RAMOS CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of RAMOS CONSTRUCT is 1.7% (moderate). The 2025 annual accounts show equity of €34,824 and a net result of €2,474. Equity is growing by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 62% of 28184 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability74▲+1
Solvency83▲+5
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 2.38 against 2.12 in 2024; short-term debt: 42% and cash: 2.2% of total assets), and 42% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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 · 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
58%
Return on assets
4.1%
Age of the figures
9 mo
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 12-07-2026, 19 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
19 d early
2024
31 d early
2023
33 d early
2022
33 d early
2021
30 d early
2020
30 d late
2019
221 d late
← 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 15 days after 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Equity
€34,824▲ 7.6%
2024 · €32,350
Total assets
€60,009▼ 0.8%
2024 · €60,515
Net result
€2,474▲ 13.3%
2024 · €2,184
Working capital
€34,668▲ 9.5%
2024 · €31,665
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-€16,001€8,201€1,720▼ 79.0%€3,256▲ 89.3%€3,862▲ 18.6%
Net result-€16,310below the sector's middle half€7,906within the sector's middle half€1,561within the sector's middle half▼ 80.3%€2,184within the sector's middle half▲ 39.9%€2,474within the sector's middle half▲ 13.3%
Equity€20,698within the sector's middle half▼ 44.1%€28,605within the sector's middle half▲ 38.2%€30,166within the sector's middle half▲ 5.5%€32,350within the sector's middle half▲ 7.2%€34,824within the sector's middle half▲ 7.6%
Total assets€57,735below the sector's middle half▼ 11.6%€52,936below the sector's middle half▼ 8.3%€55,694below the sector's middle half▲ 5.2%€60,515below the sector's middle half▲ 8.7%€60,009below the sector's middle half▼ 0.8%
Debt€37,036▲ 31.0%€24,331▼ 34.3%€25,528▲ 4.9%€28,165▲ 10.3%€25,185▼ 10.6%
Working capital€20,542▼ 44.3%€26,710▲ 30.0%€28,876▲ 8.1%€31,665▲ 9.7%€34,668▲ 9.5%
Solvency35.9%within the sector's middle half▼ 20.8pp54.0%within the sector's middle half▲ 18.2pp54.2%within the sector's middle half▲ 0.1pp53.5%within the sector's middle half▼ 0.7pp58.0%within the sector's middle half▲ 4.6pp
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
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 19% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60,009
Fixed assets
€156 ▼ 77.2%
Current assets
€59,853 =
Equity and liabilities €60,009
Equity
€34,824 ▲ 7.6%
Debt
€25,185 ▼ 10.6%
Debt's share of the balance-sheet total falls from 46.5% to 42.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€4,391▲
2024 · €3,861
Cash flow
€3,003▲
2024 · €2,789
Current ratio
2.38▲
2024 · 2.12
Debt to equity
0.72▼
2024 · 0.87
ROE
7.1%▲
2024 · 6.8%
ROA
4.1%▲
2024 · 3.6%
Interest coverage
8.91▲
2024 · 8.19
Debt ≤ 1 year
€25,185▼
2024 · €28,165
Income taxes
€903▲
2024 · €600
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,891 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.6%
went bankrupt
4.0%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 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% | 1.6% |
| 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 74% 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 10,891 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €76 | €605 | €605 | €529 | ▼ 12.6% |
| Other operating charges640/8 | €363 | €1,397 | €462 | €530 | €464 | ▼ 12.6% |
| Gross operating margin9900 | -€15,638 | €9,674 | €2,786 | €4,391 | €4,855 | ▲ 10.6% |
| Operating profit (loss)9901 | -€16,001 | €8,201 | €1,720 | €3,256 | €3,862 | ▲ 18.6% |
| Financial income75/76B | - | €42 | - | - | €7 | - |
| Recurring financial income75 | - | €42 | - | - | €7 | - |
| Financial charges65/66B | €197 | €336 | €158 | €472 | €493 | ▲ 4.5% |
| Recurring financial charges65 | €197 | €336 | €158 | €472 | €493 | ▲ 4.5% |
| Profit (loss) for the period before taxes9903 | -€16,198 | €7,906 | €1,561 | €2,784 | €3,377 | ▲ 21.3% |
| Income taxes67/77 | €112 | - | - | €600 | €903 | ▲ 50.4% |
| Profit (loss) for the period9904 | -€16,310 | €7,906 | €1,561 | €2,184 | €2,474 | ▲ 13.3% |
| Profit (loss) for the period to be appropriated9905 | -€16,310 | €7,906 | €1,561 | €2,184 | €2,474 | ▲ 13.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €57,735 | €52,936 | €55,694 | €60,515 | €60,009 | ▼ 0.8% |
| Fixed assets21/28 | €156 | €1,895 | €1,290 | €685 | €156 | ▼ 77.2% |
| Tangible fixed assets22/27 | - | €1,739 | €1,134 | €529 | - | - |
| Furniture and vehicles24 | - | €1,739 | €1,134 | €529 | - | - |
| Financial fixed assets28 | €156 | €156 | €156 | €156 | €156 | = |
| Current assets29/58 | €57,579 | €51,041 | €54,404 | €59,830 | €59,853 | = |
| Amounts receivable within one year40/41 | €57,005 | €44,038 | €48,644 | €57,319 | €58,551 | ▲ 2.2% |
| Trade receivables40 | €55,454 | €43,189 | €44,029 | €54,521 | €57,915 | ▲ 6.2% |
| Other amounts receivable41 | €1,551 | €849 | €4,616 | €2,798 | €637 | ▼ 77.2% |
| Cash at bank and in hand54/58 | €574 | €7,003 | €5,760 | €2,166 | €1,302 | ▼ 39.9% |
| Deferred charges and accrued income490/1 | - | - | - | €345 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €57,735 | €52,936 | €55,694 | €60,515 | €60,009 | ▼ 0.8% |
| Equity10/15 | €20,698 | €28,605 | €30,166 | €32,350 | €34,824 | ▲ 7.6% |
| Contributions10/11 | €8,200 | €8,200 | €8,200 | €8,200 | €8,200 | = |
| Capital10 | €8,200 | €8,200 | - | - | - | - |
| Issued capital100 | €20,600 | €20,600 | - | - | - | - |
| Uncalled capital101 | €12,400 | €12,400 | - | - | - | - |
| Reserves13 | €1,620 | €1,620 | €1,620 | €1,620 | €1,620 | = |
| Non-distributable reserves130/1 | €1,620 | €1,620 | €1,620 | €1,620 | - | - |
| Legal reserve130 | €1,620 | €1,620 | - | - | - | - |
| Other1319 | - | - | €1,620 | €1,620 | - | - |
| Distributable reserves133 | - | - | - | - | €1,620 | - |
| Profit (loss) carried forward14 | €10,878 | €18,785 | €20,346 | €22,530 | €25,004 | ▲ 11.0% |
| Amounts payable17/49 | €37,036 | €24,331 | €25,528 | €28,165 | €25,185 | ▼ 10.6% |
| Amounts payable within one year42/48 | €37,036 | €24,331 | €25,528 | €28,165 | €25,185 | ▼ 10.6% |
| Trade debts44 | €18,306 | €3,319 | €5,043 | €8,604 | €6,205 | ▼ 27.9% |
| Suppliers440/4 | €18,306 | €3,319 | €5,043 | €8,604 | €6,205 | ▼ 27.9% |
| Taxes, remuneration and social security45 | €3,366 | €2,988 | €2,276 | €2,171 | €1,823 | ▼ 16.0% |
| Taxes450/3 | - | €227 | €1,091 | €1,691 | €1,503 | ▼ 11.1% |
| Remuneration and social security454/9 | €3,366 | €2,761 | €1,185 | €480 | €320 | ▼ 33.3% |
| Other amounts payable47/48 | €15,364 | €18,024 | €18,210 | €17,390 | €17,158 | ▼ 1.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€16,310 | €7,906 | €1,561 | €2,184 | €2,474 | ▲ 13.3% |
| + Depreciation and write-downs630 | - | €76 | €605 | €605 | €529 | ▼ 12.6% |
| Operating cash flow (approximation) | -€16,310 | €7,982 | €2,166 | €2,789 | €3,003 | ▲ 7.7% |
| Investment in fixed assets (approximation) | - | -€1,815 | €0 | €0 | €0 | - |
| Change in cash | - | €6,429 | -€1,243 | -€3,594 | -€864 | ▲ 76.0% |
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
25-08
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- General meeting, 29-05-2026
- Registered-office move, Avenue Henri Jaspar, 114 bte 7, 1060 Bruxelles
12-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €7,906
Net result €7,906 after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet -€16,310
Net result drops to -€16,310, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
09-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 221 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
07-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 311 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2015
Ground area
959 m²
Building footprint
815 m²
Volume, LiDAR
15,612 m³
2 parcels, Brussels · tallest building 34.9 m, ±10 floors. Linked by address, not a title deed.
12
companies at this address
See who is registered here
1 establishment unit
RAMOS CONSTRUCT
since 20152.238.982.803
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0118/00T002 | Brussels | 752 m² | 1 · 705 m² | 34.9 m · 10 fl. |
| 21562A0444/00G003 | Brussels | 207 m² | 1 · 110 m² | 11.7 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BE 0822.946.317
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Of 3,960 companies in sector 43331 we hold annual accounts for 1,788. 1,505 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
Founded09-10-2014
Fiscal year end31-12
Activities, NACEBEL 2025
43331Floor and wall tiling
Contact
E-mail
rogerio.luis.ramos@gmail.comSint-Gillis (bij-Brussel)
Phone
0474/828946Sint-Gillis (bij-Brussel)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0563856347
Also
9925:BE0563856347
Registered
27-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.