Tel-Raam
ActiveTel-Raam has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50k and a net result of €11k. Equity is growing by ~18% per year across the filed fiscal years. Its solvency ranks better than 70% of 198 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=
Solvency99=
Growth78=
Stability100
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 2.64 against 2.79 in 2024), and 37.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 13
Relative position
BE, all sectors
reference
Sector 13
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 2025Solvency, return and age of the figures
Solvency
62.8%
Return on assets
13.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
1 d early
2022
5 d early
2021
3 d early
2020
11 d late
2019
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€50k▲ 21.9%
2024 · €41k
2019: €12k
2020: €24k
2021: €24k
2022: €32k
2023: €32k
2024: €41k
2019 → 2025
Total assets
€79k▲ 21.9%
2024 · €65k
2019: €47k
2020: €62k
2021: €58k
2022: €60k
2023: €57k
2024: €65k
2019 → 2025
Net result
€11k▲ 8.1%
2024 · €10k
2019: €6k
2020: €2k
2021: €2k
2022: €9k
2023: €2k
2024: €10k
2019 → 2025
Working capital
€48k▲ 19.6%
2024 · €40k
2019: €7k
2020: €20k
2021: €20k
2022: €27k
2023: €31k
2024: €40k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€32k▲ 31.1%€32k▲ 1.8%€41k▲ 25.1%€50k▲ 21.9%
Operating result€3k-€13k▲ 308%€3k▼ 75.8%€15k▲ 370%€15k▲ 2.5%
Net result€2k-€9k▲ 418%€2k▼ 76.2%€10k▲ 352%€11k▲ 8.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €79k
Fixed assets
€1k▼ 26.3%
Current assets
€78k▲ 23.3%
Equity and liabilities €79k
Equity
€50k▲ 21.9%
Debt
€29k▲ 21.7%
The debt ratio stays at 37.2%.
Key figures and ratios
EBITDA
€16k▲
2024 · €16k
Cash flow
€11k▲
2024 · €10k
Solvency
62.8%▲
2024 · 62.8%
Current ratio
2.64▼
2024 · 2.79
Quick ratio
2.53▼
2024 · 2.69
Debt / equity
0.59▼
2024 · 0.59
ROE
21.4%▼
2024 · 24.2%
ROA
13.5%▼
2024 · 15.2%
Interest coverage
15.02▲
2024 · 12.22
Debt
€29k▲
2024 · €24k
Debt ≤ 1 year
€29k▲
2024 · €23k
Income taxes
€4k▼
2024 · €4k
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€65k€79k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€1k€707▼
Plant, machinery and equipment23€1k€707▼
Financial fixed assets28€645€645=
Current assets29/58€63k€78k▲
Stocks and contracts in progress3€2k€3k▲
Stocks30/36€2k€3k▲
Amounts receivable within one year40/41€10k€13k▲
Trade receivables40€10k€13k▲
Other amounts receivable41-€70
Current investments50/53€20k€20k=
Cash at bank and in hand54/58€30k€39k▲
Deferred charges and accrued income490/1€750€2k▲
Equity and liabilities
Total equity and liabilities10/49€65k€79k▲
Equity10/15€41k€50k▲
Contributions10/11€19k€19k=
Reserves13€22k€31k▲
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Distributable reserves133€21k€30k▲
Amounts payable17/49€24k€29k▲
Amounts payable within one year42/48€23k€29k▲
Trade debts44€5k€8k▲
Suppliers440/4€5k€8k▲
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€14k€17k▲
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€539€483▼
Other operating charges640/8€597€543▼
Gross operating margin9900€16k€17k▲
Operating profit (loss)9901€15k€15k▲
Financial income75/76B€158€263▲
Recurring financial income75€158€263▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€14k€15k▲
Income taxes67/77€4k€4k▼
Profit (loss) for the period9904€10k€11k▲
Profit (loss) for the period to be appropriated9905€10k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€11k▲
Transfer to equity691/2€8k€9k▲
To other reserves6921€8k€9k▲
Profit to be distributed694/7€2k€2k▲
Return on contributions (dividend)694€2k€2k▲
The notes to these accounts (7 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €11k ▲8.1%
Operating result €15k, net result €11k, both a record.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
11-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
30-06
Financial
Weakest financial yearnet €2k ▼74.8%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
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.
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, Haacht · 1 establishment unit since 2017
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.
Moorter 223150 HaachtGround area
933 m²
Building footprint
131 m²
Volume, LiDAR
722 m³
Parcel 24033D0261/00G000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Moorter 22, 3150 Haacht
since 20172.271.471.665
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24033D0261/00G000 | Flanders | 933 m² | 1 · 131 m² | 8.7 m · 2 fl. |
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.
Similar companies · same sector, comparable size
Inter Home Market
BE 0505.719.396
Antwerpen · Eq €50k
Coopérative d'impression textile
BE 0783.255.402
Liège · Eq €51k
TextilColor Belgium
BE 0742.747.014
Wemmel · Eq €48k
CVG
BE 0547.986.058
Awans · Eq €47k
VCM Group
BE 0713.706.303
Wuustwezel · Eq €46k
Of 756 companies in sector 13300 we hold annual accounts for 160. 114 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-11-2017
Fiscal year end30-06
Activities, NACEBEL
13300Finishing of textiles
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.