RAMMELBEEK
ActiveRAMMELBEEK is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €102k and a net result of €-81k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 30% of 1418 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-06-2025, 44 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
44 d early
2023
43 d early
2022
38 d early
2021
33 d early
2020
23 d early
2019
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€102k▼ 48.6%
2023 · €199k
2018: €23k
2019: €134k
2020: €228k
2021: €239k
2022: €196k
2023: €199k
2018 → 2024
Net result
€-81k
2023 · €17k
2018: €287k
2019: €506k
2020: €309k
2021: €27k
2022: €-27k
2023: €17k
2018 → 2024
Total assets
€481k▼ 11.2%
2023 · €541k
2018: €624k
2019: €899k
2020: €775k
2021: €655k
2022: €691k
2023: €541k
2018 → 2024
Solvency
21.3%▼ 15.5pp
2023 · 36.8%
2018: 3.7%
2019: 14.9%
2020: 29.5%
2021: 36.5%
2022: 28.4%
2023: 36.8%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€228k-€239k▲ 4.6%€196k▼ 17.9%€199k▲ 1.6%€102k▼ 48.6%
Operating result€376k-€64k▼ 83.0%€2k▼ 97.5%€67k▲ 4,150%€-46k
Net result€309k-€27k▼ 91.4%€-27k€17k€-81k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €46k after €67k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €481k
Fixed assets
€21k▼ 29.9%
Current assets
€460k▼ 10.0%
Equity and liabilities €481k
Equity
€102k▼ 48.6%
Debt
€378k▲ 10.7%
The debt ratio rises from 63.2% to 78.7%: debt grows while equity shrinks.
Key figures and ratios
Solvency
21.3%▼
2023 · 36.8%
ROE
-79.1%▼
2023 · 8.7%
ROA
-16.8%▼
2023 · 3.2%
Debt
€378k▲
2023 · €342k
Debt ≤ 1 year
€324k▲
2023 · €251k
Debt > 1 year
€53k▼
2023 · €91k
Income taxes
€6k▼
2023 · €34k
Staff costs
€679k▼
2023 · €768k
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€541k€481k▼
Fixed assets21/28€30k€21k▼
Tangible fixed assets22/27€30k€21k▼
Plant, machinery and equipment23€2k€864▼
Furniture and vehicles24€28k€20k▼
Financial fixed assets28€120€120=
Current assets29/58€511k€460k▼
Amounts receivable within one year40/41€207€2k▲
Trade receivables40-€1k
Other amounts receivable41€207€318▲
Cash at bank and in hand54/58€191k€164k▼
Deferred charges and accrued income490/1€320k€294k▼
Equity and liabilities
Total equity and liabilities10/49€541k€481k▼
Equity10/15€199k€102k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€179k€82k▼
Amounts payable17/49€342k€378k▲
Amounts payable after more than one year17€91k€53k▼
Financial debts170/4€91k€53k▼
Amounts payable within one year42/48€251k€324k▲
Current portion of amounts payable after more than one year42€92k€134k▲
Financial debts43-€27k
Credit institutions430/8-€27k
Trade debts44€5k€44k▲
Suppliers440/4€5k€44k▲
Taxes, remuneration and social security45€143k€107k▼
Taxes450/3€53k€14k▼
Remuneration and social security454/9€91k€93k▲
Other amounts payable47/48€11k€13k▲
Accrued charges and deferred income492/3€86€586▲
Income statement
Code20232024
Non-recurring operating income76A-€1k
Remuneration, social security and pensions62€768k€679k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€9k▼
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€847k€646k▼
Operating profit (loss)9901€67k€-46k▼
Financial income75/76B€337€305▼
Recurring financial income75€337€305▼
Financial charges65/66B€16k€29k▲
Recurring financial charges65€16k€29k▲
Profit (loss) for the period before taxes9903€51k€-75k▼
Income taxes67/77€34k€6k▼
Profit (loss) for the period9904€17k€-81k▼
Profit (loss) for the period to be appropriated9905€17k€-81k▼
Appropriation of the result
Profit (loss) to be appropriated9906€193k€98k▼
Profit (loss) brought forward from the previous period14P€176k€179k▲
Profit to be distributed694/7€14k€16k▲
Employees696€14k€16k▲
Social balance
Average headcount (FTE)90879.59.1▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
03-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment · Permanent representative5 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment · Permanent representative5 facts ▸
- General meeting, 27 juli 2026
- Director appointment, ASSURVIE (statutair bestuurder)
- Permanent representative, VAN WEEHAEGE Gitte
- Mandate compensation, ASSURVIE
- Statutes amendment
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-81k ▼569%
Net result drops to €-81k, the lowest in the series.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €200kEq €228k ▲70.7%
3 profitable years in a row build equity to €228k.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €506k ▲76.2%
Operating result €594k, net result €506k, both a record.
31-12
Financial
Equity above €100kEq €134k ▲480%
2 profitable years in a row build equity to €134k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
ASSURVIE
CurrentStatutair bestuurder · since 13-10-2026 · Legal entity · perm. rep.: VAN WEEHAEGE Gitte
13-10-2026
Appointed as Statutair bestuurder
Location & real-estate footprint
Registered office, Beveren-Kruibeke-Zwijndrecht · 3 establishment units since 2017
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.
Kleine Kerkstraat 189120 Beveren-Kruibeke-ZwijndrechtGround area
1,948 m²
Building footprint
1,038 m²
Volume, LiDAR
7,583 m³
3 parcels, Flanders · tallest building 15.2 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
Sint-Damiaanstraat 24, 2160 Wommelgem
since 20172.270.663.102
Lievevrouwestraat 54, 2520 Ranst
since 20172.270.663.201
Kleine Kerkstraat 18, 9120 Beveren-Kruibeke-Zwijndrecht
since 20172.270.665.575
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11052C0350/00M000 | Flanders | 796 m² | 1 · 796 m² | 15.2 m · 3 fl. |
| 46028C0746/00D003 | Flanders | 593 m² | 1 · 102 m² | 10.6 m · 2 fl. |
| 11035C0121/00W013 | Flanders | 559 m² | 1 · 139 m² | 11.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 896 EUR awarded · 896 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 896 EUR | 896 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,679 companies in sector 66191 we hold annual accounts for 1,227. 1,059 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2017
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.