RAMO - WERBUNG
ActiveRAMO - WERBUNG has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €198k and a net result of €18k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 76% of 323 sector peers (fiscal year 2020). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▼-18
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.7 against 2.82 in 2024), and 29.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 18
Relative position
BE, all sectors
reference
Sector 18
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
70.8%
Return on assets
6.6%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 07-10-2025, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
12 d early
2023
40 d early
2022
21 d early
2021
25 d early
2020
on the day
2019
29 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close16-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, unclassified schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€18k▼ 29.1%
2024 · €26k
2019: €3k
2020: €17k
2021: €15k
2022: €15k
2023: €38k
2024: €26k
2019 → 2025
Working capital
€102k▲ 0.6%
2024 · €102k
2019: €87k
2020: €85k
2021: €93k
2022: €84k
2023: €110k
2024: €102k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€160k-€145k▼ 9.2%€184k▲ 26.4%€203k▲ 10.3%€198k▼ 2.1%
Operating result€13k-€22k▲ 70.8%€45k▲ 106%€34k▼ 23.8%€26k▼ 23.3%
Net result€15k-€15k▲ 0.9%€38k▲ 149%€26k▼ 32.1%€18k▼ 29.1%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €280k
Fixed assets
€117k▼ 19.7%
Current assets
€163k▲ 2.9%
Equity and liabilities €280k
Equity
€198k▼ 2.1%
Debt
€82k▼ 19.6%
The debt ratio falls from 33.4% to 29.2%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€67k▼
2024 · €84k
Cash flow
€60k▼
2024 · €76k
Solvency
70.8%▲
2024 · 66.6%
Current ratio
2.70▼
2024 · 2.82
Quick ratio
1.63▼
2024 · 1.64
Debt / equity
0.41▼
2024 · 0.50
ROE
9.3%▼
2024 · 12.8%
ROA
6.6%▼
2024 · 8.5%
Interest coverage
21.28▼
2024 · 21.70
Debt
€82k▼
2024 · €102k
Debt ≤ 1 year
€60k▲
2024 · €56k
Debt > 1 year
€22k▼
2024 · €46k
Income taxes
€6k▼
2024 · €9k
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€304k€280k▼
Fixed assets21/28€146k€117k▼
Tangible fixed assets22/27€146k€117k▼
Land and buildings22€58k€61k▲
Plant, machinery and equipment23€77k€45k▼
Furniture and vehicles24€11k€11k▲
Current assets29/58€158k€163k▲
Stocks and contracts in progress3€66k€64k▼
Stocks30/36€66k€64k▼
Amounts receivable within one year40/41€43k€43k▲
Trade receivables40€34k€36k▲
Other amounts receivable41€9k€7k▼
Cash at bank and in hand54/58€46k€52k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€304k€280k▼
Equity10/15€203k€198k▼
Contributions10/11€19k€19k=
Reserves13€82k€75k▼
Distributable reserves133€82k€75k▼
Profit (loss) carried forward14€101k€105k▲
Investment grants15€697-
Amounts payable17/49€102k€82k▼
Amounts payable after more than one year17€46k€22k▼
Financial debts170/4€46k€22k▼
Amounts payable within one year42/48€56k€60k▲
Current portion of amounts payable after more than one year42€29k€24k▼
Trade debts44€19k€8k▼
Suppliers440/4€19k€8k▼
Taxes, remuneration and social security45€5k€8k▲
Taxes450/3€5k€8k▲
Remuneration and social security454/9€362-
Other amounts payable47/48€4k€21k▲
Income statement
Code20242025
Remuneration, social security and pensions62€5k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€41k▼
Other operating charges640/8€7k€8k▲
Gross operating margin9900€96k€75k▼
Operating profit (loss)9901€34k€26k▼
Financial income75/76B€5k€1k▼
Recurring financial income75€5k€1k▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€35k€25k▼
Income taxes67/77€9k€6k▼
Profit (loss) for the period9904€26k€18k▼
Profit (loss) for the period to be appropriated9905€26k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€124k€120k▼
Profit (loss) brought forward from the previous period14P€98k€101k▲
Transfer from equity791/2-€22k
Transfer to equity691/2€20k€15k▼
To other reserves6921€20k€15k▼
Profit to be distributed694/7€3k€22k▲
Return on contributions (dividend)694-€22k
Directors or managers695€3k-
The notes to these accounts (6 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
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2025 · unclassified schema
2024
19-10
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
31-03
Financial
Equity above €200kEq €203k ▲10.3%
6 profitable years in a row build equity to €203k.
2023
21-09
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
31-03
Financial
Highest result since 2019net €38k ▲149%
Operating result €45k, net result €38k, both a record.
31-03
Financial
Equity above €150kEq €184k ▲26.4%
5 profitable years in a row build equity to €184k.
2022
10-10
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2021
06-10
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Equity above €150kEq €152k ▲12.8%
2 profitable years in a row build equity to €152k.
2019
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Raeren · 1 establishment unit since 1991
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.
Hagbenden 39b4731 Raeren1 establishment unit
RAMO - WERBUNG
since 19912.053.895.123
Similar companies · same sector, comparable size
Oblique
BE 0472.544.705
Harelbeke · Eq €198k
FCO MEDIA
BE 0461.651.803
Zwevegem · Eq €198k
Drukkerij Vermaercke
BE 0428.333.390
Deinze · Eq €200k
CREAPINS
BE 0464.950.890
Beveren-Kruibeke-Zwijndrecht · Eq €200k
P.Con
BE 0500.767.547
Ieper · Eq €201k
Of 1,601 companies in sector 18120 we hold annual accounts for 809. 622 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-07-1991
Fiscal year end31-03
Activities, NACEBEL
18120Other printing
18130Pre-press and pre-media services
22240
73110Advertising agencies
74401
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filings
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.