RAMLOR
ActiveFrom the official registers: KBO 4 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
The computed 12-month bankruptcy probability of RAMLOR is 3.0% (moderate). The 2025 annual accounts show equity of €18,342 and a net result of €6,091. Equity has been growing by about 36% per year since 2022. The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
2025 annual accounts filed 60 days after the deadline Filed on 29 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00529642.
Annual accounts 2025
- Financial year ended
- 31-12-2025
- Filed on
- 29-09-2026
- Format
- micro format
- Reference
- 2026-00529642
2022 to 2025, 4 financial years
The operating result for 2025 is nearly 37 times that of 2024. It is a recovery after the fall in 2024.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
Use the arrow keys on the chart for the figures per year.
Companies with the same profile, two years later
Historical observationIn July 2024, 2,135 companies had the same profile as RAMLOR has now. Two years later, 5.2% had gone bankrupt and 92.1% were still going.
- Micro
- 2 to 5 years old
- solvency under 10%
- a profit under 5% of the balance sheet
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of RAMLOR itself: 3.0% within 12 months.
Test of the method
The method was tested on the 497,445 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 2,135 companies, not a prediction for RAMLOR. 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.
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €11,000 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,638 | €6,186 | €12,557 | €25,778 | ▲ 105% |
| Other operating charges640/8 | €2,586 | €1,288 | €2,791 | €2,738 | ▼ 1.9% |
| Non-recurring operating charges66A | - | €8,952 | €0 | €2,000 | - |
| Gross operating margin9900 | €9,217 | €50,260 | €15,945 | €52,419 | ▲ 229% |
| Operating profit (loss)9901 | €2,993 | €33,834 | €596 | €21,903 | ▲ 37× |
| Financial income75/76B | €49 | €895 | €1,674 | €1,706 | ▲ 1.9% |
| Recurring financial income75 | €49 | €895 | €1,674 | €1,706 | ▲ 1.9% |
| Financial charges65/66B | €1,700 | €7,858 | €9,764 | €14,176 | ▲ 45.2% |
| Recurring financial charges65 | €1,700 | €7,858 | €9,764 | €14,176 | ▲ 45.2% |
| Profit (loss) for the period before taxes9903 | €1,343 | €26,872 | -€7,493 | €9,432 | - |
| Income taxes67/77 | €489 | €8,230 | €497 | €3,341 | ▲ 572% |
| Profit (loss) for the period9904 | €854 | €18,642 | -€7,991 | €6,091 | - |
| Transfer from tax-exempt reserves789 | - | €99 | €0 | - | - |
| Transfer to tax-exempt reserves689 | €99 | €0 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €755 | €18,741 | -€7,991 | €6,091 | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €94,539 | €130,369 | €194,558 | €240,064 | ▲ 23.4% |
| Fixed assets21/28 | €81,149 | €50,728 | €152,950 | €146,488 | ▼ 4.2% |
| Tangible fixed assets22/27 | €81,024 | €50,728 | €152,496 | €146,488 | ▼ 3.9% |
| Land and buildings22 | €1,307 | €1,026 | €83,333 | €84,625 | ▲ 1.5% |
| Plant, machinery and equipment23 | - | - | €1,074 | €2,018 | ▲ 87.9% |
| Furniture and vehicles24 | €78,097 | €48,253 | €46,578 | €35,502 | ▼ 23.8% |
| Other tangible fixed assets26 | €1,620 | €1,449 | €21,511 | €24,343 | ▲ 13.2% |
| Financial fixed assets28 | €125 | €0 | €454 | - | - |
| Current assets29/58 | €13,390 | €79,641 | €41,608 | €93,576 | ▲ 125% |
| Amounts receivable within one year40/41 | €9,501 | €39,110 | €38,704 | €91,926 | ▲ 138% |
| Trade receivables40 | - | €8,518 | €13,404 | €12,548 | ▼ 6.4% |
| Other amounts receivable41 | €9,501 | €30,592 | €25,300 | €79,378 | ▲ 214% |
| Cash at bank and in hand54/58 | €1,150 | €34,669 | €873 | €1,650 | ▲ 89.0% |
| Deferred charges and accrued income490/1 | €2,740 | €5,862 | €2,031 | - | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €94,539 | €130,369 | €194,558 | €240,064 | ▲ 23.4% |
| Equity10/15 | €1,599 | €20,241 | €12,250 | €18,342 | ▲ 49.7% |
| Contributions10/11 | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Reserves13 | €99 | €18,741 | €18,741 | €18,741 | = |
| Tax-exempt reserves132 | €99 | €0 | - | - | - |
| Distributable reserves133 | - | €18,741 | €18,741 | €18,741 | = |
| Profit (loss) carried forward14 | €0 | €0 | -€7,991 | -€1,899 | ▲ 76.2% |
| Amounts payable17/49 | €92,940 | €110,128 | €182,308 | €221,722 | ▲ 21.6% |
| Amounts payable after more than one year17 | €69,073 | €55,761 | €105,679 | €89,896 | ▼ 14.9% |
| Financial debts170/4 | €69,073 | €55,761 | €105,679 | €89,896 | ▼ 14.9% |
| Amounts payable within one year42/48 | €23,716 | €54,367 | €76,629 | €131,827 | ▲ 72.0% |
| Current portion of amounts payable after more than one year42 | €16,873 | €20,760 | €24,605 | €28,524 | ▲ 15.9% |
| Financial debts43 | €4,441 | €7,424 | €15,138 | €25,095 | ▲ 65.8% |
| Credit institutions430/8 | €4,441 | €7,424 | €15,138 | €25,095 | ▲ 65.8% |
| Trade debts44 | €1,159 | €14,138 | €18,411 | €33,018 | ▲ 79.3% |
| Suppliers440/4 | €1,159 | €14,138 | €18,411 | €33,018 | ▲ 79.3% |
| Taxes, remuneration and social security45 | €489 | €12,045 | €18,476 | €45,190 | ▲ 145% |
| Taxes450/3 | €489 | €12,045 | €18,476 | €45,190 | ▲ 145% |
| Other amounts payable47/48 | €755 | €0 | - | - | - |
| Accrued charges and deferred income492/3 | €150 | €0 | - | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €854 | €18,642 | -€7,991 | €6,091 | - |
| + Depreciation and write-downs630 | €3,638 | €6,186 | €12,557 | €25,778 | ▲ 105% |
| Operating cash flow (approximation) | €4,492 | €24,828 | €4,567 | €31,869 | ▲ 598% |
| Investment in fixed assets (approximation) | - | €24,234 | -€114,780 | -€19,316 | ▲ 83.2% |
| Change in cash | - | €33,519 | -€33,796 | €777 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Subsidies and aid
Flemish government
2022 to 2023 · 2 entries · €527 awarded · €527 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2023 | 1 | €117 | €117 |
| 2022 | 1 | €410 | €410 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.