Raman Enterprise
ActiveRaman Enterprise has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40k and a net result of €6k. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 42% of 16426 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+7
Solvency79▲+5
Growth52=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.11 in 2024; short-term debt: 45.8% and cash: 4.5% of total assets), and 45.8% 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+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
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
54.2%
Return on assets
8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
28 d late
2023
2 d early
2022
on the day
2021
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€40k▲ 14.5%
2024 · €35k
2021: €15k
2022: €24k
2023: €34k
2024: €35k
2021 → 2025
Total assets
€74k▲ 3.8%
2024 · €71k
2021: €22k
2022: €36k
2023: €52k
2024: €71k
2021 → 2025
Net result
€6k▲ 273%
2024 · €2k
2021: €12k
2022: €10k
2023: €11k
2024: €2k
2021 → 2025
Working capital
€8k▲ 172%
2024 · €3k
2021: €9k
2022: €12k
2023: €14k
2024: €3k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€24k▲ 62.2%€34k▲ 44.6%€35k▲ 2.2%€40k▲ 14.5%
Operating result€18k-€15k▼ 16.7%€17k▲ 15.4%€4k▼ 77.2%€9k▲ 137%
Net result€12k-€10k▼ 20.2%€11k▲ 15.2%€2k▼ 86.1%€6k▲ 273%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 137% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €74k
Fixed assets
€32k▼ 22.1%
Current assets
€42k▲ 39.6%
Equity and liabilities €74k
Equity
€40k▲ 14.5%
Debt
€34k▼ 6.5%
The debt ratio falls from 50.9% to 45.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€20k▲
2024 · €12k
Cash flow
€16k▲
2024 · €10k
Solvency
54.2%▲
2024 · 49.1%
Current ratio
1.23▲
2024 · 1.11
Quick ratio
0.80▲
2024 · 0.68
Debt / equity
0.85▼
2024 · 1.03
ROE
14.7%▲
2024 · 4.5%
ROA
8.0%▲
2024 · 2.2%
Interest coverage
21.97▲
2024 · 18.14
Debt
€34k▼
2024 · €36k
Debt ≤ 1 year
€34k▲
2024 · €27k
Income taxes
€3k▲
2024 · €2k
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€71k€74k▲
Fixed assets21/28€41k€32k▼
Intangible fixed assets21€7k€6k▼
Tangible fixed assets22/27€34k€26k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€1k€854▼
Leasing and similar rights25€20k€16k▼
Other tangible fixed assets26€6k€5k▼
Current assets29/58€30k€42k▲
Stocks and contracts in progress3€12k€15k▲
Stocks30/36€12k€15k▲
Amounts receivable within one year40/41€14k€23k▲
Trade receivables40€7k€14k▲
Other amounts receivable41€7k€9k▲
Cash at bank and in hand54/58€3k€3k▲
Deferred charges and accrued income490/1€1k€779▼
Equity and liabilities
Total equity and liabilities10/49€71k€74k▲
Equity10/15€35k€40k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€32k€37k▲
Amounts payable17/49€36k€34k▼
Amounts payable after more than one year17€9k-
Financial debts170/4€9k-
Amounts payable within one year42/48€27k€34k▲
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Advances received on contracts in progress46-€350
Taxes, remuneration and social security45€6k€2k▼
Taxes450/3€6k€2k▼
Other amounts payable47/48€11k€18k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€11k▲
Other operating charges640/8€4k€819▼
Gross operating margin9900€16k€21k▲
Operating profit (loss)9901€4k€9k▲
Financial income75/76B€14€114▲
Recurring financial income75€14€114▲
Financial charges65/66B€656€907▲
Recurring financial charges65€656€907▲
Profit (loss) for the period before taxes9903€3k€9k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€2k€6k▲
Profit (loss) for the period to be appropriated9905€2k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€38k▲
Profit (loss) brought forward from the previous period14P€31k€32k▲
Profit to be distributed694/7€833€833=
Return on contributions (dividend)694€833€833=
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €2k ▼86.1%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · 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
1 act for this company is 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, Damme · 1 establishment unit since 2021
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.
Moerkerkebrug 88340 DammeGround area
1,057 m²
Building footprint
192 m²
Volume, LiDAR
1,020 m³
Parcel 31019A0500/00Y000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Raman Ergonomie en Kinesitherapie
since 20212.313.539.872
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31019A0500/00Y000 | Flanders | 1,057 m² | 1 · 192 m² | 9.3 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 3,458 EUR awarded · 3,458 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 248 EUR | 248 EUR |
| 2023 | 1 | 3,210 EUR | 3,210 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,690 companies in sector 86951 we hold annual accounts for 2,137. 1,950 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-01-2021
Fiscal year end31-12
Activities, NACEBEL
86905Human health activities
86951Physiotherapy
47740Retail trade
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.