GRAMVAN
ActiveSummary
GRAMVAN has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33,386 and a net result of -€16,548. Equity is shrinking by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 55% of 18458 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability7▼-31
Solvency65▼-8
Growth32=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity tight (current ratio 1.43 against 1.95 in 2024; short-term debt: 46.2% and cash: 3.6% of total assets), and 60.3% of the assets are financed with debt.
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Signals
Four 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 2025Solvency, return and age of the figures
Solvency
39.7%
Return on assets
-19.7%
Age of the figures
9 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
7 d late
2023
12 d late
2022
10 d late
2021
58 d late
2020
2 d late
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 13 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€33,386▼ 33.1%
2024 · €49,934
Total assets
€84,086▼ 18.7%
2024 · €103,478
Net result
-€16,548
2024 · €7,276
Working capital
€16,724▼ 48.4%
2024 · €32,439
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€43,565▲ 11.8%€58,862▲ 35.1%€34,427▼ 41.5%€62,107▲ 80.4%€38,921▼ 37.3%
Net result-€6,541▲ 63.1%€570-€21,801€7,276-€16,548
Equity€63,889▼ 9.3%€64,459▲ 0.9%€42,658▼ 33.8%€49,934▲ 17.1%€33,386▼ 33.1%
Total assets€94,217▼ 18.2%€87,653▼ 7.0%€82,644▼ 5.7%€103,478▲ 25.2%€84,086▼ 18.7%
Debt€30,328▼ 32.3%€23,193▼ 23.5%€39,986▲ 72.4%€53,544▲ 33.9%€50,701▼ 5.3%
Working capital€55,964▼ 8.5%€57,900▲ 3.5%€37,465▼ 35.3%€32,439▼ 13.4%€16,724▼ 48.4%
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 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84,086
Fixed assets
€28,473 ▼ 22.6%
Current assets
€55,613 ▼ 16.6%
Equity and liabilities €84,086
Equity
€33,386 ▼ 33.1%
Debt
€50,701 ▼ 5.3%
Debt's share of the balance-sheet total rises from 51.7% to 60.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€47,247▼
2024 · €66,940
Cash flow
-€8,222▼
2024 · €12,108
Current ratio
1.43▼
2024 · 1.95
Quick ratio
0.88▼
2024 · 1.39
Debt to equity
1.52▲
2024 · 1.07
ROE
-49.6%▼
2024 · 14.6%
ROA
-19.7%▼
2024 · 7.0%
Interest coverage
0.85▼
2024 · 1.22
Debt ≤ 1 year
€38,889▲
2024 · €34,240
Debt > 1 year
€11,812▼
2024 · €19,304
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €9,500 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,366 | €1,366 | €1,366 | €4,832 | €8,326 | ▲ 72.3% |
| Other operating charges640/8 | €1,751 | €1,757 | €2,645 | €772 | €1,395 | ▲ 80.6% |
| Gross operating margin9900 | €46,682 | €61,985 | €38,437 | €67,712 | €48,642 | ▼ 28.2% |
| Operating profit (loss)9901 | €43,565 | €58,862 | €34,427 | €62,107 | €38,921 | ▼ 37.3% |
| Financial income75/76B | €405 | €177 | €490 | €0 | - | - |
| Recurring financial income75 | €405 | €177 | €490 | €0 | - | - |
| Financial charges65/66B | €50,267 | €58,208 | €56,433 | €54,832 | €55,469 | ▲ 1.2% |
| Recurring financial charges65 | €50,267 | €58,208 | €56,433 | €54,832 | €55,469 | ▲ 1.2% |
| Profit (loss) for the period before taxes9903 | -€6,297 | €831 | -€21,516 | €7,276 | -€16,548 | ▼ 327% |
| Income taxes67/77 | €244 | €261 | €285 | €0 | - | - |
| Profit (loss) for the period9904 | -€6,541 | €570 | -€21,801 | €7,276 | -€16,548 | ▼ 327% |
| Profit (loss) for the period to be appropriated9905 | -€6,541 | €570 | -€21,801 | €7,276 | -€16,548 | ▼ 327% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €94,217 | €87,653 | €82,644 | €103,478 | €84,086 | ▼ 18.7% |
| Fixed assets21/28 | €7,925 | €6,559 | €5,194 | €36,799 | €28,473 | ▼ 22.6% |
| Tangible fixed assets22/27 | €7,925 | €6,559 | €5,194 | €36,799 | €28,473 | ▼ 22.6% |
| Plant, machinery and equipment23 | €7,271 | €6,232 | €5,194 | €4,155 | €3,116 | ▼ 25.0% |
| Furniture and vehicles24 | €654 | €327 | €0 | €32,644 | €25,357 | ▼ 22.3% |
| Current assets29/58 | €86,292 | €81,093 | €77,450 | €66,679 | €55,613 | ▼ 16.6% |
| Stocks and contracts in progress3 | €23,794 | €23,255 | €25,152 | €19,053 | €21,401 | ▲ 12.3% |
| Stocks30/36 | €23,794 | €23,255 | €25,152 | €19,053 | €21,401 | ▲ 12.3% |
| Amounts receivable within one year40/41 | €51,517 | €42,106 | €37,385 | €34,939 | €30,615 | ▼ 12.4% |
| Trade receivables40 | €51,517 | €40,253 | €37,385 | €32,957 | €30,283 | ▼ 8.1% |
| Other amounts receivable41 | - | €1,853 | €0 | €1,983 | €331 | ▼ 83.3% |
| Cash at bank and in hand54/58 | €9,307 | €13,806 | €14,914 | €12,126 | €2,999 | ▼ 75.3% |
| Deferred charges and accrued income490/1 | €1,674 | €1,926 | €0 | €560 | €599 | ▲ 7.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €94,217 | €87,653 | €82,644 | €103,478 | €84,086 | ▼ 18.7% |
| Equity10/15 | €63,889 | €64,459 | €42,658 | €49,934 | €33,386 | ▼ 33.1% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €69,400 | €69,400 | €69,400 | €69,400 | €69,400 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | €67,540 | €67,540 | €69,400 | €69,400 | €69,400 | = |
| Profit (loss) carried forward14 | -€24,111 | -€23,541 | -€45,342 | -€38,066 | -€54,614 | ▼ 43.5% |
| Amounts payable17/49 | €30,328 | €23,193 | €39,986 | €53,544 | €50,701 | ▼ 5.3% |
| Amounts payable after more than one year17 | - | - | - | €19,304 | €11,812 | ▼ 38.8% |
| Financial debts170/4 | - | - | - | €19,304 | €11,812 | ▼ 38.8% |
| Amounts payable within one year42/48 | €30,328 | €23,193 | €39,986 | €34,240 | €38,889 | ▲ 13.6% |
| Current portion of amounts payable after more than one year42 | - | - | - | €7,201 | €7,493 | ▲ 4.0% |
| Trade debts44 | €21,030 | €15,091 | €31,381 | €22,629 | €30,646 | ▲ 35.4% |
| Suppliers440/4 | €21,030 | €15,091 | €31,381 | €22,629 | €30,646 | ▲ 35.4% |
| Taxes, remuneration and social security45 | €3,544 | €3,376 | €4,676 | €523 | €750 | ▲ 43.5% |
| Taxes450/3 | €3,544 | €3,376 | €4,676 | €523 | €750 | ▲ 43.5% |
| Other amounts payable47/48 | €5,754 | €4,726 | €3,928 | €3,887 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,541 | €570 | -€21,801 | €7,276 | -€16,548 | ▼ 327% |
| + Depreciation and write-downs630 | €1,366 | €1,366 | €1,366 | €4,832 | €8,326 | ▲ 72.3% |
| Operating cash flow (approximation) | -€5,176 | €1,936 | -€20,436 | €12,108 | -€8,222 | ▼ 168% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€36,438 | €0 | ▲ 100% |
| Change in cash | - | €4,500 | €1,108 | -€2,788 | -€9,128 | ▼ 227% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
31-12
Financial
Back to profitnet €7,276
Net result €7,276 after one loss-making year.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
31-12
Financial
Weakest financial yearnet -€21,801
Net result drops to -€21,801, the lowest in the series; recovery starts the following year.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
31-12
Financial
Back to profitnet €570
Net result €570 after 2 loss-making years.
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
2021
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Beernem · 1 establishment unit since 2015
Ground area
454 m²
Building footprint
69 m²
Volume, LiDAR
279 m³
Parcel 31003G0061/00S010, Flanders · tallest building 6.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
GRAMVAN
since 20152.240.741.471
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31003G0061/00S010 | Flanders | 454 m² | 1 · 69 m² | 6.2 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBeernem2.240.741.471
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Of 3,226 companies in sector 47781 we hold annual accounts for 743. 431 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded24-03-2015
Fiscal year end31-12
Activities, NACEBEL 2025
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47300Retail sale of automotive fuel
Scores and ratios are computed by Checked and are not a credit decision.