Ram & Ram
ActiveRam & Ram has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €26k. Equity is growing by ~44% per year across the filed fiscal years. Its solvency ranks better than 95% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 10.56 against 2.91 in 2024; short-term debt: 8.1% and cash: 20.8% of total assets), and 8.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
91.9%
Return on assets
37.8%
Age of the figures
9 mo
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 23-07-2026, 8 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
8 d early
2024
41 d early
2023
9 d early
2022
46 d early
2021
18 d late
2020
255 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€64k▲ 69.8%
2024 · €38k
2020: €18k
2021: €11k
2022: €18k
2023: €23k
2024: €38k
2020 → 2025
Total assets
€70k▲ 36.3%
2024 · €51k
2020: €53k
2021: €42k
2022: €38k
2023: €37k
2024: €51k
2020 → 2025
Net result
€26k▲ 78.8%
2024 · €15k
2020: €3k
2021: €-7k
2022: €7k
2023: €5k
2024: €15k
2020 → 2025
Working capital
€54k▲ 111%
2024 · €26k
2020: €3k
2021: €-3k
2022: €6k
2023: €13k
2024: €26k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€18k▲ 66.1%€23k▲ 24.8%€38k▲ 64.0%€64k▲ 69.8%
Operating result€-7k-€8k€5k▼ 39.0%€15k▲ 225%€30k▲ 99.4%
Net result€-7k-€7k€5k▼ 37.6%€15k▲ 222%€26k▲ 78.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 99% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€10k▼ 17.9%
Current assets
€60k▲ 53.1%
Equity and liabilities €70k
Equity
€64k▲ 69.8%
Debt
€6k▼ 57.9%
The debt ratio falls from 26.3% to 8.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32k▲
2024 · €17k
Cash flow
€29k▲
2024 · €17k
Solvency
91.9%▲
2024 · 73.7%
Current ratio
10.56▲
2024 · 2.91
Quick ratio
9.52▲
2024 · 2.16
Debt / equity
0.09▼
2024 · 0.36
ROE
41.1%▲
2024 · 39.0%
ROA
37.8%▲
2024 · 28.8%
Interest coverage
202.44▲
2024 · 126.60
Debt
€6k▼
2024 · €13k
Debt ≤ 1 year
€6k▼
2024 · €13k
Income taxes
€3k
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€70k▲
Fixed assets21/28€12k€10k▼
Intangible fixed assets21€7k€5k▼
Tangible fixed assets22/27€2k€2k▼
Furniture and vehicles24€2k€2k▼
Financial fixed assets28€3k€3k=
Current assets29/58€39k€60k▲
Stocks and contracts in progress3€10k€6k▼
Stocks30/36€10k€6k▼
Amounts receivable within one year40/41€18k€39k▲
Other amounts receivable41€18k€39k▲
Cash at bank and in hand54/58€11k€14k▲
Equity and liabilities
Total equity and liabilities10/49€51k€70k▲
Equity10/15€38k€64k▲
Contributions10/11€15k€15k=
Reserves13€23k€49k▲
Distributable reserves133€23k€49k▲
Amounts payable17/49€13k€6k▼
Amounts payable within one year42/48€13k€6k▼
Trade debts44€13k€5k▼
Suppliers440/4€13k€5k▼
Taxes, remuneration and social security45€732€579▼
Taxes450/3€732€579▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€505€811▲
Gross operating margin9900€18k€33k▲
Operating profit (loss)9901€15k€30k▲
Financial charges65/66B€135€157▲
Recurring financial charges65€135€157▲
Profit (loss) for the period before taxes9903€15k€30k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€15k€26k▲
Profit (loss) for the period to be appropriated9905€15k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€26k▲
Transfer to equity691/2€15k€26k▲
To other reserves6921€15k€26k▲
The notes to these accounts (8 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €26k ▲78.8%
Operating result €30k, net result €26k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 10.56
Current ratio from 2.91 to 10.56; short-term debt falls from €13k to €6k.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
12-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 255 days late
2021
31-12
Financial
Weakest financial yearnet €-7k ▼340%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
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, Wuustwezel · 1 establishment unit since 2019
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.
Bosduinstraat 12990 WuustwezelGround area
355 m²
Building footprint
321 m²
Volume, LiDAR
1,773 m³
Parcel 11682G0463/00N000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ram & Ram
since 20192.290.587.692
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11682G0463/00N000 | Flanders | 355 m² | 1 · 321 m² | 6.9 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteWuustwezel2.290.587.692
Similar companies · same sector, comparable size
BROCO
BE 1007.100.322
Antwerpen · Eq €64k
De Blauwe Wind
BE 1009.887.289
Lille · Eq €64k
KASITA ASLAF
BE 0869.728.328
Sint-Jans-Molenbeek · Eq €64k
BALAKA
BE 0456.898.902
Elsene · Eq €64k
EVERT ROBRECHTS
BE 0503.815.030
Heist-op-den-Berg · Eq €64k
Of 10,524 companies in sector 47110 we hold annual accounts for 5,860. 4,669 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2019
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.