RANSY
ActiveRANSY has been active since 1958 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €139k and a net result of €7k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 43% of 4123 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+4
Solvency55=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 1.1 in 2024; short-term debt: 69.9% and cash: 19% of total assets), and 70.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
29.9%
Return on assets
1.6%
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 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
17 d early
2023
16 d late
2022
11 d early
2021
24 d late
2020
26 d late
2019
31 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€7k▼ 12.6%
2024 · €8k
2018: €17k
2019: €29k
2020: €14k
2021: €33k
2022: €29k
2023: €4k
2024: €8k
2018 → 2025
Working capital
€22k▼ 32.4%
2024 · €32k
2018: €32k
2019: €29k
2020: €39k
2021: €49k
2022: €14k
2023: €6k
2024: €32k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€162k-€153k▼ 5.2%€146k▼ 4.9%€143k▼ 1.9%€139k▼ 2.6%
Operating result€57k-€50k▼ 11.7%€21k▼ 57.8%€35k▲ 62.7%€30k▼ 13.1%
Net result€33k-€29k▼ 12.5%€4k▼ 87.6%€8k▲ 133%€7k▼ 12.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €467k
Fixed assets
€119k▼ 11.2%
Current assets
€348k▲ 1.2%
Equity and liabilities €467k
Equity
€139k▼ 2.6%
Debt
€327k▼ 2.2%
The debt ratio rises from 70.0% to 70.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€52k▼
2024 · €57k
Cash flow
€29k▼
2024 · €30k
Solvency
29.9%▼
2024 · 30.0%
Current ratio
1.07▼
2024 · 1.10
Quick ratio
0.33▼
2024 · 0.51
Debt / equity
2.35▲
2024 · 2.34
ROE
5.2%▼
2024 · 5.8%
ROA
1.6%▼
2024 · 1.7%
Interest coverage
3.54▲
2024 · 3.04
Debt
€327k▼
2024 · €334k
Debt ≤ 1 year
€326k▲
2024 · €312k
Debt > 1 year
€1k▼
2024 · €23k
Income taxes
€9k▲
2024 · €8k
Staff costs
€37k▼
2024 · €39k
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 2024
Balance sheet
Code20242025
Assets
Total assets20/58€478k€467k▼
Fixed assets21/28€134k€119k▼
Tangible fixed assets22/27€134k€119k▼
Land and buildings22€129k€116k▼
Plant, machinery and equipment23€992€779▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€344k€348k▲
Stocks and contracts in progress3€185k€240k▲
Stocks30/36€185k€240k▲
Amounts receivable within one year40/41€10k€15k▲
Trade receivables40€9k€15k▲
Other amounts receivable41€146€4▼
Cash at bank and in hand54/58€149k€89k▼
Deferred charges and accrued income490/1€500€4k▲
Equity and liabilities
Total equity and liabilities10/49€478k€467k▼
Equity10/15€143k€139k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€81k€77k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€30k€30k=
Distributable reserves133€45k€41k▼
Profit (loss) carried forward14€252€485▲
Amounts payable17/49€334k€327k▼
Amounts payable after more than one year17€23k€1k▼
Financial debts170/4€23k€1k▼
Amounts payable within one year42/48€312k€326k▲
Current portion of amounts payable after more than one year42€24k€22k▼
Trade debts44€22k€28k▲
Suppliers440/4€22k€28k▲
Taxes, remuneration and social security45€41k€37k▼
Taxes450/3€35k€31k▼
Remuneration and social security454/9€6k€6k▼
Other amounts payable47/48€225k€240k▲
Income statement
Code20242025
Non-recurring operating income76A€4k€0▼
Remuneration, social security and pensions62€39k€37k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k▼
Other operating charges640/8€19k€24k▲
Non-recurring operating charges66A€422€0▼
Gross operating margin9900€115k€113k▼
Operating profit (loss)9901€35k€30k▼
Financial income75/76B€523€465▼
Recurring financial income75€523€465▼
Financial charges65/66B€19k€15k▼
Recurring financial charges65€19k€15k▼
Profit (loss) for the period before taxes9903€17k€16k▼
Income taxes67/77€8k€9k▲
Profit (loss) for the period9904€8k€7k▼
Profit (loss) for the period to be appropriated9905€8k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€7k▼
Profit (loss) brought forward from the previous period14P€472€252▼
Transfer from equity791/2€3k€4k▲
Profit to be distributed694/7€11k€11k=
Return on contributions (dividend)694€11k€11k=
Social balance
Average headcount (FTE)90871.71.5▼
The notes to these accounts (14 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 25 days late
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 16 days late
2023
31-12
Financial
Weakest financial yearnet €4k ▼87.6%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 24 days late
2021
31-12
Financial
Highest result since 2018net €33k ▲135%
Operating result €57k, net result €33k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 26 days late
2020
31-12
Financial
Equity above €150kEq €159k ▲9.6%
3 profitable years in a row build equity to €159k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 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, Verviers · 1 establishment unit since 1958
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.
Chaussée de Heusy 2084800 VerviersGround area
1,418 m²
Building footprint
421 m²
Volume, LiDAR
2,806 m³
Parcel 63079D0428/00E009, Wallonia · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Heusy 208, 4800 Verviers
since 19582.006.195.273
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63079D0428/00E009 | Wallonia | 1,418 m² | 1 · 421 m² | 10.4 m · 2 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.
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J.R.M. AUTOS
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Of 10,679 companies in sector 47811 we hold annual accounts for 5,225. 3,706 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded13-06-1958
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
45194
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95313Repair and fitting of specific motor vehicle parts
46713Wholesale trade
50104
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.