Ripetro Ramsel

Active

Private limited company (pre-2019)founded 201115 yrs activeStationsstraat(RAM) 78, 2230 Herselt, BelgiumKBO/BCE: BE 0834.902.160

Ripetro Ramsel has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-173k) and a net result of €-23k. Equity is shrinking by ~63.6% per year across the filed fiscal years. Its solvency ranks better than 6% of 10230 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

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Checked score

Score 2025

15 / 100

Critical= vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability66▼-34

Solvency36▼-1

Growth32=

Stability100

Bankruptcy probability, 12 months

1.0% Low

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.61 against 0.65 in 2024), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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 →

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 2025

Solvency, return and age of the figures

Solvency

-50.2%

Return on assets

-6.7%

Age of the figures

8 mo

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Negative equity

Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year -€173k

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-06-2026, 59 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

59 d early

2024

66 d early

2023

62 d early

2022

29 d late

2021

31 d late

2020

1 d early

2019

5 d late

← before the deadline after the deadline →

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 months

Position in the running window

13-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€-173k▼ 15.3%

2024 · €-150k

2018: €55k 2019: €14k 2020: €4k 2021: €-31k 2022: €-48k 2023: €-108k 2024: €-150k

2018 → 2025

Total assets

€345k▼ 6.1%

2024 · €368k

2018: €298k 2019: €296k 2020: €198k 2021: €210k 2022: €340k 2023: €338k 2024: €368k

2018 → 2025

Net result

€-23k▲ 45.7%

2024 · €-42k

2018: €4k 2019: €-41k 2020: €-10k 2021: €-35k 2022: €-16k 2023: €-60k 2024: €-42k

2018 → 2025

Working capital

€-194k▼ 12.4%

2024 · €-173k

2018: €36k 2019: €-7k 2020: €-15k 2021: €-60k 2022: €-72k 2023: €-133k 2024: €-173k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€-31k-€-48k▼ 52.3%€-108k▼ 126%€-150k▼ 39.3%€-173k▼ 15.3%

Operating result€-31k-€-8k▲ 73.0%€-56k▼ 563%€-36k▲ 35.2%€-18k▲ 50.3%

Net result€-35k-€-16k▲ 53.5%€-60k▼ 265%€-42k▲ 29.4%€-23k▲ 45.7%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €18k in 2025 against €36k in 2024; the loss shrinks.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €345k

11%

88.9%

Fixed assets €38k▼ 16.8%

Current assets €307k▼ 4.6%

Key figures and ratios

2025 value · change against 2024

EBITDA

€-8k▲

2024 · €-25k

Cash flow

€-13k▲

2024 · €-32k

Solvency

-50.2%▼

2024 · -40.8%

Current ratio

0.61▼

2024 · 0.65

Quick ratio

0.51▲

2024 · 0.45

Debt / equity

-2.99▲

2024 · -3.45

ROE

13.3%▼

2024 · 28.2%

ROA

-6.7%▲

2024 · -11.5%

Interest coverage

-1.49▲

2024 · -4.00

Debt

€518k▲

2024 · €518k

Debt ≤ 1 year

€501k▲

2024 · €494k

Debt > 1 year

€17k▼

2024 · €24k

Staff costs

€42k▼

2024 · €55k

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€368k€345k▼

Formation expenses20€0€0=

Fixed assets21/28€46k€38k▼

Intangible fixed assets21€0€0=

Tangible fixed assets22/27€45k€36k▼

Land and buildings22€2k€2k▼

Plant, machinery and equipment23€34k€27k▼

Furniture and vehicles24€1k€157▼

Other tangible fixed assets26€7k€7k▼

Financial fixed assets28€2k€2k▲

Current assets29/58€322k€307k▼

Stocks and contracts in progress3€99k€52k▼

Stocks30/36€99k€52k▼

Amounts receivable within one year40/41€214k€250k▲

Trade receivables40€120k€121k▲

Other amounts receivable41€94k€129k▲

Current investments50/53-€5k

Cash at bank and in hand54/58€8k€0▼

Deferred charges and accrued income490/1€469€399▼

Equity and liabilities

Total equity and liabilities10/49€368k€345k▼

Equity10/15€-150k€-173k▼

Contributions10/11€20k€20k=

Reserves13€2k€2k=

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Profit (loss) carried forward14€-172k€-195k▼

Amounts payable17/49€518k€518k▲

Amounts payable after more than one year17€24k€17k▼

Financial debts170/4€24k€17k▼

Amounts payable within one year42/48€494k€501k▲

Current portion of amounts payable after more than one year42€6k€6k▲

Financial debts43€24k€30k▲

Credit institutions430/8€24k€30k▲

Trade debts44€121k€146k▲

Suppliers440/4€121k€146k▲

Advances received on contracts in progress46€2k€659▼

Taxes, remuneration and social security45€10k€19k▲

Taxes450/3€457€11k▲

Remuneration and social security454/9€9k€8k▼

Other amounts payable47/48€331k€299k▼

Income statement Code20242025

Remuneration, social security and pensions62€55k€42k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼

Other operating charges640/8€3k€5k▲

Gross operating margin9900€32k€39k▲

Operating profit (loss)9901€-36k€-18k▲

Financial income75/76B€20€34▲

Recurring financial income75€20€34▲

Financial charges65/66B€6k€5k▼

Recurring financial charges65€6k€5k▼

Profit (loss) for the period before taxes9903€-42k€-23k▲

Profit (loss) for the period9904€-42k€-23k▲

Profit (loss) for the period to be appropriated9905€-42k€-23k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-172k€-195k▼

Profit (loss) brought forward from the previous period14P€-130k€-172k▼

Social balance

Average headcount (FTE)90871.21.3▲

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 11Financial 1Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

02-06

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

26-05

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

30-05

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

31-12

Financial Weakest financial yearnet €-60k

Net result drops to €-60k, the lowest in the series; recovery starts the following year.

29-08

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema · 29 days late

2022

31-08

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema · 31 days late

2021

30-07

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema

2020

05-08

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema · 5 days late

2019

26-08

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema · 26 days late

2018

30-10

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema · 91 days late

2017

31-08

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema · 31 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Herselt · 1 establishment unit since 2011

establishment The establishment unit on the map

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.

Stationsstraat(RAM) 782230 Herselt

Ground area

1,567 m²

Building footprint

85 m²

Volume, LiDAR

275 m³

Parcel 13034H0274/00L000, Flanders · tallest building 5.3 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

Ripetro Ramsel

Stationsstraat(RAM) 78, 2230 HerseltRetail sale of automotive fuel

since 20112.197.427.310

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13034H0274/00L000	Flanders	1,567 m²	1 · 85 m²	5.3 m · 1 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.

Similar companies · same sector, comparable size

STATION MULTISERVICES

BE 0451.304.772

Theux · Eq €4k

Of 1,262 companies in sector 47300 we hold annual accounts for 946. 214 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company (pre-2019)

Founded24-03-2011

Fiscal year end31-12

Activities, NACEBEL

47300Retail sale of automotive fuel

47110Non-specialised retail sale with food, beverages or tobacco predominating

47112Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers

Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.