KERAM
ActiveSummary
KERAM has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €132,031 and a net result of €1,325. Equity remains stable across the filed fiscal years (±0.7% per year). The computed 12-month bankruptcy probability is 0.7% (low).
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Signals
This company filed its last 7 accounts on average 40 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
History
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Financials · fiscal year 2026, micro schema
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Peer companies
Historical observationOf the 16,986 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 16,986 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €859 | €859 | €859 | €74 | €153 | ▲ 106% |
| Gross operating margin9900 | -€3,645 | -€3,018 | -€5,767 | -€4,464 | -€1,329 | ▲ 70.2% |
| Operating profit (loss)9901 | -€4,504 | -€3,878 | -€6,626 | -€4,539 | -€1,482 | ▲ 67.3% |
| Financial income75/76B | €49 | - | - | €14 | €4,112 | ▲ 29,738% |
| Recurring financial income75 | €49 | - | - | €14 | €4,112 | ▲ 29,738% |
| Financial charges65/66B | €162 | €84 | €84 | €158 | €84 | ▼ 46.5% |
| Recurring financial charges65 | €162 | €84 | €84 | €158 | €84 | ▼ 46.5% |
| Profit (loss) for the period before taxes9903 | -€4,617 | -€3,962 | -€6,710 | -€4,682 | €2,545 | ▲ 154% |
| Income taxes67/77 | - | - | - | - | €1,220 | - |
| Profit (loss) for the period9904 | -€4,617 | -€3,962 | -€6,710 | -€4,682 | €1,325 | ▲ 128% |
| Profit (loss) for the period to be appropriated9905 | -€4,617 | -€3,962 | -€6,710 | -€4,682 | €1,325 | ▲ 128% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €168,714 | €163,532 | €156,145 | €151,319 | €152,121 | ▲ 0.5% |
| Fixed assets21/28 | €2,046 | €1,187 | €328 | €254 | €101 | ▼ 60.3% |
| Tangible fixed assets22/27 | €2,046 | €1,187 | €328 | €254 | €101 | ▼ 60.3% |
| Plant, machinery and equipment23 | €1,997 | €1,148 | €298 | €234 | €91 | ▼ 61.1% |
| Furniture and vehicles24 | €49 | €39 | €29 | €20 | €10 | ▼ 50.2% |
| Current assets29/58 | €166,668 | €162,345 | €155,817 | €151,065 | €152,020 | ▲ 0.6% |
| Amounts receivable within one year40/41 | €19,058 | €18,915 | €18,982 | €19,061 | €18,914 | ▼ 0.8% |
| Trade receivables40 | €3,974 | €3,853 | €3,914 | €3,914 | €3,914 | = |
| Other amounts receivable41 | €15,084 | €15,062 | €15,068 | €15,147 | €15,000 | ▼ 1.0% |
| Current investments50/53 | - | - | - | €125,000 | - | - |
| Cash at bank and in hand54/58 | €147,610 | €143,430 | €136,835 | €7,005 | €133,106 | ▲ 1,800% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €168,714 | €163,532 | €156,145 | €151,319 | €152,121 | ▲ 0.5% |
| Equity10/15 | €146,060 | €142,098 | €135,388 | €130,706 | €132,031 | ▲ 1.0% |
| Contributions10/11 | €155,100 | €155,100 | €155,100 | €155,100 | €155,100 | = |
| Reserves13 | €51,775 | €51,775 | €51,775 | €51,775 | €51,775 | = |
| Non-distributable reserves130/1 | €15,510 | €15,510 | €15,510 | €15,510 | €15,510 | = |
| Reserves not available under the articles1311 | €15,510 | €15,510 | €15,510 | €15,510 | €15,510 | = |
| Distributable reserves133 | €36,265 | €36,265 | €36,265 | €36,265 | €36,265 | = |
| Profit (loss) carried forward14 | -€60,815 | -€64,777 | -€71,487 | -€76,169 | -€74,844 | ▲ 1.7% |
| Amounts payable17/49 | €22,655 | €21,434 | €20,757 | €20,613 | €20,090 | ▼ 2.5% |
| Amounts payable within one year42/48 | €22,655 | €21,434 | €20,757 | €20,613 | €20,090 | ▼ 2.5% |
| Trade debts44 | - | - | - | - | €0 | - |
| Suppliers440/4 | - | - | - | - | €0 | - |
| Other amounts payable47/48 | €22,655 | €21,434 | €20,757 | €20,613 | €20,090 | ▼ 2.5% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€4,617 | -€3,962 | -€6,710 | -€4,682 | €1,325 | ▲ 128% |
| + Depreciation and write-downs630 | €859 | €859 | €859 | €74 | €153 | ▲ 106% |
| Operating cash flow (approximation) | -€3,758 | -€3,102 | -€5,851 | -€4,608 | €1,478 | ▲ 132% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€4,180 | -€6,595 | -€129,831 | €126,101 | ▲ 197% |
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
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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.
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24002F0002/00D002 | Flanders | 1,295 m² | 1 · 174 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Identification & contact
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
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Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.