Group Ramcom
ActiveGroup Ramcom has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €97k and a net result of €30k. Equity is growing by ~97.7% per year across the filed fiscal years. Its solvency ranks better than 64% of 26057 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
84
/ 100
Excellent▲ +8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+39
Solvency82▲+14
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.49 against 1.35 in 2023), and 51.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
31 d late
2022
29 d late
2021
29 d late
2020
11 d late
2019
44 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€97k▲ 44.2%
2023 · €67k
2018: €-19k
2019: €-7k
2020: €10k
2021: €-3k
2022: €59k
2023: €67k
2018 → 2024
Total assets
€201k▲ 16.7%
2023 · €172k
2018: €83k
2019: €77k
2020: €103k
2021: €84k
2022: €182k
2023: €172k
2018 → 2024
Net result
€30k▲ 265%
2023 · €8k
2018: €3k
2019: €12k
2020: €17k
2021: €-14k
2022: €63k
2023: €8k
2018 → 2024
Working capital
€43k▲ 54.9%
2023 · €28k
2018: €46k
2019: €41k
2020: €45k
2021: €39k
2022: €80k
2023: €28k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€10k-€-3k€59k€67k▲ 13.8%€97k▲ 44.2%
Operating result€21k-€-12k€80k€12k▼ 84.5%€43k▲ 244%
Net result€17k-€-14k€63k€8k▼ 87.0%€30k▲ 265%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 244% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €201k
Fixed assets
€72k▲ 10.9%
Current assets
€129k▲ 20.2%
Equity and liabilities €201k
Equity
€97k▲ 44.2%
Debt
€104k▼ 1.0%
The debt ratio falls from 60.9% to 51.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€50k▲
2023 · €17k
Cash flow
€37k▲
2023 · €12k
Solvency
48.3%▲
2023 · 39.1%
Current ratio
1.49▲
2023 · 1.35
Quick ratio
0.98▲
2023 · 0.79
Debt / equity
1.07▼
2023 · 1.56
ROE
30.7%▲
2023 · 12.1%
ROA
14.8%▲
2023 · 4.7%
Interest coverage
18.16▼
2023 · 26.37
Debt
€104k▼
2023 · €105k
Debt ≤ 1 year
€86k▲
2023 · €80k
Debt > 1 year
€17k▼
2023 · €24k
Income taxes
€11k▲
2023 · €4k
Staff costs
€80k▲
2023 · €25k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€172k€201k▲
Fixed assets21/28€65k€72k▲
Tangible fixed assets22/27€63k€70k▲
Land and buildings22€31k€37k▲
Plant, machinery and equipment23€1k€5k▲
Furniture and vehicles24€26k€24k▼
Other tangible fixed assets26€6k€5k▼
Financial fixed assets28€2k€2k=
Current assets29/58€108k€129k▲
Stocks and contracts in progress3€44k€44k=
Stocks30/36€44k€44k=
Amounts receivable within one year40/41€45k€82k▲
Trade receivables40€28k€71k▲
Other amounts receivable41€17k€11k▼
Cash at bank and in hand54/58€16k€1k▼
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€172k€201k▲
Equity10/15€67k€97k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€49k€79k▲
Amounts payable17/49€105k€104k▼
Amounts payable after more than one year17€24k€17k▼
Financial debts170/4€24k€17k▼
Amounts payable within one year42/48€80k€86k▲
Current portion of amounts payable after more than one year42€7k-
Trade debts44€46k€55k▲
Suppliers440/4€46k€55k▲
Taxes, remuneration and social security45€27k€31k▲
Taxes450/3€23k€18k▼
Remuneration and social security454/9€4k€13k▲
Accrued charges and deferred income492/3€1k-
Income statement
Code20232024
Remuneration, social security and pensions62€25k€80k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€8k▲
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A-€4k
Gross operating margin9900€45k€136k▲
Operating profit (loss)9901€12k€43k▲
Financial income75/76B€138€586▲
Recurring financial income75€138€586▲
Financial charges65/66B€628€3k▲
Recurring financial charges65€628€3k▲
Profit (loss) for the period before taxes9903€12k€40k▲
Income taxes67/77€4k€11k▲
Profit (loss) for the period9904€8k€30k▲
Profit (loss) for the period to be appropriated9905€8k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€49k€79k▲
Profit (loss) brought forward from the previous period14P€41k€49k▲
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
2026
21-08
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 2026-08-01
- Registered-office move, Pastoor Paquaylaan 17, 3550 Heusden-Zolder
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Back to profitnet €63k
Net result €63k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Weakest financial yearnet €-14k ▼179%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
17-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
29-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Heusden-Zolder · 1 establishment unit since 2009
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.
Pastoor Paquaylaan 173550 Heusden-ZolderGround area
417 m²
Building footprint
331 m²
Volume, LiDAR
1,478 m³
Parcel 71025A0073/00Y121, Flanders · tallest building 10.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Group Ramcom
since 20092.181.041.040
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71025A0073/00Y121 | Flanders | 417 m² | 1 · 331 m² | 10.7 m · 1 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
DEBOUDT H.
BE 0445.287.012
Boortmeerbeek · Eq €97k
VAREL SECURITY
BE 0417.906.385
Hasselt · Eq €97k
ESEN TECHNICS
BE 0769.622.249
Heusden-Zolder · Eq €97k
TD-PROJECTS
BE 1003.729.076
Beringen · Eq €97k
ELEKTRO VERHEYE
BE 0757.908.114
Dentergem · Eq €97k
Of 22,728 companies in sector 43211 we hold annual accounts for 10,269. 8,760 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded11-09-2009
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
43214Specialised construction activities
47789Other retail sale of new goods
47400Retail sale of information and communication equipment
47410Retail trade
62020IT consultancy
62200Computer consultancy and computer facilities management
95100Repair and maintenance of computers and communication equipment
95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.