Gravermi
ActiveGravermi has been active since 1974 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.13M and a net result of €-14k. Equity remains stable across the filed fiscal years (±1.7% per year). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-100
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 6.63 against 8.05 in 2023), and 6.2% of the assets are financed with debt.
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
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 2024Solvency, return and age of the figures
Solvency
93.8%
Return on assets
-1.2%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 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
not confirmed
2024
25 d late
2023
61 d late
2022
72 d late
2021
30 d late
2020
10 d late
2019
1 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€1.13M▼ 1.8%
2023 · €1.15M
2018: €804k
2019: €810k
2020: €813k
2021: €816k
2022: €830k
2023: €1.15M
2018 → 2024
Total assets
€1.20M▼ 2.3%
2023 · €1.23M
2018: €873k
2019: €962k
2020: €940k
2021: €896k
2022: €909k
2023: €1.23M
2018 → 2024
Net result
€-14k
2023 · €327k
2018: €8k
2019: €6k
2020: €3k
2021: €3k
2022: €14k
2023: €327k
2018 → 2024
Working capital
€310k▼ 13.6%
2023 · €359k
2018: €20k
2019: €-26k
2020: €-10k
2021: €23k
2022: €36k
2023: €359k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€813k-€816k▲ 0.4%€830k▲ 1.7%€1.15M▲ 38.6%€1.13M▼ 1.8%
Operating result€27k-€17k▼ 37.1%€27k▲ 56.9%€474k▲ 1,670%€-23k
Net result€3k-€3k▼ 3.7%€14k▲ 322%€327k▲ 2,294%€-14k
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 turns negative in 2024: a loss of €23k after €474k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.20M
Fixed assets
€838k▲ 2.0%
Current assets
€366k▼ 10.9%
Equity and liabilities €1.20M
Equity
€1.13M▼ 1.8%
Debt
€74k▼ 9.5%
The debt ratio falls from 6.6% to 6.2%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-17k▼
2023 · €479k
Cash flow
€-9k▼
2023 · €331k
Solvency
93.8%▲
2023 · 93.4%
Current ratio
6.63▼
2023 · 8.05
Quick ratio
6.63▼
2023 · 8.05
Debt / equity
0.07▼
2023 · 0.07
ROE
-1.2%▼
2023 · 28.4%
ROA
-1.2%▼
2023 · 26.5%
Interest coverage
-10.35▼
2023 · 265.64
Debt
€74k▼
2023 · €82k
Debt ≤ 1 year
€55k▲
2023 · €51k
Debt > 1 year
€19k▼
2023 · €31k
Staff costs
€2▼
2023 · €10k
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€1.23M€1.20M▼
Fixed assets21/28€822k€838k▲
Tangible fixed assets22/27€822k€838k▲
Land and buildings22€211k€212k▲
Plant, machinery and equipment23€8k€7k▼
Furniture and vehicles24€4k€3k▼
Other tangible fixed assets26€599k€616k▲
Current assets29/58€410k€366k▼
Amounts receivable after more than one year29€24k€15k▼
Other amounts receivable291€24k€15k▼
Amounts receivable within one year40/41€34k€47k▲
Trade receivables40€763-
Other amounts receivable41€33k€47k▲
Current investments50/53€350k€300k▼
Cash at bank and in hand54/58€1k€1k▼
Deferred charges and accrued income490/1€655€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.23M€1.20M▼
Equity10/15€1.15M€1.13M▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€1.09M€1.08M▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€1.08M€1.08M▼
Profit (loss) carried forward14-€-14k
Amounts payable17/49€82k€74k▼
Amounts payable after more than one year17€31k€19k▼
Financial debts170/4€31k€19k▼
Amounts payable within one year42/48€51k€55k▲
Current portion of amounts payable after more than one year42€12k€12k▼
Financial debts43€6k€15k▲
Credit institutions430/8€6k€15k▲
Trade debts44€466€2k▲
Suppliers440/4€466€2k▲
Taxes, remuneration and social security45€32k€26k▼
Taxes450/3€32k€26k▼
Accrued charges and deferred income492/3€10-
Income statement
Code20232024
Non-recurring operating income76A€478k-
Remuneration, social security and pensions62€10k€2▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€6k€7k▲
Gross operating margin9900€494k€-11k▼
Operating profit (loss)9901€474k€-23k▼
Financial income75/76B€8k€10k▲
Recurring financial income75€8k€10k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€480k€-14k▼
Income taxes67/77€154k-
Profit (loss) for the period9904€327k€-14k▼
Profit (loss) for the period to be appropriated9905€327k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€327k€-14k▼
Transfer from equity791/2€6k€6k=
Transfer to equity691/2€327k-
To other reserves6921€327k-
Profit to be distributed694/7€6k€6k=
Return on contributions (dividend)694€6k€6k=
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
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Weakest financial yearnet €-14k ▼104%
Net result drops to €-14k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Highest result since 2018net €327k ▲2294%
Operating result €474k, net result €327k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 8.05
Current ratio from 2.01 to 8.05.
31-12
Financial
Equity above €1MEq €1.15M ▲38.6%
6 profitable years in a row build equity to €1.15M.
11-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 72 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 1.95
Current ratio from 0.83 to 1.95; short-term debt falls from €59k to €24k.
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 21 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
27-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 27 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, Heers · 1 establishment unit since 1974
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.
Steenweg(H.) 13870 HeersGround area
608 m²
Building footprint
233 m²
Volume, LiDAR
2,533 m³
Parcel 73038A0535/00E000, Flanders · tallest building 15.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
NV GRAVERMI
since 19742.009.699.943
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73038A0535/00E000 | Flanders | 608 m² | 1 · 233 m² | 15.7 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.
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded12-03-1974
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.