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Generated 04-08-2026
Active BE 0441.060.384Public limited company

RAMABEL

De Bonnestraat 103 ·1080 Sint-Jans-Molenbeek, Belgium· 36 yrs active
Sector: Retail trade (47811)
Conclusion Checked

The computed 12-month bankruptcy probability of RAMABEL is 1.3% (low). The 2023 annual accounts show negative equity (€-51k) and a net result of €55k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 19% of 5698 sector peers (fiscal year 2023). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.
Key figures
Equity €-51k
Net result €55k
Staff (FTE) 1
Better than sector 19%
Snowflake analysis 5 axes · computed by Checked
Health3Profitability0Solvency40Growth78Stability100
44 / 100

Fragile profile, watch profitability in particular.

Health 3
Profitability 0
Solvency 40
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
1.3% Low
0%0,5%1,5%4%10%≥25%
Higher-failure-rate region +Annual accounts: weaker financial profile +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 1990, 36 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2023 · computed
3 / 100 Critical
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 30-08-2024 with the NBB · fiscal year 2023 · micro
€-600k€-400k€-200k€0Operating result 2019: €-12k€-12kNet result 2019: €-426k€-426kOperating result 2020: €4k€4kNet result 2020: €-423k€-423kOperating result 2021: €-6k€-6kNet result 2021: €-6k€-6kOperating result 2023: €-9k€-9kNet result 2023: €55k€55k2019202020212023
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~10.9%/year over 4 fiscal years, indicative, assuming unchanged policy.
€-300k€-200k€-100k€02024: €-147k (€-206k - €-88k)2025: €-116k (€-210k - €-21k)2026: €-84k (€-214k - €46k)2019: €-289k2020: €-286k2021: €-292k2023: €-51k2019202020212023202420252026
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2023 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -15.3% 20.1%
better than 19% of 5698 sector peers
Net result €55k €3k
better than 92% of 5678 sector peers
Equity €-51k €15k
better than 6% of 5705 sector peers
Gross operating margin €21k €23k
better than 48% of 5653 sector peers
Staff costs €23k €33k
higher than 39% of 2539 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-9k
- far below sector median
Net profit
€55k
- +221% vs sector
Cash flow
€55k
- +203% vs sector
Total assets
€335k
+95.0% +202% vs sector
Equity
€-51k
+82.5% far below sector median
Working capital
€-74k
+78.0% far below sector median
Employees (FTE)
1
0.0% 19-23
Staff costs
€23k
+1245.2% 19-23
Debt
€386k
-16.8% far above sector median
Debt ≤ 1y
€386k
-16.8% far above sector median
Current ratio
0.81
+190.4% -91% vs sector
Quick ratio
0.65
+250.6% -92% vs sector
Solvency
-15.3%
+91.0% far below sector median
Debt / equity
-7.52
-374.1% far below sector median
ROE
-107.0%
- far below sector median
ROA
16.4%
- -48% vs sector
Interest coverage
-109.50
- far below sector median
Figures by fiscal year
Fiscal year2023
Revenue-
EBITDA€-9k
Net profit€55k
Cash flow€55k
Staff costs€23k
Income taxes-
Dividends-
Total assets€335k
Equity€-51k
Debt€386k
of which ≤ 1y€386k
of which > 1y-
Working capital€-74k
Employees (FTE)1.0
Ratios (computed)
2023
Current ratio0.81
Quick ratio0.65
Working capital ratio-22.0%
Solvency-15.3%
Debt / equity-7.52
Long-term debt ratio-
Interest coverage-109.50
Gross margin-
Net margin-
ROA16.4%
ROE-107.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€335k
Fixed assets 21/28€22k
Tangible fixed assets 22/27€22k
Financial fixed assets 28€125
Current assets 29/58€312k
Stocks & contracts in progress 3€60k
Amounts receivable within one year 40/41€83k
Cash & bank 54/58€167k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€335k
Equity 10/15€-51k
Contributions / capital 10/11€124k
Reserves 13€12k
Accumulated profits (losses) 14€-188k
Amounts payable 17/49€386k
Amounts payable within one year 42/48€386k
Trade debts payable within one year 44€11k
Income statement
Gross operating margin 9900€21k
Operating result 9901€-9k
Financial income 75€81
Financial charges 65€78
Result before taxes 9903€-9k
Net result for the period 9904€55k
Result to be appropriated 9905€245k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Retail trade(47811)
Legal form Public limited company(014)
Incorporation13-06-1990
StatusActive
Postal code1080
Establishment units 1 location
De Bonnestraat 103, 1080 Sint-Jans-Molenbeek
de groothandel in nieuwe en gebruikte auto's voor personenvervoer, inclusief die voor bijzondere doeleinden(vb ambulances)
since 19902.049.275.844
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21523B0939/00H108 Brussels 185 m² - -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2024
30-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
10-02-2023
State Gazette act Director changes
2022
21-12-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
13-06-2022
State Gazette act Director changes
2021
31-08-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
08-06-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
28-05-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
17-05-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
2017
01-06-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
2016
13-05-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
2015
26-06-2015
NBB filing Annual accounts filed
fiscal year 2014 · volledig
2014
02-06-2014
NBB filing Annual accounts filed
fiscal year 2013 · volledig
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 3 years ago
2023
10-02-2023 El Rahi Jean resigns as director (executive) Director changes
  • El Rahi Jean, Directeur
Technical details 
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      "subkind": null,
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2022
13-06-2022 3 reappointed Director changes
  • Rahi Christopher, Commissaris
  • Rahi Pierre, Commissaris
  • El Rahi Jean, Commissaris
Technical details 
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      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "6"
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      "rep_rotation_new_rep": null,
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    },
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  "notary": {
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      "date": "2022-01-01",
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Detailhandel in motorvoertuigen50103Groothandel in auto's en lichte bestelwagens (= 3,5 ton)45111Groothandel in auto's en lichte bestelwagens (<= 3,5 ton)46711Groothandel in motorvoertuigen50101
Primary activity highlighted.
Names & trade names
Legal nameFR RAMABEL
Registered office
De Bonnestraat 103
1080 Sint-Jans-Molenbeek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative