RAMU
ActiveThe computed 12-month bankruptcy probability of RAMU is 2.4% (moderate). The 2025 annual accounts show equity of €21k and a net result of €-809. Equity is growing by ~17.6% per year across the filed fiscal years. The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability28▼-11
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
short-term debt: 0.1% of total assets, and 0.1% 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.
+raises risk○neutral
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
99.9%
Return on assets
-3.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-09-2026, 43 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 · 7 filingsDeviation from the deadline
2025
43 d late
2023
61 d late
2022
86 d late
2020
86 d late
2019
89 d late
2018
139 d late
2017
261 d late
← 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, micro schema
Equity
€21k▼ 3.7%
2023 · €22k
2018: €4k
2019: €6k
2020: €-7k
2022: €22k
2023: €22k
2018 → 2025
Total assets
€21k▼ 18.1%
2023 · €26k
2018: €5k
2019: €11k
2020: €235
2022: €26k
2023: €26k
2018 → 2025
Net result
€-809
2023 · €158
2018: €-1k
2019: €2k
2020: €-13k
2022: €9k
2023: €158
2018 → 2025
Working capital
€21k▼ 3.7%
2023 · €22k
2018: €4k
2019: €6k
2020: €-7k
2022: €22k
2023: €22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202220232025Trend
Equity€6k-€-7k€22k€22k▲ 0.7%€21k▼ 3.7%
Operating result€2k-€-13k€9k€204▼ 97.8%€-770
Net result€2k-€-13k€9k€158▼ 98.3%€-809
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €-770 in 2025, compared with €204 in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Equity and liabilities €21k
Equity
€21k▼ 3.7%
Debt
€20▼ 99.5%
The debt ratio falls from 15.1% to 0.1%. Equity and debt are lower.
Key figures and ratios
Solvency
99.9%▲
2023 · 84.9%
Debt / equity
0.00▼
2023 · 0.18
ROE
-3.8%▼
2023 · 0.7%
ROA
-3.8%▼
2023 · 0.6%
Debt
€20▼
2023 · €4k
Debt ≤ 1 year
€20▼
2023 · €4k
A ratio outside any meaningful range has been withheld (balance sheet total €21k, equity €21k).
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 2023
Balance sheet
Code20232025
Assets
Total assets20/58€26k€21k▼
Current assets29/58€26k€21k▼
Amounts receivable within one year40/41€25k€21k▼
Other amounts receivable41€25k€21k▼
Cash at bank and in hand54/58€186-
Deferred charges and accrued income490/1€974-
Equity and liabilities
Total equity and liabilities10/49€26k€21k▼
Equity10/15€22k€21k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€14k€13k▼
Amounts payable17/49€4k€20▼
Amounts payable within one year42/48€4k€20▼
Financial debts43-€20
Credit institutions430/8-€20
Taxes, remuneration and social security45€4k-
Remuneration and social security454/9€4k-
Income statement
Code20232025
Other operating charges640/8-€770
Gross operating margin9900€204-
Operating profit (loss)9901€204€-770▼
Financial charges65/66B€46€39▼
Recurring financial charges65€46€39▼
Profit (loss) for the period before taxes9903€158€-809▼
Profit (loss) for the period9904€158€-809▼
Profit (loss) for the period to be appropriated9905€158€-809▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€13k▼
Profit (loss) brought forward from the previous period14P€14k€14k▲
The notes to these accounts (1 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
12-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 43 days late
2025
31-12
Financial
Liquidity times 159current ratio 1056.55
Current ratio from 6.64 to 1056.55; short-term debt falls from €4k to €20.
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 86 days late
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-12
Financial
Liquidity times 193current ratio 6.60
Current ratio from 0.03 to 6.60; short-term debt falls from €7k to €4k.
2021
25-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 86 days late
2020
31-12
Financial
Weakest financial yearnet €-13k ▼711%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 139 days late
18-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 261 days late
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, Elsene · 1 establishment unit since 2017
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.
Generaal Jacqueslaan 1931050 ElseneGround area
553 m²
Building footprint
231 m²
Volume, LiDAR
2,823 m³
2 parcels, Brussels · tallest building 19.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Garden of Punjab
since 20172.267.497.932
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21445C0232/00B008 | Brussels | 322 m² | 1 · 110 m² | 19.6 m · 5 fl. |
| 21445E0006/00W018 | Brussels | 231 m² | 1 · 121 m² | 17.4 m · 4 fl. |
Linked by address, not proof of ownership
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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-10-2016
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.