Summary
IMMO - RAMA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.62M and a net result of €228k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 57% of 5527 sector peers (fiscal year 2025). The company has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 18-05-2026, 74 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
74 d early
2024
3 d early
2023
41 d early
2022
62 d early
2021
17 d late
2020
102 d early
2019
57 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.62M▲ 16.4%
2024 · €1.39M
2018: €959k
2019: €979k
2020: €943k
2021: €1.00M
2022: €1.07M
2023: €1.29M
2024: €1.39M
2018 → 2025
Net result
€228k▲ 128%
2024 · €100k
2018: €-23k
2019: €20k
2020: €-36k
2021: €62k
2022: €68k
2023: €215k
2024: €100k
2018 → 2025
Total assets
€2.72M▲ 11.9%
2024 · €2.43M
2018: €2.71M
2019: €2.49M
2020: €2.55M
2021: €2.48M
2022: €2.50M
2023: €2.38M
2024: €2.43M
2018 → 2025
Solvency
59.4%▲ 2.3pp
2024 · 57.0%
2018: 35.3%
2019: 39.2%
2020: 36.9%
2021: 40.5%
2022: 42.9%
2023: 54.1%
2024: 57.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.00M-€1.07M▲ 6.8%€1.29M▲ 20.1%€1.39M▲ 7.8%€1.62M▲ 16.4%
Operating result€123k-€141k▲ 14.8%€235k▲ 66.8%€217k▼ 7.9%€375k▲ 73.2%
Net result€62k-€68k▲ 10.2%€215k▲ 217%€100k▼ 53.6%€228k▲ 128%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 73% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.72M
Fixed assets
€1.51M ▼ 5.6%
Current assets
€1.21M ▲ 45.4%
Equity and liabilities €2.72M
Equity
€1.62M ▲ 16.4%
Debt
€1.11M ▲ 5.8%
Debt's share of the balance-sheet total falls from 43.0% to 40.6%. Equity and debt are higher.
Key figures and ratios
ROE
14.1%▲
2024 · 7.2%
ROA
8.4%▲
2024 · 4.1%
Debt ≤ 1 year
€927k▲
2024 · €817k
Debt > 1 year
€177k▼
2024 · €225k
Income taxes
€114k▲
2024 · €48k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.43M€2.72M▲
Fixed assets21/28€1.60M€1.51M▼
Tangible fixed assets22/27€1.23M€1.14M▼
Land and buildings22€1.14M€1.07M▼
Furniture and vehicles24€13k€8k▼
Other tangible fixed assets26€81k€60k▼
Financial fixed assets28€369k€369k=
Current assets29/58€834k€1.21M▲
Amounts receivable within one year40/41€66k€148k▲
Trade receivables40€40k€103k▲
Other amounts receivable41€26k€45k▲
Current investments50/53€433k€712k▲
Cash at bank and in hand54/58€331k€345k▲
Deferred charges and accrued income490/1€4k€7k▲
Equity and liabilities
Total equity and liabilities10/49€2.43M€2.72M▲
Equity10/15€1.39M€1.62M▲
Contributions10/11€19k€19k=
Reserves13€1.37M€1.60M▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€1.37M€1.60M▲
Amounts payable17/49€1.05M€1.11M▲
Amounts payable after more than one year17€225k€177k▼
Financial debts170/4€225k€177k▼
Amounts payable within one year42/48€817k€927k▲
Current portion of amounts payable after more than one year42€50k€49k▼
Trade debts44€33k€29k▼
Suppliers440/4€33k€29k▼
Taxes, remuneration and social security45€12k€36k▲
Taxes450/3€12k€36k▲
Remuneration and social security454/9€300€300=
Other amounts payable47/48€721k€813k▲
Accrued charges and deferred income492/3€3k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€0€193k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€77k€74k▼
Other operating charges640/8€57k€29k▼
Gross operating margin9900€351k€478k▲
Operating profit (loss)9901€217k€375k▲
Financial income75/76B€2k€30k▲
Recurring financial income75€2k€30k▲
Financial charges65/66B€71k€63k▼
Recurring financial charges65€71k€63k▼
Profit (loss) for the period before taxes9903€148k€342k▲
Income taxes67/77€48k€114k▲
Profit (loss) for the period9904€100k€228k▲
Profit (loss) for the period to be appropriated9905€100k€228k▲
Appropriation of the result
Profit (loss) to be appropriated9906€100k€228k▲
Transfer to equity691/2€100k€228k▲
To other reserves6921€100k€228k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (15 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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €228k ▲128%
Operating result €375k, net result €228k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 17 days late
2021
31-12
Financial
Back to profitnet €62k
Net result €62k after one loss-making year.
31-12
Financial
Equity above €1MEq €1.00M ▲6.5%
Equity rises from €943k to €1.00M.
20-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-36k ▼284%
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
Show earlier events
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
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, Maasmechelen · 1 establishment unit since 1986
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.
Scheepstraat(M) 63630 MaasmechelenGround area
7,821 m²
Building footprint
2,191 m²
Volume, LiDAR
12,287 m³
Parcel 73048B1054/00E000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ALURAMA
since 19862.034.464.736
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73048B1054/00E000 | Flanders | 7,821 m² | 1 · 2,191 m² | 7.8 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 11,536 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-1986
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.