RAMA H
ActiveRAMA H has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18k and a net result of €3k. Equity is growing by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 92% of 4622 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (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
Profitability63▲+40
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 5.71 against 3.99 in 2024; short-term debt: 15.3% and cash: 29.1% of total assets), and 15.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
84.7%
Return on assets
13.4%
Age of the figures
9 mo
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
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 8 filingsDeviation from the deadline
2025
31 d late
2024
16 d early
2023
55 d early
2022
42 d early
2021
36 d early
2020
31 d late
2019
92 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€18k▲ 18.9%
2024 · €15k
2018: €7k
2019: €11k
2020: €21k
2021: €13k
2022: €21k
2023: €16k
2024: €15k
2018 → 2025
Total assets
€22k▲ 10.9%
2024 · €19k
2018: €10k
2019: €29k
2020: €28k
2021: €16k
2022: €27k
2023: €24k
2024: €19k
2018 → 2025
Net result
€3k
2024 · €-499
2018: €1k
2019: €5k
2020: €10k
2021: €-8k
2022: €8k
2023: €-6k
2024: €-499
2018 → 2025
Working capital
€16k▲ 27.8%
2024 · €12k
2018: €7k
2019: €11k
2020: €21k
2021: €9k
2022: €17k
2023: €12k
2024: €12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€21k▲ 60.6%€16k▼ 25.9%€15k▼ 3.2%€18k▲ 18.9%
Operating result€-8k-€8k€-5k€-177▲ 96.6%€4k
Net result€-8k-€8k€-6k€-499▲ 91.0%€3k
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: €4k after a loss of €177 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22k
Fixed assets
€3k▼ 15.2%
Current assets
€19k▲ 16.1%
Equity and liabilities €22k
Equity
€18k▲ 18.9%
Debt
€3k▼ 19.0%
The debt ratio falls from 21.0% to 15.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€5k▲
2024 · €307
Cash flow
€3k▲
2024 · €-15
Solvency
84.7%▲
2024 · 79.0%
Current ratio
5.71▲
2024 · 3.99
Quick ratio
5.63▲
2024 · 3.92
Debt / equity
0.18▼
2024 · 0.27
ROE
15.9%▲
2024 · -3.3%
ROA
13.4%▲
2024 · -2.6%
Interest coverage
3.25▲
2024 · 0.95
Debt
€3k▼
2024 · €4k
Debt ≤ 1 year
€3k▼
2024 · €4k
Staff costs
€-63▼
2024 · €19k
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€19k€22k▲
Fixed assets21/28€3k€3k▼
Tangible fixed assets22/27€3k€3k▼
Plant, machinery and equipment23€3k€3k▼
Current assets29/58€16k€19k▲
Stocks and contracts in progress3€256€256=
Stocks30/36€256€256=
Amounts receivable within one year40/41€12k€12k▼
Other amounts receivable41€12k€12k▼
Cash at bank and in hand54/58€4k€6k▲
Deferred charges and accrued income490/1-€732
Equity and liabilities
Total equity and liabilities10/49€19k€22k▲
Equity10/15€15k€18k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€7k€10k▲
Amounts payable17/49€4k€3k▼
Amounts payable within one year42/48€4k€3k▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€3k€1k▼
Taxes450/3€2k€1k▼
Remuneration and social security454/9€499€35▼
Income statement
Code20242025
Remuneration, social security and pensions62€19k€-63▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€484€484=
Other operating charges640/8€148€474▲
Gross operating margin9900€20k€5k▼
Operating profit (loss)9901€-177€4k▲
Financial charges65/66B€321€1k▲
Recurring financial charges65€321€1k▲
Profit (loss) for the period before taxes9903€-499€3k▲
Profit (loss) for the period9904€-499€3k▲
Profit (loss) for the period to be appropriated9905€-499€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€10k▲
Profit (loss) brought forward from the previous period14P€8k€7k▼
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-8k ▼179%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €10k ▲118%
Operating result €10k, net result €10k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 4.11
Current ratio from 1.61 to 4.11; short-term debt falls from €18k to €7k.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Mechelen · 1 establishment unit since 2018
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.
Tervuursesteenweg 1292800 MechelenGround area
110 m²
Building footprint
102 m²
Volume, LiDAR
659 m³
Parcel 12403E0314/00S009, Flanders · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rama H BVBA
since 20182.279.212.067
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12403E0314/00S009 | Flanders | 110 m² | 1 · 102 m² | 12.0 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 21,750 companies in sector 96210 we hold annual accounts for 2,833. 2,369 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded07-06-2018
Fiscal year end31-12
Activities, NACEBEL
96021Hairdressing
96210Hairdressing and barber services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.