Equity
RAMSIT paid out €22,731 in dividends. That is 75% of the 2025 profit.
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 67% of them on solvency, 76% on liquidity, 57% on profitability and 37% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 34,693 companies had the same profile as RAMSIT has now. Each dot stands for 87 companies, two years later.
That fits the bankruptcy probability of RAMSIT itself: < 0.1% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for RAMSIT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is ample, with a current ratio of 3.68 (3.72 in 2024), above the usual 1.5. Short-term debt is 26.8% and cash 94.1% of total assets. 26.8% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 5 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| RAMSIT Antwerp | €157,819 | €42,027 | 73.2% | - |
| RGW IT SERVICES Kasterlee | €162,606 | €45,645 | 58.5% | - |
| Gemasol Duffel | €165,768 | €49,811 | 68.8% | - |
| ROBODD Creations Sint-Katelijne-Waver | €156,061 | €52,042 | 82.2% | - |
| REACKTION Ganshoren | €150,923 | €44,232 | 85.7% | - |
| C50-DYNAMIC DESIGN Incourt | €151,806 | €42,019 | 57.7% | - |
| KYC CONSULTING Waterloo | €151,166 | €41,323 | 43.6% | - |
These companies have the same main activity as RAMSIT: computer programming (NACE 62100). They are comparable in size and age: total assets between €151,000 and €166,000, founded between 2013 and 2016.
RAMSIT files the abbreviated format. That format states no turnover. The gross margin fell from €62,107 in 2015 to €42,027 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €140,000. Estimated: probably between €110,000 and €200,000.
Higher than 74% of 3,406 companies in 2025.
Higher than 74% of 3,267 companies in 2025.
Higher than 72% of 3,315 companies in 2025.
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||||||||
20/58 |
157,819 | 160,153 | 159,382 | 144,217 | 154,695 | 146,559 | 121,533 | 105,478 | 92,577 | 76,506 | 62,646 | |
21/28 |
2,063 | 3,222 | 5,214 | 3,487 | 7,541 | 8,553 | 1,833 | 3,212 | 5,214 | 7,089 | 5,596 | |
22/27 |
1,913 | 3,072 | 5,064 | 3,337 | 7,391 | 8,403 | 1,683 | 3,062 | 5,064 | 6,939 | 5,446 | |
23 |
- | - | - | 87 | 183 | 279 | - | - | - | - | - | |
24 |
1,913 | 3,072 | 5,052 | 3,116 | 6,950 | 7,744 | 1,180 | 2,433 | 4,278 | 5,956 | 5,446 | |
26 |
- | - | 12 | 135 | 257 | 380 | 503 | 629 | 786 | 982 | - | |
28 |
150 | 150 | 150 | 150 | 150 | 150 | 150 | 150 | 150 | 150 | 150 | |
29/58 |
155,756 | 156,931 | 154,168 | 140,729 | 147,154 | 138,005 | 119,700 | 102,266 | 87,363 | 69,417 | 57,050 | |
40/41 |
3,868 | 1,624 | 1,974 | 2,931 | 12,435 | 16,600 | 18,012 | 41,007 | 10,730 | 41,874 | 15,781 | |
40 |
1,400 | - | - | - | 10,229 | 15,100 | 16,512 | 27,677 | 1,120 | 28,949 | 11,600 | |
41 |
2,468 | 1,624 | 1,974 | 2,931 | 2,206 | 1,500 | 1,500 | 13,330 | 9,609 | 12,924 | 4,181 | |
54/58 |
148,457 | 155,210 | 151,972 | 137,798 | 134,719 | 119,066 | 101,688 | 61,258 | 76,633 | 27,544 | 41,269 | |
490/1 |
3,431 | 98 | 222 | - | - | 2,339 | - | - | - | - | - | |
| Balance sheet: equity and liabilities | ||||||||||||
10/49 |
157,819 | 160,153 | 159,382 | 144,217 | 154,695 | 146,559 | 121,533 | 105,478 | 92,577 | 76,506 | 62,646 | |
10/15 |
115,519 | 118,012 | 110,826 | 110,138 | 111,063 | 109,022 | 111,290 | 93,948 | 73,988 | 62,751 | 43,188 | |
10/11 |
6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | |
100 |
- | - | - | - | - | - | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | |
101 |
- | - | - | - | - | - | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | |
11 |
6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | - | - | - | - | - | |
1109/19 |
6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | - | - | - | - | - | |
13 |
98,380 | 100,874 | 93,687 | 93,000 | 93,925 | 91,883 | 94,152 | 76,810 | 56,960 | 45,860 | 26,860 | |
130/1 |
1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | - | - | - | - | - | |
130 |
- | - | - | - | - | - | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | |
1311 |
1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | - | - | - | - | - | |
133 |
96,520 | 99,014 | 91,827 | 91,140 | 92,065 | 90,023 | 92,292 | 74,950 | 55,100 | 44,000 | 25,000 | |
14 |
10,938 | 10,938 | 10,938 | 10,938 | 10,938 | 10,938 | 10,938 | 10,938 | 10,828 | 10,691 | 10,128 | |
17/49 |
42,300 | 42,141 | 48,556 | 34,079 | 43,632 | 37,537 | 10,243 | 11,529 | 18,589 | 13,756 | 19,458 | |
42/48 |
42,300 | 42,141 | 48,556 | 34,079 | 43,632 | 37,537 | 10,243 | 11,529 | 18,589 | 13,756 | 19,458 | |
43 |
- | - | - | - | - | - | 2,676 | 2,006 | 5,721 | - | 18,326 | |
430/8 |
- | - | - | - | - | - | 2,676 | 2,006 | 5,721 | - | 18,326 | |
44 |
4,518 | 3,924 | 3,395 | 2,566 | 4,573 | 1,031 | 2,274 | 3,370 | 2,125 | 1,613 | - | |
440/4 |
4,518 | 3,924 | 3,395 | 2,566 | 4,573 | 1,031 | 2,274 | 3,370 | 2,125 | 1,613 | - | |
45 |
4,748 | 5,101 | 2,247 | 689 | 3,483 | 3,864 | 4,049 | 6,152 | 10,742 | 12,143 | 766 | |
450/3 |
4,748 | 5,101 | 2,247 | 689 | 3,483 | 3,864 | 4,049 | 6,152 | 10,742 | 12,143 | 766 | |
47/48 |
33,034 | 33,116 | 42,914 | 30,824 | 35,576 | 32,642 | 1,245 | - | - | - | 366 | |
| Income statement | ||||||||||||
70 |
- | - | - | - | - | - | - | - | - | 141,299 | - | |
76A |
- | - | 503 | - | - | 6,339 | - | - | - | - | - | |
9900 |
42,027 | 52,658 | 49,480 | 42,127 | 55,830 | 56,886 | 48,249 | 52,987 | 44,658 | 36,854 | 62,107 | |
60/61 |
100,222 | 88,934 | 93,900 | 80,520 | 73,338 | 66,664 | 99,090 | 92,907 | 100,249 | 114,214 | 93,250 | |
630 |
2,184 | 2,687 | 3,206 | 4,834 | 4,084 | 2,941 | 1,378 | 2,754 | 4,351 | 4,569 | 2,943 | |
640/8 |
1,051 | 1,563 | 698 | 990 | 982 | 1,140 | 984 | 1,030 | 973 | 655 | 728 | |
9901 |
38,792 | 48,408 | 45,576 | 36,302 | 50,765 | 52,805 | 45,886 | 49,203 | 39,335 | 31,629 | 58,437 | |
75/76B |
1,026 | 283 | - | 11 | - | 0 | 1 | 91 | 20 | 30 | 8 | |
75 |
1,026 | 283 | - | 11 | - | 0 | 1 | 91 | 20 | 30 | 8 | |
65/66B |
927 | 740 | 784 | 708 | 585 | 678 | 502 | 393 | 555 | 804 | 691 | |
65 |
927 | 740 | 784 | 708 | 585 | 678 | 502 | 393 | 555 | 804 | 691 | |
9903 |
38,892 | 47,951 | 44,792 | 35,605 | 50,179 | 52,127 | 45,385 | 48,901 | 38,800 | 30,856 | 57,753 | |
67/77 |
8,654 | 10,422 | 9,254 | 5,431 | 9,138 | 9,396 | 8,043 | 8,940 | 7,563 | 11,293 | 20,766 | |
9904 |
30,238 | 37,529 | 35,538 | 30,175 | 41,042 | 42,731 | 37,342 | 39,960 | 31,237 | 19,563 | 36,988 | |
9905 |
30,238 | 37,529 | 35,538 | 30,175 | 41,042 | 42,731 | 37,342 | 39,960 | 31,237 | 19,563 | 36,988 | |
| Appropriation of the result | ||||||||||||
9906 |
41,176 | 48,467 | 46,476 | 41,113 | 51,980 | 53,670 | 48,280 | 50,788 | 41,928 | 29,691 | 36,988 | |
14P |
10,938 | 10,938 | 10,938 | 10,938 | 10,938 | - | - | - | - | - | - | |
791/2 |
22,731 | 17,342 | 19,850 | 11,100 | 19,000 | 25,000 | - | - | - | - | - | |
691/2 |
20,238 | 24,529 | 20,538 | 10,175 | 21,042 | 22,731 | 17,342 | 19,850 | 11,100 | 19,000 | 26,860 | |
6920 |
- | - | - | - | - | - | - | - | - | - | 1,860 | |
6921 |
20,238 | 24,529 | 20,538 | 10,175 | 21,042 | 22,731 | 17,342 | 19,850 | 11,100 | 19,000 | 25,000 | |
694/7 |
32,731 | 30,342 | 34,850 | 31,100 | 39,000 | 45,000 | 20,000 | 20,000 | 20,000 | - | - | |
694 |
22,731 | 17,342 | 19,850 | 11,100 | 19,000 | 25,000 | - | - | - | - | - | |
695 |
10,000 | 13,000 | 15,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | - | - | |
| Document | ||||||||||||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 29-07-2026.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 29-07-2026 | 2026-00347332 | |
| 31-12-2024 | micro format | 29-08-2025 | 2025-00470638 | |
| 31-12-2023 | micro format | 26-06-2024 | 2024-00172317 | |
| 31-12-2022 | micro format | 28-06-2023 | 2023-00183588 | |
| 31-12-2021 | micro format | 01-08-2022 | 2022-20262467 | |
| 31-12-2020 | micro format | 09-08-2021 | 2021-47000570 | |
| 31-12-2019 | micro format | 28-07-2020 | 2020-35500270 | |
| 31-12-2018 | micro format | 30-08-2019 | 2019-58200040 | |
| 31-12-2017 | micro format | 26-07-2018 | 2018-38100206 | |
| 31-12-2016 | abbreviated format | 20-07-2017 | 2017-33600306 | |
| 31-12-2015 | abbreviated format | 18-07-2016 | 2016-32300542 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 40,976 | 51,095 | 48,782 | 41,137 | 54,848 | 55,746 | 47,265 | 51,957 | 43,686 | 36,199 | 61,379 | ||
| 32,421 | 40,215 | 38,743 | 35,009 | 45,125 | 45,673 | 38,720 | 42,714 | 35,588 | 24,132 | 39,930 | ||
| 1,024 | 695 | 5,090 | 781 | 3,071 | 9,662 | 0 | 752 | 2,475 | 6,062 | 8,539 | ||
| -6,752 | 3,238 | 14,174 | 3,079 | 15,653 | 17,378 | 40,430 | -15,375 | 49,089 | -13,725 | - | ||
| 113,456 | 114,790 | 105,612 | 106,651 | 103,523 | 100,468 | 109,457 | 90,737 | 68,774 | 55,662 | 37,592 | ||
| - | - | - | - | - | - | - | - | - | 22.4% | - | ||
| 73.2% | 73.7% | 69.5% | 76.4% | 71.8% | 74.4% | 91.6% | 89.1% | 79.9% | 82.0% | 68.9% | ||
| 3.68 | 3.72 | 3.18 | 4.13 | 3.37 | 3.68 | 11.69 | 8.87 | 4.70 | 5.05 | 2.93 | ||
| 0.37 | 0.36 | 0.44 | 0.31 | 0.39 | 0.34 | 0.09 | 0.12 | 0.25 | 0.22 | 0.45 | ||
| 26.2% | 31.8% | 32.1% | 27.4% | 37.0% | 39.2% | 33.6% | 42.5% | 42.2% | 31.2% | 85.6% | ||
| 19.2% | 23.4% | 22.3% | 20.9% | 26.5% | 29.2% | 30.7% | 37.9% | 33.7% | 25.6% | 59.0% | ||
| 44.20 | 69.02 | 62.22 | 58.10 | 93.72 | - | - | - | - | - | - | ||
| - | - | - | - | - | - | - | - | - | 75 days | - | ||
| 16 days | 16 days | 13 days | 12 days | 23 days | 6 days | 8 days | 13 days | 8 days | 5 days | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €1,024 | €695 | €5,090 | €781 | €3,071 |
| €2,184 | €2,687 | €3,206 | €4,834 | €4,084 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is 20% lower than in 2024 and the lowest since 2022.
Debt's share of the balance-sheet total rises from 26.3% to 26.8%. Equity is lower and debt is higher.
RAMSIT has no parent and no holdings in its annual accounts. Rams Wannes is the only director. RAMSIT shares no director with another company.
| FITLAND
establishment since 02-01-2026 · founded in 1996 |
10 FTE (2025) 0457.105.669 |
| SocCnx
registered office since 04-09-2017 · founded in 2017 |
total assets €40,454 (2025) 0680.665.232 |
| Delbaen, Mitch (sole trader)
establishment since 01-01-2025 |
founded in 2025 1018.635.107 |
| Hermans, Jana-Elena (sole trader)
establishment since 01-06-2024 |
founded in 2024 1010.011.411 |
| ANIFIL
registered office since 09-09-2009 |
founded in 2009 0818.834.903 |
| Vereniging van Mede-eigenaars Residentie Hopland 47 te Antwerpen
registered office since 25-07-2006 |
founded in 2006 0896.761.733 |
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Hopland 47 registered office 2000 Antwerp | 05-12-2014 | 2.237.248.382 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 11803C0310/00N000 | 1,049 m² | 1 · 779 m² | 21.5 m · 4 |
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