RAM 16
ActiveRAM 16 has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €4k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 93% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +16 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▲+40
Solvency100=
Growth58=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 6.4 against 18.61 in 2024), and 10.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
89.3%
Return on assets
7.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 10 filingsDeviation from the deadline
2025
20 d late
2024
20 d early
2023
16 d late
2022
24 d late
2021
27 d late
2020
31 d early
2019
15 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▲ 5.1%
2024 · €49k
2018: €53k
2019: €46k
2020: €45k
2021: €45k
2022: €53k
2023: €51k
2024: €49k
2018 → 2025
Total assets
€58k▲ 13.7%
2024 · €51k
2018: €53k
2019: €60k
2020: €59k
2021: €61k
2022: €58k
2023: €56k
2024: €51k
2018 → 2025
Net result
€4k
2024 · €-207
2018: €-2k
2019: €-7k
2020: €-487
2021: €2k
2022: €9k
2023: €-254
2024: €-207
2018 → 2025
Working capital
€33k▲ 10.5%
2024 · €30k
2018: €30k
2019: €24k
2020: €26k
2021: €28k
2022: €37k
2023: €30k
2024: €30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€53k▲ 17.1%€51k▼ 3.6%€49k▼ 3.8%€52k▲ 5.1%
Operating result€2k-€11k▲ 568%€-155€-104▲ 32.9%€6k
Net result€2k-€9k▲ 494%€-254€-207▲ 18.5%€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €6k after a loss of €104 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58k
Fixed assets
€18k▼ 3.4%
Current assets
€40k▲ 23.9%
Equity and liabilities €58k
Equity
€52k▲ 5.1%
Debt
€6k▲ 260%
The debt ratio rises from 3.4% to 10.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€9k▲
2024 · €3k
Cash flow
€7k▲
2024 · €3k
Solvency
89.3%▼
2024 · 96.6%
Current ratio
6.40▼
2024 · 18.61
Quick ratio
6.40▼
2024 · 18.61
Debt / equity
0.12▲
2024 · 0.03
ROE
8.1%▲
2024 · -0.4%
ROA
7.2%▲
2024 · -0.4%
Interest coverage
91.50▲
2024 · 27.41
Debt
€6k▲
2024 · €2k
Debt ≤ 1 year
€6k▲
2024 · €2k
Income taxes
€2k
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€51k€58k▲
Fixed assets21/28€19k€18k▼
Tangible fixed assets22/27€19k€18k▼
Land and buildings22€14k€13k▼
Furniture and vehicles24€5k€5k▲
Current assets29/58€32k€40k▲
Amounts receivable within one year40/41€14k€7k▼
Trade receivables40€1k€6k▲
Other amounts receivable41€13k€483▼
Cash at bank and in hand54/58€18k€33k▲
Deferred charges and accrued income490/1€174€182▲
Equity and liabilities
Total equity and liabilities10/49€51k€58k▲
Equity10/15€49k€52k▲
Contributions10/11€19k€19k=
Reserves13€7k€11k▲
Distributable reserves133€7k€11k▲
Profit (loss) carried forward14€24k€22k▼
Amounts payable17/49€2k€6k▲
Amounts payable within one year42/48€2k€6k▲
Taxes, remuneration and social security45-€2k
Taxes450/3-€2k
Other amounts payable47/48€2k€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62€-1-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€700€721▲
Gross operating margin9900€4k€10k▲
Operating profit (loss)9901€-104€6k▲
Financial charges65/66B€103€102▼
Recurring financial charges65€103€102▼
Profit (loss) for the period before taxes9903€-207€6k▲
Income taxes67/77-€2k
Profit (loss) for the period9904€-207€4k▲
Profit (loss) for the period to be appropriated9905€-207€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€25k€28k▲
Profit (loss) brought forward from the previous period14P€26k€24k▼
Transfer to equity691/2-€4k
To other reserves6921-€4k
Profit to be distributed694/7€2k€2k▼
Return on contributions (dividend)694€2k€2k▼
The notes to these accounts (6 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 18.61
Current ratio from 7.72 to 18.61; short-term debt falls from €4k to €2k.
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Highest result since 2018net €9k ▲494%
Operating result €11k, net result €9k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 9.71
Current ratio from 2.86 to 9.71; short-term debt falls from €15k to €4k.
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after 3 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Hannut · 1 establishment unit since 1996
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 Meeffe 24280 HannutGround area
683 m²
Building footprint
146 m²
Volume, LiDAR
1,065 m³
Parcel 64020A0620/00A000, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Meeffe 2, 4280 Hannut
since 19962.076.547.690
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64020A0620/00A000 | Wallonia | 683 m² | 1 · 146 m² | 9.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
BLACKSCORPION DAY&NIGHT SHOP
BE 0870.399.311
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AROWS BELGIUM
BE 0428.004.085
Waremme · Eq €52k
WILLIEBOL
BE 0800.784.686
Gent · Eq €52k
Benaturals
BE 0713.909.211
Aarschot · Eq €52k
E. COM-HANDLING
BE 0466.678.282
Tremelo · Eq €52k
Of 12,958 companies in sector 47120 we hold annual accounts for 2,176. 1,499 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-04-1996
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
74142
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
71111Activities of building architects
73300Public relations and communication consultancy
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.