RAMOWAS
ActiveRAMOWAS has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €477k and a net result of €43k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 48% of 1038 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (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
Profitability72▼-28
Solvency55▼-45
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 3.78 in 2024; short-term debt: 7.7% and cash: 3.2% of total assets), and 69.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
30.2%
Return on assets
2.7%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €477k
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
34 d early
2023
36 d early
2022
26 d early
2021
4 d early
2020
33 d early
2019
8 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
€477k▲ 9.8%
2024 · €434k
2018: €16k
2019: €956
2020: €10k
2021: €16k
2022: €177k
2023: €297k
2024: €434k
2018 → 2025
Total assets
€1.58M▲ 190%
2024 · €544k
2018: €289k
2019: €321k
2020: €275k
2021: €259k
2022: €330k
2023: €388k
2024: €544k
2018 → 2025
Net result
€43k▼ 68.9%
2024 · €137k
2018: €-16k
2019: €-15k
2020: €9k
2021: €6k
2022: €161k
2023: €120k
2024: €137k
2018 → 2025
Working capital
€32k▼ 88.9%
2024 · €287k
2018: €-190k
2019: €-188k
2020: €-160k
2021: €-122k
2022: €55k
2023: €190k
2024: €287k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€177k▲ 1,003%€297k▲ 68.0%€434k▲ 46.2%€477k▲ 9.8%
Operating result€13k-€167k▲ 1,149%€144k▼ 13.6%€195k▲ 34.9%€68k▼ 64.9%
Net result€6k-€161k▲ 2,723%€120k▼ 25.2%€137k▲ 14.3%€43k▼ 68.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 65% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.58M
Fixed assets
€1.43M▲ 823%
Current assets
€153k▼ 60.7%
Equity and liabilities €1.58M
Equity
€477k▲ 9.8%
Debt
€1.10M▲ 901%
The debt ratio rises from 20.2% to 69.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€92k▼
2024 · €212k
Cash flow
€66k▼
2024 · €155k
Solvency
30.2%▼
2024 · 79.8%
Current ratio
1.26▼
2024 · 3.78
Quick ratio
1.23▼
2024 · 3.74
Debt / equity
2.31▲
2024 · 0.25
ROE
9.0%▼
2024 · 31.6%
ROA
2.7%▼
2024 · 25.2%
Interest coverage
16.61▼
2024 · 1443.29
Debt
€1.10M▲
2024 · €110k
Debt ≤ 1 year
€121k▲
2024 · €103k
Debt > 1 year
€966k▲
2024 · €0
Income taxes
€20k▼
2024 · €57k
Staff costs
€79k▲
2024 · €71k
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€544k€1.58M▲
Fixed assets21/28€155k€1.43M▲
Tangible fixed assets22/27€155k€179k▲
Land and buildings22€89k€86k▼
Plant, machinery and equipment23€65k€49k▼
Furniture and vehicles24€26€2k▲
Leasing and similar rights25-€41k
Financial fixed assets28€0€1.25M▲
Current assets29/58€390k€153k▼
Stocks and contracts in progress3€4k€4k▼
Stocks30/36€4k€4k▼
Amounts receivable within one year40/41€57k€92k▲
Trade receivables40€56k€41k▼
Other amounts receivable41€1k€51k▲
Cash at bank and in hand54/58€322k€51k▼
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€544k€1.58M▲
Equity10/15€434k€477k▲
Contributions10/11€270k€270k=
Capital10€270k€270k=
Issued capital100€270k€270k=
Reserves13€164k€207k▲
Non-distributable reserves130/1€10k€13k▲
Legal reserve130€10k€13k▲
Distributable reserves133€154k€194k▲
Amounts payable17/49€110k€1.10M▲
Amounts payable after more than one year17€0€966k▲
Financial debts170/4€0€33k▲
Other amounts payable178/9-€933k
Amounts payable within one year42/48€103k€121k▲
Current portion of amounts payable after more than one year42€0€8k▲
Trade debts44€32k€65k▲
Suppliers440/4€32k€65k▲
Taxes, remuneration and social security45€71k€48k▼
Taxes450/3€59k€33k▼
Remuneration and social security454/9€11k€15k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€7k€16k▲
Income statement
Code20242025
Non-recurring operating income76A€41k€2k▼
Remuneration, social security and pensions62€71k€79k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€23k▲
Other operating charges640/8€25k€6k▼
Gross operating margin9900€308k€177k▼
Operating profit (loss)9901€195k€68k▼
Financial income75/76B€72€17▼
Recurring financial income75€72€17▼
Financial charges65/66B€147€6k▲
Recurring financial charges65€147€6k▲
Profit (loss) for the period before taxes9903€195k€63k▼
Income taxes67/77€57k€20k▼
Profit (loss) for the period9904€137k€43k▼
Profit (loss) for the period to be appropriated9905€137k€43k▼
Appropriation of the result
Profit (loss) to be appropriated9906€137k€43k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€137k€43k▼
To the legal reserve6920€7k€3k▼
To other reserves6921€130k€40k▼
The notes to these accounts (10 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 3.14
Current ratio from 1.38 to 3.14; short-term debt falls from €142k to €89k.
31-12
Financial
Equity above €200kEq €297k ▲68%
4 profitable years in a row build equity to €297k.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €161k ▲2723%
Net result €161k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 1.38
Current ratio from 0.44 to 1.38; short-term debt falls from €220k to €142k.
31-12
Financial
Equity above €150kEq €177k ▲1003%
3 profitable years in a row build equity to €177k.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
01-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-07
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
6 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, Pajottegem · 9 establishment units since 1984
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.
Oude Geraardsbergse baan 161755 PajottegemGround area
3,773 m²
Building footprint
2,135 m²
Volume, LiDAR
19,048 m³
10 parcels, Flanders, Wallonia · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
9 establishment units
RAMOWAS
since 19842.023.884.907
Naamsesteenweg 32, 3001 Leuven
since 19842.023.884.808
RAMOWAS
since 19922.023.885.006
RAMOWAS
since 19922.023.885.105
Nieuwstraat 3, 1745 Opwijk
since 19972.301.081.015
Rue de Nivelles 10, 1440 Braine-le-Château
since 20042.301.081.213
Show 3 more locations
Brusselsesteenweg 580, 1731 Asse
since 20102.301.080.520
A. De Cockstraat 2b, 9470 Denderleeuw
since 20112.301.080.718
Kerkhofstraat 198, 1840 Londerzeel
since 20152.301.080.619
10 parcels
Flanders
9
(90%)
Wallonia
1
(10%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24433E0339/00T000 | Flanders | 1,076 m² | 1 · 968 m² | 14.5 m · 4 fl. |
| 23024E0829/00A000 | Flanders | 620 m² | 1 · 272 m² | 9.0 m · 2 fl. |
| 24483E0235/00M017 | Flanders | 456 m² | 1 · 106 m² | 10.5 m · 2 fl. |
| 23045D0418/00B003 | Flanders | 412 m² | 1 · 155 m² | 10.8 m · 2 fl. |
| 23752F0082/00F003 | Flanders | 410 m² | 1 · 108 m² | 10.7 m · 2 fl. |
| 23095B0185/00V002 | Flanders | 256 m² | - | - |
| 41011A1344/00D002 | Flanders | 183 m² | 1 · 187 m² | 10.2 m · 3 fl. |
| 25015A0397/00T002 | Wallonia | 132 m² | 1 · 128 m² | 11.4 m · 3 fl. |
| 24504E0501/00G000 | Flanders | 128 m² | 1 · 128 m² | 13.1 m · 2 fl. |
| 24062A0817/00M002 | Flanders | 99 m² | 1 · 82 m² | 12.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 9
10 of 10 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 4,000 EUR awarded · 4,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 1,001 companies in sector 96102 we hold annual accounts for 460. 232 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-11-1983
Fiscal year end31-12
Abbreviation NL
R.M.W.
Activities, NACEBEL
93011
93012
96101Personal service activities
96102Launderettes and laundries for private customers
Sources
Crossroads Bank for EnterprisesNational Bank · 41 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.