RAMO BEN
Judicial reorganisationThe file of RAMO BEN contains 1 judicial reorganisation, as published in the Belgian State Gazette. During the judicial reorganisation Checked does not compute a bankruptcy probability from the figures: of the Belgian companies that opened one in 2023 and 2024, about one in four went bankrupt within twelve months. The 2025 annual accounts show equity of €66k and a net result of €6k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 37% of 1511 sector peers (fiscal year 2025).
Checked score
Score 2025
31
/ 100
Weak
The score weighs solvency, liquidity and profitability. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▼-8
Solvency43▲+3
Growth32=
Track record60
Credit verdict
No credit on open account during an ongoing judicial reorganisation
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.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 filingsDeviation 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 →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€66k▲ 9.4%
2024 · €61k
2018: €73k
2019: €64k
2020: €72k
2021: €79k
2022: €82k
2023: €42k
2024: €61k
2018 → 2025
Total assets
€372k▼ 5.2%
2024 · €392k
2018: €331k
2019: €453k
2020: €502k
2021: €459k
2022: €385k
2023: €430k
2024: €392k
2018 → 2025
Net result
€6k▼ 69.6%
2024 · €19k
2018: €36k
2019: €-8k
2020: €8k
2021: €8k
2022: €2k
2023: €-40k
2024: €19k
2018 → 2025
Working capital
€66k▲ 9.4%
2024 · €61k
2018: €92k
2019: €66k
2020: €60k
2021: €80k
2022: €83k
2023: €39k
2024: €61k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€79k-€82k▲ 2.9%€42k▼ 48.9%€61k▲ 44.9%€66k▲ 9.4%
Operating result€11k-€9k▼ 23.3%€-25k€35k€23k▼ 35.2%
Net result€8k-€2k▼ 69.0%€-40k€19k€6k▼ 69.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €372k
Equity
€66k▲ 9.4%
Debt
€306k▼ 7.9%
The debt ratio falls from 84.6% to 82.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
17.8%▲
2024 · 15.4%
Current ratio
1.22▲
2024 · 1.18
Quick ratio
0.07▼
2024 · 0.12
Debt / equity
4.62▼
2024 · 5.48
ROE
8.6%▼
2024 · 31.0%
ROA
1.5%▼
2024 · 4.8%
Debt
€306k▼
2024 · €332k
Debt ≤ 1 year
€306k▼
2024 · €332k
Income taxes
€2k
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€392k€372k▼
Current assets29/58€392k€372k▼
Stocks and contracts in progress3€352k€352k=
Stocks30/36€352k€352k=
Amounts receivable within one year40/41€39k€20k▼
Trade receivables40€39k-
Other amounts receivable41-€20k
Cash at bank and in hand54/58€1k-
Equity and liabilities
Total equity and liabilities10/49€392k€372k▼
Equity10/15€61k€66k▲
Contributions10/11€19k€19k=
Outside capital11€19k-
Other1109/19€19k-
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€40k€46k▲
Amounts payable17/49€332k€306k▼
Amounts payable within one year42/48€332k€306k▼
Financial debts43€17k€20k▲
Credit institutions430/8€17k€20k▲
Trade debts44€93k€78k▼
Suppliers440/4€93k€78k▼
Advances received on contracts in progress46€34k-
Taxes, remuneration and social security45€123k€208k▲
Taxes450/3€123k€208k▲
Remuneration and social security454/9€46-
Other amounts payable47/48€64k-
Income statement
Code20242025
Other operating charges640/8€413€591▲
Gross operating margin9900€36k€23k▼
Operating profit (loss)9901€35k€23k▼
Financial charges65/66B€17k€15k▼
Recurring financial charges65€17k€15k▼
Profit (loss) for the period before taxes9903€19k€8k▼
Income taxes67/77-€2k
Profit (loss) for the period9904€19k€6k▼
Profit (loss) for the period to be appropriated9905€19k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€46k▲
Profit (loss) brought forward from the previous period14P€21k€40k▲
The notes to these accounts (4 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
15-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 15 days late
11-05
Judicial reorganisation
Opening
Tribunal de l’entreprise francophone de Bruxelles · collectif_pme · event 21-04-2026
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 153 days late
2023
31-12
Financial
Weakest financial yearnet €-40k ▼1809%
Net result drops to €-40k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
23-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are 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, Sint-Agatha-Berchem · 2 establishment units since 2012
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.
Koning Albertlaan 11082 Sint-Agatha-BerchemGround area
751 m²
Building footprint
403 m²
Volume, LiDAR
3,177 m³
2 parcels, Brussels · tallest building 15.9 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
O.B.
since 20122.206.973.197
RAMO BEN
since 20192.288.993.033
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21342B0077/00R003 | Brussels | 660 m² | 1 · 311 m² | 14.8 m · 1 fl. |
| 21003A0314/00X007 | Brussels | 91 m² | 1 · 92 m² | 15.9 m · 5 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.
Similar companies · same sector, comparable size
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GROUPEMENT DE PARTICIPATIONS IMMOBILIERES
BE 0439.503.733
Sint-Lambrechts-Woluwe · Eq €67k
FIT POINT
BE 0871.460.470
Bocholt · Eq €67k
J.Y.M.
BE 0430.654.462
Florennes · Eq €70k
Of 881 companies in sector 77229 we hold annual accounts for 319. 237 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2011
Fiscal year end31-12
Activities, NACEBEL
77220Rental and leasing activities
77229Renting and leasing of other personal and household goods
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47721Retail sale of footwear
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.