Ramoneur.be
ActiveSummary
Ramoneur.be has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €305,338 and a net result of -€15,682. Equity is growing by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 90% of 28254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability63▼-7
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24,000 at 30 days acceptable
Liquidity ample (current ratio 4.65 against 1.61 in 2024; short-term debt: 13.9% and cash: 27.7% of total assets), and 13.9% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
on the day
2023
on the day
2022
1 d early
2021
48 d early
2020
51 d early
2019
53 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 24 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 30 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#2 oldest company in Héron, Construction sector#3 company by equity in Héron, Construction sector#7 company by total assets in Héron, Construction sector
Equity
€305,338▼ 4.9%
2024 · €321,020
Total assets
€354,748▼ 11.8%
2024 · €402,415
Net result
-€15,682
2024 · €2,588
Working capital
€180,235▲ 305%
2024 · €44,511
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€49,309▲ 561%€85,660▲ 73.7%€96,363▲ 12.5%€5,609▼ 94.2%-€12,209
Net result€44,986above the sector's middle half▲ 873%€72,060above the sector's middle half▲ 60.2%€70,640above the sector's middle half▼ 2.0%€2,588within the sector's middle half▼ 96.3%-€15,682below the sector's middle half
Equity€247,491above the sector's middle half€318,132above the sector's middle half▲ 28.5%€321,020above the sector's middle half▲ 0.9%€305,338above the sector's middle half▼ 4.9%
Total assets€313,590above the sector's middle half▲ 13.4%€402,900above the sector's middle half▲ 28.5%€416,918above the sector's middle half▲ 3.5%€402,415above the sector's middle half▼ 3.5%€354,748above the sector's middle half▼ 11.8%
Debt€90,859▼ 8.0%€155,408▲ 71.0%€98,787▼ 36.4%€81,395▼ 17.6%€49,410▼ 39.3%
Working capital€146,377above the sector's middle half▲ 18.1%€91,530above the sector's middle half▼ 37.5%€139,631above the sector's middle half▲ 52.6%€44,511within the sector's middle half▼ 68.1%€180,235above the sector's middle half▲ 305%
Solvency61.4%within the sector's middle half76.3%above the sector's middle half▲ 14.9pp79.8%above the sector's middle half▲ 3.5pp86.1%above the sector's middle half▲ 6.3pp
Current ratio4.16above the sector's middle half▼ 0.221.73within the sector's middle half▼ 2.442.75within the sector's middle half▲ 1.021.61within the sector's middle half▼ 1.144.65above the sector's middle half▲ 3.04
Return on assets (ROA)14.3%within the sector's middle half▲ 12.7pp17.9%above the sector's middle half▲ 3.5pp16.9%within the sector's middle half▼ 0.9pp0.6%within the sector's middle half▼ 16.3pp-4.4%below the sector's middle half▼ 5.1pp
Staff (FTE)10.8
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €12,209 after €5,609 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €354,748
Fixed assets
€125,103 ▼ 56.1%
Current assets
€229,645 ▲ 95.2%
Equity and liabilities €354,748
Equity
€305,338 ▼ 4.9%
Debt
€49,410 ▼ 39.3%
Debt's share of the balance-sheet total falls from 20.2% to 13.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€37,020▼
2024 · €55,201
Cash flow
€33,548▼
2024 · €52,179
Quick ratio
4.37▲
2024 · 1.37
Debt to equity
0.16▼
2024 · 0.25
ROE
-5.1%▼
2024 · 0.8%
Interest coverage
84.57▼
2024 · 102.14
Debt ≤ 1 year
€49,410▼
2024 · €73,150
Debt > 1 year
€0▼
2024 · €8,245
Income taxes
€3,584▼
2024 · €3,882
Staff costs
€47,416▲
2024 · €20,265
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.5%
stopped otherwise
90%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 12,321 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €10,968 | €11,800 | €12,505 | €20,265 | €47,416 | ▲ 134% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €24,754 | €31,870 | €45,198 | €49,592 | €49,230 | ▼ 0.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €16,928 | - | - | - | - | - |
| Other operating charges640/8 | €464 | €348 | €384 | €387 | €1,051 | ▲ 171% |
| Gross operating margin9900 | €102,423 | €129,678 | €154,450 | €75,853 | €85,487 | ▲ 12.7% |
| Operating profit (loss)9901 | €49,309 | €85,660 | €96,363 | €5,609 | -€12,209 | ▼ 318% |
| Financial income75/76B | €1,037 | €2,015 | €2,511 | €1,401 | €549 | ▼ 60.8% |
| Recurring financial income75 | €1,037 | €2,015 | €2,511 | €1,401 | €549 | ▼ 60.8% |
| Financial charges65/66B | €960 | €796 | €680 | €540 | €438 | ▼ 19.0% |
| Recurring financial charges65 | €960 | €796 | €680 | €540 | €438 | ▼ 19.0% |
| Profit (loss) for the period before taxes9903 | €49,386 | €86,879 | €98,193 | €6,470 | -€12,099 | ▼ 287% |
| Income taxes67/77 | €4,400 | €14,819 | €27,553 | €3,882 | €3,584 | ▼ 7.7% |
| Profit (loss) for the period9904 | €44,986 | €72,060 | €70,640 | €2,588 | -€15,682 | ▼ 706% |
| Profit (loss) for the period to be appropriated9905 | €44,986 | €72,060 | €70,640 | €2,588 | -€15,682 | ▼ 706% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €313,590 | €402,900 | €416,918 | €402,415 | €354,748 | ▼ 11.8% |
| Fixed assets21/28 | €120,962 | €185,864 | €197,633 | €284,755 | €125,103 | ▼ 56.1% |
| Tangible fixed assets22/27 | €120,256 | €185,168 | €196,935 | €284,051 | €124,396 | ▼ 56.2% |
| Land and buildings22 | €79,613 | €74,999 | €70,384 | €81,842 | €75,767 | ▼ 7.4% |
| Plant, machinery and equipment23 | €16,333 | €64,057 | €87,189 | €62,981 | €30,346 | ▼ 51.8% |
| Furniture and vehicles24 | €23,807 | €45,691 | €34,304 | €24,727 | €14,338 | ▼ 42.0% |
| Other tangible fixed assets26 | - | - | - | €4,501 | €3,945 | ▼ 12.4% |
| Assets under construction and advance payments27 | €503 | €422 | €5,058 | €110,000 | €0 | ▼ 100% |
| Financial fixed assets28 | €706 | €696 | €698 | €703 | €708 | ▲ 0.6% |
| Current assets29/58 | €192,628 | €217,036 | €219,285 | €117,661 | €229,645 | ▲ 95.2% |
| Amounts receivable after more than one year29 | €23,157 | €25,503 | €21,691 | - | - | - |
| Other amounts receivable291 | €23,157 | €25,503 | €21,691 | - | - | - |
| Stocks and contracts in progress3 | €13,586 | €27,690 | €28,451 | €17,661 | €13,586 | ▼ 23.1% |
| Stocks30/36 | €13,586 | €27,690 | €28,451 | €17,661 | €13,586 | ▼ 23.1% |
| Amounts receivable within one year40/41 | €15,291 | €20,315 | €15,945 | €20,065 | €4,928 | ▼ 75.4% |
| Trade receivables40 | €7,510 | €12,032 | €9,474 | €15,282 | €0 | ▼ 100% |
| Other amounts receivable41 | €7,781 | €8,284 | €6,471 | €4,783 | €4,928 | ▲ 3.0% |
| Current investments50/53 | - | - | - | - | €110,000 | - |
| Cash at bank and in hand54/58 | €138,461 | €141,374 | €149,634 | €76,277 | €98,190 | ▲ 28.7% |
| Deferred charges and accrued income490/1 | €2,133 | €2,153 | €3,563 | €3,658 | €2,941 | ▼ 19.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €313,590 | €402,900 | €416,918 | €402,415 | €354,748 | ▼ 11.8% |
| Equity10/15 | - | €247,491 | €318,132 | €321,020 | €305,338 | ▼ 4.9% |
| Contributions10/11 | €17,352 | €17,353 | €17,353 | €17,353 | €17,353 | = |
| Capital10 | €17,352 | €17,353 | €17,353 | - | - | - |
| Issued capital100 | €24,789 | €24,789 | €24,789 | - | - | - |
| Uncalled capital101 | - | €7,437 | €7,437 | - | - | - |
| Reserves13 | €140,961 | €165,661 | €236,261 | €236,261 | €303,367 | ▲ 28.4% |
| Non-distributable reserves130/1 | €2,479 | €2,479 | €2,479 | €2,479 | €299,079 | ▲ 11,965% |
| Legal reserve130 | €2,479 | €2,479 | €2,479 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €2,479 | €299,079 | ▲ 11,965% |
| Distributable reserves133 | €138,482 | €163,182 | €233,782 | €233,782 | €4,288 | ▼ 98.2% |
| Profit (loss) carried forward14 | €64,418 | €64,478 | €64,518 | €67,407 | -€15,382 | ▼ 123% |
| Amounts payable17/49 | €90,859 | €155,408 | €98,787 | €81,395 | €49,410 | ▼ 39.3% |
| Amounts payable after more than one year17 | €44,608 | €29,902 | €19,133 | €8,245 | €0 | ▼ 100% |
| Financial debts170/4 | €44,608 | €29,902 | €19,133 | €8,245 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €46,251 | €125,506 | €79,654 | €73,150 | €49,410 | ▼ 32.5% |
| Current portion of amounts payable after more than one year42 | €17,443 | €14,706 | €10,769 | €10,880 | €8,239 | ▼ 24.3% |
| Trade debts44 | €14,187 | €27,625 | €9,848 | €27,343 | €17,779 | ▼ 35.0% |
| Suppliers440/4 | €14,187 | €27,625 | €9,848 | €27,343 | €17,779 | ▼ 35.0% |
| Advances received on contracts in progress46 | - | €8,055 | €5,407 | - | - | - |
| Taxes, remuneration and social security45 | €10,008 | €26,822 | €53,629 | €34,927 | €23,391 | ▼ 33.0% |
| Taxes450/3 | €6,986 | €22,774 | €44,452 | €26,002 | €6,783 | ▼ 73.9% |
| Remuneration and social security454/9 | €3,022 | €4,049 | €9,177 | €8,925 | €16,609 | ▲ 86.1% |
| Other amounts payable47/48 | €4,613 | €48,298 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €44,986 | €72,060 | €70,640 | €2,588 | -€15,682 | ▼ 706% |
| + Depreciation and write-downs630 | €24,754 | €31,870 | €45,198 | €49,592 | €49,230 | ▼ 0.7% |
| Operating cash flow (approximation) | €69,740 | €103,930 | €115,838 | €52,179 | €33,548 | ▼ 35.7% |
| Investment in fixed assets (approximation) | - | -€96,773 | -€56,967 | -€136,713 | €110,421 | ▲ 181% |
| Change in cash | - | €2,913 | €8,260 | -€73,357 | €21,913 | ▲ 130% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 4.65
Current ratio from 1.61 to 4.65; short-term debt falls from €73,150 to €49,410.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €72,060 ▲60.2%
Net result €72,060, the highest in the series.
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €14,167
Net result €14,167 after one loss-making year.
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-06
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.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Héron · 1 establishment unit since 1991
Ground area
1,156 m²
Building footprint
96 m²
Volume, LiDAR
936 m³
Parcel 61015B0344/00M000, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
HOBBY FUN
since 19912.051.479.031
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61015B0344/00M000 | Wallonia | 1,156 m² | 1 · 96 m² | 11.0 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 20,026 companies in sector 43320 we hold annual accounts for 9,139. 6,865 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded03-11-1990
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
47640Retail sale of games and toys
43410Roofing work
E-invoicing
Reachable via Peppol
Peppol ID
0208:0442282980
Registered
30-08-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.