Ramos Services, Resources and Systems
ActiveSummary
The computed 12-month bankruptcy probability of Ramos Services, Resources and Systems is 1.9% (moderate). The 2025 annual accounts show negative equity (€-18k) and a net result of €-39k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 17043 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
20
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-47
Solvency0▼-74
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.42 against 1.73 in 2024; short-term debt: 189.4% and cash: 10.3% of total assets), and equity is negative.
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-90.8%
Return on assets
-198%
Age of the figures
15 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-18k
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 11-02-2026, 11 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
11 d late
2024
40 d late
2023
on the day
2022
9 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-18k
2024 · €21k
2022: €18k
2023: €19k
2024: €21k
2022 → 2025
Total assets
€20k▼ 54.5%
2024 · €44k
2022: €61k
2023: €51k
2024: €44k
2022 → 2025
Net result
€-39k
2024 · €2k
2022: €13k
2023: €2k
2024: €2k
2022 → 2025
Working capital
€-22k
2024 · €16k
2022: €36k
2023: €31k
2024: €16k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€18k-€19k▲ 10.4%€21k▲ 10.5%€-18k
Operating result€19k-€4k▼ 77.0%€7k▲ 67.3%€-37k
Net result€13k-€2k▼ 85.1%€2k▲ 9.3%€-39k
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 €37k after €7k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €20k
Fixed assets
€4k ▼ 14.9%
Current assets
€16k ▼ 59.5%
Key figures and ratios
EBITDA
€-36k▼
2024 · €8k
Cash flow
€-39k▼
2024 · €3k
Solvency
-90.8%▼
2024 · 48.7%
Current ratio
0.42▼
2024 · 1.73
Debt to equity
-2.10▼
2024 · 1.05
ROA
-198.0%▼
2024 · 4.7%
Interest coverage
-13.45▼
2024 · 2.71
Debt
€38k▲
2024 · €22k
Debt ≤ 1 year
€38k▲
2024 · €22k
Income taxes
€175▼
2024 · €2k
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 · 2025 against 2024 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€44k€20k▼
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Land and buildings22€1k€1k▼
Plant, machinery and equipment23€1k€731▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€39k€16k▼
Amounts receivable within one year40/41€31k€14k▼
Trade receivables40€31k€13k▼
Other amounts receivable41€45€1k▲
Cash at bank and in hand54/58€8k€2k▼
Deferred charges and accrued income490/1€53-
Equity and liabilities
Total equity and liabilities10/49€44k€20k▼
Equity10/15€21k€-18k▼
Contributions10/11€5k€5k=
Outside capital11€5k€5k=
Other1109/19€5k€5k=
Profit (loss) carried forward14€16k€-23k▼
Amounts payable17/49€22k€38k▲
Amounts payable within one year42/48€22k€38k▲
Trade debts44€152€173▲
Suppliers440/4€152€173▲
Taxes, remuneration and social security45€7k€931▼
Taxes450/3€7k€931▼
Other amounts payable47/48€15k€37k▲
Accrued charges and deferred income492/3-€276
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€600€728▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€11k€-34k▼
Operating profit (loss)9901€7k€-37k▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€4k€-39k▼
Income taxes67/77€2k€175▼
Profit (loss) for the period9904€2k€-39k▼
Profit (loss) for the period to be appropriated9905€2k€-39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€-23k▼
Profit (loss) brought forward from the previous period14P€14k€16k▲
The notes to these accounts (3 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
11-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
30-06
Financial
Weakest financial yearnet €-39k ▼2037%
Net result drops to €-39k, the lowest in the series.
12-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 40 days late
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sint-Lambrechts-Woluwe · 1 establishment unit since 2021
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.
Meilaan 91200 Sint-Lambrechts-WoluweGround area
88 m²
Building footprint
39 m²
Volume, LiDAR
472 m³
Parcel 21673D0074/00V005, Brussels · tallest building 12.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Ramos Services, Resources and Systems
since 20212.325.417.325
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21673D0074/00V005 | Brussels | 88 m² | 1 · 39 m² | 12.8 m · 4 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.
Similar companies · same sector, comparable size
DATUMO
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Custers Consults
BE 0721.650.801
Leuven · Eq €21,347
VK-IT Solutions
BE 0680.539.726
Rumst · Eq €21,342
R.I.C.'S
BE 0455.284.742
Soignies · Eq €21,386
IMPACT ASSOCIATES
BE 0767.704.322
Hoegaarden · Eq €21,331
Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 13,244 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
Founded30-06-2021
Fiscal year end30-06
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
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
1 entryE-mail:info@ramosrios.com