Rameis
ActiveRameis has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-1.40M) and a net result of €-402k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 293 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency40▼-1
Growth32=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.82 against 0.86 in 2024), 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 42
Relative position
BE, all sectors
reference
Sector 42
higher
← fewer bankruptcies
more bankruptcies →
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
-22.2%
Return on assets
-6.4%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€1.4M
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 05-07-2026, 26 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
26 d early
2024
2 d early
2023
on the day
2022
4 d early
2021
11 d late
2020
122 d late
2019
9 d early
← 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
08-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-402k▲ 57.3%
2024 · €-943k
2018: €-246k
2019: €-573k
2020: €468k
2021: €552k
2022: €-73k
2023: €-445k
2024: €-943k
2018 → 2025
Working capital
€-1.40M▼ 40.3%
2024 · €-995k
2018: €4.53M
2019: €3.95M
2020: €5.73M
2021: €460k
2022: €405k
2023: €-66k
2024: €-995k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€466k-€393k▼ 15.7%€-52k€-995k▼ 1,801%€-1.40M▼ 40.4%
Operating result€693k-€59k▼ 91.5%€-171k€-728k▼ 325%€-122k▲ 83.3%
Net result€552k-€-73k€-445k▼ 509%€-943k▼ 112%€-402k▲ 57.3%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €122k in 2025 against €728k in 2024; the loss shrinks.
Key figures and ratios
Solvency
-22.2%▼
2024 · -15.8%
Current ratio
0.82▼
2024 · 0.86
Quick ratio
0.01▼
2024 · 0.01
Debt / equity
-5.51▲
2024 · -7.33
ROE
28.8%▼
2024 · 94.7%
ROA
-6.4%▲
2024 · -15.0%
Debt
€7.70M▲
2024 · €7.30M
Debt ≤ 1 year
€7.69M▲
2024 · €7.30M
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€6.30M€6.30M▼
Current assets29/58€6.30M€6.30M▼
Stocks and contracts in progress3€6.20M€6.22M▲
Stocks30/36€6.20M€6.22M▲
Amounts receivable within one year40/41€98k€80k▼
Trade receivables40€8k€10k▲
Other amounts receivable41€90k€70k▼
Cash at bank and in hand54/58€6k€2k▼
Equity and liabilities
Total equity and liabilities10/49€6.30M€6.30M▼
Equity10/15€-995k€-1.40M▼
Contributions10/11€504k€504k=
Capital10€504k€504k=
Issued capital100€504k€504k=
Profit (loss) carried forward14€-1.50M€-1.90M▼
Amounts payable17/49€7.30M€7.70M▲
Amounts payable within one year42/48€7.30M€7.69M▲
Financial debts43€3.49M€3.49M=
Credit institutions430/8€3.49M€3.49M=
Trade debts44€688k€38k▼
Suppliers440/4€688k€38k▼
Other amounts payable47/48€3.12M€4.16M▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Other operating charges640/8€52k€998▼
Gross operating margin9900€-675k€-121k▲
Operating profit (loss)9901€-728k€-122k▲
Financial income75/76B€71k€986▼
Recurring financial income75€51k€986▼
Non-recurring financial income76B€20k-
Financial charges65/66B€285k€281k▼
Recurring financial charges65€285k€243k▼
Non-recurring financial charges66B-€38k
Profit (loss) for the period before taxes9903€-943k€-402k▲
Profit (loss) for the period9904€-943k€-402k▲
Profit (loss) for the period to be appropriated9905€-943k€-402k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1.50M€-1.90M▼
Profit (loss) brought forward from the previous period14P€-556k€-1.50M▼
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
05-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-943k
Net result drops to €-943k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 11 days late
2021
31-12
Financial
Highest result since 2018net €552k ▲18%
Operating result €693k, net result €552k, both a record.
31-12
Financial
Equity above €200kEq €466k
2 profitable years in a row build equity to €466k.
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 122 days late
2020
31-12
Financial
Back to profitnet €468k
Net result €468k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 3.69
Current ratio from 1.70 to 3.69; short-term debt falls from €5.64M to €2.13M.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Overijse · 1 establishment unit since 2012
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.
Brusselsesteenweg 3213090 OverijseGround area
2,394 m²
Building footprint
519 m²
Volume, LiDAR
4,072 m³
Parcel 23062B0213/00G000, Flanders · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
RAMEIS
since 20122.209.064.439
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062B0213/00G000 | Flanders | 2,394 m² | 1 · 519 m² | 9.2 m · 3 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.
Similar companies · same sector, comparable size
ROOSEN ZWEMBADEN
BE 0727.624.912
Bree · Eq €415k
LMC-PISCINES
BE 0541.318.693
Theux · Eq €426k
FORTSIOR
BE 0664.686.164
Oostende · Eq €356k
KR_ï_EF
BE 0655.708.518
Berlare · Eq €435k
WMB-INDUSTRIES
BE 0460.029.032
Tongeren-Borgloon · Eq €457k
Of 386 companies in sector 42990 we hold annual accounts for 179. 112 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded11-04-2012
Fiscal year end31-12
Activities, NACEBEL
42990Civil engineering
41001General construction of residential buildings
68121Development of residential building projects
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
68201Renting and operating of own or leased residential real estate, excluding social housing
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.