Skip to content

RAM

Active
Public limited companyfounded 200520 yrs activeRue Camille Godefroid(BL) 66, 5001 Namur, BelgiumKBO/BCE: BE 0876.540.401
Summary

RAM has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.9m and a net result of €273,397. Equity is growing by ~16.3% per year across the filed fiscal years. Its solvency ranks better than 61% of 16707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
RAMActiveChecked score 97/100
Risk analysis ReportCompare

Overview

Activity
Renting and operating of own or leased non-residential real estate, excluding land
NACE 68203
1 site
Size
€6.7mtotal assets 2025
Equity
€2.9m
Profit
€273,397
Financial health
97 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Holdings
2
Accounts 33 d early2 of 13 deeds read
Why 97- Liquidity: current ratio 12.51, cash €164,225+ Size: total assets €6.7m+ Figures for FY 2025 (filed 01-04-2026)+ Legal form Public limited companyShow the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Better than 73% of its sector peers (NACE 68, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 68+2
equity 43.5% of total assets
Liquidity 53+2
short-term debt 5.0% · cash 2.4%
Profitability 74=
return on assets 4.1%
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% (6,938 companies)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%▲ +2.2% vs 11-2024 01-2025: < 0.1%▲ +6.4% vs 12-2024 02-2025: 0.1%▲ +12.0% vs 01-2025 03-2025: 0.1%▲ +26.8% vs 02-2025 04-2025: < 0.1%▼ -39.4% vs 03-2025 05-2025: < 0.1%● 0.0% vs 04-2025 06-2025: < 0.1%● 0.0% vs 05-2025 07-2025: < 0.1%● 0.0% vs 06-2025 08-2025: < 0.1%● 0.0% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: < 0.1%▲ +2.3% vs 10-2025 12-2025: < 0.1%▲ +2.3% vs 11-2025 01-2026: < 0.1%▲ +6.7% vs 12-2025 02-2026: < 0.1%▲ +4.2% vs 01-2026 03-2026: 0.1%▲ +16.0% vs 02-2026 04-2026: 0.1%▲ +74.1% vs 03-2026highest value 05-2026: < 0.1%▼ -60.4% vs 04-2026lowest value 06-2026: < 0.1%● 0.0% vs 05-2026lowest value 07-2026: < 0.1%● 0.0% 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
  • Size: total assets €6.7m lowers the probability for this profile
  • Liquidity: current ratio 12.51, cash €164,225 raises the probability
  • Figures for FY 2025 (filed 01-04-2026) lowers the probability
  • Legal form Public limited company lowers the probability
Credit up to €280,000 at 30 days acceptable
Liquidity ample (current ratio 12.51 against 11.89 in 2024; short-term debt: 5% and cash: 2.4% of total assets), but 56.5% 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 68, small). Better than this share of them on solvency 62%, liquidity 75%, profitability 81%, growth against the median 73%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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+raises risk○neutral
lowers risk · Size: total assets €6.7m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 12.51, cash €164,225
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 01-04-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Legal form Public limited company
In the bankruptcy model this factor lowers the probability.
KBO
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-03-2026, 33 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
33 d early
2024
37 d early
2023
39 d early
2022
40 d early
2021
36 d early
2020
18 d early
2019
123 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 11 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 24 March (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close04-10-2026 today30-04-2027 deadline
neutral · 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
  1. MiscellaneousShareholding · Capital · Director…
  2. MiscellaneousShareholding · Merger · Director…
  3. Annual accounts filedfiscal year 2025 · micro…

Key points

  • Positive: Among the best 5% on net resultsector median €5,961 · 16,701 companies €273,397 View
  • 2 restructurings since 2025latest: merger with MC DOUR 2 View
  • Positive: Always filed on timeaccounts within the deadline every year 6 years View
  • Positive: 6 profitable years in a rowprofit 2025: €273,397 6 years View

By topic

Financials

Fiscal year
2025
Total assets
€6.7m
Profit
€273,397
Solvency
43.5%
Total assets▲ 4.3%
Net result
20192025
Go to Financials

Timeline

Events
16
Since
2016
Next accounts
by 30-04-2027
  1. 28-05-2026Miscellaneous
  2. 30-03-2026Miscellaneous
  3. 28-03-2026Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Renting and operating of own or leased non-residential…NACE 68203
Founded
07-10-2005
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
7
Purpose
Toute opérations immobilières, agricoles et forestières et notamment la vente, l'achat…
Go to Articles of association

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure