LES RAMIERS
ActiveSummary
LES RAMIERS has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €140k and a net result of €951. Equity is shrinking by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 84% of 688 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+58
Solvency94▼-1
Growth22=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.18 against 0.11 in 2024; short-term debt: 30.5% and cash: 0% of total assets), and 30.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
69.5%
Return on assets
0.5%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
14 d late
2023
64 d late
2022
28 d late
2021
67 d late
2020
31 d late
2019
91 d late
← 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
Turnover
€50k▼ 40.8%
2020 · €85k
2018: €120k
2019: €114k
2020: €85k
2018 → 2021
EBIT margin
198.8%▲ 209.1pp
2020 · -10.2%
2018: 8.1%
2019: 9.7%
2020: -10.2%
2018 → 2021
Net result
€951
2024 · €-12k
2018: €5k
2019: €1k
2020: €-14k
2021: €80k
2022: €-63k
2023: €-15k
2024: €-12k
2018 → 2025
Working capital
€-50k▲ 4.0%
2024 · €-52k
2018: €-81k
2019: €-86k
2020: €-106k
2021: €219k
2022: €-30k
2023: €-45k
2024: €-52k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€50k-
Equity€228k-€165k▼ 27.6%€151k▼ 8.8%€139k▼ 7.8%€140k▲ 0.7%
Operating result€100k-€-56k€-14k▲ 75.6%€-11k▲ 16.7%€1k
Net result€80k-€-63k€-15k▲ 76.9%€-12k▲ 19.3%€951
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 returns to profit in 2025: €1k after a loss of €11k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €201k
Fixed assets
€190k ▼ 0.6%
Current assets
€11k ▲ 76.6%
Equity and liabilities €201k
Equity
€140k ▲ 0.7%
Debt
€61k ▲ 4.6%
The debt ratio rises from 29.7% to 30.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€2k▲
2024 · €-7k
Cash flow
€2k▲
2024 · €-8k
Current ratio
0.18▲
2024 · 0.11
Debt / equity
0.44▲
2024 · 0.42
ROE
0.7%▲
2024 · -8.5%
ROA
0.5%▲
2024 · -6.0%
Interest coverage
20.99▲
2024 · -20.78
Debt ≤ 1 year
€61k▲
2024 · €59k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€198k€201k▲
Fixed assets21/28€192k€190k▼
Tangible fixed assets22/27€192k€190k▼
Furniture and vehicles24€3k€1k▼
Other tangible fixed assets26€189k€189k=
Current assets29/58€6k€11k▲
Amounts receivable within one year40/41€6k€11k▲
Trade receivables40€4k€11k▲
Other amounts receivable41€2k€213▼
Cash at bank and in hand54/58€28€28=
Deferred charges and accrued income490/1€489-
Equity and liabilities
Total equity and liabilities10/49€198k€201k▲
Equity10/15€139k€140k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€24k€24k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€18k€18k=
Profit (loss) carried forward14€53k€54k▲
Amounts payable17/49€59k€61k▲
Amounts payable within one year42/48€59k€61k▲
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Other amounts payable47/48€56k€59k▲
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€11k€11k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€1k▼
Other operating charges640/8€148€128▼
Non-recurring operating charges66A€379€63▼
Gross operating margin9900€-7k€2k▲
Operating profit (loss)9901€-11k€1k▲
Financial charges65/66B€353€104▼
Recurring financial charges65€353€104▼
Profit (loss) for the period before taxes9903€-12k€951▲
Profit (loss) for the period9904€-12k€951▲
Profit (loss) for the period to be appropriated9905€-12k€951▲
Appropriation of the result
Profit (loss) to be appropriated9906€53k€54k▲
Profit (loss) brought forward from the previous period14P€65k€53k▼
The notes to these accounts (3 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €951
Net result €951 after 3 loss-making years.
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 64 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €-63k ▼179%
Net result drops to €-63k, the lowest in the series; recovery starts the following year.
06-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 67 days late
2021
31-12
Financial
Back to profitnet €80k
Net result €80k after one loss-making year.
31-12
Financial
Liquidity times 8current ratio 2.57
Current ratio from 0.31 to 2.57; short-term debt falls from €154k to €140k.
31-12
Financial
Equity above €200kEq €228k ▲43.2%
Equity rises from €159k to €228k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Gerpinnes · 1 establishment unit since 1982
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 de la Chapelle(JON) 146280 GerpinnesGround area
2,231 m²
Building footprint
446 m²
Volume, LiDAR
1,746 m³
2 parcels, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LES RAMIERS
since 19822.020.352.622
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92030C0460/00W000 | Wallonia | 1,663 m² | 1 · 196 m² | - |
| 52033B0255/00G000 | Wallonia | 568 m² | 1 · 250 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
HOTEL BONCELLES
BE 0472.095.634
Charleroi · Eq €140k
OLD FLANDERS
BE 0429.906.770
Middelkerke · Eq €140k
NOX
BE 0736.545.744
Koksijde · Eq €140k
ICV
BE 0666.795.519
Schaarbeek · Eq €140k
A-Stay Pelikaanstraat
BE 0727.908.190
Gent · Eq €139k
Of 2,394 companies in sector 55100 we hold annual accounts for 1,517. 1,085 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-03-1982
Fiscal year end31-12
Activities, NACEBEL
55100Hotels and similar accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 44 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.