Equity
€145,483 ▲ 11.2%
RAM GROUP has made a profit in every financial year since 2014.
RAM GROUP
Lifetime
12 annual accounts with figures on one time axispeak €294,768 (2023)
€271,468▲ 3.7%
peak €44,103 (2020)
€23,687▼ 18.8%
peak €145,483 (2025)
€145,483▲ 11.2%
€124,341▼ 35.1%
Documentsfilings and deeds
01-06-20261 day late
2025micro format
Debts from €191,536 to €124,341Cash from €6,441 to €4,387
Key points
from the 2025 annual accountsPayment terms
35 days to suppliers
RAM GROUP pays its suppliers 158 days earlier than in 2024. Customers pay 63 days earlier.
Liquidity
2.45 was 1.77 in 2024
Short-term debts fell from €149,004 to €92,752.
Filings
12 annual accounts since 2014
The 2025 accounts came 1 day late. The other nine of the last ten were filed on time.
At the same address
307 companies
Position in the sector
€145,483
More equity than 80% of companies in land transport. Sector median €34,663 · 5,957 companies.
Checked score
69
Healthy
Financially stronger than 55% of micro companies in land transport (NACE 49)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 9,092 companies (NACE 49, micro).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.7%lowest value
01-2025: 0.8%▲ +0.1 percentage points vs 12-2024
02-2025: 0.9%▲ +0.1 percentage points vs 01-2025
03-2025: 0.8%▼ -0.1 percentage points vs 02-2025
04-2025: 0.8%● unchanged vs 03-2025
05-2025: 1.1%▲ +0.3 percentage points vs 04-2025
06-2025: 1.6%▲ +0.5 percentage points vs 05-2025
07-2025: 0.8%▼ -0.8 percentage points vs 06-2025
08-2025: 0.8%● unchanged vs 07-2025
09-2025: 0.8%● unchanged vs 08-2025
10-2025: 0.8%● unchanged vs 09-2025
11-2025: 0.8%● unchanged vs 10-2025
12-2025: 0.8%● unchanged vs 11-2025
01-2026: 0.9%▲ +0.1 percentage points vs 12-2025
02-2026: 0.9%● unchanged vs 01-2026
03-2026: 0.9%● unchanged vs 02-2026
04-2026: 0.9%● unchanged vs 03-2026
05-2026: 0.9%● unchanged vs 04-2026
06-2026: 1.7%▲ +0.8 percentage points vs 05-2026highest value
07-2026: 0.8%▼ -0.9 percentage points vs 06-2026
08-2026: 0.8%● unchanged vs 07-2026
09-2026: 0.8%● unchanged vs 08-2026
10-2026: 0.8%● unchanged vs 09-2026
11-2026: 0.8%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Size: turnover €271,468, total assets €269,824
Sector: Land transport and transport via pipelines (NACE 49)
Liquidity: current ratio 2.45, cash €4,387
lowers risk
Founded in 2012
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 49, micro). It does better than 66% of them on solvency, 34% on liquidity, 72% on profitability and 50% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-10-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as RAM GROUP has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of RAM GROUP itself: 0.8% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for RAM GROUP. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €10,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.45 (1.77 in 2024), above the usual 1.5. Short-term debt is 34.4% and cash 1.6% of total assets. 46.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-10-2025 was due by 31-05-2026 and was filed on 01-06-2026, 1 day late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
1 day late
2024
on the day
2023
on the day
2022
11 days early
2021
22 days early
2020
6 days early
2019
2 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 6 days before the deadline. In the sector (NACE 49), the median for financial year 2024 was on the deadline day, and 49% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 31-10-2026 is due by 31-05-2027. Nothing is late today. The company usually files around 31 May (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
31-10-2026 year end10-11-2026 today31-05-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0501998655
Registered office moved within Brussels
New registered office: Chaussée d'Alsemberg 842, 1180 Bruxelles · Previous registered office: Av. Oscar Van Goidtsnoven 41/ A, 1180 BRUXELLES · General meeting of 26-06-2018 · Gazette deed
First establishment
Alsembergsesteenweg 842, Uccle
Incorporation
published on 27-12-2012 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| RAM GROUP Uccle | €271,468 | 12.3% | 53.9% | - |
| DENIZ TRANS Ghent | - | - | 59.3% | - |
| TOP ROAD Sint-Gillis (bij-Brussel) | €109,081 | 27.3% | 75.9% | - |
| FAYHY Brussels | €262,235 | -8.1% | 28.1% | - |
| LIMO EXPRESS Ixelles | €284,468 | 13.0% | 64.4% | - |
| MTM TRANSIMMO Anderlecht | €286,560 | -24.5% | -12.4% | - |
| BBM & Co Brussels | - | - | 24.0% | - |
Grey: the largest companies of the sector (land transport (NACE 49)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as RAM GROUP: non-scheduled passenger transport by road (NACE 49320). They are comparable in size and age: total assets between €146,000 and €308,000, founded between 2007 and 2016.
Official details
Source: KBO- Status
- Active since 14-12-2012Normal situation
- Registered office
- 308 active companies are registered at this address16 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- Non-scheduled passenger transport by roadNACE 49320and 2 others
- Establishment unit
- 2.214.963.3261180 Uccle, since 21-12-2012
- Financial year end
- 31 October
- Peppol
- Reachable since 09-01-2026
Annual accounts to 31-10-2025
- €269,824▼ 16.3%
- ≈ 0.3 FTEestimated
- Filing
- Filed on 01-06-2026
Insights on RAM GROUP
RAM GROUP has existed since 2012. In 2023 turnover rose from €118,515 to €294,768.
Solvency rose in 2025 from 40.6% to 53.9% because of the retained profit and lower debts.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about RAM GROUP
- What is the company number of RAM GROUP?
- The company number of RAM GROUP is 0501.998.655. The VAT number is the same number with BE in front: BE 0501.998.655.
- Where is RAM GROUP based?
- The registered office is at Alsembergsesteenweg 842, 1180 Uccle.Company details
- What does RAM GROUP do?
- According to the KBO register, the main activity is non-scheduled passenger transport by road (NACE 49320).
- What is the legal form of RAM GROUP?
- RAM GROUP is a private limited company (pre-2019) (BVBA).
- When was RAM GROUP founded?
- RAM GROUP was founded on 14-12-2012.
- Is RAM GROUP still active?
- Yes, RAM GROUP is an active enterprise in the KBO register.
- What is the turnover of RAM GROUP?
- The turnover of RAM GROUP was €271,468 in financial year 2025, according to the filed annual accounts.Financials
- Is RAM GROUP profitable?
- In financial year 2025, RAM GROUP made a profit of €23,687.
- Where can I find the annual accounts of RAM GROUP?
- RAM GROUP filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of RAM GROUP due?
- RAM GROUP must file the annual accounts for financial year 2026 by 31-05-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.