RAMOS DIAMONDS
ActiveRAMOS DIAMONDS has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €524k and a net result of €18k. Equity is shrinking by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 65% of 7955 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▲+30
Solvency84▼-3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.45 against 2.6 in 2024; short-term debt: 40.7% and cash: 13.6% of total assets), and 40.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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
59.3%
Return on assets
2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 14-05-2026, 78 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
78 d early
2024
55 d early
2023
59 d early
2022
82 d early
2021
63 d early
2020
80 d early
2019
76 d early
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€524k▲ 3.5%
2024 · €506k
2018: €870k
2019: €902k
2020: €852k
2021: €936k
2022: €1.02M
2023: €682k
2024: €506k
2018 → 2025
Total assets
€883k▲ 7.7%
2024 · €820k
2018: €1.15M
2019: €1.23M
2020: €1.16M
2021: €1.38M
2022: €1.60M
2023: €979k
2024: €820k
2018 → 2025
Net result
€18k
2024 · €-176k
2018: €33k
2019: €32k
2020: €-50k
2021: €84k
2022: €82k
2023: €-336k
2024: €-176k
2018 → 2025
Working capital
€521k▲ 3.3%
2024 · €504k
2018: €868k
2019: €901k
2020: €851k
2021: €935k
2022: €1.02M
2023: €679k
2024: €504k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€936k-€1.02M▲ 8.8%€682k▼ 33.0%€506k▼ 25.9%€524k▲ 3.5%
Operating result€79k-€89k▲ 12.4%€-323k€-195k▲ 39.8%€43k
Net result€84k-€82k▼ 2.1%€-336k€-176k▲ 47.4%€18k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €43k after a loss of €195k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €883k
Fixed assets
€3k▲ 85.8%
Current assets
€881k▲ 7.5%
Equity and liabilities €883k
Equity
€524k▲ 3.5%
Debt
€360k▲ 14.3%
The debt ratio rises from 38.3% to 40.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€45k▲
2024 · €-193k
Cash flow
€19k▲
2024 · €-175k
Solvency
59.3%▼
2024 · 61.7%
Current ratio
2.45▼
2024 · 2.60
Quick ratio
1.04▼
2024 · 1.35
Debt / equity
0.69▲
2024 · 0.62
ROE
3.4%▲
2024 · -34.9%
ROA
2.0%▲
2024 · -21.5%
Interest coverage
1.02▲
2024 · -19.69
Debt
€360k▲
2024 · €315k
Debt ≤ 1 year
€360k▲
2024 · €315k
Income taxes
€3k▲
2024 · €542
Staff costs
€37k▼
2024 · €38k
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€820k€883k▲
Fixed assets21/28€1k€3k▲
Tangible fixed assets22/27€1k€3k▲
Furniture and vehicles24€1k€3k▲
Current assets29/58€819k€881k▲
Stocks and contracts in progress3€395k€508k▲
Stocks30/36€395k€508k▲
Amounts receivable within one year40/41€169k€252k▲
Trade receivables40€161k€252k▲
Other amounts receivable41€7k€397▼
Cash at bank and in hand54/58€255k€120k▼
Deferred charges and accrued income490/1€504€163▼
Equity and liabilities
Total equity and liabilities10/49€820k€883k▲
Equity10/15€506k€524k▲
Contributions10/11€19k€19k=
Reserves13€487k€505k▲
Distributable reserves133€487k€505k▲
Amounts payable17/49€315k€360k▲
Amounts payable within one year42/48€315k€360k▲
Trade debts44€82k€112k▲
Suppliers440/4€82k€112k▲
Taxes, remuneration and social security45€5k€5k▲
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€227k€243k▲
Income statement
Code20242025
Remuneration, social security and pensions62€38k€37k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€-154k€83k▲
Operating profit (loss)9901€-195k€43k▲
Financial income75/76B€28k€21k▼
Recurring financial income75€28k€21k▼
Financial charges65/66B€10k€44k▲
Recurring financial charges65€10k€44k▲
Profit (loss) for the period before taxes9903€-176k€21k▲
Income taxes67/77€542€3k▲
Profit (loss) for the period9904€-176k€18k▲
Profit (loss) for the period to be appropriated9905€-176k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-176k€18k▲
Transfer from equity791/2€176k-
Transfer to equity691/2-€18k
To other reserves6921-€18k
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (5 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
2026
14-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €18k
Net result €18k after 2 loss-making years.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
02-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-336k ▼508%
Net result drops to €-336k, the lowest in the series; recovery starts the following year.
10-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €1MEq €1.02M ▲8.8%
2 profitable years in a row build equity to €1.02M.
29-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €84k
Net result €84k after one loss-making year.
12-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
16-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Antwerpen · 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.
Pelikaanstraat 782018 AntwerpenGround area
2,937 m²
Building footprint
2,012 m²
Volume, LiDAR
51,458 m³
Parcel 11808H1182/00F018, Flanders · tallest building 41.6 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
Pelikaanstraat 78, 2018 Antwerpen
since 19912.051.385.001
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1182/00F018 | Flanders | 2,937 m² | 1 · 2,012 m² | 41.6 m · 10 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
EMIEL VETS EN ZONEN
BE 0412.830.020
Antwerpen · Eq €526k
FIRST ELEMENT
BE 0534.592.437
Antwerpen · Eq €517k
BELGEM
BE 0837.339.632
Antwerpen · Eq €533k
DIABEX
BE 0460.287.962
Antwerpen · Eq €535k
SANDGEMS
BE 0452.004.954
Antwerpen · Eq €513k
Of 1,229 companies in sector 46861 we hold annual accounts for 678. 479 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-1991
Fiscal year end31-12
Activities, NACEBEL
46861Wholesale of diamonds and other precious stones
51561
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.