RAMKEV
ActiveThe computed 12-month bankruptcy probability of RAMKEV is 1.5% (moderate). The 2025 annual accounts show equity of €28k and a net result of €74k. Equity is shrinking by ~63.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 40% of 3668 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency45▲+45
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.18 against 0.48 in 2024; short-term debt: 72% and cash: 3.6% of total assets), and 79.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
20.3%
Return on assets
53.6%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
109 d late
2022
45 d early
2021
39 d early
2020
38 d early
2019
5 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€28k
2024 · €-46k
2018: €54k
2019: €44k
2020: €18k
2021: €2k
2022: €-19k
2023: €9k
2024: €-46k
2018 → 2025
Total assets
€138k▲ 62.7%
2024 · €85k
2018: €180k
2019: €151k
2020: €127k
2021: €116k
2022: €92k
2023: €89k
2024: €85k
2018 → 2025
Net result
€74k
2024 · €-54k
2018: €33k
2019: €2k
2020: €-18k
2021: €-16k
2022: €-9k
2023: €35k
2024: €-54k
2018 → 2025
Working capital
€18k
2024 · €-58k
2018: €11k
2019: €-13k
2020: €-32k
2021: €-10k
2022: €-44k
2023: €-14k
2024: €-58k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€-19k€9k€-46k€28k
Operating result€-11k-€4k€51k▲ 1,324%€-52k€78k
Net result€-16k-€-9k▲ 46.3%€35k€-54k€74k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €78k after a loss of €52k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €138k
Fixed assets
€21k▼ 31.0%
Current assets
€117k▲ 115%
Equity and liabilities €138k
Equity
€28k
Debt
€110k
Debt finances 79.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€98k▲
2024 · €-32k
Cash flow
€93k▲
2024 · €-35k
Solvency
20.3%▲
2024 · -54.1%
Current ratio
1.18▲
2024 · 0.48
Quick ratio
1.08▲
2024 · 0.41
Debt / equity
3.92▲
2024 · -2.85
ROE
263.6%
ROA
53.6%▲
2024 · -64.0%
Interest coverage
15.15▲
2024 · -4.96
Debt
€110k▼
2024 · €131k
Debt ≤ 1 year
€100k▼
2024 · €113k
Debt > 1 year
€11k▼
2024 · €18k
Income taxes
€0▼
2024 · €2
Staff costs
€295k▲
2024 · €210k
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€85k€138k▲
Fixed assets21/28€30k€21k▼
Intangible fixed assets21€2k€0▼
Tangible fixed assets22/27€27k€19k▼
Land and buildings22€14k€6k▼
Plant, machinery and equipment23€7k€4k▼
Furniture and vehicles24€5k€10k▲
Financial fixed assets28€2k€2k=
Current assets29/58€55k€117k▲
Stocks and contracts in progress3€8k€9k▲
Stocks30/36€8k€9k▲
Amounts receivable within one year40/41€41k€102k▲
Trade receivables40€5k€2k▼
Other amounts receivable41€36k€100k▲
Cash at bank and in hand54/58€3k€5k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€85k€138k▲
Equity10/15€-46k€28k▲
Contributions10/11€6k€6k=
Reserves13€2k€22k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133-€20k
Profit (loss) carried forward14€-54k€0▲
Amounts payable17/49€131k€110k▼
Amounts payable after more than one year17€18k€11k▼
Financial debts170/4€18k€11k▼
Amounts payable within one year42/48€113k€100k▼
Current portion of amounts payable after more than one year42€7k€8k▲
Financial debts43€6k€0▼
Credit institutions430/8€6k€0▼
Trade debts44€30k€49k▲
Suppliers440/4€30k€49k▲
Advances received on contracts in progress46-€2k
Taxes, remuneration and social security45€69k€41k▼
Taxes450/3€35k€19k▼
Remuneration and social security454/9€34k€21k▼
Income statement
Code20242025
Remuneration, social security and pensions62€210k€295k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k▼
Other operating charges640/8€10k€4k▼
Gross operating margin9900€188k€397k▲
Operating profit (loss)9901€-52k€78k▲
Financial income75/76B€4k€2k▼
Recurring financial income75€4k€2k▼
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€-54k€74k▲
Income taxes67/77€2€0▼
Profit (loss) for the period9904€-54k€74k▲
Profit (loss) for the period to be appropriated9905€-54k€74k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-54k€20k▲
Profit (loss) brought forward from the previous period14P€345€-54k▼
Transfer to equity691/2-€20k
To other reserves6921-€20k
Social balance
Average headcount (FTE)908712.711.1▼
The notes to these accounts (20 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Back to profitnet €74k
Net result €74k after one loss-making year.
30-09
Financial
Liquidity doublescurrent ratio 1.18
Current ratio from 0.48 to 1.18; short-term debt falls from €113k to €100k.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Weakest financial yearnet €-54k ▼256%
Net result drops to €-54k, the lowest in the series; recovery starts the following year.
17-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 109 days late
2023
30-09
Financial
Back to profitnet €35k
Net result €35k after 3 loss-making years.
16-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
05-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Brugge · 1 establishment unit since 2016
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.
Sint-Amandsstraat 318000 BruggeGround area
128 m²
Building footprint
128 m²
Volume, LiDAR
938 m³
Parcel 31804D0497/00_000, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Potatobar
since 20162.257.497.628
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31804D0497/00_000 | Flanders | 128 m² | 1 · 128 m² | 11.1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrugge2.257.497.628
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 9,376 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-09-2016
Fiscal year end30-09
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.