Financials
- Fiscal year
- 2025
- Total assets
- €226,738
- Profit
- €25,105
- Solvency
- 60.2%
Total assets▲ 17.5%
Net result
20182025
RAMD'AM
ActiveSummary
RAMD'AM has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €136,461 and a net result of €25,105. Equity is growing by ~20.2% per year across the filed fiscal years. Its solvency ranks better than 72% of 20110 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Activity
Retail sale of other cultural and recreation goods
NACE 47690NACE 47630Retail sale of other second-hand goods, excluding clothing NACE 47793
1 site
Size
€226,738total assets 2025
- Staff
- 6 FTE
- Equity
- €136,461
- Profit
- €25,105
Structure
Accounts 8 d early0 of 5 deeds read
Why 89- 1 change of registered office in 24 months- Size: total assets €226,738+ Liquidity: current ratio 2.87, cash €61,264+ Figures for FY 2025 (filed 23-07-2026)Show the evidence
Checked score
Score 2025
89
/ 100
Excellent
Probability in this band: under 0.55%
Better than 73% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
85-4
equity 60.2% of total assets
Liquidity
75+11
short-term debt 24.4% · cash 27.0%
Profitability
83-9
return on assets 11.1%
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 15 months
08-2025: 1.0%highest value
09-2025: 0.3%▼ -66.1% vs 08-2025
10-2025: 0.3%● 0.0% vs 09-2025
11-2025: 0.3%● 0.0% vs 10-2025
12-2025: 0.3%● 0.0% vs 11-2025
01-2026: 0.3%● 0.0% vs 12-2025
02-2026: 0.3%● 0.0% vs 01-2026
03-2026: 0.3%● 0.0% vs 02-2026
04-2026: 0.4%▲ +16.3% vs 03-2026
05-2026: 0.5%▲ +20.9% vs 04-2026
06-2026: 0.5%▼ -1.3% vs 05-2026
07-2026: 0.5%▲ +7.1% vs 06-2026
08-2026: 0.3%▼ -33.7% vs 07-2026
09-2026: 0.3%▼ -13.4% vs 08-2026lowest value
10-2026: 0.3%● 0.0% vs 09-2026lowest value
- Liquidity: current ratio 2.87, cash €61,264 lowers the probability
- 1 change of registered office in 24 months raises the probability
- Size: total assets €226,738 raises the probability for this profile
- Figures for FY 2025 (filed 23-07-2026) lowers the probability
Credit up to €12,000 at 30 days acceptable
Liquidity ample (current ratio 2.87 against 2.12 in 2024; short-term debt: 24.4% and cash: 27% of total assets), and 39.8% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 73%, liquidity 80%, profitability 76%, growth against the median 63%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 23-07-2026, 8 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
8 d early
2024
on the day
2023
37 d early
2022
26 d early
2021
27 d early
2020
36 d early
2019
24 d late
← 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 16 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 5 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Highest result since 2018net €35,307 ▲48.9%
Key points
By topic
Timeline
- Events
- 12
- Since
- 2018
- Next accounts
- by 31-07-2027
- 23-07-2026Annual accounts filed
- 31-07-2025Annual accounts filed
- 31-12-2024Highest result since 2018
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail sale of other cultural and recreation goodsNACE 47690
- Founded
- 22-03-2016
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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