R.A.M.
The computed 12-month bankruptcy probability of R.A.M. is 5.7% (elevated). The 2020 annual accounts show negative equity (€-11k) and a net result of €-31k. Equity is growing by ~58.8% per year across the filed fiscal years. The company has been active since 1984 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
| Equity | €-11k |
| Net result | €-31k |
| Active | 42 yrs |
| Locations | 1 |
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Fiscal year | 2020 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | - |
| Net profit | €-31k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | €8k |
| Dividends | - |
| Total assets | €29k |
| Equity | €-11k |
| Debt | €40k |
| of which ≤ 1y | €23k |
| of which > 1y | €17k |
| Working capital | €6k |
| Employees (FTE) | - |
| 2020 | |
|---|---|
| Current ratio | 1.26 |
| Quick ratio | 1.26 |
| Working capital ratio | 20.4% |
| Solvency | -37.6% |
| Debt / equity | -1.54 |
| Long-term debt ratio | -1.54 |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | -107.2% |
| ROE | 285.2% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2020 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €29k |
| Current assets | 29/58 | €29k |
| Amounts receivable within one year | 40/41 | €22k |
| Investments | 50/53 | €4k |
| Cash & bank | 54/58 | €4k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €29k |
| Equity | 10/15 | €-11k |
| Reserves | 13 | €2k |
| Accumulated profits (losses) | 14 | €-31k |
| Amounts payable | 17/49 | €40k |
| Amounts payable after one year | 17 | €17k |
| Amounts payable within one year | 42/48 | €23k |
| Trade debts payable within one year | 44 | €392 |
| Income statement | ||
| Gross operating margin | 9900 | €28k |
| Operating result | 9901 | €26k |
| Financial income | 75 | €116 |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €25k |
| Income taxes | 67/77 | €8k |
| Net result for the period | 9904 | €17k |
| Result to be appropriated | 9905 | €17k |
| NACE primary | - |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 12-07-1984 |
| Status | Active |
| Postal code | 2930 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11324D0721/00E005 | Flanders | 493 m² | 1 · 106 m² | 14.4 m · 4 fl. |
| 11002A1370/00E000 | Flanders | 146 m² | 1 · 42 m² | 18.2 m · 6 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
| Legal nameNL | R.A.M. |
- 08-09-2025 Late accounts filing