Raminter
ActiveRaminter has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €627k and a net result of €31k. Equity is growing by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 71% of 6537 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability57▼-16
Solvency77▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days only on tighter terms
Liquidity ample (current ratio 1.97 against 1.87 in 2023; short-term debt: 44.5% and cash: 61.8% of total assets), and 47.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-11-2025, 104 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
104 d late
2023
107 d late
2022
32 d late
2021
30 d late
2020
30 d late
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€31k▼ 51.8%
2023 · €65k
2018: €86k
2019: €75k
2020: €180k
2021: €116k
2022: €49k
2023: €65k
2018 → 2024
Working capital
€518k▲ 4.9%
2023 · €494k
2018: €153k
2019: €178k
2020: €388k
2021: €537k
2022: €517k
2023: €494k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€536k-€652k▲ 21.7%€616k▼ 5.5%€596k▼ 3.3%€627k▲ 5.3%
Operating result€250k-€178k▼ 28.7%€87k▼ 51.2%€94k▲ 8.2%€83k▼ 11.9%
Net result€180k-€116k▼ 35.4%€49k▼ 58.3%€65k▲ 34.3%€31k▼ 51.8%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 12% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.18M
Fixed assets
€126k▼ 7.9%
Current assets
€1.05M▼ 0.9%
Equity and liabilities €1.20M
Equity
€627k▲ 5.3%
Debt
€569k▼ 6.6%
The debt ratio falls from 50.6% to 47.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€124k▼
2023 · €163k
Cash flow
€73k▼
2023 · €134k
Solvency
52.4%▲
2023 · 49.4%
Current ratio
1.97▲
2023 · 1.87
Quick ratio
1.64▲
2023 · 1.57
Debt / equity
0.91▼
2023 · 1.02
ROE
5.0%▼
2023 · 10.9%
ROA
2.6%▼
2023 · 5.4%
Interest coverage
4.17▼
2023 · 5.76
Debt
€569k▼
2023 · €610k
Debt ≤ 1 year
€532k▼
2023 · €565k
Debt > 1 year
€17k▼
2023 · €34k
Income taxes
€10k▼
2023 · €26k
Staff costs
€371k▲
2023 · €355k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.21M€1.20M▼
Formation expenses20€9k€20k▲
Fixed assets21/28€137k€126k▼
Tangible fixed assets22/27€112k€104k▼
Land and buildings22€21k€22k▲
Plant, machinery and equipment23€87k€79k▼
Furniture and vehicles24€4k€3k▼
Financial fixed assets28€25k€22k▼
Current assets29/58€1.06M€1.05M▼
Stocks and contracts in progress3€174k€179k▲
Stocks30/36€174k€179k▲
Amounts receivable within one year40/41€116k€71k▼
Trade receivables40€65k€48k▼
Other amounts receivable41€50k€22k▼
Cash at bank and in hand54/58€765k€740k▼
Deferred charges and accrued income490/1€4k€61k▲
Equity and liabilities
Total equity and liabilities10/49€1.21M€1.20M▼
Equity10/15€596k€627k▲
Contributions10/11€100k€100k=
Capital10€100k€100k=
Issued capital100€100k€100k=
Reserves13€315k€315k=
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Tax-exempt reserves132€55k€55k=
Distributable reserves133€251k€251k=
Profit (loss) carried forward14€180k€212k▲
Amounts payable17/49€610k€569k▼
Amounts payable after more than one year17€34k€17k▼
Financial debts170/4€30k€13k▼
Other amounts payable178/9€4k€4k=
Amounts payable within one year42/48€565k€532k▼
Current portion of amounts payable after more than one year42€16k€20k▲
Trade debts44€296k€255k▼
Suppliers440/4€296k€255k▼
Taxes, remuneration and social security45€55k€68k▲
Taxes450/3€6k-
Remuneration and social security454/9€48k€68k▲
Other amounts payable47/48€199k€189k▼
Accrued charges and deferred income492/3€11k€20k▲
Income statement
Code20232024
Non-recurring operating income76A€1k€5k▲
Remuneration, social security and pensions62€355k€371k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€68k€41k▼
Other operating charges640/8€4k€20k▲
Non-recurring operating charges66A€380€1k▲
Gross operating margin9900€522k€517k▼
Operating profit (loss)9901€94k€83k▼
Financial income75/76B€26k€14k▼
Recurring financial income75€18k€14k▼
Non-recurring financial income76B€8k-
Financial charges65/66B€29k€56k▲
Recurring financial charges65€28k€30k▲
Non-recurring financial charges66B€1k€26k▲
Profit (loss) for the period before taxes9903€91k€41k▼
Income taxes67/77€26k€10k▼
Profit (loss) for the period9904€65k€31k▼
Profit (loss) for the period to be appropriated9905€65k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€245k€212k▼
Profit (loss) brought forward from the previous period14P€180k€180k▲
Transfer from equity791/2€86k-
Transfer to equity691/2€65k-
To other reserves6921€65k-
Profit to be distributed694/7€86k-
Return on contributions (dividend)694€86k-
Social balance
Average headcount (FTE)908718.819.4▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
12-11
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 104 days late
2024
31-12
Financial
Weakest financial yearnet €31k ▼51.8%
Net result drops to €31k, the lowest in the series.
15-11
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 107 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 32 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €180k ▲139%
Operating result €250k, net result €180k, both a record.
31-12
Financial
Equity above €500kEq €536k ▲50.7%
3 profitable years in a row build equity to €536k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · 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
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, Ramillies · 1 establishment unit since 2013
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.
Avenue des Déportés 451367 RamilliesGround area
2,037 m²
Building footprint
133 m²
Parcel 25030A0220/00C000, Wallonia. Linked by address, not a title deed.
1 establishment unit
RAMINTER
since 20132.220.255.170
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25030A0220/00C000 | Wallonia | 2,037 m² | 1 · 133 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteRamillies2.220.255.170
Similar companies · same sector, comparable size
SM BURENVILLE
BE 1000.200.949
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MARVAN
BE 0439.052.187
Soumagne · Eq €628k
STORE FOR MORE
BE 0659.847.646
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AD KOERSEL
BE 0680.761.143
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MANOLIA
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Mettet · Eq €622k
Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 2,849 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-07-2013
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
47114Supermarkets
47620Retail trade
47621Retail sale of newspapers and periodicals
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
68110Buying and selling of own real estate
74209Other photographic activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.