PURAM
ActivePURAM has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €312k and a net result of €291k. Equity is growing by ~29.1% per year across the filed fiscal years. Its solvency ranks better than 36% of 19906 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
98
/ 100
Excellent▼ -2 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency96▼-4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.97 against 3.6 in 2023), and 47.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
52.6%
Return on assets
49.2%
Age of the figures
20 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
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 14-07-2025, 17 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
17 d early
2023
2 d early
2022
28 d early
2021
3 d early
2020
8 d early
2019
3 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€312k▼ 39.7%
2023 · €517k
2018: €35k
2019: €118k
2020: €257k
2021: €413k
2022: €504k
2023: €517k
2018 → 2024
Total assets
€592k▼ 15.0%
2023 · €697k
2018: €44k
2019: €204k
2020: €323k
2021: €467k
2022: €556k
2023: €697k
2018 → 2024
Net result
€291k▲ 6.5%
2023 · €273k
2018: €18k
2019: €83k
2020: €139k
2021: €156k
2022: €166k
2023: €273k
2018 → 2024
Working capital
€272k▼ 41.8%
2023 · €468k
2018: €35k
2019: €47k
2020: €194k
2021: €351k
2022: €433k
2023: €468k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€257k-€413k▲ 60.6%€504k▲ 22.0%€517k▲ 2.7%€312k▼ 39.7%
Operating result€181k-€206k▲ 13.7%€215k▲ 4.3%€361k▲ 68.0%€387k▲ 7.3%
Net result€139k-€156k▲ 12.1%€166k▲ 6.4%€273k▲ 64.9%€291k▲ 6.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 7% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €592k
Fixed assets
€39k▼ 20.6%
Current assets
€553k▼ 14.6%
Equity and liabilities €592k
Equity
€312k▼ 39.7%
Debt
€281k▲ 56.0%
The debt ratio rises from 25.8% to 47.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€399k▲
2023 · €372k
Cash flow
€303k▲
2023 · €285k
Solvency
52.6%▼
2023 · 74.2%
Current ratio
1.97▼
2023 · 3.60
Quick ratio
1.97▼
2023 · 3.60
Debt / equity
0.90▲
2023 · 0.35
ROE
93.4%▲
2023 · 52.9%
ROA
49.2%▲
2023 · 39.2%
Interest coverage
976.89▲
2023 · 149.73
Debt
€281k▲
2023 · €180k
Debt ≤ 1 year
€281k▲
2023 · €180k
Income taxes
€101k▲
2023 · €91k
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€697k€592k▼
Fixed assets21/28€49k€39k▼
Intangible fixed assets21€39k€31k▼
Tangible fixed assets22/27€11k€8k▼
Land and buildings22€4k€2k▼
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€5k€3k▼
Current assets29/58€648k€553k▼
Amounts receivable after more than one year29€150k-
Other amounts receivable291€150k-
Amounts receivable within one year40/41-€2k
Trade receivables40-€2k
Current investments50/53€106k€361k▲
Cash at bank and in hand54/58€249k€41k▼
Deferred charges and accrued income490/1€143k€149k▲
Equity and liabilities
Total equity and liabilities10/49€697k€592k▼
Equity10/15€517k€312k▼
Contributions10/11€19k€19k=
Reserves13€499k€293k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€497k€291k▼
Amounts payable17/49€180k€281k▲
Amounts payable within one year42/48€180k€281k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€41k€14k▼
Taxes450/3€41k€14k▼
Other amounts payable47/48€136k€265k▲
Income statement
Code20232024
Non-recurring operating income76A€26k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€708€511▼
Non-recurring operating charges66A-€3k
Gross operating margin9900€373k€403k▲
Operating profit (loss)9901€361k€387k▲
Financial income75/76B€6k€5k▼
Recurring financial income75€6k€5k▼
Financial charges65/66B€2k€408▼
Recurring financial charges65€2k€408▼
Profit (loss) for the period before taxes9903€364k€392k▲
Income taxes67/77€91k€101k▲
Profit (loss) for the period9904€273k€291k▲
Profit (loss) for the period to be appropriated9905€273k€291k▲
Appropriation of the result
Profit (loss) to be appropriated9906€273k€291k▲
Transfer from equity791/2€260k€490k▲
Transfer to equity691/2€273k€291k▲
To other reserves6921€273k€291k▲
Profit to be distributed694/7€260k€490k▲
Return on contributions (dividend)694€260k€490k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €291k ▲6.5%
Operating result €387k, net result €291k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €500kEq €504k ▲22%
5 profitable years in a row build equity to €504k.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 3.95
Current ratio from 1.55 to 3.95; short-term debt falls from €86k to €66k.
31-12
Financial
Equity above €200kEq €257k ▲118%
3 profitable years in a row build equity to €257k.
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
31-12
Financial
Equity above €100kEq €118k ▲235%
2 profitable years in a row build equity to €118k.
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Diepenbeek · 1 establishment unit since 2018
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.
Hovenstraat 443590 DiepenbeekGround area
913 m²
Building footprint
158 m²
Parcel 71402C0010/00L058, Flanders. Linked by address, not a title deed.
1 establishment unit
Puram
since 20182.275.866.161
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71402C0010/00L058 | Flanders | 913 m² | 1 · 158 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
894500PYAP3TUOAKC308
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Of 16,603 companies in sector 86220 we hold annual accounts for 7,960. 6,641 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-05-2018
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.