Equity
€1.5m ▼ 29.6%
Ramence paid out €918,221 in dividends. That is 311% of the 2025 profit.
Ramence
Lifetime
16 annual accounts with figures on one time axispeak €681,555 (2024)
€542,097▼ 20.5%
peak €412,082 (2024)
€295,227▼ 28.4%
peak €2.1m (2024)
€1.5m▼ 29.6%
€1.3m▲ 93.0%
peak 1.8 FTE (2020)
-not published
Board1 name since 2019
1 directorFilip Vannoote
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from €681,555 to €542,097Result from €412,082 to €295,227Dividend €918,221Equity from €2.1m to €1.5mDebts from €650,585 to €1.3mCash from €277,858 to €107,474
Key points
from the 2025 annual accountsTurnover
≈ €770,000 estimated
The micro format states no turnover.
Debts
€1.3m ▲ 93.0%
Debts rose by €604,721 in 2025. A dividend stands under other debts on the balance sheet date until it is paid.
Investments
€329,560 2.3 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 26.8% higher than in 2024.
Filings
16 annual accounts since 2010
Eight of the last ten came late. The 2019 accounts came latest: 38 days after the end of the period.
Position in the sector
€295,227
Higher net result than 95% of companies in head offices and management consultancy. Sector median €27,142 · 39,376 companies.
Checked score
93
Excellent
Financially stronger than 42% of small companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 4,522 companies (NACE 70, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: 0.1%▲ +0.1 percentage points vs 06-2025
08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025lowest value
09-2025: < 0.1%● unchanged vs 08-2025lowest value
10-2025: < 0.1%● unchanged vs 09-2025lowest value
11-2025: < 0.1%● unchanged vs 10-2025lowest value
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: 0.1%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
Liquidity: current ratio 1.21, cash €107,474, halved
lowers risk
Size: total assets €2.7m
Figures for financial year 2025 (filed on 31-08-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, small). It does better than 52% of them on solvency, 25% on liquidity, 82% on profitability and 7% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 17,811 companies had the same profile as Ramence has now. Each dot stands for 45 companies, two years later.
96.5%
were still trading
3.2%
stopped another way
0.3%
went bankrupt
That fits the bankruptcy probability of Ramence itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,811 companies, not a prediction for Ramence. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €130,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.21 (2.55 in 2024), below the usual 1.5. Short-term debt is 33.6% and cash 3.9% of total assets. 45.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
15 days early
2023
19 days late
2022
29 days late
2021
16 days late
2020
16 days late
2019
38 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 19 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 20 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0811201397
Capital decrease of €159,030 to €18,600
Capital from €177,630 to €18,600 · Change of role: Filip Vannoote, from manager to director · Director discharge: Filip Vannoote · General meeting of 09-12-2019 · Gazette deed
First establishment
Rosmolenstraat 23, Roeselare
Incorporation
published on 20-04-2009 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Ramence Roeselare | €2.7m | €542,097 | 54.1% | - |
| VANDAMME Harelbeke | €3.4m | €479,301 | 89.9% | 0 |
| DELIM Nazareth-De Pinte | €3.4m | €534,533 | 82.1% | - |
| SIN CERA Deinze | €2.5m | €452,296 | 38.0% | - |
| Comfort Ctrl Dilsen-Stokkem | €3.2m | €448,831 | 56.1% | - |
| ESIMNA Roeselare | €2.2m | €532,353 | 87.8% | - |
| POWERMAT Roeselare | €1.9m | €543,114 | 74.0% | - |
These companies have the same main activity as Ramence: activities of head offices (NACE 70100). They are comparable in size and age: total assets between €1.9m and €3.4m, founded between 2004 and 2010.
Official details
Source: KBO- Status
- Active since 16-04-2009Normal situation
- Activity
- Activities of head officesNACE 70100
- Establishment unit
- 2.178.057.1038800 Roeselare, since 11-05-2009
- Financial year end
- 31 December
- Peppol
- Reachable since 20-03-2025
Insights on Ramence
Ramence files the micro format. That format states no turnover. The gross margin rose from €344,434 in 2010 to €542,097 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Ramence
- What is the company number of Ramence?
- The company number of Ramence is 0811.201.397. The VAT number is the same number with BE in front: BE 0811.201.397.
- Where is Ramence based?
- The registered office is at Rosmolenstraat 23, 8800 Roeselare.Company details
- What does Ramence do?
- According to the KBO register, the main activity is activities of head offices (NACE 70100).
- What is the legal form of Ramence?
- Ramence is a private limited company (BV).
- When was Ramence founded?
- Ramence was founded on 16-04-2009.
- Is Ramence still active?
- Yes, Ramence is an active enterprise in the KBO register.
- How many employees does Ramence have?
- Ramence had an average of 1.8 full-time equivalents in financial year 2020, according to the filed annual accounts.Financials
- What is the turnover of Ramence?
- The turnover in financial year 2025 is ≈ €770,000. This figure is estimated from the gross margin of €542,097 and 101 comparable companies (NACE 70). It probably lies between €640,000 and €1.4m.
- Is Ramence profitable?
- In financial year 2025, Ramence made a profit of €295,227.
- Where can I find the annual accounts of Ramence?
- Ramence filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Ramence due?
- Ramence must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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