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RAMO BEN

Active
Private limited companyfounded 201115 yrs activeKoning Albertlaan 1, 1082 Sint-Agatha-Berchem, BelgiumKBO/BCE: BE 0833.201.888

The file of RAMO BEN contains 3 judicial reorganisation notices, as published in the Belgian State Gazette.

Summary

The computed 12-month bankruptcy probability is 14.6% (high). The 2025 annual accounts show equity of €66,223 and a net result of €5,705. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 38% of 1714 sector peers (fiscal year 2025).

Risk analysisWatch ReportCompare
RAMO BENActiveChecked score 28/100
Risk analysis ReportCompare

Overview

Activity
Renting and leasing of other personal and household goods
NACE 77229NACE 77220
2 sites
Size
€371,849total assets 2025
Equity
€66,223
Profit
€5,705
Turnover not published (abridged schema)
Financial health
28 Weak Checked score 2025
Bankruptcy chance 12 m
14.6%
Structure
Accounts filed 15 d late0 of 5 deeds read
Why 28- Reorganisation plan being carried out (approved, Gazette 01-10-2026)- Latest accounts 15 days late; 2 of the last 3 late- Liquidity: current ratio 1.22+ Founded in 2011Show the evidence

Checked score

Score 2025
28 / 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 34% of its sector peers (NACE 77, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 43+3
equity 17.8% of total assets
Liquidity 10+6
short-term debt 82.2%
Profitability 41-8
return on assets 1.5%
Bankruptcy probability, 12 months
14.6% High
0%0.5%1.5%4%10%≥ 25%

About 1 in 7 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (3,141 companies)
Last 24 months 11-2024: 2.9% 12-2024: 3.7%▲ +28.2% vs 11-2024 01-2025: 6.0%▲ +59.7% vs 12-2024 02-2025: 2.6%▼ -56.1% vs 01-2025 03-2025: 2.6%● 0.0% vs 02-2025 04-2025: 2.7%▲ +1.0% vs 03-2025 05-2025: 2.6%▼ -3.7% vs 04-2025 06-2025: 2.5%▼ -3.9% vs 05-2025 07-2025: 2.6%▲ +6.4% vs 06-2025 08-2025: 3.1%▲ +19.3% vs 07-2025 09-2025: 3.1%▼ -0.2% vs 08-2025 10-2025: 3.6%▲ +16.2% vs 09-2025 11-2025: 3.8%▲ +5.1% vs 10-2025 12-2025: 2.2%▼ -41.7% vs 11-2025 01-2026: 2.2%● 0.0% vs 12-2025 02-2026: 2.2%● 0.0% vs 01-2026 03-2026: 2.2%● 0.0% vs 02-2026 04-2026: 2.2%▼ -2.1% vs 03-2026 05-2026: 1.9%▼ -10.2% vs 04-2026lowest value 10-2026: 14.6%highest value
  • Reorganisation plan being carried out (approved, Gazette 01-10-2026) raises the probabilityWhile the plan runs, the probability is at least 14.6%: the measured failure rate of plans of that age.
  • Latest accounts 15 days late; 2 of the last 3 late raises the probability
  • Liquidity: current ratio 1.22 raises the probability
  • Founded in 2011 lowers the probability for this profile
Credit up to €1,500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.22 against 1.18 in 2024; short-term debt: 82.2% of total assets), and 82.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 77, micro). Better than this share of them on solvency 34%, liquidity 12%, profitability 28%, growth against the median 61%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Reorganisation plan being carried out (approved, Gazette 01-10-2026)
In the bankruptcy model this factor raises the probability. While the plan runs, the probability is at least 14.6%: the measured failure rate of plans of that age.
Belgian State Gazette
raises risk · Latest accounts 15 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Liquidity: current ratio 1.22
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 2011
In the bankruptcy model this factor lowers the probability for this profile.
KBO
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-08-2026, 15 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
15 d late
2024
92 d late
2023
153 d late
2022
61 d late
2021
8 d early
2020
31 d late
2019
31 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 54 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 30 September (4 of the last 5 filed years within 69 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Plan homologationTribunal de l’entreprise francophone de…
  2. Filing of a new plan authorisedTribunal de l’entreprise francophone de…
  3. Annual accounts filedfiscal year 2025 · micro…

Key points

  • Total assets 20256 fiscal years filed €371,849 View
  • Active since 2011founded 27-01-2011 15 years View

By topic

Financials

Fiscal year
2025
Total assets
€371,849
Profit
€5,705
Solvency
17.8%
Total assets▼ 5.2%
Net result
20182025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 01-10-2026Plan homologation
  2. 08-09-2026Filing of a new plan authorised
  3. 15-08-2026Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Renting and leasing of other personal and household…NACE 77229
Founded
27-01-2011
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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