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RAMACKERS TOITURES

Active
Private limited companyfounded 196858 years activeRue Baille-Colleye 41, 4020 Liège, BelgiumKBO/BCE: BE 0403.915.621
Summary

RAMACKERS TOITURES has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €166,285 and a net result of -€68,011. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 36% of 33,994 sector peers (NACE 43, fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Overview

Activity
Roofing work
NACE 43410
1 site
Size
€478,726total assets 2025
Staff
8.2 FTE
Equity
€166,285
Loss
-€68,011
Turnover not published (abridged schema)
Financial health
64 Healthy Checked score 2025
Bankruptcy probability, 12 months
1.0%
Structure
Accounts filed 21 days late0 of 5 deeds read
Why 64- Loss of €68,011 (FY 2025)- Sector Specialised construction activities (NACE 43)- Liquidity: current ratio 1.35, cash €25,501, halved+ Size: total assets €478,726Show the evidence

Checked score

Score 2025
64 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 18% of its sector peers (NACE 43, micro)
Financial strength · tick = 2024
Weak
Solvency 60-1
equity 34.7% of total assets
Liquidity 25-14
short-term debt 60.3% · cash 5.3%
Profitability 1-79
return on assets -14.2%
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,513 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.3%▲ +0.1 percentage points vs 04-2025 06-2025: 0.3%● unchanged vs 05-2025 07-2025: 0.4%▲ +0.1 percentage points vs 06-2025 08-2025: 0.7%▲ +0.3 percentage points vs 07-2025 09-2025: 0.1%▼ -0.6 percentage points vs 08-2025lowest value 10-2025: 0.1%● unchanged vs 09-2025lowest value 11-2025: 0.1%● unchanged vs 10-2025lowest value 12-2025: 0.1%● unchanged vs 11-2025lowest value 01-2026: 0.1%● unchanged vs 12-2025lowest value 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.2%▲ +0.1 percentage points vs 07-2026 09-2026: 1.0%▲ +0.8 percentage points vs 08-2026highest value 10-2026: 1.0%● unchanged vs 09-2026highest value
Credit up to €10,000 at 30 days acceptable
Liquidity tight (current ratio 1.35 against 1.47 in 2024; short-term debt: 60.3% and cash: 5.3% of total assets), and 65.3% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 37% on solvency, 15% on liquidity, 9% on profitability and 14% on growth.

The bankruptcy probability was computed on 06-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
−lowers risk+raises risk○neutral
raises risk · Loss of €68,011 (FY 2025)
NBB · annual accounts
raises risk · Sector Specialised construction activities (NACE 43)
KBO
lowers risk · Size: total assets €478,726
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 1.35, cash €25,501, halved
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 filings
Deviation from the deadline
2025
21 days late
2024
14 days late
2023
30 days early
2022
7 days early
2021
5 days early
2020
3 days early
2019
2 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 2 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 26 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
07-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Incorporation · Founding capitalBank account · Name clause
  3. Incorporation · Founding capitalBank account · Other statement

Key points

  • Caution: From profit to loss in 2025after €56,610 in 2024 -€68,011 View
  • Caution: Among the weakest 5% on net resultsector median €10,145 · 33,982 companies -€68,011 View
  • Active since 1968founded 01-01-1968 58 years View

By topic

Financials

Fiscal year
2025
Total assets
€478,726
Loss
-€68,011
Solvency
34.7%
Total assets▼ 26.6%
Net result
20182025
Go to Financials

Timeline

Events
18
Since
2017
Next accounts
by 31-07-2027
  1. 31-12-2025Weakest financial year
  2. 14-08-2025Annual accounts filed
  3. 31-12-2024Highest result since 2018
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Roofing workNACE 43410
Founded
01-01-1968
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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