Sarama
ActiveSarama has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €34k. Equity is growing by ~125.5% per year across the filed fiscal years. Its solvency ranks better than 62% of 16377 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability82
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.76 against 4.14 in 2024), and 25.2% 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 · 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 →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
74.8%
Return on assets
47.1%
Age of the figures
8 mo
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 06-05-2026, 86 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
86 d early
2024
70 d early
2023
47 d early
← before the deadline
after the deadline →
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k▲ 169%
2024 · €20k
2023: €4k
2024: €20k
2023 → 2025
Total assets
€72k▲ 184%
2024 · €25k
2023: €5k
2024: €25k
2023 → 2025
Net result
€34k▲ 107%
2024 · €16k
2023: €4k
2024: €16k
2023 → 2025
Working capital
€47k▲ 181%
2024 · €17k
2023: €4k
2024: €17k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€4k-€20k▲ 445%€54k▲ 169%
Operating result€4k-€22k▲ 386%€44k▲ 102%
Net result€4k-€16k▲ 358%€34k▲ 107%
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 two years in a row; 2025 is 102% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €72k
Fixed assets
€8k▲ 138%
Current assets
€64k▲ 191%
Equity and liabilities €72k
Equity
€54k▲ 169%
Debt
€18k▲ 239%
The debt ratio rises from 21.1% to 25.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€46k▲
2024 · €22k
Cash flow
€36k▲
2024 · €17k
Solvency
74.8%▼
2024 · 78.9%
Current ratio
3.76▼
2024 · 4.14
Quick ratio
3.76▼
2024 · 4.14
Debt / equity
0.34▲
2024 · 0.27
ROE
62.9%▼
2024 · 81.7%
ROA
47.1%▼
2024 · 64.4%
Interest coverage
597.16▲
2024 · 476.70
Debt
€18k▲
2024 · €5k
Debt ≤ 1 year
€17k▲
2024 · €5k
Income taxes
€10k▲
2024 · €5k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€25k€72k▲
Fixed assets21/28€3k€8k▲
Tangible fixed assets22/27€3k€8k▲
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24-€5k
Current assets29/58€22k€64k▲
Amounts receivable within one year40/41€31€3k▲
Trade receivables40-€291
Other amounts receivable41€31€3k▲
Cash at bank and in hand54/58€12k€46k▲
Deferred charges and accrued income490/1€10k€15k▲
Equity and liabilities
Total equity and liabilities10/49€25k€72k▲
Equity10/15€20k€54k▲
Contributions10/11€100€100=
Reserves13€20k€53k▲
Distributable reserves133€20k€53k▲
Amounts payable17/49€5k€18k▲
Amounts payable within one year42/48€5k€17k▲
Taxes, remuneration and social security45€5k€17k▲
Taxes450/3€5k€17k▲
Accrued charges and deferred income492/3-€997
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€323€2k▲
Other operating charges640/8€149€422▲
Gross operating margin9900€22k€46k▲
Operating profit (loss)9901€22k€44k▲
Financial income75/76B€1€77▲
Recurring financial income75€1€77▲
Financial charges65/66B€46€76▲
Recurring financial charges65€46€76▲
Profit (loss) for the period before taxes9903€22k€44k▲
Income taxes67/77€5k€10k▲
Profit (loss) for the period9904€16k€34k▲
Profit (loss) for the period to be appropriated9905€16k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€34k▲
Transfer to equity691/2€16k€34k▲
To other reserves6921€16k€34k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €34k ▲107%
Operating result €44k, net result €34k, both a record.
22-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Leuven · 1 establishment unit since 2023
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.
Raadhuislaan 193010 LeuvenGround area
615 m²
Building footprint
182 m²
Volume, LiDAR
1,630 m³
2 parcels, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Mussenstraat 118, 3000 Leuven
since 20232.350.026.621
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24482F0194/00T018 | Flanders | 556 m² | 1 · 123 m² | 11.8 m · 3 fl. |
| 24502B0296/00P037 | Flanders | 59 m² | 1 · 59 m² | 11.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
DR. JULIE DELEERSNYDER
BE 0750.547.101
Izegem · Eq €54k
Dr. Carmen Claeys
BE 0734.993.645
Leuven · Eq €54k
DR MARGOT MEES
BE 0786.526.874
Boortmeerbeek · Eq €53k
DR. KATHLEEN CARNAS
BE 0689.750.865
Herentals · Eq €54k
Cabinet médical du Docteur Ividiu SUCIU
BE 0501.502.272
Sankt Vith · Eq €54k
Of 9,101 companies in sector 86210 we hold annual accounts for 6,324. 4,644 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-09-2023
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.