Equity
€624,422 ▲ 57.8%
RAMON has made a profit without a break since 2013.
RAMON
Lifetime
19 annual accounts with figures on one time axis, 36 filings since 1990peak €343,484 (2025)
€343,484▲ 418%
lowest -€19,331 (2009)
€228,827▲ 491%
peak €624,422 (2025)
€624,422▲ 57.8%
€25,134▲ 29.0%
peak 0.7 FTE (2006)
-not published
Board2 names since 2019
1 directorRAMON Frans
Documentsfilings and deeds
07-07-202624 days before the deadline
2025micro format
Gross margin from €66,255 to €343,484Result from €38,732 to €228,827Equity from €395,596 to €624,422Debts from €19,479 to €25,134Cash from €272,283 to €641,538
Key points
from the 2025 annual accountsResult
€228,827 ▲ 491%
The result rose in 2025: mostly from a one-off income of €373,555.
Turnover
≈ €690,000 estimated
The micro format states no turnover.
Liquidity
25.83 was 20.08 in 2024
Short-term debts rose from €19,479 to €25,134.
Filings
36 annual accounts since 1990
Eight of the last ten came late. The 2019 accounts came latest: 70 days after the end of the period.
Position in the sector
96.1%
Higher solvency than 95% of companies in non-metallic mineral products. Sector median 48.5% · 431 companies.
Checked score
99
Excellent
Financially stronger than 93% of micro companies in non-metallic mineral products (NACE 23)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 856 companies (NACE 23, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: 0.1%▲ +0.1 percentage points vs 06-2025highest value
08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 25.83, cash €641,538
Equity €624,422 (96.1% of total assets)
Size: total assets €649,556
Sector: Manufacture of other non-metallic mineral products (NACE 23)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 23, micro). It does better than 89% of them on solvency, 98% on liquidity, 96% on profitability and 90% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 20,137 companies had the same profile as RAMON has now. Each dot stands for 51 companies, two years later.
95.1%
were still trading
4.7%
stopped another way
0.2%
went bankrupt
That fits the bankruptcy probability of RAMON itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 20,137 companies, not a prediction for RAMON. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €60,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 25.83 (20.08 in 2024), above the usual 1.5. Short-term debt is 3.9% and cash 98.8% of total assets. 3.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 days early
2024
28 days early
2023
22 days late
2022
31 days late
2021
31 days late
2020
31 days late
2019
70 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 19 days after the deadline. In the sector (NACE 23), the median for financial year 2024 was 10 days before the deadline, and 34% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 23 August (4 of the last 5 accounts filed within 47 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0439540751
Capital decrease of €300,000 to €79,000
Capital from €379,000 to €79,000 · Changes of role: RAMON Frans (statutory director) and MYLLE Christiane (statutory director) · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 08-11-2019 · Gazette deed
First establishment
RAMON SPRL, Langemarkweg 3, Comines-Warneton
Incorporation
published on 15-02-1990 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| RAMON Comines-Warneton | €0.6m | €0.3m | 96.1% | - |
| ISO 2 INDUSTRIE Waregem | €2.3m | €1.1m | 73.6% | 5 |
| Pirobouw Schoten | €4.5m | €1.6m | 61.6% | 7.8 |
| ENERGY SAVING SERVICES Ronse | €3.3m | €1.4m | 77.6% | 9.3 |
| ESEN TECHNICS Heusden-Zolder | €0.3m | €0.2m | 73.9% | - |
These companies have the same main activity as RAMON: manufacture of other non-metallic mineral products (NACE 23140). They are comparable in size and age: total assets between €300,000 and €4.5m, founded between 1969 and 2021.
Official details
Source: KBO- Status
- Active since 23-01-1990Normal situation
- Activity
- Manufacture of other non-metallic mineral productsNACE 23140and 1 other
- Establishment unit
- 2.046.982.1897780 Comines-Warneton, since 22-01-2001
- Financial year end
- 31 December
- Peppol
- Reachable since 27-11-2025
Annual accounts 2025
- €649,556▲ 56.5%
- Filing
- Filed on 07-07-2026, 24 days before the end of the filing period
Insights on RAMON
RAMON files the micro format. That format states no turnover. The gross margin rose from €128,183 in 2006 to €343,484 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about RAMON
- What is the company number of RAMON?
- The company number of RAMON is 0439.540.751. The VAT number is the same number with BE in front: BE 0439.540.751.
- Where is RAMON based?
- The registered office is at Langemarkweg 3, 7780 Comines-Warneton.Company details
- What does RAMON do?
- According to the KBO register, the main activity is manufacture of other non-metallic mineral products (NACE 23140).
- What is the legal form of RAMON?
- RAMON is a private limited company (BV).
- When was RAMON founded?
- RAMON was founded on 23-01-1990.
- Is RAMON still active?
- Yes, RAMON is an active enterprise in the KBO register.
- What is the turnover of RAMON?
- The turnover in financial year 2025 is ≈ €690,000. This figure is estimated from the gross margin of €343,484 and 879 comparable companies of the same size. It probably lies between €480,000 and €1.0m. It is a rough estimate.Financials
- Is RAMON profitable?
- In financial year 2025, RAMON made a profit of €228,827.
- Where can I find the annual accounts of RAMON?
- RAMON filed 36 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of RAMON due?
- RAMON must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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