RAMUS.BE
ActiveSummary
RAMUS.BE has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-2k) and a net result of €-9k. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 9% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability32▲+20
Solvency23▼-28
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.64 against 1.67 in 2024; short-term debt: 80.7% and cash: 2.3% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Four 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
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
-1.7%
Return on assets
-6.9%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-2k
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 28-05-2026, 64 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
64 d early
2024
30 d early
2023
1 d early
2022
23 d late
2021
31 d late
2020
9 d early
2019
56 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-2k
2024 · €27k
2018: €11k
2019: €21k▲ +94.8% vs 2018
2020: €23k▲ +10.3% vs 2019
2021: €29k▲ +24.0% vs 2020
2022: €32k▲ +11.9% vs 2021
2023: €32k▲ +1.2% vs 2022highest in 8 years
2024: €27k▼ -17.1% vs 2023
2025: €-2k▼ -108% vs 2024lowest in 8 years
2018 → 2025
Total assets
€125k▲ 22.2%
2024 · €102k
2018: €101k
2019: €113k▲ +12.2% vs 2018
2020: €102k▼ -10.1% vs 2019
2021: €111k▲ +8.7% vs 2020
2022: €139k▲ +25.6% vs 2021highest in 8 years
2023: €99k▼ -28.6% vs 2022lowest in 8 years
2024: €102k▲ +2.9% vs 2023
2025: €125k▲ +22.2% vs 2024
2018 → 2025
Net result
€-9k▼ 55.1%
2024 · €-6k
2018: €13k
2019: €15k▲ +16.2% vs 2018
2020: €2k▼ -85.8% vs 2019
2021: €26k▲ +1085% vs 2020highest in 8 years
2022: €23k▼ -8.4% vs 2021
2023: €375▼ -98.4% vs 2022
2024: €-6k▼ -1574% vs 2023
2025: €-9k▼ -55.1% vs 2024lowest in 8 years
2018 → 2025
Working capital
€-36k
2024 · €25k
2018: €-21k
2019: €-12k▲ +45.7% vs 2018
2020: €26k▲ +326% vs 2019
2021: €18k▼ -30.0% vs 2020
2022: €33k▲ +78.5% vs 2021highest in 8 years
2023: €16k▼ -50.5% vs 2022
2024: €25k▲ +57.9% vs 2023
2025: €-36k▼ -241% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€32k▲ 11.9%€32k▲ 1.2%€27k▼ 17.1%€-2k
2021: €29k
2022: €32k▲ +11.9% vs 2021
2023: €32k▲ +1.2% vs 2022highest in 5 years
2024: €27k▼ -17.1% vs 2023
2025: €-2k▼ -108% vs 2024lowest in 5 years
Operating result€36k-€32k▼ 10.5%€6k▼ 80.0%€-4k€12k
2021: €36khighest in 5 years
2022: €32k▼ -10.5% vs 2021
2023: €6k▼ -80.0% vs 2022
2024: €-4k▼ -161% vs 2023lowest in 5 years
2025: €12k▲ +415% vs 2024
Net result€26k-€23k▼ 8.4%€375▼ 98.4%€-6k€-9k▼ 55.1%
2021: €26khighest in 5 years
2022: €23k▼ -8.4% vs 2021
2023: €375▼ -98.4% vs 2022
2024: €-6k▼ -1574% vs 2023
2025: €-9k▼ -55.1% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €12k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125k
Fixed assets
€60k ▲ 54.1%
Current assets
€65k ▲ 2.6%
Key figures and ratios
EBITDA
€15k▲
2024 · €-974
Cash flow
€-6k▼
2024 · €-3k
Solvency
-1.7%▼
2024 · 26.4%
Current ratio
0.64▼
2024 · 1.67
Debt to equity
-58.18▼
2024 · 2.79
ROA
-6.9%▼
2024 · -5.4%
Interest coverage
2.61▲
2024 · -0.26
Debt
€127k▲
2024 · €75k
Debt ≤ 1 year
€101k▲
2024 · €38k
Debt > 1 year
€24k▼
2024 · €37k
Income taxes
€2k▲
2024 · €455
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€102k€125k▲
Fixed assets21/28€39k€60k▲
Tangible fixed assets22/27€13k€10k▼
Furniture and vehicles24€4k€3k▼
Other tangible fixed assets26€8k€7k▼
Financial fixed assets28€26k€50k▲
Current assets29/58€63k€65k▲
Amounts receivable within one year40/41€58k€61k▲
Trade receivables40€23k€10k▼
Other amounts receivable41€35k€52k▲
Cash at bank and in hand54/58-€3k
Deferred charges and accrued income490/1€5k€532▼
Equity and liabilities
Total equity and liabilities10/49€102k€125k▲
Equity10/15€27k€-2k▼
Contributions10/11€6k€6k=
Reserves13€26k€4k▼
Non-distributable reserves130/1€1k€0▼
Reserves not available under the articles1311€1k€0▼
Distributable reserves133€25k€4k▼
Profit (loss) carried forward14€-6k€-12k▼
Amounts payable17/49€75k€127k▲
Amounts payable after more than one year17€37k€24k▼
Financial debts170/4€37k€24k▼
Amounts payable within one year42/48€38k€101k▲
Current portion of amounts payable after more than one year42€21k€16k▼
Financial debts43€5k€0▼
Credit institutions430/8€5k€0▼
Trade debts44€5k€1k▼
Suppliers440/4€5k€1k▼
Taxes, remuneration and social security45€7k€9k▲
Taxes450/3€7k€9k▲
Remuneration and social security454/9€0-
Other amounts payable47/48-€75k
Accrued charges and deferred income492/3€120€2k▲
Income statement
Code20242025
Non-recurring operating income76A-€13k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€118€688▲
Gross operating margin9900€-856€16k▲
Operating profit (loss)9901€-4k€12k▲
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€4k€22k▲
Recurring financial charges65€4k€6k▲
Non-recurring financial charges66B-€16k
Profit (loss) for the period before taxes9903€-5k€-6k▼
Income taxes67/77€455€2k▲
Profit (loss) for the period9904€-6k€-9k▼
Profit (loss) for the period to be appropriated9905€-6k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-14k▼
Profit (loss) brought forward from the previous period14P-€-6k
Transfer from equity791/2-€22k
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7-€20k
Return on contributions (dividend)694-€20k
The notes to these accounts (20 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €13k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €2k | €2k | €3k | €3k | = |
| Other operating charges640/8 | €2k | €3k | €3k | €118 | €688 | ▲ 483% |
| Non-recurring operating charges66A | €25 | - | - | - | - | - |
| Gross operating margin9900 | €40k | €38k | €11k | €-856 | €16k | ▲ 1,980% |
| Operating profit (loss)9901 | €36k | €32k | €6k | €-4k | €12k | ▲ 415% |
| Financial income75/76B | - | - | - | €3k | €3k | ▲ 22.5% |
| Recurring financial income75 | - | - | - | €3k | €3k | ▲ 22.5% |
| Financial charges65/66B | €3k | €4k | €5k | €4k | €22k | ▲ 475% |
| Recurring financial charges65 | €3k | €4k | €5k | €4k | €6k | ▲ 54.8% |
| Non-recurring financial charges66B | - | - | - | - | €16k | - |
| Profit (loss) for the period before taxes9903 | €33k | €29k | €2k | €-5k | €-6k | ▼ 21.9% |
| Income taxes67/77 | €7k | €5k | €2k | €455 | €2k | ▲ 426% |
| Profit (loss) for the period9904 | €26k | €23k | €375 | €-6k | €-9k | ▼ 55.1% |
| Profit (loss) for the period to be appropriated9905 | €26k | €23k | €375 | €-6k | €-9k | ▼ 55.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €111k | €139k | €99k | €102k | €125k | ▲ 22.2% |
| Fixed assets21/28 | €40k | €43k | €42k | €39k | €60k | ▲ 54.1% |
| Tangible fixed assets22/27 | €9k | €13k | €16k | €13k | €10k | ▼ 23.1% |
| Furniture and vehicles24 | €2k | €2k | €6k | €4k | €3k | ▼ 34.2% |
| Other tangible fixed assets26 | €7k | €11k | €10k | €8k | €7k | ▼ 17.3% |
| Financial fixed assets28 | €30k | €30k | €26k | €26k | €50k | ▲ 92.3% |
| Current assets29/58 | €71k | €96k | €57k | €63k | €65k | ▲ 2.6% |
| Amounts receivable within one year40/41 | €71k | €96k | €57k | €58k | €61k | ▲ 5.4% |
| Trade receivables40 | €12k | €12k | €4k | €23k | €10k | ▼ 57.6% |
| Other amounts receivable41 | €59k | €83k | €54k | €35k | €52k | ▲ 46.5% |
| Cash at bank and in hand54/58 | - | - | - | - | €3k | - |
| Deferred charges and accrued income490/1 | - | - | - | €5k | €532 | ▼ 89.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €111k | €139k | €99k | €102k | €125k | ▲ 22.2% |
| Equity10/15 | €29k | €32k | €32k | €27k | €-2k | ▼ 108% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €22k | €26k | €26k | €26k | €4k | ▼ 85.6% |
| Non-distributable reserves130/1 | €1k | €1k | €1k | €1k | €0 | ▼ 100% |
| Reserves not available under the articles1311 | €1k | €1k | €1k | €1k | €0 | ▼ 100% |
| Distributable reserves133 | €21k | €24k | €25k | €25k | €4k | ▼ 84.8% |
| Profit (loss) carried forward14 | - | - | - | €-6k | €-12k | ▼ 120% |
| Amounts payable17/49 | €82k | €107k | €67k | €75k | €127k | ▲ 68.8% |
| Amounts payable after more than one year17 | €29k | €44k | €25k | €37k | €24k | ▼ 35.4% |
| Financial debts170/4 | €29k | €44k | €25k | €37k | €24k | ▼ 35.4% |
| Amounts payable within one year42/48 | €53k | €63k | €41k | €38k | €101k | ▲ 166% |
| Current portion of amounts payable after more than one year42 | €17k | €19k | €21k | €21k | €16k | ▼ 25.0% |
| Financial debts43 | €314 | €5k | €3k | €5k | €0 | ▼ 100% |
| Credit institutions430/8 | €314 | €5k | €3k | €5k | €0 | ▼ 100% |
| Trade debts44 | €474 | €1k | €3k | €5k | €1k | ▼ 74.2% |
| Suppliers440/4 | €474 | €1k | €3k | €5k | €1k | ▼ 74.2% |
| Taxes, remuneration and social security45 | €15k | €18k | €14k | €7k | €9k | ▲ 32.1% |
| Taxes450/3 | €15k | €18k | €12k | €7k | €9k | ▲ 32.1% |
| Remuneration and social security454/9 | - | - | €2k | €0 | - | - |
| Other amounts payable47/48 | €20k | €20k | - | - | €75k | - |
| Accrued charges and deferred income492/3 | - | - | €112 | €120 | €2k | ▲ 1,712% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26k | €23k | €375 | €-6k | €-9k | ▼ 55.1% |
| + Depreciation and write-downs630 | €3k | €2k | €2k | €3k | €3k | = |
| Operating cash flow (approximation) | €28k | €25k | €2k | €-3k | €-6k | ▼ 119% |
| Investment in fixed assets (approximation) | - | €-6k | €-689 | €0 | €-24k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €26k ▲1,085%
Operating result €36k, net result €26k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 1.72
Current ratio from 0.69 to 1.72; short-term debt falls from €37k to €36k.
05-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
3 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, Nijlen · 1 establishment unit since 2017
Ground area
1,132 m²
Building footprint
114 m²
Volume, LiDAR
622 m³
Parcel 12018B0568/00L000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RAMUS.BE
since 20172.260.759.895
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12018B0568/00L000 | Flanders | 1,132 m² | 1 · 114 m² | 9.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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
2024 · 1 entry · 433 EUR awarded · 433 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 433 EUR | 433 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Callens ICT Consulting
BE 0782.797.621
Wommelgem · Eq €26,894
CuratedCode Solutions
BE 1016.006.902
Antwerpen · Eq €26,899
ABOUT IT
BE 0597.728.054
Brussel · Eq €26,861
Digivolution
BE 0770.223.748
Erpe-Mere · Eq €26,920
Kuypers IT Solutions
BE 0704.961.059
Kasterlee · Eq €26,859
Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 14,016 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-01-2017
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
Contact
E-mail
dieter.schoenmakers@ramus.be
Phone
0475524477
Scores and ratios are computed by Checked and are not a credit decision.