneration and social security454/9€13k€10k▼

Other amounts payable47/48€15k€13k▼

Income statement Code20242025

Remuneration, social security and pensions62€72k€65k▼

Other operating charges640/8€892€910▲

Gross operating margin9900€86k€78k▼

Operating profit (loss)9901€13k€12k▼

Financial income75/76B-€0

Recurring financial income75-€0

Financial charges65/66B€134€145▲

Recurring financial charges65€134€145▲

Profit (loss) for the period before taxes9903€12k€11k▼

Income taxes67/77€4k€4k▼

Profit (loss) for the period9904€8k€8k▼

Profit (loss) for the period to be appropriated9905€8k€8k▼

Appropriation of the result

Profit (loss) to be appropriated9906€9k€8k▼

Profit (loss) brought forward from the previous period14P€268€303▲

Transfer to equity691/2€8k€8k▼

To other reserves6921€8k€8k▼

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

2025

30-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2023net €8k ▲80.5%

Operating result €13k, net result €8k, both a record.

25-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 25 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, Waasmunster · 1 establishment unit since 2013

establishment The establishment unit on the map

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.

Sinaaistraat 279250 Waasmunster

Ground area

2,493 m²

Building footprint

450 m²

Volume, LiDAR

5,079 m³

2 parcels, Flanders · tallest building 19.5 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

HERVABO

Stationsstraat 24/26, 9160 LokerenWholesale trade

since 20132.224.673.323

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
42023A0959/00B000	Flanders	2,006 m²	1 · 175 m²	10.2 m · 2 fl.
46014A0668/00S009 ProtectedTownscape or village viewStadskern LokerenSource ↗	Flanders	487 m²	1 · 275 m²	19.5 m · 5 fl.