RAMY
Open bankruptcyA bankruptcy procedure is open for RAMY according to publications in the Belgian State Gazette; curator: ANNELIES HELLEMANS.
Summary
The 2025 annual accounts show negative equity (€-22k) and a net result of €11k.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 13305 sector peers (2025).
NBB · sector comparisonPosition among 13305 sector peers
Solvency
better than 8%
← weakest
strongest →
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: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
4 d late
2024
36 d early
2023
32 d early
2022
4 d early
2021
1 d early
2020
40 d early
2019
8 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-22k▲ 33.2%
2024 · €-32k
2018: €2k
2019: €2k
2020: €6k
2021: €-11k
2022: €-20k
2023: €-27k
2024: €-32k
2018 → 2025
Total assets
€14k▲ 62.7%
2024 · €9k
2018: €2k
2019: €6k
2020: €10k
2021: €9k
2022: €8k
2023: €6k
2024: €9k
2018 → 2025
Net result
€11k
2024 · €-5k
2018: €4k
2019: €-635
2020: €4k
2021: €-17k
2022: €-9k
2023: €-7k
2024: €-5k
2018 → 2025
Working capital
€-24k▲ 26.7%
2024 · €-33k
2019: €3k
2020: €4k
2021: €-13k
2022: €-22k
2023: €-28k
2024: €-33k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-11k-€-20k▼ 83.5%€-27k▼ 33.6%€-32k▼ 19.9%€-22k▲ 33.2%
Operating result€-17k-€-9k▲ 44.9%€-7k▲ 27.1%€-5k▲ 21.9%€11k
Net result€-17k-€-9k▲ 44.8%€-7k▲ 26.0%€-5k▲ 20.9%€11k
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: €11k after a loss of €5k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14k
Fixed assets
€2k ▲ 364%
Current assets
€12k ▲ 43.3%
Key figures and ratios
EBITDA
€11k▲
2024 · €-5k
Cash flow
€11k▲
2024 · €-5k
Solvency
-150.4%▲
2024 · -366.1%
Current ratio
0.33▲
2024 · 0.20
Quick ratio
0.19▲
2024 · 0.14
Debt to equity
-1.66▼
2024 · -1.27
ROA
74.7%▲
2024 · -60.8%
Interest coverage
70.96▲
2024 · -26.27
Debt
€36k▼
2024 · €41k
Debt ≤ 1 year
€36k▼
2024 · €41k
Staff costs
€34k▼
2024 · €44k
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€9k€14k▲
Fixed assets21/28€534€2k▲
Tangible fixed assets22/27-€2k
Plant, machinery and equipment23-€2k
Financial fixed assets28€534€471▼
Current assets29/58€8k€12k▲
Stocks and contracts in progress3€3k€5k▲
Stocks30/36€3k€5k▲
Amounts receivable within one year40/41€2k€2k=
Trade receivables40€2k€2k=
Cash at bank and in hand54/58€4k€5k▲
Deferred charges and accrued income490/1€15-
Equity and liabilities
Total equity and liabilities10/49€9k€14k▲
Equity10/15€-32k€-22k▲
Contributions10/11€15k€15k=
Profit (loss) carried forward14€-47k€-37k▲
Amounts payable17/49€41k€36k▼
Amounts payable within one year42/48€41k€36k▼
Trade debts44€274€1k▲
Suppliers440/4€274€1k▲
Taxes, remuneration and social security45€13k€12k▼
Taxes450/3€6k€6k▼
Remuneration and social security454/9€6k€7k▲
Other amounts payable47/48€28k€22k▼
Income statement
Code20242025
Remuneration, social security and pensions62€44k€34k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€499€244▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€41k€48k▲
Operating profit (loss)9901€-5k€11k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€179€157▼
Recurring financial charges65€179€157▼
Profit (loss) for the period before taxes9903€-5k€11k▲
Profit (loss) for the period9904€-5k€11k▲
Profit (loss) for the period to be appropriated9905€-5k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-47k€-37k▲
Profit (loss) brought forward from the previous period14P€-42k€-47k▼
The notes to these accounts (7 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
31-12
Financial
Back to profitnet €11k
Net result €11k after 4 loss-making years.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-17k ▼527%
Net result drops to €-17k, the lowest in the series.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
18-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 202 days late
12-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 561 days late
27-01
Bankruptcy
Opening
Ondernemingsrechtbank Antwerpen, afdeling Mechelen · RAMY BVBA LIERBAAN 28/1, 2580 PUTTE · event 20-01-2020
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
SignalFinancial 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, Putte · 1 establishment unit since 2012
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.
Lierbaan 282580 PutteGround area
126 m²
Building footprint
126 m²
Volume, LiDAR
1,030 m³
Parcel 12029B0374/00M000, Flanders · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Ramy
since 20122.208.983.572
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12029B0374/00M000 | Flanders | 126 m² | 1 · 126 m² | 12.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | ANNELIES HELLEMANS NEETWEG 24, 2220 HEIST-OP-
DEN-BERG |
20-01-2020 → present |
Recognitions · licences · registrations
Food safety, FASFC
1 sitePutte2.208.983.572
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Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 5,516 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded07-03-2012
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
56111Full-service restaurants
56210Event catering
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.