Dr. S. Raman
ActiveSummary
The computed 12-month bankruptcy probability of Dr. S. Raman is 3.1% (moderate). The 2025 annual accounts show equity of €307k and a net result of €135k. Equity is growing by ~51.1% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+4
Solvency98▼-2
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 5.87 against 13.61 in 2024; short-term debt: 14.1% and cash: 82.4% of total assets), and 27% 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
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
73%
Return on assets
32.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
31 d early
2024
35 d early
2023
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€307k▲ 78.6%
2024 · €172k
2023: €131k
2024: €172k
2023 → 2025
Total assets
€420k▲ 127%
2024 · €185k
2023: €172k
2024: €185k
2023 → 2025
Net result
€135k▲ 235%
2024 · €40k
2023: €130k
2024: €40k
2023 → 2025
Working capital
€289k▲ 74.0%
2024 · €166k
2023: €122k
2024: €166k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€131k-€172k▲ 30.7%€307k▲ 78.6%
Operating result€167k-€51k▼ 69.4%€176k▲ 243%
Net result€130k-€40k▼ 69.0%€135k▲ 235%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 243% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €420k
Fixed assets
€71k ▲ 1,228%
Current assets
€349k ▲ 94.3%
Equity and liabilities €420k
Equity
€307k ▲ 78.6%
Debt
€113k ▲ 760%
Debt's share of the balance-sheet total rises from 7.1% to 27.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€193k▲
2024 · €56k
Cash flow
€152k▲
2024 · €45k
Current ratio
5.87▼
2024 · 13.61
Debt to equity
0.37▲
2024 · 0.08
ROE
44.0%▲
2024 · 23.5%
ROA
32.1%▲
2024 · 21.8%
Interest coverage
84.70▼
2024 · 724.54
Debt ≤ 1 year
€59k▲
2024 · €13k
Debt > 1 year
€54k
Income taxes
€39k▲
2024 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€185k€420k▲
Fixed assets21/28€5k€71k▲
Tangible fixed assets22/27€5k€71k▲
Furniture and vehicles24€5k€71k▲
Financial fixed assets28€400€400=
Current assets29/58€179k€349k▲
Cash at bank and in hand54/58€158k€346k▲
Deferred charges and accrued income490/1€21k€2k▼
Equity and liabilities
Total equity and liabilities10/49€185k€420k▲
Equity10/15€172k€307k▲
Contributions10/11€3k€3k=
Reserves13€169k€304k▲
Distributable reserves133€169k€304k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€13k€113k▲
Amounts payable after more than one year17-€54k
Financial debts170/4-€54k
Amounts payable within one year42/48€13k€59k▲
Current portion of amounts payable after more than one year42-€17k
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€11k€39k▲
Taxes450/3€11k€39k▲
Other amounts payable47/48€705€2k▲
Income statement
Code20242025
Non-recurring operating income76A-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€17k▲
Other operating charges640/8€281€288▲
Gross operating margin9900€56k€194k▲
Operating profit (loss)9901€51k€176k▲
Financial charges65/66B€77€2k▲
Recurring financial charges65€77€2k▲
Profit (loss) for the period before taxes9903€51k€174k▲
Income taxes67/77€11k€39k▲
Profit (loss) for the period9904€40k€135k▲
Profit (loss) for the period to be appropriated9905€40k€135k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€135k▲
Transfer to equity691/2€40k€135k▲
To other reserves6921€40k€135k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (10 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2023net €135k ▲235%
Operating result €176k, net result €135k, both a record.
30-09
Financial
Equity above €200kEq €307k ▲78.6%
3 profitable years in a row build equity to €307k.
26-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €40k ▼69%
Net result drops to €40k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity triplescurrent ratio 13.61
Current ratio from 3.97 to 13.61; short-term debt falls from €41k to €13k.
30-09
Financial
Equity above €150kEq €172k ▲30.7%
2 profitable years in a row build equity to €172k.
30-04
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, Oosterzele · 2 establishment units since 2022
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.
Geraardsbergse steenweg 2549860 OosterzeleGround area
10.2 ha
Building footprint
1,463 m²
Volume, LiDAR
6,297 m³
3 parcels, Flanders · tallest building 17.6 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Dr. S. Raman
since 20222.341.155.277
Broekstraat 11, 9850 Deinze
since 20262.383.481.030
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41302C1191/00S000 | Flanders | 8.0 ha | 1 · 1,006 m² | 6.5 m · 1 fl. |
| 44052C0682/00C000 | Flanders | 1.6 ha | 1 · 218 m² | 17.6 m · 2 fl. |
| 44044B1608/00C000 | Flanders | 6,846 m² | 1 · 239 m² | 10.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2022
Fiscal year end30-09
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.