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Generated 13-08-2026
Active BE 0732.617.640Private limited company

RAMOS SIQUEIRA

Nieuwstraat 119 ·1620 Drogenbos, Belgium· 6 yrs active
Sector: Algemene bouw van residentiële gebouwen (41001)
Conclusion Checked

The computed 12-month bankruptcy probability of RAMOS SIQUEIRA is 3.8% (moderate). The 2022 annual accounts show equity of €7k and a net result of €11k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 34% of 2230 sector peers (fiscal year 2022). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.
Key figures
Equity €7k
Net result €11k
Better than sector 34%
Active 6 yrs
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health56Profitability100Solvency28Growth78Stability100
72 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 56
Profitability 100
Solvency 28
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
3.8% Moderate
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile +Young company +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2019, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2022 · computed
56 / 100 Fair
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2022. Indicative, not credit advice.
Financial overview4 NBB filings
Annual accounts filed on 26-06-2025 with the NBB · fiscal year 2022 · micro
€-5k€0€5k€10k€15kNet result 2019: €-1€-1Net result 2020: €-1€-1Operating result 2021: €-3k€-3kNet result 2021: €-4k€-4kOperating result 2022: €13k€13kNet result 2022: €11k€11k2019202020212022
Operating resultNet result
Sector comparison
Fiscal year 2022 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 21.4% 35.6%
better than 34% of 2230 sector peers
Net result €11k €10k
better than 51% of 2224 sector peers
Equity €7k €22k
better than 24% of 2235 sector peers
Gross operating margin €17k €25k
better than 40% of 2218 sector peers
Total assets €31k €73k
better than 23% of 2232 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€16k
- 19-22
Net profit
€11k
- 19-22
Cash flow
€14k
- 19-22
Total assets
€31k
-15.0% 19-22
Equity
€7k
- 19-22
Working capital
€-264
+98.1% 19-22
Income taxes
€2k
- 19-22
Debt
€24k
-39.8% 19-22
Debt ≤ 1y
€24k
-39.8% 19-22
Current ratio
0.99
+52.4% 19-22
Quick ratio
0.99
+52.4% 19-22
Solvency
21.4%
- 19-22
Debt / equity
3.67
- 19-22
ROE
159.7%
+59.7% 19-22
ROA
34.2%
- 19-22
Interest coverage
43.71
- 19-22
Figures by fiscal year
Fiscal year2022
Depositmicro
Revenue-
EBITDA€16k
Net profit€11k
Cash flow€14k
Staff costs-
Income taxes€2k
Dividends-
Total assets€31k
Equity€7k
Debt€24k
of which ≤ 1y€24k
of which > 1y-
Working capital€-264
Employees (FTE)-
Ratios (computed)
2022
Current ratio0.99
Quick ratio0.99
Working capital ratio-0.8%
Solvency21.4%
Debt / equity3.67
Long-term debt ratio-
Interest coverage43.71
Gross margin-
Net margin-
ROA34.2%
ROE159.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€31k
Fixed assets 21/28€7k
Tangible fixed assets 22/27€7k
Financial fixed assets 28€200
Current assets 29/58€24k
Amounts receivable within one year 40/41€20k
Cash & bank 54/58€4k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€31k
Equity 10/15€7k
Accumulated profits (losses) 14€7k
Amounts payable 17/49€24k
Amounts payable within one year 42/48€24k
Trade debts payable within one year 44€20k
Income statement
Gross operating margin 9900€17k
Operating result 9901€13k
Financial charges 65€377
Result before taxes 9903€13k
Income taxes 67/77€2k
Net result for the period 9904€11k
Result to be appropriated 9905€11k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 1 directors
Former directors (1)
  • Ramos Siqueira Lucia Aparecida
    Manager
    State Gazette act 23042385 (27-03-2023)
    Former
    01-03-2023 → 23-06-2025
    2 events
    • 23-06-2025 Resigned· Director
    • 01-03-2023 Appointed· Manager
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Algemene bouw van residentiële gebouwen(41001)
Legal form Private limited company(610)
Incorporation14-08-2019
StatusActive
Postal code1620
Establishment units 1 location
RAMOS SIQUEIRA
Langestraat 85, 1620 DrogenbosAlgemene bouw van residentiële gebouwen
since 20192.325.260.442
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
22001B0191/00N000 Flanders 2,147 m² 1 · 516 m² 17.7 m
22001B0106/00B003 Flanders 200 m² 1 · 111 m² 16.3 m · 5 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 6 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
26-06-2025
NBB filing Annual accounts filed
fiscal year 2022 · micro
23-06-2025
State Gazette act Director changes
correction
2023
27-03-2023
State Gazette act Director changes
2022
26-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
27-04-2022
NBB filing Annual accounts filed
fiscal year 2019 · micro
2021
14-10-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 1 year ago
2025
23-06-2025 Ramos Siqueira Lucia Aparecida resigns as director Director changescorrection
  • Ramos Siqueira Lucia Aparecida, Bestuurder
Technical details 
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  "events": [
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      "kind": "director_out",
      "role": "bestuurder",
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      },
      "reason": "rechtzetting",
      "subkind": "rectification",
      "via_org": null,
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      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De algemene vergadering aanvaardt de ontsiag van Mevrouw Ramos Siqueira Lucia Aparecida voor de functie als bestuurder en dit vanaf deze dag. Kwijting wordt gegeven voor haar mandaat",
      "decharge_status": null,
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    }
  ],
  "notary": {
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    "firm_name": null,
    "office_city": "Drogenbos",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-06-23",
    "filing_date": "2025-06-16",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2025-02-20",
      "unanimous": null
    }
  ],
  "is_correction": true,
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  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
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  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2023
27-03-2023 Ramos Siqueira Lucia Aparecida appointed as manager Director changes
  • Ramos Siqueira Lucia Aparecida, Zaakvoerder
Technical details 
{
  "events": [
    {
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      "role": "zaakvoerder",
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      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2023-03-01",
      "evidence_quote": "De algemene vergadering aanvaardt de benoeming van Mevrouw Ramos Siqueira Lucia Aparecida voor de functie als zaakvoerder en dit vanaf deze dag. Kwijting wordt gegeven aan hem voor zijn mandaat",
      "decharge_status": "granted",
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "board_snapshot",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Xavier Dos Santos Siqueira",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
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      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Drogenbos",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-03-27",
    "filing_date": "2023-03-17",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-03-01",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0732.617.640",
    "name_full": "RAMOS SIQUEIRA",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201
Primary activity highlighted.
Names & trade names
Legal nameNL RAMOS SIQUEIRA
Registered office
Nieuwstraat 119
1620 Drogenbos, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative