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RAMY

Active
Private limited company (pre-2019)founded 2012active for 14 yearsLierbaan 28, 2580 Putte, BelgiumKBO/BCE: BE 0844.340.359

The file of RAMY contains 2 historical bankruptcy publications, as published in the Belgian Official Gazette.

Summary

The computed 12-month bankruptcy probability is 0.6% (low). The 2025 annual accounts show negative equity (-€21,645) and a net result of €10,745. Equity has been shrinking by about 37% per year since 2018. Its solvency ranks better than 8% of 16,996 sector peers (NACE 56, financial year 2025).

Overview

Official details

Source: KBO
Status
Active since 07-03-2012 Normal situation
Activity
Limited-service restaurants, excluding mobile food services NACE 56112and 3 others
Establishment unit
2.208.983.572 2580 Putte, since 07-03-2012
Financial year end
31 December
Peppol
Reachable since 30-10-2025

Board and ownership

Board
  • CESSE HALMIDirector

Financial position

56 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.6%
Annual accounts 2025
Gross margin
€48,146
▲ 17.2%
Turnover
≈ €280,000
estimated
Profit
€10,745
Equity
-€21,645
▲ 33.2%
Total assets
€14,391
▲ 62.7%
Employees on 31-12-2025
6
▲ 50.0%
  • Negative equity on 31-12-2025
  • 2025 accounts filed 4 days after the deadline
Score breakdownraises riskCapped at 59: negative equitySector: Food and beverage service activities (NACE 56)Negative equity -€21,645lowers riskSize: total assets €14,391Founded in 2012Show the evidence

Checked score

Score 2025
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 54% of micro companies in food and beverage service (NACE 56)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Average
Solvency 0=
equity -150.4% of total assets
Liquidity 43-7
short-term debt 250.4% · cash 34.1%
Profitability 100+100
return on assets 74.7%
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.8% (23,779 companies, NACE 56, micro)
Last 24 months 12-2024: 1.7%highest value 01-2025: 1.7%● unchanged vs 12-2024 02-2025: 1.7%● unchanged vs 01-2025 03-2025: 1.7%● unchanged vs 02-2025 04-2025: 1.7%● unchanged vs 03-2025 05-2025: 1.6%▼ -0.1 percentage points vs 04-2025 06-2025: 1.6%● unchanged vs 05-2025 07-2025: 1.0%▼ -0.6 percentage points vs 06-2025 08-2025: 1.0%● unchanged vs 07-2025 09-2025: 1.0%● unchanged vs 08-2025 10-2025: 1.0%● unchanged vs 09-2025 11-2025: 1.0%● unchanged vs 10-2025 12-2025: 1.0%● unchanged vs 11-2025 01-2026: 1.0%● unchanged vs 12-2025 02-2026: 1.0%● unchanged vs 01-2026 03-2026: 1.0%● unchanged vs 02-2026 04-2026: 1.0%● unchanged vs 03-2026 05-2026: 1.0%● unchanged vs 04-2026 06-2026: 1.0%● unchanged vs 05-2026 07-2026: 1.1%▲ +0.1 percentage points vs 06-2026 08-2026: 1.3%▲ +0.2 percentage points vs 07-2026 09-2026: 0.6%▼ -0.7 percentage points vs 08-2026 10-2026: 0.6%● unchanged vs 09-2026lowest value 11-2026: 0.6%● unchanged vs 10-2026lowest value
No credit on open account
Liquidity is insufficient, with a current ratio of 0.33 (0.2 in 2024), below 1. Short-term debt is 250.4% and cash 34.1% of total assets. Equity is negative.
Calculation

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 56, micro). It does better than 9% of them on solvency, 38% on liquidity, 93% on profitability and 74% on growth.

The bankruptcy probability was computed on 02-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Seven signals.
lowers riskraises riskneutral
raises risk · Sector: Food and beverage service activities (NACE 56)
KBO
lowers risk · Size: total assets €14,391
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Negative equity -€21,645
NBB · annual accounts
lowers risk · Founded in 2012
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 16996 sector peers (2025).
NBB · sector comparison
Position among 16996 sector peers
Solvency
better than 8%
← weakest strongest →
neutral · Prior bankruptcy
Earlier bankruptcy on record in the Belgian Official Gazette, no current open procedure.
Belgian Official Gazette
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
4 days late
2024
36 days early
2023
32 days early
2022
4 days early
2021
1 day early
2020
40 days early
2019
8 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 17 days before the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 27 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€21,645 View
  • Caution: Lower solvency than 91% of companies in food and beverage servicesector median 29.6% · 16,996 companies -150.4% View

Recent changes

  1. · Bankruptcy Bankruptcy reversalEnterprise Court of Antwerp, Mechelen division · judgment of 09-03-2020
  2. · Bankruptcy Bankruptcy declaredEnterprise Court of Antwerp, Mechelen division · judgment of 20-01-2020
  3. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as RAMY: limited-service restaurants, excluding mobile food services (NACE 56112). They are comparable in size and age: total assets between €12,900 and €16,100, founded between 2008 and 2014.

CompanyTotal assetsGross margin
RAMY Putte€14,391€48,146
FISH HANDEL MEDITERRANEE Sint-Gillis (bij-Brussel)€12,910€39,948
RESTO EXPRESS La Louvière€13,851€39,062
PAMALEA Hamoir€14,594€50,141
PJD INVESTISSEMENT Charleroi€16,067€61,079
SNACK BAR VENEZIA Sint-Joost-ten-Node€15,471€42,116
DOLCE ITALIA Andenne€15,772€33,998
Full comparison

Key facts about RAMY

What is the company number of RAMY?
The company number of RAMY is 0844.340.359. The VAT number is the same number with BE in front: BE 0844.340.359.
Where is RAMY based?
The registered office is at Lierbaan 28, 2580 Putte.Company details
What does RAMY do?
According to the KBO register, the main activity is limited-service restaurants, excluding mobile food services (NACE 56112).
What is the legal form of RAMY?
The legal form of RAMY is Private limited company (pre-2019) (BVBA).
When was RAMY founded?
RAMY was founded on 07-03-2012.
Is RAMY still active?
Yes, RAMY is an active enterprise in the KBO register.
How many employees does RAMY have?
RAMY had an average of 5.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of RAMY?
The turnover in financial year 2025 is ≈ €280,000. This figure is estimated from the gross margin of €48,146 and 65 comparable companies (NACE 56112). It probably lies between €200,000 and €350,000.
Is RAMY profitable?
In financial year 2025, RAMY made a profit of €10,745.
Where can I find the annual accounts of RAMY?
RAMY filed 13 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of RAMY due?
RAMY must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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