RAAMCOMFORT
ActiveRAAMCOMFORT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €441k and a net result of €60k. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 22% of 7757 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72=
Solvency47▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.89 against 0.9 in 2024; short-term debt: 21.9% and cash: 11.2% of total assets), and 78.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
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
21.5%
Return on assets
2.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 7757 sector peers (2025).
NBB · sector comparisonPosition among 7757 sector peers
Solvency
better than 22%
← weakest
strongest →
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 28-04-2026, 94 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
94 d early
2024
132 d early
2023
48 d early
2022
84 d early
2021
26 d early
2020
10 d late
2019
95 d early
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€441k▲ 15.6%
2024 · €382k
2018: €118k
2019: €167k
2020: €239k
2021: €328k
2022: €404k
2023: €371k
2024: €382k
2018 → 2025
Total assets
€2.05M▼ 5.7%
2024 · €2.18M
2018: €1.51M
2019: €1.38M
2020: €1.93M
2021: €2.02M
2022: €2.22M
2023: €2.29M
2024: €2.18M
2018 → 2025
Net result
€60k▼ 2.1%
2024 · €61k
2018: €31k
2019: €50k
2020: €71k
2021: €89k
2022: €126k
2023: €17k
2024: €61k
2018 → 2025
Working capital
€-47k▲ 13.2%
2024 · €-55k
2018: €-23k
2019: €42k
2020: €97k
2021: €141k
2022: €110k
2023: €-15k
2024: €-55k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€328k-€404k▲ 23.3%€371k▼ 8.2%€382k▲ 2.9%€441k▲ 15.6%
Operating result€126k-€180k▲ 43.6%€26k▼ 85.8%€103k▲ 300%€101k▼ 1.2%
Net result€89k-€126k▲ 41.6%€17k▼ 86.7%€61k▲ 261%€60k▼ 2.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.05M
Fixed assets
€1.65M▼ 1.9%
Current assets
€401k▼ 18.8%
Equity and liabilities €2.05M
Equity
€441k▲ 15.6%
Debt
€1.61M▼ 10.3%
The debt ratio falls from 82.5% to 78.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€247k▲
2024 · €233k
Cash flow
€205k▲
2024 · €191k
Solvency
21.5%▲
2024 · 17.5%
Current ratio
0.89▼
2024 · 0.90
Quick ratio
0.87▼
2024 · 0.88
Debt / equity
3.65▼
2024 · 4.70
ROE
13.5%▼
2024 · 15.9%
ROA
2.9%▲
2024 · 2.8%
Interest coverage
6.87▲
2024 · 6.02
Debt
€1.61M▼
2024 · €1.80M
Debt ≤ 1 year
€449k▼
2024 · €549k
Debt > 1 year
€1.14M▼
2024 · €1.25M
Income taxes
€29k▼
2024 · €32k
Staff costs
€483k▼
2024 · €516k
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
Balance sheet
Code20242025
Assets
Total assets20/58€2.18M€2.05M▼
Fixed assets21/28€1.68M€1.65M▼
Tangible fixed assets22/27€1.68M€1.65M▼
Land and buildings22€1.01M€980k▼
Plant, machinery and equipment23€4k€4k▼
Furniture and vehicles24€125k€175k▲
Other tangible fixed assets26€546k€492k▼
Current assets29/58€494k€401k▼
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Stocks and contracts in progress3€9k€9k=
Stocks30/36€9k€9k=
Amounts receivable within one year40/41€261k€126k▼
Trade receivables40€237k€118k▼
Other amounts receivable41€23k€8k▼
Cash at bank and in hand54/58€207k€229k▲
Deferred charges and accrued income490/1€17k€36k▲
Equity and liabilities
Total equity and liabilities10/49€2.18M€2.05M▼
Equity10/15€382k€441k▲
Contributions10/11€19k€19k=
Reserves13€363k€423k▲
Distributable reserves133€363k€423k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.80M€1.61M▼
Amounts payable after more than one year17€1.25M€1.14M▼
Financial debts170/4€1.25M€1.14M▼
Amounts payable within one year42/48€549k€449k▼
Current portion of amounts payable after more than one year42€138k€150k▲
Financial debts43€150k€150k=
Credit institutions430/8€150k€150k=
Trade debts44€26k€50k▲
Suppliers440/4€26k€50k▲
Advances received on contracts in progress46€138k€52k▼
Taxes, remuneration and social security45€44k€46k▲
Taxes450/3€24k€22k▼
Remuneration and social security454/9€19k€24k▲
Other amounts payable47/48€53k€0▼
Accrued charges and deferred income492/3€2k€18k▲
Income statement
Code20242025
Non-recurring operating income76A€4k€13k▲
Remuneration, social security and pensions62€516k€483k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€131k€146k▲
Other operating charges640/8€14k€14k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€764k€744k▼
Operating profit (loss)9901€103k€101k▼
Financial income75/76B€29k€23k▼
Recurring financial income75€29k€23k▼
Financial charges65/66B€39k€36k▼
Recurring financial charges65€39k€36k▼
Profit (loss) for the period before taxes9903€93k€88k▼
Income taxes67/77€32k€29k▼
Profit (loss) for the period9904€61k€60k▼
Profit (loss) for the period to be appropriated9905€61k€60k▼
Appropriation of the result
Profit (loss) to be appropriated9906€61k€60k▼
Transfer from equity791/2€50k€0▼
Transfer to equity691/2€61k€60k▼
To other reserves6921€61k€60k▼
Profit to be distributed694/7€50k€0▼
Return on contributions (dividend)694€50k€0▼
Social balance
Average headcount (FTE)90878.38.3=
The notes to these accounts (20 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
21-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €17k ▼86.7%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
08-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €126k ▲41.6%
Operating result €180k, net result €126k, both a record.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 10 days late
2020
31-12
Financial
Equity above €200kEq €239k ▲42.5%
3 profitable years in a row build equity to €239k.
27-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €150kEq €167k ▲42.4%
2 profitable years in a row build equity to €167k.
17-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Hoogstraten · 2 establishment units since 2007
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.
Minderhoutdorp 37 A2322 HoogstratenGround area
5,175 m²
Building footprint
338 m²
Volume, LiDAR
2,169 m³
3 parcels, Flanders · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Raamcomfort
since 20072.163.700.509
Raamcomfort
since 20102.217.848.184
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13452M0072/00D000 | Flanders | 2,699 m² | - | - |
| 13024B0155/00M002 | Flanders | 1,389 m² | 1 · 206 m² | 10.0 m · 2 fl. |
| 13024B0146/00S002 | Flanders | 1,088 m² | 1 · 132 m² | 10.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 4,389 EUR awarded · 3,789 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 4,389 EUR | 3,789 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
All Stores
BE 0841.508.751
Hasselt · Eq €441k
MIKADO BEL
BE 0839.239.644
Brussel · Eq €442k
ALL-JOBS
BE 0434.649.773
Wommelgem · Eq €440k
AFBRAAKWERKEN DEMOFER
BE 0823.703.610
Erpe-Mere · Eq €443k
WOCON
BE 0459.176.719
Londerzeel · Eq €440k
Of 4,097 companies in sector 43240 we hold annual accounts for 1,631. 1,038 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-07-2007
Fiscal year end31-12
Activities, NACEBEL
43240Other construction installation
43299Specialised construction activities
43320Joinery installation
45421
47521Retail sale of hardware, building materials, paint and glass (general range)
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.