Ramly services
ActiveSummary
The computed 12-month bankruptcy probability of Ramly services is 4.7% (elevated). The 2025 annual accounts show equity of €2,516 and a net result of €20. Equity is growing by about 48% per year across the filed financial years. Its solvency ranks better than 29% of 5,823 sector peers (NACE 49, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
- Equity
- €2,516
- Profit
- €20
- EL MOUSSAOUI FadouaDirector
- MAHMOUD Osama Mostafa AbdelrahmanDirector
Why 37raises riskFounded in 2023Sector: Land transport and transport via pipelines (NACE 49)Last filed accounts filed 30 days late; 1 of the last 3 lateSize: total assets €14,167Show the evidence
Checked score
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 49, micro): better than 29% on solvency, 16% on liquidity, 40% on profitability and 39% on growth.
The bankruptcy probability was computed on 25-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 3 accounts on average 152 days after the deadline; the sector median (NACE 49) for financial year 2024 is on the deadline day, and 49% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Annual accounts filedfinancial year 2023 · micro…
Financials · financial year 2025, micro format
2025 annual accounts filed late (30 days) Filed on 30 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00454989.
2023 to 2025, 3 financial years
The operating result falls in 2025; 2025 is 96% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 49, Land transport and transport via pipelines: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 2,542 companies that looked in July 2024 the way this one looks now, 3.5% went bankrupt within 24 months and 94.8% are still going.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 4.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,475 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,542 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €4,019 | €7,929 | ▲ 97.3% |
| Other operating charges640/8 | - | €1,758 | €963 | ▼ 45.2% |
| Gross operating margin9900 | - | €9,522 | €9,048 | ▼ 5.0% |
| Operating profit (loss)9901 | - | €3,745 | €156 | ▼ 95.8% |
| Financial income75/76B | - | €8 | - | - |
| Recurring financial income75 | - | €8 | - | - |
| Financial charges65/66B | - | €91 | €56 | ▼ 38.9% |
| Recurring financial charges65 | - | €91 | €56 | ▼ 38.9% |
| Profit (loss) for the period before taxes9903 | - | €3,662 | €100 | ▼ 97.3% |
| Income taxes67/77 | - | €1,265 | €80 | ▼ 93.7% |
| Profit (loss) for the period9904 | - | €2,396 | €20 | ▼ 99.2% |
| Profit (loss) for the period to be appropriated9905 | - | €2,396 | €20 | ▼ 99.2% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €100 | €20,030 | €14,167 | ▼ 29.3% |
| Fixed assets21/28 | - | €19,771 | €11,842 | ▼ 40.1% |
| Tangible fixed assets22/27 | - | €19,771 | €11,842 | ▼ 40.1% |
| Furniture and vehicles24 | - | €19,771 | €11,842 | ▼ 40.1% |
| Current assets29/58 | €100 | €259 | €2,325 | ▲ 798% |
| Cash at bank and in hand54/58 | €100 | €259 | €1,359 | ▲ 425% |
| Deferred charges and accrued income490/1 | - | - | €966 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €100 | €20,030 | €14,167 | ▼ 29.3% |
| Equity10/15 | €100 | €2,496 | €2,516 | ▲ 0.8% |
| Contributions10/11 | €100 | €100 | €100 | = |
| Profit (loss) carried forward14 | - | €2,396 | €2,416 | ▲ 0.8% |
| Amounts payable17/49 | - | €17,534 | €11,651 | ▼ 33.6% |
| Amounts payable within one year42/48 | - | €17,534 | €11,222 | ▼ 36.0% |
| Trade debts44 | - | €645 | - | - |
| Suppliers440/4 | - | €604 | - | - |
| Bills of exchange payable441 | - | €41 | - | - |
| Taxes, remuneration and social security45 | - | €1,577 | €2,264 | ▲ 43.5% |
| Taxes450/3 | - | €1,577 | €2,264 | ▲ 43.5% |
| Other amounts payable47/48 | - | €15,312 | €8,959 | ▼ 41.5% |
| Accrued charges and deferred income492/3 | - | - | €429 | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | - | €2,396 | €20 | ▼ 99.2% |
| + Depreciation and write-downs630 | - | €4,019 | €7,929 | ▲ 97.3% |
| Operating cash flow (approximation) | - | €6,415 | €7,949 | ▲ 23.9% |
| Investment in fixed assets (approximation) | - | - | €0 | - |
| Change in cash | - | €159 | €1,100 | ▲ 592% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (3)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 30-08-2026 | 2026-00454989 |
| 31-12-2024 | micro format | 30-08-2025 | 2025-00478897 |
| 31-12-2023 | micro format | 30-08-2025 | 2025-00478902 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| EL MOUSSAOUI Fadoua |
|
| MAHMOUD Osama Mostafa Abdelrahman |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
05-07
Gazette deed
IncorporationAppointments: EL MOUSSAOUI Fadoua (director) and MAHMOUD Osama Mostafa Abdelrahman (director) · Founder · Founding capital13 facts ▸
- Incorporation, 28-06-2023
- Founder, EL MOUSSAOUI Fadoua
- Founder, MAHMOUD Osama Mostafa Abdelrahman
- Founding capital, €100
- Capital
- Other provision, “Statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Other provision, “Aard van de andere effecten” (deed in Dutch)
- Registered office clause, “1730 Asse,Lindendries 117” (deed in Dutch)
- Other provision, “website en e-mailadres” (deed in Dutch)
- Board rule, 2, “oprichters” (deed in Dutch)
- Director appointment, EL MOUSSAOUI Fadoua (director (not named in the articles))
- Director appointment, MAHMOUD Osama Mostafa Abdelrahman (director (not named in the articles))
- +1 further fact in this act
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 25 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 23322C0107/00C000 | Flanders | 2,202 m² | 1 · 127 m² | 7.6 m · 2 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Alle activiteiten die verband houden met de exploitatie van een taxibedrijf, met inbegrip van centrales voor telefoongesprekken en…” (deed in Dutch)
Text of the purpose (deed in Dutch)
“Alle activiteiten die verband houden met de exploitatie van een taxibedrijf, met inbegrip van centrales voor telefoongesprekken en taxibureaus; het vervoer van personen en goederen met alle middelen van vervoer over de weg; het verhuren, verkopen, aankopen, exploiteren en invoeren van personenauto's, bestelwagens, vrachtwagens en alle voertuigen met eigen beweegkracht;”
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- Ramly Services
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, administratieve zetels, agentschappen, werkhuizen, stapelplaatsen en bijkantoren in België of buitenland bij besluit…” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Artikel 14. Bevoegdheden van het bestuursorgaan §1. Interne bevoegdheid De bestuurder(s) ka(u)n(nen) alle handelingen, nodig of dienstig…”
- Board ruleHow the board is made up, meets and takes decisions.
- “Met of zonder beperking van duur, natuurlijke personen of rechtspersonen” (deed in Dutch)1 more provision on this in the deed
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Op naam met volgnummer, vruchtgebruiker en blote eigenaar afzonderlijk met rechten” (deed in Dutch)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- One provision in the deed
- Share issue ruleHow and by whom new shares can be issued.
- One provision in the deed
Meetings and financial year
- Financial yearThe twelve-month period the company draws up its annual accounts for.
- “TITEL VI. BOEKJAAR - WINSTVERDELING - RESERVES Artikel 23. Boekjaar Het boekjaar van de vennootschap gaat in op één januari en eindigt op…” (deed in Dutch)
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- First Monday of June at 15:00
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Algemene vergadering, vereist voor statutenwijziging” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Indien geen andere vereffenaar benoemd, bestuurder(s) in functie krachtens statuten” (deed in Dutch)