RAMA-CONSTRUCT
BankruptcySummary
The KBO register records for RAMA-CONSTRUCT the legal situation: open bankruptcy; this is today's state according to the register itself, which carries no start date. The 2022 annual accounts show equity of €108,468 and a net result of -€112,112.
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Open bankruptcy
Source: KBO register
The KBO register records a bankruptcy for this company. If it owes you money, you are not paid automatically: you file your claim yourself.
The procedure
The publication of the judgment is not in our data. Court, date and curator are in RegSol: search by the enterprise number.
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
Deadlines: the judgment sets the last day to file your claim, by law at most thirty days after the judgment, and the day of the first verification report. Both dates are in the publication in the Official Gazette and in RegSol; Checked does not read them yet. A late claim is sometimes still possible, but not without consequences.
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General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help.Creditor guide for this company
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 29-08-2023, 29 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
29 d late
2021
402 d late
2020
33 d early
2019
325 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 181 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Are there other customers at risk in your own list?List enrichment How is the General construction of residential buildings sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2022, full schema
Turnover
€64,636▼ 82.9%
2021 · €377,658
EBIT margin
-170.3%▼ 192.9pp
2021 · 22.6%
Net result
-€112,112
2021 · €85,276
Working capital
€107,026▼ 45.2%
2021 · €195,405
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20182019202020212022
Turnover€60,908-€75,312▲ 23.6%€40,951▼ 45.6%€377,658▲ 822%€64,636▼ 82.9%
Operating result€25,347-€42,822▲ 68.9%€22,410▼ 47.7%€85,405▲ 281%-€110,079
Net result€25,018-€42,812▲ 71.1%€22,362within the sector's middle half▼ 47.8%€85,276within the sector's middle half▲ 281%-€112,112below the sector's middle half
EBIT margin41.6%-56.9%▲ 15.2pp54.7%▼ 2.1pp22.6%▼ 32.1pp-170.3%▼ 192.9pp
Equity€57,731-€100,542▲ 74.2%€122,904within the sector's middle half▲ 22.2%€208,181within the sector's middle half▲ 69.4%€108,468within the sector's middle half▼ 47.9%
Total assets€74,543-€105,646▲ 41.7%€129,858below the sector's middle half▲ 22.9%€240,834within the sector's middle half▲ 85.5%€138,048below the sector's middle half▼ 42.7%
Debt€16,813-€5,104▼ 69.6%€6,954▲ 36.2%€32,654▲ 370%€29,579▼ 9.4%
Working capital€56,907-€99,719▲ 75.2%€122,904within the sector's middle half▲ 23.3%€195,405within the sector's middle half▲ 59.0%€107,026within the sector's middle half▼ 45.2%
Solvency77.4%-95.2%▲ 17.7pp94.6%above the sector's middle half▼ 0.5pp86.4%above the sector's middle half▼ 8.2pp78.6%above the sector's middle half▼ 7.9pp
Current ratio4.38-20.54▲ 16.1518.67above the sector's middle half▼ 1.866.98above the sector's middle half▼ 11.694.62above the sector's middle half▼ 2.37
Return on assets (ROA)33.6%-40.5%▲ 7.0pp17.2%above the sector's middle half▼ 23.3pp35.4%above the sector's middle half▲ 18.2pp-81.2%below the sector's middle half▼ 116.6pp
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2022: a loss of €110,079 after €85,405 in 2021, the lowest result in the available series.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €138,048
Fixed assets
€1,442 ▼ 88.7%
Current assets
€136,605 ▼ 40.1%
Equity and liabilities €138,048
Equity
€108,468 ▼ 47.9%
Debt
€29,579 ▼ 9.4%
Debt's share of the balance-sheet total rises from 13.6% to 21.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€97,143▼
2021 · €96,892
Cash flow
-€99,177▼
2021 · €96,763
Debt to equity
0.27▲
2021 · 0.16
ROE
-103.4%▼
2021 · 41.0%
Interest coverage
-182.18▼
2021 · 752.21
Debt ≤ 1 year
€29,579▼
2021 · €32,654
Income taxes
€1,500
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €60,908 | €75,312 | €40,951 | €377,658 | €64,636 | ▼ 82.9% |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €287,460 | €51,083 | ▼ 82.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,933 | - | €823 | €11,487 | €12,936 | ▲ 12.6% |
| Other operating charges640/8 | - | - | - | €3,691 | €245 | ▼ 93.4% |
| Non-recurring operating charges66A | - | - | - | €1,517 | €134,049 | ▲ 8,736% |
| Gross operating margin9900 | €30,560 | €43,003 | €23,233 | €102,100 | €37,150 | ▼ 63.6% |
| Operating profit (loss)9901 | €25,347 | €42,822 | €22,410 | €85,405 | -€110,079 | ▼ 229% |
| Financial charges65/66B | - | - | - | €129 | €533 | ▲ 314% |
| Recurring financial charges65 | €329 | €10 | €48 | €129 | €533 | ▲ 314% |
| Profit (loss) for the period before taxes9903 | €25,018 | €42,812 | €22,362 | €85,276 | -€110,612 | ▼ 230% |
| Income taxes67/77 | - | - | - | - | €1,500 | - |
| Profit (loss) for the period9904 | €25,018 | €42,812 | €22,362 | €85,276 | -€112,112 | ▼ 231% |
| Profit (loss) for the period to be appropriated9905 | €25,018 | €42,812 | €22,362 | €85,276 | -€112,112 | ▼ 231% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €74,543 | €105,646 | €129,858 | €240,834 | €138,048 | ▼ 42.7% |
| Fixed assets21/28 | €823 | €823 | - | €12,775 | €1,442 | ▼ 88.7% |
| Tangible fixed assets22/27 | €823 | €823 | - | €12,775 | €1,442 | ▼ 88.7% |
| Plant, machinery and equipment23 | - | - | - | - | €1,442 | - |
| Furniture and vehicles24 | - | - | - | €12,775 | - | - |
| Current assets29/58 | €73,720 | €104,823 | €129,858 | €228,059 | €136,605 | ▼ 40.1% |
| Amounts receivable within one year40/41 | €37,691 | €11,871 | €18,614 | €39,396 | €107,698 | ▲ 173% |
| Trade receivables40 | - | - | - | €33,706 | €105,268 | ▲ 212% |
| Other amounts receivable41 | - | - | - | €5,690 | €2,430 | ▼ 57.3% |
| Cash at bank and in hand54/58 | €16,413 | €73,336 | €80,022 | €98,064 | €28,907 | ▼ 70.5% |
| Deferred charges and accrued income490/1 | - | - | - | €90,598 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €74,543 | €105,646 | €129,858 | €240,834 | €138,048 | ▼ 42.7% |
| Equity10/15 | €57,731 | €100,542 | €122,904 | €208,181 | €108,468 | ▼ 47.9% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €18,600 | ▲ 200% |
| Capital10 | - | - | - | €6,200 | €18,600 | ▲ 200% |
| Issued capital100 | - | - | - | €18,600 | €18,600 | = |
| Uncalled capital101 | - | - | - | €12,400 | - | - |
| Profit (loss) carried forward14 | €51,531 | €94,342 | €116,704 | €201,981 | €89,868 | ▼ 55.5% |
| Amounts payable17/49 | €16,813 | €5,104 | €6,954 | €32,654 | €29,579 | ▼ 9.4% |
| Amounts payable within one year42/48 | €16,813 | €5,104 | €6,954 | €32,654 | €29,579 | ▼ 9.4% |
| Financial debts43 | - | - | - | - | €4 | - |
| Credit institutions430/8 | - | - | - | - | €4 | - |
| Trade debts44 | €16,813 | €5,024 | €3,856 | €32,654 | €29,575 | ▼ 9.4% |
| Suppliers440/4 | - | - | - | €32,654 | €29,575 | ▼ 9.4% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €25,018 | €42,812 | €22,362 | €85,276 | -€112,112 | ▼ 231% |
| + Depreciation and write-downs630 | €4,933 | - | €823 | €11,487 | €12,936 | ▲ 12.6% |
| Operating cash flow (approximation) | €29,950 | €42,812 | €23,185 | €96,763 | -€99,177 | ▼ 202% |
| Investment in fixed assets (approximation) | - | €0 | - | - | -€1,603 | - |
| Change in cash | - | €56,923 | €6,686 | €18,043 | -€69,157 | ▼ 483% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2023
06-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 402 days late
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
31-12
Financial
Weakest financial yearnet -€112,112
Net result drops to -€112,112, the lowest in the series.
2021
31-12
Financial
Highest result since 2018net €85,276 ▲281%
Operating result €85,405, net result €85,276, both a record.
31-12
Financial
Equity above €200,000Eq €208,181 ▲69.4%
4 profitable years in a row build equity to €208,181.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
21-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 325 days late
2019
31-12
Financial
Liquidity times 5current ratio 20.54
Current ratio from 4.38 to 20.54; short-term debt falls from €16,813 to €5,104.
31-12
Financial
Equity above €100,000Eq €100,542 ▲74.2%
2 profitable years in a row build equity to €100,542.
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 9 days late
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 374 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Charleroi · 1 establishment unit since 2016
Ground area
115 m²
Building footprint
54 m²
Volume, LiDAR
409 m³
Parcel 52049C0770/00E002, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RAMA-CONSTRUCT
since 20162.250.167.792
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52049C0770/00E002 | Wallonia | 115 m² | 1 · 54 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 29,786 companies in sector 41001 we hold annual accounts for 16,061. 13,073 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded15-02-2016
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0648664536
Registered
30-08-2026
The company is no longer active; its Peppol card can remain until its access point withdraws it.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.