Ramlot Carmen has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €34k and a net result of €43k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 924 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 30-04-2026, 92 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
92 d early
2024
44 d early
2023
75 d early
2022
81 d early
2021
75 d early
2020
36 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
22-09-2026 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
€43k
2024 · €-14k
2020: €-3k
2021: €-8k
2022: €58k
2023: €313k
2024: €-14k
2020 → 2025
Working capital
€-496k▲ 7.2%
2024 · €-534k
2020: €-366k
2021: €-416k
2022: €-402k
2023: €-128k
2024: €-534k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-5k-€53k€365k▲ 595%€-9k€34k
Operating result€-4k-€1k€-4k€-11k▼ 167%€52k
Net result€-8k-€58k€313k▲ 442%€-14k€43k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €52k after a loss of €11k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €819k
Fixed assets
€625k▼ 1.0%
Current assets
€194k▲ 1.1%
Equity and liabilities €819k
Equity
€34k
Debt
€785k
Debt finances 95.8% of the balance-sheet total.
Key figures and ratios
Solvency
4.2%▲
2024 · -1.0%
ROE
125.0%
ROA
5.2%▲
2024 · -1.7%
Debt
€785k▼
2024 · €832k
Debt ≤ 1 year
€690k▼
2024 · €726k
Debt > 1 year
€95k▼
2024 · €106k
Income taxes
€6k▲
2024 · €136
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€824k€819k▼
Formation expenses20€10-
Fixed assets21/28€631k€625k▼
Tangible fixed assets22/27€6k-
Furniture and vehicles24€6k-
Financial fixed assets28€625k€625k=
Current assets29/58€192k€194k▲
Amounts receivable within one year40/41€191k€186k▼
Trade receivables40€8k€8k=
Other amounts receivable41€183k€177k▼
Cash at bank and in hand54/58€505€8k▲
Deferred charges and accrued income490/1€403€371▼
Equity and liabilities
Total equity and liabilities10/49€824k€819k▼
Equity10/15€-9k€34k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€-14k€29k▲
Amounts payable17/49€832k€785k▼
Amounts payable after more than one year17€106k€95k▼
Financial debts170/4€106k€95k▼
Amounts payable within one year42/48€726k€690k▼
Current portion of amounts payable after more than one year42€45k€55k▲
Trade debts44€542€481▼
Suppliers440/4€542€481▼
Taxes, remuneration and social security45€58k€14k▼
Taxes450/3€58k€14k▼
Other amounts payable47/48€623k€620k▼
Income statement
Code20242025
Remuneration, social security and pensions62€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€6k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€5k€61k▲
Operating profit (loss)9901€-11k€52k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-14k€49k▲
Income taxes67/77€136€6k▲
Profit (loss) for the period9904€-14k€43k▲
Profit (loss) for the period to be appropriated9905€-14k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€346k€29k▼
Profit (loss) brought forward from the previous period14P€360k€-14k▼
Profit to be distributed694/7€360k-
Return on contributions (dividend)694€360k-
The notes to these accounts (8 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €43k
Net result €43k after one loss-making year.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-14k ▼104%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
17-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2020net €313k ▲442%
Net result €313k, the highest in the series.
31-12
Financial
Equity above €200kEq €365k ▲595%
2 profitable years in a row build equity to €365k.
11-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €58k
Net result €58k after 2 loss-making years.
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Rouvroy · 1 establishment unit since 2020
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.
Quartier des Ouyelis,Harnoncourt 15B6767 RouvroyGround area
1,781 m²
Building footprint
347 m²
Volume, LiDAR
2,239 m³
2 parcels, Wallonia · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ramlot Carmen
since 20202.299.063.316
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85016A0393/00E000 | Wallonia | 1,483 m² | 1 · 212 m² | 9.4 m · 2 fl. |
| 85016A0392/00D000 | Wallonia | 298 m² | 1 · 135 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 6,517 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-02-2020
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:carmen@pharmasoft.be
Phone:+32477285807
Phone:0477285807