RamaC
ActiveRamaC has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €216k and a net result of €3k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 46% of 8578 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability6▼-31
Solvency61▲+3
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity short (current ratio 0.53 against 0.68 in 2024), and 51.5% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
48.5%
Return on assets
0.6%
Age of the figures
8 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
237 d late
2023
61 d late
2022
4 d early
2021
6 d early
2020
25 d late
2019
31 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€216k▲ 1.3%
2024 · €213k
2018: €119k
2019: €138k
2020: €161k
2021: €178k
2022: €191k
2023: €197k
2024: €213k
2018 → 2025
Total assets
€446k▼ 9.8%
2024 · €494k
2018: €222k
2019: €294k
2020: €326k
2021: €310k
2022: €304k
2023: €487k
2024: €494k
2018 → 2025
Net result
€3k▼ 82.6%
2024 · €16k
2018: €31k
2019: €20k
2020: €23k
2021: €17k
2022: €13k
2023: €7k
2024: €16k
2018 → 2025
Working capital
€-30k▼ 15.8%
2024 · €-26k
2018: €-68k
2019: €-76k
2020: €-25k
2021: €-39k
2022: €-41k
2023: €-63k
2024: €-26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€178k-€191k▲ 7.1%€197k▲ 3.4%€213k▲ 8.1%€216k▲ 1.3%
Operating result€28k-€22k▼ 23.1%€19k▼ 12.0%€46k▲ 141%€20k▼ 57.1%
Net result€17k-€13k▼ 24.2%€7k▼ 48.8%€16k▲ 145%€3k▼ 82.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 57% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €446k
Fixed assets
€412k▼ 6.3%
Current assets
€34k▼ 38.1%
Equity and liabilities €446k
Equity
€216k▲ 1.3%
Debt
€230k▼ 18.3%
The debt ratio falls from 56.9% to 51.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€48k▼
2024 · €74k
Cash flow
€31k▼
2024 · €44k
Solvency
48.5%▲
2024 · 43.1%
Current ratio
0.53▼
2024 · 0.68
Quick ratio
0.53▼
2024 · 0.68
Debt / equity
1.06▼
2024 · 1.32
ROE
1.3%▼
2024 · 7.5%
ROA
0.6%▼
2024 · 3.2%
Interest coverage
3.15▼
2024 · 4.23
Debt
€230k▼
2024 · €281k
Debt ≤ 1 year
€63k▼
2024 · €80k
Debt > 1 year
€166k▼
2024 · €201k
Income taxes
€2k▼
2024 · €13k
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€494k€446k▼
Fixed assets21/28€440k€412k▼
Tangible fixed assets22/27€153k€125k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€957€123▼
Leasing and similar rights25€149k€123k▼
Financial fixed assets28€287k€287k=
Current assets29/58€54k€34k▼
Amounts receivable within one year40/41€51k€30k▼
Trade receivables40€33k€30k▼
Other amounts receivable41€19k-
Cash at bank and in hand54/58€122€423▲
Deferred charges and accrued income490/1€3k€3k=
Equity and liabilities
Total equity and liabilities10/49€494k€446k▼
Equity10/15€213k€216k▲
Contributions10/11€19k€19k=
Reserves13€195k€197k▲
Distributable reserves133€195k€197k▲
Amounts payable17/49€281k€230k▼
Amounts payable after more than one year17€201k€166k▼
Financial debts170/4€201k€166k▼
Amounts payable within one year42/48€80k€63k▼
Current portion of amounts payable after more than one year42€37k€40k▲
Financial debts43€143€4k▲
Credit institutions430/8€143€4k▲
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€29k€16k▼
Taxes450/3€29k€16k▼
Other amounts payable47/48€9k-
Income statement
Code20242025
Non-recurring operating income76A€724-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€15k€559▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€91k€51k▼
Operating profit (loss)9901€46k€20k▼
Financial charges65/66B€17k€15k▼
Recurring financial charges65€17k€15k▼
Profit (loss) for the period before taxes9903€29k€5k▼
Income taxes67/77€13k€2k▼
Profit (loss) for the period9904€16k€3k▼
Profit (loss) for the period to be appropriated9905€16k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€3k▼
Transfer to equity691/2€16k€3k▼
To other reserves6921€16k€3k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 237 days late
2025
31-12
Financial
Weakest financial yearnet €3k ▼82.6%
Net result drops to €3k, the lowest in the series.
2024
31-12
Financial
Equity above €200kEq €213k ▲8.1%
7 profitable years in a row build equity to €213k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 25 days late
2020
31-12
Financial
Equity above €150kEq €161k ▲16.5%
3 profitable years in a row build equity to €161k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
RAMAEKERS Christian Ghislain Joseph
CurrentDirector · since 06-12-2023
06-12-2023
Resigned as Director
06-12-2023
Appointed as Director
Location & real-estate footprint
Registered office, Tongeren-Borgloon · 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.
Veestraat 93840 Tongeren-BorgloonGround area
2,282 m²
Building footprint
264 m²
Volume, LiDAR
929 m³
Parcel 73031B0686/00C002, Flanders · tallest building 9.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
RamaC
since 20122.206.697.837
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73031B0686/00C002 | Flanders | 2,282 m² | 1 · 264 m² | 9.0 m · 1 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.
Similar companies · same sector, comparable size
CN MANAGEMENT
BE 0779.925.035
Brussel · Eq €216k
CCW CONSULTING
BE 0734.469.350
Seraing · Eq €216k
P.I.M.S.
BE 0441.460.955
Lier · Eq €216k
INVICTIS
BE 0829.098.392
Kraainem · Eq €216k
LS INVEST
BE 0478.549.005
Enghien · Eq €216k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,393. 39,405 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-01-2012
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
18130Pre-press and pre-media services
25530Machining of metals
28420Manufacture of machinery and equipment not elsewhere classified
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.