Ramona Speed

Active

Private limited companyfounded 20205 yrs activeOude Molenstraat 85, 2400 Mol, BelgiumKBO/BCE: BE 0756.469.247

Summary

The computed 12-month bankruptcy probability of Ramona Speed is 3.7% (moderate). The 2024 annual accounts show equity of €107k and a net result of €31k. Equity is growing by ~38% per year across the filed fiscal years. Its solvency ranks better than 80% of 18941 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

78 / 100

Excellent

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability92▲+8

Solvency90▲+24

Growth78▲+26

Track record94

Bankruptcy probability, 12 months

3.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €8k at 30 days acceptable

Liquidity ample (current ratio 3.31 against 1.23 in 2023; short-term debt: 14.3% and cash: 44.1% of total assets), and 35.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit check for your own amount and term

Signals

Three signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-06-2025, 51 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

not confirmed

2024

51 d early

2023

110 d late

2022

4 d early

2021

18 d late

← before the deadline after the deadline →

Checked, nothing found (1)

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

Financials · fiscal year 2024, micro schema

Equity

€107k▲ 41.3%

2023 · €76k

2021: €44k 2022: €53k 2023: €76k

2021 → 2024

Total assets

€166k▼ 9.7%

2023 · €183k

2021: €197k 2022: €192k 2023: €183k

2021 → 2024

Net result

€31k▲ 37.8%

2023 · €23k

2021: €26k 2022: €9k 2023: €23k

2021 → 2024

Working capital

€55k▲ 297%

2023 · €14k

2021: €3k 2022: €7k 2023: €14k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€44k-€53k▲ 21.3%€76k▲ 42.7%€107k▲ 41.3%

Operating result€32k-€14k▼ 55.0%€32k▲ 122%€48k▲ 51.0%

Net result€26k-€9k▼ 63.7%€23k▲ 143%€31k▲ 37.8%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2022 the operating result has climbed two years in a row; 2024 is 51% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €166k

52.7%

47.3%

Fixed assets €87k ▼ 20.7%

Current assets €78k ▲ 6.9%

Equity and liabilities €166k

64.6%

35.4%

Equity €107k ▲ 41.3%

Debt €59k ▼ 45.5%

Debt's share of the balance-sheet total falls from 58.7% to 35.4%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€73k▲

2023 · €56k

Cash flow

€56k▲

2023 · €47k

Current ratio

3.31▲

2023 · 1.23

Quick ratio

3.27▲

2023 · 1.22

Debt to equity

0.55▼

2023 · 1.42

ROE

29.2%▼

2023 · 29.9%

ROA

18.9%▲

2023 · 12.4%

Interest coverage

30.17▲

2023 · 21.73

Debt ≤ 1 year

€24k▼

2023 · €60k

Debt > 1 year

€31k▼

2023 · €48k

Income taxes

€15k▲

2023 · €8k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2024 against 2023 · 48 lines

Balance sheet Code20232024

Assets

Total assets20/58€183k€166k▼

Fixed assets21/28€110k€87k▼

Tangible fixed assets22/27€110k€87k▼

Land and buildings22€49k-

Plant, machinery and equipment23€58k€41k▼

Furniture and vehicles24€3k€2k▼

Other tangible fixed assets26-€44k

Current assets29/58€73k€78k▲

Stocks and contracts in progress3€941€956▲

Stocks30/36€941€956▲

Amounts receivable within one year40/41€1k€1k▼

Trade receivables40€1k€764▼

Other amounts receivable41-€447

Cash at bank and in hand54/58€67k€73k▲

Deferred charges and accrued income490/1€4k€3k▼

Equity and liabilities

Total equity and liabilities10/49€183k€166k▼

Equity10/15€76k€107k▲

Contributions10/11€18k€18k=

Reserves13€54k€89k▲

Distributable reserves133€54k€89k▲

Profit (loss) carried forward14€4k€0▼

Amounts payable17/49€108k€59k▼

Amounts payable after more than one year17€48k€31k▼

Financial debts170/4€48k€31k▼

Amounts payable within one year42/48€60k€24k▼

Current portion of amounts payable after more than one year42€16k€17k▲

Trade debts44€41k€0▼

Suppliers440/4€41k€0▼

Taxes, remuneration and social security45€2k€877▼

Taxes450/3€2k€877▼

Other amounts payable47/48€200€6k▲

Accrued charges and deferred income492/3€82€4k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€25k▲

Other operating charges640/8€661€1k▲

Gross operating margin9900€57k€74k▲

Operating profit (loss)9901€32k€48k▲

Financial income75/76B€2k€103▼

Recurring financial income75€2k€103▼

Financial charges65/66B€3k€2k▼

Recurring financial charges65€3k€2k▼

Profit (loss) for the period before taxes9903€31k€46k▲

Income taxes67/77€8k€15k▲

Profit (loss) for the period9904€23k€31k▲

Profit (loss) for the period to be appropriated9905€23k€31k▲

Appropriation of the result

Profit (loss) to be appropriated9906€24k€35k▲

Profit (loss) brought forward from the previous period14P€1k€4k▲

Transfer to equity691/2€20k€35k▲

To other reserves6921€20k€35k▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 4Filings 4

2025

10-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2021net €31k ▲37.8%

Operating result €48k, net result €31k, both a record.

31-12

Financial Liquidity triplescurrent ratio 3.31

Current ratio from 1.23 to 3.31; short-term debt falls from €60k to €24k.

31-12

Financial Equity above €100kEq €107k ▲41.3%

4 profitable years in a row build equity to €107k.

18-11

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 110 days late

2023

27-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Weakest financial yearnet €9k ▼63.7%

Net result drops to €9k, the lowest in the series; recovery starts the following year.

18-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 18 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Mol · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Oude Molenstraat 852400 Mol

Ground area

1,120 m²

Building footprint

197 m²

Volume, LiDAR

626 m³

Parcel 13433E0190/00Y000, Flanders · tallest building 9.7 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

't Frithuys

Oude Molenstraat 85, 2400 MolRaising of horses and other equines

since 20202.308.785.684

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13433E0190/00Y000	Flanders	1,120 m²	1 · 197 m²	9.7 m · 1 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Mol2.308.785.684

1 permission

Toelating · Frituur · since 29-10-2020

Similar companies · same sector, comparable size

Antwerpen · Eq €106,927

FOOD CONCEPT

BE 0533.913.041

Brussel · Eq €106,960

Brussel · Eq €106,744

Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 7,732 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded12-10-2020

Fiscal year end31-12

Activities, NACEBEL 2025

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.

Contact details

2 entries

E-mail:carlo.vleugels@telenet.be

Enterprise

Phone:0475/940258

Enterprise