Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 1 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
16 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
CRAM from Liège, company number BE0437876113, closed financial year 2025 with a result of € 12,743 after tax. For that financial year CRAM recorded a gross margin of € 471,733 and equity of € 1.5 million. Compared with financial year 2024, the result moved from € -47,279 to € 12,743. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.
€ 1.5 million
▲ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 12,743
▲ still € 47,279 loss in 2024
Profit after tax over the fiscal year.
€ 16,708
▼ 55% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 1.4 million.
People and assets in 2025
€ 201
▼ 75% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 9.8 million
▲ 27% vs 2024
€ 250,842 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 118,644
▼ 60% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 835
▼ 69% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 340,714 | € 269,279 | € 385,312 | € 471,733 | ▲ 22% |
| Profit after taxes | € 91,285 | € -124,379 | € -47,279 | € 12,743 | ▲ € 60,021 |
| Equity | € 1,646,508 | € 1,522,129 | € 1,474,850 | € 1,487,592 | ▲ 1% |
| Total debts | € 4,137,994 | € 6,987,548 | € 9,536,654 | € 11,550,434 | ▲ 21% |
| Cash | € 335,971 | € 74,119 | € 37,424 | € 16,708 | ▼ 55% |
| Land & buildings | € 3,438,018 | € 3,909,437 | € 4,418,248 | € 4,776,898 | ▲ 8% |
| Retained profit | € 1,516,508 | € 1,392,129 | € 1,344,850 | € 1,357,592 | ▲ 1% |
| Bank debt | € 2,606,961 | € 5,331,870 | € 7,728,333 | € 9,778,901 | ▲ 27% |
| Balance sheet total | € 6,360,734 | € 9,081,480 | € 11,578,877 | € 13,598,043 | ▲ 17% |
Key figures of CRAM, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to CRAM?
What happened at CRAM in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 12,743. filed late Source: NBB ↗
- Marc Simonis became a director. NBB
- New establishment in Liège. KBO
- Start of the company according to the CBE. KBO
In short
From € 91,285 profit in 2022 to € 12,743 profit in 2025.
Paid € 8,293 in corporate taxes since 2022.
Best year ever: 2022, with € 91,285 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind CRAM is Marc Simonis. Marc Simonis is also behind CANELLA HOLDINGS.
Directors
According to the 2025 annual accounts
since 2023
Establishments
Establishment units
Physical locations of this company
Boulevard Piercot 33 box 45
4000 Liège
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 16 companies are registered at this address.
All companies at this address →GESPAC
€ 659,024 revenue · 2025
IMMOGES
PYRAMIDE - EUROPE
CANELLA HOLDINGS same network
€ 21,456 gross margin · 2025
J-R T
€ 54,849 gross margin · 2025
+11 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0437.876.113
- VAT number
- BE 0437.876.113
- Registered office
- Boulevard Piercot 33 bus 45, 4000 Liège
- Names & denominations
- CRAM
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 June 1989
- Peppol
- Active · Active since 19 Sept 2025
- Activities · NACE
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen