Inês Ramos

Active

Private limited companyfounded 20224 yrs activeGodecharlestraat 14, 1050 Elsene, BelgiumKBO/BCE: BE 0789.877.631

Summary

Inês Ramos has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €186,870 and a net result of €42,901. Equity is growing by ~37.7% per year across the filed fiscal years. Its solvency ranks better than 81% of 34931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch Report Compare

Inês RamosActiveChecked score 97/100

Risk analysis Report Compare

Activity

Business and other management consultancy

NACE 70200Business consulting NACE 70220

1 site

Size

€222,485total assets 2025

Equity: €186,870
Profit: €42,901

Turnover not published (abridged schema)

Financial health

97 Excellent Checked score 2025

Bankruptcy chance 12 m: < 0.1%

Structure

Accounts filed 2 d late0 of 1 deed read

Why 97+ Liquidity: current ratio 6.72, cash €216,284+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Equity €186,870 (84.0% of total assets)+ Size: total assets €222,485Show the evidence

Checked score

Score 2025

97 / 100

Excellent

Probability in this band: under 0.55%

Better than 78% of its sector peers (NACE 70, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100+1

equity 84.0% of total assets

Liquidity 97+7

short-term debt 14.8% · cash 97.2%

Profitability 93-7

return on assets 19.3%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (47,477 companies)

Last 19 months 04-2025: < 0.1% 05-2025: < 0.1%● 0.0% vs 04-2025 06-2025: < 0.1%● 0.0% vs 05-2025 07-2025: < 0.1%▼ -6.9% vs 06-2025 08-2025: < 0.1%● 0.0% vs 07-2025 09-2025: < 0.1%▲ +3.7% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%▲ +3.6% vs 11-2025 01-2026: < 0.1%▲ +6.9% vs 12-2025 02-2026: < 0.1%▲ +48.4% vs 01-2026highest value 03-2026: < 0.1%▼ -37.0% vs 02-2026 04-2026: < 0.1%● 0.0% vs 03-2026 05-2026: < 0.1%▼ -17.2% vs 04-2026 06-2026: < 0.1%▼ -4.2% vs 05-2026 07-2026: < 0.1%▼ -4.3% vs 06-2026lowest value 08-2026: < 0.1%● 0.0% vs 07-2026lowest value 09-2026: < 0.1%● 0.0% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value

Liquidity: current ratio 6.72, cash €216,284 lowers the probability
Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
Equity €186,870 (84.0% of total assets) lowers the probability
Size: total assets €222,485 lowers the probability for this profile

Credit up to €18,000 at 30 days acceptable

Liquidity ample (current ratio 6.72 against 3.78 in 2024; short-term debt: 14.8% and cash: 97.2% of total assets), and 16% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 86%, liquidity 91%, profitability 63%, growth against the median 72%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk○neutral

Liquidity: current ratio 6.72, cash €216,284

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Sector Activities of head offices; management consultancy activities (NACE 70)

In the bankruptcy model this factor lowers the probability.

KBO

Equity €186,870 (84.0% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Size: total assets €222,485

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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 · 3 filings

Deviation from the deadline

2025

2 d late

2024

1 d early

2023

1 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average on the deadline day; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 30 January (3 of the last 3 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

30-06-2026 close02-10-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

02-02-26 Annual accounts filedfiscal year 2025 · micro…
30-06-25 Weakest financial yearnet €42,901 ▼34.8%
30-06-25 Equity above €150,000Eq €186,870 ▲29.8%

Key points

Positive: Among the best 19% on solvencysector median 56.1% · 34,931 companies 84.0% View
Total assets 20253 fiscal years filed €222,485 View
Active since 2022founded 23-08-2022 4 years View