RAMCO
ActiveRAMCO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-26k) and a net result of €-50k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
24
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability3▼-27
Solvency15▼-19
Growth32=
Track record94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.19 against 0.31 in 2024; short-term debt: 110% and cash: 0.4% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight 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 70
Relative position
BE, all sectors
reference
Sector 70
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-10%
Return on assets
-19.5%
Age of the figures
15 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-26k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-01-2026, 26 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
26 d early
2024
25 d early
2023
27 d early
2022
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-26k
2024 · €24k
2022: €28k
2023: €22k
2024: €24k
2022 → 2025
Total assets
€256k▼ 7.5%
2024 · €277k
2022: €164k
2023: €186k
2024: €277k
2022 → 2025
Net result
€-50k
2024 · €2k
2022: €25k
2023: €-6k
2024: €2k
2022 → 2025
Working capital
€-228k▼ 30.1%
2024 · €-175k
2022: €-93k
2023: €-119k
2024: €-175k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€28k-€22k▼ 21.1%€24k▲ 9.8%€-26k
Operating result€31k-€-6k€62k€4k▼ 93.0%
Net result€25k-€-6k€2k€-50k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 93% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €256k
Fixed assets
€202k▲ 1.3%
Current assets
€54k▼ 30.1%
Key figures and ratios
EBITDA
€17k▼
2024 · €71k
Cash flow
€-38k▼
2024 · €11k
Solvency
-10.0%▼
2024 · 8.8%
Current ratio
0.19▼
2024 · 0.31
Quick ratio
0.19▼
2024 · 0.31
Debt / equity
-11.01▼
2024 · 10.38
ROA
-19.5%▼
2024 · 0.8%
Interest coverage
0.31▼
2024 · 1.19
Debt
€282k▲
2024 · €253k
Debt ≤ 1 year
€282k▲
2024 · €253k
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€277k€256k▼
Fixed assets21/28€199k€202k▲
Tangible fixed assets22/27€199k€202k▲
Land and buildings22€163k€164k▲
Plant, machinery and equipment23€36k€35k▼
Furniture and vehicles24€912€658▼
Other tangible fixed assets26-€2k
Current assets29/58€78k€54k▼
Amounts receivable within one year40/41€15k€47k▲
Trade receivables40€15k€47k▲
Cash at bank and in hand54/58€62k€1k▼
Deferred charges and accrued income490/1€1k€6k▲
Equity and liabilities
Total equity and liabilities10/49€277k€256k▼
Equity10/15€24k€-26k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€21k€-29k▼
Amounts payable17/49€253k€282k▲
Amounts payable within one year42/48€253k€282k▲
Trade debts44€3k€616▼
Suppliers440/4€3k€616▼
Advances received on contracts in progress46-€47k
Taxes, remuneration and social security45€11k€3k▼
Taxes450/3€11k€3k▼
Other amounts payable47/48€239k€231k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€12k▲
Other operating charges640/8€483€530▲
Gross operating margin9900€71k€17k▼
Operating profit (loss)9901€62k€4k▼
Financial charges65/66B€60k€54k▼
Recurring financial charges65€60k€54k▼
Profit (loss) for the period before taxes9903€2k€-50k▼
Income taxes67/77€42-
Profit (loss) for the period9904€2k€-50k▼
Profit (loss) for the period to be appropriated9905€2k€-50k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€-29k▼
Profit (loss) brought forward from the previous period14P€19k€21k▲
The notes to these accounts (5 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
05-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-50k ▼2406%
Net result drops to €-50k, the lowest in the series.
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
04-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Anderlecht · 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.
Bergense Steenweg 1631070 AnderlechtGround area
620 m²
Building footprint
625 m²
Volume, LiDAR
6,037 m³
2 parcels, Brussels · tallest building 19.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
RAMCO
since 20212.315.759.984
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21304B0138/00Z009 | Brussels | 496 m² | 1 · 510 m² | 17.8 m · 3 fl. |
| 21304B0138/00K005 | Brussels | 124 m² | 1 · 115 m² | 19.7 m · 4 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900E0QX6KPZE7H195
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 32,645 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-03-2021
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.