RAMO BOUW
ActiveThe computed 12-month bankruptcy probability of RAMO BOUW is 2.8% (moderate). The 2024 annual accounts show equity of €29k and a net result of €6k. Its solvency ranks better than 49% of 36373 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability61▼-39
Solvency70▼-30
Growth52
Track record94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity ample (current ratio 1.83 against 4.73 in 2023; short-term debt: 54.6% and cash: 6% of total assets), but 54.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
45.4%
Return on assets
9.5%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-11-2025, 109 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
109 d late
2023
29 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€29k▲ 26.4%
2023 · €23k
2023: €23k
2023 → 2024
Total assets
€63k▲ 119%
2023 · €29k
2023: €29k
2023 → 2024
Net result
€6k▼ 69.6%
2023 · €20k
2023: €20k
2023 → 2024
Working capital
€29k▲ 26.4%
2023 · €23k
2023: €23k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€23k-€29k▲ 26.4%
Operating result€25k-€8k▼ 69.6%
Net result€20k-€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 2024; 2024 is 70% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €63k
Equity
€29k▲ 26.4%
Debt
€34k▲ 466%
The debt ratio rises from 21.2% to 54.6%. Equity and debt are higher.
Key figures and ratios
Solvency
45.4%▼
2023 · 78.8%
Current ratio
1.83▼
2023 · 4.73
Quick ratio
1.83▼
2023 · 4.73
Debt / equity
1.20▲
2023 · 0.27
ROE
20.9%▼
2023 · 86.7%
ROA
9.5%▼
2023 · 68.4%
Debt
€34k▲
2023 · €6k
Debt ≤ 1 year
€34k▲
2023 · €6k
Income taxes
€1k▼
2023 · €5k
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€29k€63k▲
Current assets29/58€29k€63k▲
Amounts receivable within one year40/41€28k€59k▲
Trade receivables40€300€53k▲
Other amounts receivable41€28k€6k▼
Cash at bank and in hand54/58€3€4k▲
Deferred charges and accrued income490/1€455-
Equity and liabilities
Total equity and liabilities10/49€29k€63k▲
Equity10/15€23k€29k▲
Reserves13€3k€3k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€20k€26k▲
Amounts payable17/49€6k€34k▲
Amounts payable within one year42/48€6k€34k▲
Trade debts44€1k€28k▲
Suppliers440/4€1k€28k▲
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€5k€7k▲
Income statement
Code20232024
Other operating charges640/8€1k€1k▲
Gross operating margin9900€26k€9k▼
Operating profit (loss)9901€25k€8k▼
Financial charges65/66B€295€74▼
Recurring financial charges65€295€74▼
Profit (loss) for the period before taxes9903€24k€7k▼
Income taxes67/77€5k€1k▼
Profit (loss) for the period9904€20k€6k▼
Profit (loss) for the period to be appropriated9905€20k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€26k▲
Profit (loss) brought forward from the previous period14P-€20k
Timeline · acts, filings and financial milestones
2025
17-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 109 days late
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
NBB filing
Directors · office · real estate
Directors
3 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
1 establishment unit since 2022
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.
Ground area
3,258 m²
Building footprint
1,719 m²
Volume, LiDAR
10,794 m³
Parcel 11463D0153/00K000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RAMO BOUW
since 20222.332.389.249
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11463D0153/00K000 | Flanders | 3,258 m² | 1 · 1,719 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,097 companies in sector 43240 we hold annual accounts for 1,631. 1,225 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-06-2022
Fiscal year end31-12
Activities, NACEBEL
43240Other construction installation
43110Demolition
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.