ALLAN RAMIAH
ActiveALLAN RAMIAH has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €278k. Equity is shrinking by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 12% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency16▼-6
Growth58=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 1.34 in 2024), and 96.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
3.7%
Return on assets
56.1%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 31527 sector peers (2025).
NBB · sector comparisonPosition among 31527 sector peers
Solvency
better than 12%
← weakest
strongest →
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 26-02-2026, 155 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
155 d early
2024
16 d early
2023
64 d early
2022
20 d early
2021
86 d early
2020
57 d early
2019
7 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k=
2024 · €19k
2019: €38k
2020: €118k
2021: €220k
2022: €19k
2023: €19k
2024: €19k
2019 → 2025
Total assets
€497k▲ 29.6%
2024 · €383k
2019: €108k
2020: €206k
2021: €321k
2022: €335k
2023: €369k
2024: €383k
2019 → 2025
Net result
€278k▲ 84.2%
2024 · €151k
2019: €27k
2020: €81k
2021: €103k
2022: €121k
2023: €96k
2024: €151k
2019 → 2025
Working capital
€52k▼ 39.0%
2024 · €86k
2019: €27k
2020: €106k
2021: €210k
2022: €-5k
2023: €121k
2024: €86k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€220k-€19k▼ 91.5%€19k=€19k=€19k=
Operating result€134k-€157k▲ 17.0%€128k▼ 18.1%€197k▲ 53.6%€366k▲ 85.5%
Net result€103k-€121k▲ 18.2%€96k▼ 21.2%€151k▲ 58.1%€278k▲ 84.2%
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 86% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €497k
Fixed assets
€31k▼ 32.3%
Current assets
€466k▲ 38.0%
Equity and liabilities €497k
Equity
€19k=
Debt
€478k▲ 31.2%
The debt ratio rises from 95.1% to 96.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€381k▲
2024 · €211k
Cash flow
€293k▲
2024 · €165k
Solvency
3.7%▼
2024 · 4.9%
Current ratio
1.13▼
2024 · 1.34
Quick ratio
1.13▼
2024 · 1.34
Debt / equity
25.70▲
2024 · 19.60
ROA
56.1%▲
2024 · 39.5%
Interest coverage
72.09▲
2024 · 33.28
Debt
€478k▲
2024 · €365k
Debt ≤ 1 year
€414k▲
2024 · €252k
Debt > 1 year
€65k▼
2024 · €113k
Income taxes
€89k▲
2024 · €47k
A ratio outside any meaningful range has been withheld (balance sheet total €497k, equity €19k).
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€383k€497k▲
Formation expenses20€0€0=
Fixed assets21/28€45k€31k▼
Tangible fixed assets22/27€45k€31k▼
Furniture and vehicles24€33k€20k▼
Other tangible fixed assets26€12k€11k▼
Current assets29/58€338k€466k▲
Amounts receivable after more than one year29€190k€190k=
Other amounts receivable291€190k€190k=
Amounts receivable within one year40/41€72k€206k▲
Trade receivables40€63k€187k▲
Other amounts receivable41€9k€18k▲
Cash at bank and in hand54/58€66k€66k▼
Deferred charges and accrued income490/1€10k€5k▼
Equity and liabilities
Total equity and liabilities10/49€383k€497k▲
Equity10/15€19k€19k=
Contributions10/11€19k€19k=
Amounts payable17/49€365k€478k▲
Amounts payable after more than one year17€113k€65k▼
Financial debts170/4€113k€65k▼
Amounts payable within one year42/48€252k€414k▲
Current portion of amounts payable after more than one year42€50k€48k▼
Financial debts43€1k€2k▲
Credit institutions430/8€1k€2k▲
Trade debts44€17k€8k▼
Suppliers440/4€17k€8k▼
Taxes, remuneration and social security45€32k€77k▲
Taxes450/3€32k€77k▲
Other amounts payable47/48€151k€278k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€15k▲
Other operating charges640/8€507€522▲
Non-recurring operating charges66A€255€606▲
Gross operating margin9900€212k€382k▲
Operating profit (loss)9901€197k€366k▲
Financial income75/76B€7k€7k▲
Recurring financial income75€7k€7k▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€198k€368k▲
Income taxes67/77€47k€89k▲
Profit (loss) for the period9904€151k€278k▲
Profit (loss) for the period to be appropriated9905€151k€278k▲
Appropriation of the result
Profit (loss) to be appropriated9906€151k€278k▲
Profit to be distributed694/7€151k€278k▲
Return on contributions (dividend)694€151k€278k▲
The notes to these accounts (6 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
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €278k ▲84.2%
Operating result €366k, net result €278k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €220k ▲86.3%
3 profitable years in a row build equity to €220k.
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €118k ▲209%
2 profitable years in a row build equity to €118k.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
07-06
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
07-06
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
30-04
State Gazette act
General meeting · Director appointment
Permanent representative · Director resignation
30-04
State Gazette act
General meeting · Director appointment
Permanent representative · Director resignation
Financial milestoneState Gazette actNBB 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, Nivelles · 1 establishment unit since 2019
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.
Rue du Palais 151402 NivellesGround area
1,193 m²
Building footprint
121 m²
Volume, LiDAR
816 m³
Parcel 25099A0183/00S000, Wallonia · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Palais 15, 1402 Nivelles
since 20192.288.432.413
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25099A0183/00S000 | Wallonia | 1,193 m² | 1 · 121 m² | 9.2 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.
Structure & network
Ownership & control
1 partyALLAN RAMIAHBE 0724.925.540
controls
Where this company holds controlthis company sits on their board1
5 locations
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 29,701 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-04-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
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.
Contact details
2 entriesE-mail:allan.ramiah@outlook.be
Phone:+32499567872