RAMANO
ActiveThe computed 12-month bankruptcy probability of RAMANO is 2.6% (moderate). The 2025 annual accounts show equity of €42k and a net result of €24k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 68% of 4575 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency83▲+22
Growth78=
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.15 against 1.26 in 2024; short-term debt: 33.1% and cash: 13.4% of total assets), and 42.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
57.8%
Return on assets
32.5%
Age of the figures
12 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €42k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
182 d late
2022
548 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€42k▲ 128%
2024 · €18k
2022: €17k
2023: €1k
2024: €18k
2022 → 2025
Total assets
€73k▲ 42.3%
2024 · €51k
2022: €53k
2023: €59k
2024: €51k
2022 → 2025
Net result
€24k▲ 35.7%
2024 · €17k
2022: €12k
2023: €-16k
2024: €17k
2022 → 2025
Working capital
€28k▲ 231%
2024 · €8k
2022: €8k
2023: €-10k
2024: €8k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€17k-€1k▼ 93.9%€18k▲ 1,725%€42k▲ 128%
Operating result€16k-€-16k€18k€30k▲ 66.0%
Net result€12k-€-16k€17k€24k▲ 35.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 66% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €73k
Fixed assets
€21k▲ 108%
Current assets
€52k▲ 26.4%
Equity and liabilities €73k
Equity
€42k▲ 128%
Debt
€31k▼ 6.1%
The debt ratio falls from 63.9% to 42.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33k▲
2024 · €19k
Cash flow
€26k▲
2024 · €18k
Solvency
57.8%▲
2024 · 36.1%
Current ratio
2.15▲
2024 · 1.26
Quick ratio
2.15▲
2024 · 1.26
Debt / equity
0.73▼
2024 · 1.77
ROE
56.2%▼
2024 · 94.5%
ROA
32.5%▼
2024 · 34.1%
Interest coverage
312.86▲
2024 · 194.47
Debt
€31k▼
2024 · €33k
Debt ≤ 1 year
€24k▼
2024 · €33k
Income taxes
€7k▲
2024 · €754
Staff costs
€3k▼
2024 · €4k
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€51k€73k▲
Fixed assets21/28€10k€21k▲
Tangible fixed assets22/27€1k€12k▲
Furniture and vehicles24€1k€12k▲
Financial fixed assets28€9k€9k=
Current assets29/58€41k€52k▲
Amounts receivable within one year40/41€27k€39k▲
Trade receivables40€27k€39k▲
Other amounts receivable41€0€250▲
Cash at bank and in hand54/58€15k€10k▼
Deferred charges and accrued income490/1€56€4k▲
Equity and liabilities
Total equity and liabilities10/49€51k€73k▲
Equity10/15€18k€42k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€13k€37k▲
Amounts payable17/49€33k€31k▼
Amounts payable within one year42/48€33k€24k▼
Trade debts44€9k€12k▲
Suppliers440/4€9k€12k▲
Taxes, remuneration and social security45€3k€12k▲
Taxes450/3€2k€11k▲
Remuneration and social security454/9€2k€1k▼
Other amounts payable47/48€20k€126▼
Accrued charges and deferred income492/3-€7k
Income statement
Code20242025
Remuneration, social security and pensions62€4k€3k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€887€3k▲
Gross operating margin9900€23k€36k▲
Operating profit (loss)9901€18k€30k▲
Financial income75/76B€0€33▲
Recurring financial income75€0€33▲
Non-recurring financial income76B€0€33▲
Financial charges65/66B€99€106▲
Recurring financial charges65€99€106▲
Profit (loss) for the period before taxes9903€18k€30k▲
Income taxes67/77€754€7k▲
Profit (loss) for the period9904€17k€24k▲
Profit (loss) for the period to be appropriated9905€17k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€37k▲
Profit (loss) brought forward from the previous period14P€-4k€13k▲
The notes to these accounts (7 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2022net €24k ▲35.7%
Operating result €30k, net result €24k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 182 days late
29-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 548 days late
30-09
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
2023
30-09
Financial
Weakest financial yearnet €-16k ▼234%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Kraainem · 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.
Steenweg op Mechelen 4551950 KraainemGround area
1.2 ha
Building footprint
963 m²
Volume, LiDAR
34,551 m³
2 parcels, Flanders, Wallonia · tallest building 42.8 m, ±14 floors. Linked by address, not a title deed.
1 establishment unit
RAMANO
since 20212.314.404.063
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002C0073/00N009 | Flanders | 1.1 ha | 1 · 865 m² | 42.8 m · 14 fl. |
| 64008A0891/00T002 | Wallonia | 651 m² | 1 · 98 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
L.T. TRANS
BE 1005.663.732
Poperinge · Eq €42k
TRANSPORT RAMAUT
BE 0834.201.978
Oosterzele · Eq €42k
SANGHA TRANSPORT
BE 0776.415.219
Lievegem · Eq €42k
Fetrans
BE 0820.965.636
Tessenderlo · Eq €42k
D&A TRANS
BE 0669.839.834
Ganshoren · Eq €42k
Of 12,606 companies in sector 49410 we hold annual accounts for 8,199. 5,875 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-02-2021
Fiscal year end30-09
Activities, NACEBEL
49410Freight transport by road
52210Service activities incidental to land transportation
52250Logistics services
52290Warehousing and support activities for transportation
53200Other postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.