RAMA-CO
ActiveRAMA-CO has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.05M and a net result of €-203k. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 60% of 13826 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency72▲+13
Growth65=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 0.13 in 2024), and 57.1% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
42.9%
Return on assets
-8.3%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€203k
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 21-07-2026, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
14 d early
2023
13 d early
2022
38 d early
2021
12 d early
2020
3 d early
2019
4 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
10-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€130k▲ 50.2%
2019 · €87k
2018: €96k
2019: €87k
2018 → 2020
EBIT margin
22.0%▲ 7.5pp
2019 · 14.6%
2018: 30.7%
2019: 14.6%
2018 → 2020
Net result
€-203k▲ 70.9%
2024 · €-696k
2018: €129k
2019: €142k
2020: €206k
2021: €186k
2022: €193k
2023: €250k
2024: €-696k
2018 → 2025
Working capital
€95k
2024 · €-1.16M
2018: €-1.92M
2019: €-1.70M
2020: €-1.57M
2021: €-1.54M
2022: €-1.31M
2023: €-966k
2024: €-1.16M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.50M-€1.69M▲ 12.8%€1.94M▲ 14.8%€1.25M▼ 35.8%€1.05M▼ 16.2%
Operating result€-4k-€-7k▼ 103%€66k€7k▼ 89.7%€-245k
Net result€186k-€193k▲ 3.3%€250k▲ 30.0%€-696k€-203k▲ 70.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €245k after €7k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.44M
Fixed assets
€1.99M▼ 20.4%
Current assets
€445k▲ 149%
Equity and liabilities €2.44M
Equity
€1.05M▼ 16.2%
Provisions
€93k▼ 2.2%
Debt
€1.30M▼ 2.9%
The debt ratio rises from 49.9% to 53.3%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-196k▼
2024 · €40k
Cash flow
€-153k▲
2024 · €-663k
Solvency
42.9%▼
2024 · 46.5%
Current ratio
1.27▲
2024 · 0.13
Quick ratio
1.27▲
2024 · 0.13
Debt / equity
1.24▲
2024 · 1.07
ROE
-19.4%▲
2024 · -55.8%
ROA
-8.3%▲
2024 · -25.9%
Interest coverage
-54.87▼
2024 · 16.66
Debt
€1.30M▼
2024 · €1.34M
Debt ≤ 1 year
€349k▼
2024 · €1.34M
Debt > 1 year
€951k▲
2024 · €1k
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€2.68M€2.44M▼
Fixed assets21/28€2.50M€1.99M▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€404k€1.99M▲
Land and buildings22€403k€1.99M▲
Plant, machinery and equipment23€466€487▲
Furniture and vehicles24-€3k
Financial fixed assets28€2.10M-
Current assets29/58€179k€445k▲
Amounts receivable within one year40/41€685€864▲
Trade receivables40€685€339▼
Other amounts receivable41-€525
Cash at bank and in hand54/58€168k€432k▲
Deferred charges and accrued income490/1€10k€12k▲
Equity and liabilities
Total equity and liabilities10/49€2.68M€2.44M▼
Equity10/15€1.25M€1.05M▼
Contributions10/11€704k€704k=
Reserves13€775k€769k▼
Non-distributable reserves130/1€490k€490k=
Other1319€490k€490k=
Tax-exempt reserves132€285k€279k▼
Profit (loss) carried forward14€-231k€-427k▼
Provisions and deferred taxes16€95k€93k▼
Deferred taxes168€95k€93k▼
Amounts payable17/49€1.34M€1.30M▼
Amounts payable after more than one year17€1k€951k▲
Financial debts170/4-€950k
Other amounts payable178/9€1k€1k=
Amounts payable within one year42/48€1.34M€349k▼
Current portion of amounts payable after more than one year42-€50k
Trade debts44€32k€6k▼
Suppliers440/4€32k€6k▼
Taxes, remuneration and social security45€7k€73▼
Taxes450/3€7k€73▼
Other amounts payable47/48€1.30M€293k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€49k▲
Other operating charges640/8€10k€205k▲
Gross operating margin9900€50k€9k▼
Operating profit (loss)9901€7k€-245k▼
Financial income75/76B€604k€44k▼
Recurring financial income75€201k€44k▼
Non-recurring financial income76B€403k-
Financial charges65/66B€1.20M€4k▼
Recurring financial charges65€2k€4k▲
Non-recurring financial charges66B€1.20M-
Profit (loss) for the period before taxes9903€-595k€-205k▲
Transfer from deferred taxes780-€2k
Transfer to deferred taxes680€95k-
Income taxes67/77€6k-
Profit (loss) for the period9904€-696k€-203k▲
Transfer from tax-exempt reserves789-€6k
Transfer to tax-exempt reserves689€285k-
Profit (loss) for the period to be appropriated9905€-982k€-196k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-982k€-427k▲
Profit (loss) brought forward from the previous period14P-€-231k
Transfer from equity791/2€750k-
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
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 10current ratio 1.27
Current ratio from 0.13 to 1.27; short-term debt falls from €1.34M to €349k.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-696k ▼378%
Net result drops to €-696k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €250k ▲30%
Operating result €66k, net result €250k, both a record.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €1MEq €1.11M ▲14.7%
2 profitable years in a row build equity to €1.11M.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-07
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
5 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, Beringen · 1 establishment unit since 2012
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.
Rechtestraat 1323582 BeringenGround area
1,266 m²
Building footprint
289 m²
Volume, LiDAR
1,394 m³
Parcel 71029B1226/00A000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RAMA-CO
since 20122.220.942.187
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71029B1226/00A000 | Flanders | 1,266 m² | 1 · 289 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.
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Of 582 companies in sector 68204 we hold annual accounts for 313. 222 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-12-2012
Fiscal year end31-12
Activities, NACEBEL
68204Real estate activities
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.