MIRAM
ActiveSummary
MIRAM has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €20,460 and a net result of €34,687. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 17% of 20786 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency45▲+1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity tight (current ratio 1.21 against 1.16 in 2023; short-term debt: 80.2% and cash: 83.6% of total assets), and 80.2% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer 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 2024Solvency, return and age of the figures
Solvency
19.8%
Return on assets
33.6%
Age of the figures
21 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 20786 sector peers (2024).
NBB · sector comparisonPosition among 20786 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-04-2025, 111 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
111 d early
2023
117 d early
2022
4 d late
2021
4 d late
2020
243 d late
2019
42 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 3 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€20,460▼ 18.4%
2023 · €25,083
Total assets
€103,291▼ 21.7%
2023 · €131,954
Net result
€34,687▼ 22.3%
2023 · €44,623
Working capital
€17,510▲ 7.1%
2023 · €16,348
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€21,863▼ 10.8%€53,779▲ 146%€77,272▲ 43.7%€58,686▼ 24.1%€45,309▼ 22.8%
Net result€16,467within the sector's middle half▼ 14.1%€40,894within the sector's middle half▲ 148%€59,948above the sector's middle half▲ 46.6%€44,623within the sector's middle half▼ 25.6%€34,687within the sector's middle half▼ 22.3%
Equity€75,133within the sector's middle half▲ 28.1%€14,860below the sector's middle half▼ 80.2%€20,460below the sector's middle half▲ 37.7%€25,083within the sector's middle half▲ 22.6%€20,460below the sector's middle half▼ 18.4%
Total assets€151,455within the sector's middle half▲ 29.3%€184,338within the sector's middle half▲ 21.7%€146,495within the sector's middle half▼ 20.5%€131,954within the sector's middle half▼ 9.9%€103,291within the sector's middle half▼ 21.7%
Debt€76,321▲ 30.5%€169,478▲ 122%€126,035▼ 25.6%€106,871▼ 15.2%€82,831▼ 22.5%
Working capital€67,700within the sector's middle half▲ 17.7%€8,277below the sector's middle half▼ 87.8%€11,031below the sector's middle half▲ 33.3%€16,348within the sector's middle half▲ 48.2%€17,510within the sector's middle half▲ 7.1%
Solvency49.6%within the sector's middle half▼ 0.5pp8.1%below the sector's middle half▼ 41.5pp14.0%below the sector's middle half▲ 5.9pp19.0%below the sector's middle half▲ 5.0pp19.8%below the sector's middle half▲ 0.8pp
Current ratio2.14within the sector's middle half▲ 0.151.05below the sector's middle half▼ 1.091.09below the sector's middle half▲ 0.041.16below the sector's middle half▲ 0.061.21below the sector's middle half▲ 0.06
Return on assets (ROA)10.9%within the sector's middle half▼ 5.5pp22.2%within the sector's middle half▲ 11.3pp40.9%above the sector's middle half▲ 18.7pp33.8%above the sector's middle half▼ 7.1pp33.6%within the sector's middle half▼ 0.2pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 23% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €103,291
Fixed assets
€2,950 ▼ 71.1%
Current assets
€100,341 ▼ 17.6%
Equity and liabilities €103,291
Equity
€20,460 ▼ 18.4%
Debt
€82,831 ▼ 22.5%
Debt's share of the balance-sheet total falls from 81.0% to 80.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€52,581▼
2023 · €65,728
Cash flow
€41,959▼
2023 · €51,666
Debt to equity
4.05▼
2023 · 4.26
ROE
169.5%▼
2023 · 177.9%
Interest coverage
367.88▲
2023 · 277.28
Debt ≤ 1 year
€82,831▼
2023 · €105,384
Income taxes
€10,554▼
2023 · €13,835
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,706 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.7%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% 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 497,662 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% | 1.7% |
| 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 75% 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 6,706 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.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,313 | €5,900 | €6,033 | €7,042 | €7,272 | ▲ 3.3% |
| Other operating charges640/8 | - | - | €3,764 | €483 | €1,433 | ▲ 197% |
| Gross operating margin9900 | €27,651 | €59,680 | €87,068 | €66,211 | €54,014 | ▼ 18.4% |
| Operating profit (loss)9901 | €21,863 | €53,779 | €77,272 | €58,686 | €45,309 | ▼ 22.8% |
| Financial income75/76B | - | €2 | €2 | €9 | €74 | ▲ 718% |
| Recurring financial income75 | €20 | €2 | €2 | €9 | €74 | ▲ 718% |
| Non-recurring financial income76B | - | €2 | - | - | - | - |
| Financial charges65/66B | - | €418 | €1,026 | €237 | €143 | ▼ 39.7% |
| Recurring financial charges65 | €396 | €400 | €1,026 | €237 | €143 | ▼ 39.7% |
| Non-recurring financial charges66B | - | €18 | €0 | - | - | - |
| Profit (loss) for the period before taxes9903 | €21,487 | €53,364 | €76,248 | €58,458 | €45,241 | ▼ 22.6% |
| Income taxes67/77 | €5,020 | €12,470 | €16,300 | €13,835 | €10,554 | ▼ 23.7% |
| Profit (loss) for the period9904 | €16,467 | €40,894 | €59,948 | €44,623 | €34,687 | ▼ 22.3% |
| Profit (loss) for the period to be appropriated9905 | €16,467 | €40,894 | €59,948 | €44,623 | €34,687 | ▼ 22.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €151,455 | €184,338 | €146,495 | €131,954 | €103,291 | ▼ 21.7% |
| Fixed assets21/28 | €24,247 | €18,347 | €16,084 | €10,222 | €2,950 | ▼ 71.1% |
| Tangible fixed assets22/27 | €23,947 | €18,047 | €15,784 | €9,922 | €2,650 | ▼ 73.3% |
| Plant, machinery and equipment23 | - | €51 | €3,410 | €3,169 | €1,520 | ▼ 52.0% |
| Furniture and vehicles24 | - | €17,997 | €12,374 | €6,752 | €1,130 | ▼ 83.3% |
| Financial fixed assets28 | €300 | €300 | €300 | €300 | €300 | = |
| Current assets29/58 | €127,207 | €165,991 | €130,411 | €121,733 | €100,341 | ▼ 17.6% |
| Amounts receivable within one year40/41 | €14,913 | €12,284 | €25,833 | €14,016 | €12,675 | ▼ 9.6% |
| Trade receivables40 | - | €11,812 | €25,833 | €14,016 | €11,229 | ▼ 19.9% |
| Other amounts receivable41 | - | €473 | - | - | €1,446 | - |
| Cash at bank and in hand54/58 | €112,168 | €153,268 | €103,621 | €106,629 | €86,397 | ▼ 19.0% |
| Deferred charges and accrued income490/1 | - | €438 | €957 | €1,088 | €1,269 | ▲ 16.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €151,455 | €184,338 | €146,495 | €131,954 | €103,291 | ▼ 21.7% |
| Equity10/15 | €75,133 | €14,860 | €20,460 | €25,083 | €20,460 | ▼ 18.4% |
| Contributions10/11 | - | €13,000 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €60,273 | - | - | €4,623 | - | - |
| Amounts payable17/49 | €76,321 | €169,478 | €126,035 | €106,871 | €82,831 | ▼ 22.5% |
| Amounts payable after more than one year17 | €16,814 | €11,764 | €6,655 | €1,487 | - | - |
| Financial debts170/4 | - | €11,764 | €6,655 | €1,487 | - | - |
| Amounts payable within one year42/48 | €59,507 | €157,714 | €119,380 | €105,384 | €82,831 | ▼ 21.4% |
| Current portion of amounts payable after more than one year42 | - | €5,050 | €9,063 | €5,169 | €1,487 | ▼ 71.2% |
| Financial debts43 | - | €1,241 | - | - | - | - |
| Other loans439 | - | €1,241 | - | - | - | - |
| Trade debts44 | €2,270 | €16,254 | €2,129 | €1,198 | €5,338 | ▲ 346% |
| Suppliers440/4 | - | €16,254 | €2,129 | €1,198 | €5,338 | ▲ 346% |
| Taxes, remuneration and social security45 | - | €21,705 | €31,575 | €31,661 | €10,748 | ▼ 66.1% |
| Taxes450/3 | - | €19,205 | €29,861 | €30,781 | €10,748 | ▼ 65.1% |
| Remuneration and social security454/9 | - | €2,500 | €1,713 | €880 | - | - |
| Other amounts payable47/48 | - | €113,464 | €76,612 | €67,357 | €65,258 | ▼ 3.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,467 | €40,894 | €59,948 | €44,623 | €34,687 | ▼ 22.3% |
| + Depreciation and write-downs630 | €5,313 | €5,900 | €6,033 | €7,042 | €7,272 | ▲ 3.3% |
| Operating cash flow (approximation) | €21,780 | €46,794 | €65,981 | €51,666 | €41,959 | ▼ 18.8% |
| Investment in fixed assets (approximation) | - | €0 | -€3,769 | -€1,180 | €0 | ▲ 100% |
| Change in cash | - | €41,100 | -€49,647 | €3,008 | -€20,232 | ▼ 773% |
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
2025
11-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
31-12
Financial
Highest result since 2018net €59,948 ▲46.6%
Operating result €77,272, net result €59,948, both a record.
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 243 days late
2020
31-12
Financial
Weakest financial yearnet €16,467 ▼14.1%
Net result drops to €16,467, the lowest in the series; recovery starts the following year.
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Brussel · 2 establishment units since 2018
Ground area
6,074 m²
Building footprint
4,797 m²
Volume, LiDAR
90,697 m³
3 parcels, Brussels, Flanders · tallest building 44.0 m, ±8 floors. Linked by address, not a title deed.
227
companies at this address
See who is registered here
2 establishment units
MIRAM
since 20182.277.810.715
MIRAM
since 20222.330.031.258
3 parcels
Flanders
1
(33.3%)
Brussels
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21806F0478/00V005 | Brussels | 3,897 m² | 1 · 2,929 m² | 44.0 m · 8 fl. |
| 21807G0089/00A007 | Brussels | 1,907 m² | 1 · 1,788 m² | 32.0 m · 2 fl. |
| 23322E0606/00C000 | Flanders | 270 m² | 1 · 80 m² | 0.0 m |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 16,911 companies in sector 62100 we hold annual accounts for 8,787. 5,814 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
Founded02-07-2018
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62200Computer consultancy and computer facilities management
E-invoicing
Reachable via Peppol
Peppol ID
0208:0699498276
Also
9925:BE0699498276
Registered
25-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.