Equity
€141,330 ▲ 7.5%
RRAMALIA has made a profit without a break since 2020.
RRAMALIA
Lifetime
17 annual accounts with figures on one time axispeak €933,376 (2025)
€933,376▲ 12.9%
lowest -€76,654 (2018)
€10,967▼ 20.3%
peak €166,655 (2016)
€141,330▲ 7.5%
€829,391▼ 4.7%
peak 15.5 FTE (2023)
14.2 FTE▼ 2.1%
Board3 names since 2021
1 directorNUREDINI Faredin
Documentsfilings and deeds
28-09-202659 days late
2025abbreviated format
Gross margin from €826,497 to €933,376Cash from €59,689 to €31,539
Key points
from the 2025 annual accountsTurnover
≈ €2.0m estimated
The accounts state no turnover.
Debts
€829,391 85% of the balance sheet
Financial debts 37%Suppliers 46%Taxes and wages 6%Other 10%
Of this, €643,811 falls due within a year.
Staff
15 employees on 31-12-2025
In 2025, 4 people joined and 1 left.
Filings
17 annual accounts since 2009
Six of the last ten came late. The 2025 accounts came latest: 59 days after the end of the period.
Position in the sector
€933,376
Higher gross margin than 89% of companies in construction of buildings. Sector median €131,278 · 2,810 companies.
Checked score
51
Fair
Financially stronger than 38% of small companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.8% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 911 companies (NACE 41, small).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.1%
01-2025: 1.1%● unchanged vs 12-2024
02-2025: 1.1%● unchanged vs 01-2025
03-2025: 1.1%● unchanged vs 02-2025
04-2025: 1.1%● unchanged vs 03-2025
05-2025: 1.0%▼ -0.1 percentage points vs 04-2025
06-2025: 1.0%● unchanged vs 05-2025lowest value
07-2025: 1.3%▲ +0.3 percentage points vs 06-2025
08-2025: 1.9%▲ +0.6 percentage points vs 07-2025
09-2025: 2.2%▲ +0.3 percentage points vs 08-2025
10-2025: 1.9%▼ -0.3 percentage points vs 09-2025
11-2025: 1.9%● unchanged vs 10-2025
12-2025: 1.9%● unchanged vs 11-2025
01-2026: 1.9%● unchanged vs 12-2025
02-2026: 1.9%● unchanged vs 01-2026
03-2026: 1.9%● unchanged vs 02-2026
04-2026: 1.9%● unchanged vs 03-2026
05-2026: 1.8%▼ -0.1 percentage points vs 04-2026
06-2026: 1.8%● unchanged vs 05-2026
07-2026: 1.9%▲ +0.1 percentage points vs 06-2026
08-2026: 2.7%▲ +0.8 percentage points vs 07-2026
09-2026: 3.3%▲ +0.6 percentage points vs 08-2026highest value
10-2026: 2.8%▼ -0.5 percentage points vs 09-2026
11-2026: 2.8%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Last filed accounts filed 59 days late; 2 of the last 3 accounts late
Sector: Construction of residential and non-residential buildings (NACE 41)
Equity €141,330 (14.5% of total assets)
Size: 14.2 FTE, total assets €976,532
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 41, small). It does better than 25% of them on solvency, 20% on liquidity, 46% on profitability and 61% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 4,107 companies had the same profile as RRAMALIA has now. Each dot stands for 11 companies, two years later.
97.9%
were still trading
0.9%
stopped another way
1.0%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of RRAMALIA itself is higher: 2.8% within 12 months. It rests on far more data about RRAMALIA than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 4,107 companies, not a prediction for RRAMALIA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €7,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.06 (1.06 in 2024), below the usual 1.5. Short-term debt is 65.9% and cash 3.2% of total assets. 85.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
raises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 2815 sector peers (2025).
NBB · sector comparisonPosition among 2815 sector peers
Solvency
better than 22%
← weakest
strongest →
raises risk · 2025 accounts filed 59 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-09-2026, 59 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
59 days late
2024
47 days late
2023
23 days early
2022
29 days late
2021
11 days early
2020
39 days late
2019
4 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 19 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% 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 29 August (4 of the last 5 accounts filed within 40 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0810441433
1 director appointed, 1 manager resigning
Change of role: NUREDINI Faredin, from manager to statutory director · Resignation: NUREDINI Bukurije (manager) · Appointment: NUREDINI Ilirjan (director) · Gazette deed
Registered-office move
General meeting of 01-04-2019 · Gazette deed
First establishment
Rue du Tilleul 254, Wanze
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| RRAMALIA Wanze | €1.0m | €0.9m | 14.5% | 14.2 |
| TEGELBEDRIJF STRUBBE Ichtegem | €1.0m | €1.0m | 21.3% | 15.4 |
| HOUSE & VOS REVES Lessines | €0.9m | €0.9m | 19.7% | 12.6 |
| Veralu Install Antwerp | €1.0m | €1.1m | 6.2% | 15.7 |
| CONSTRUCT -TIM Andenne | €0.8m | €1.0m | 58.6% | 15.2 |
| SORO BOUW Dilsen-Stokkem | €1.1m | €0.9m | 10.7% | 11.3 |
| CEMSTEEL Liège | €0.8m | €0.7m | 57.6% | 14.7 |
These companies have the same main activity as RRAMALIA: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €811,000 and €1.1m, founded between 2007 and 2010.
Official details
Source: KBO- Status
- Active since 16-03-2009Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 5 others
- Establishment unit
- 2.177.311.3894520 Wanze, since 18-03-2009
- Financial year end
- 31 December
- Peppol
- Reachable since 27-11-2025
Annual accounts 2025
- €976,532▼ 3.1%
- Employeeson 31-12-2025
- 15▲ 25.0%
- Filing
- Filed on 28-09-2026
Insights on RRAMALIA
RRAMALIA files the abbreviated format. That format states no turnover. The gross margin rose from €37,393 in 2009 to €933,376 in 2025.
The balance sheet grew most from 2016 to 2018 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about RRAMALIA
- What is the company number of RRAMALIA?
- The company number of RRAMALIA is 0810.441.433. The VAT number is the same number with BE in front: BE 0810.441.433.
- Where is RRAMALIA based?
- The registered office is at Rue du Tilleul 254, 4520 Wanze.Company details
- What does RRAMALIA do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of RRAMALIA?
- RRAMALIA is a private limited company (BV).
- When was RRAMALIA founded?
- RRAMALIA was founded on 16-03-2009.
- Is RRAMALIA still active?
- Yes, RRAMALIA is an active enterprise in the KBO register.
- How many employees does RRAMALIA have?
- RRAMALIA had an average of 14.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of RRAMALIA?
- The turnover in financial year 2025 is ≈ €2.0m. This figure is estimated from the gross margin of €933,376 and 30 comparable companies (NACE 41001). It probably lies between €1.6m and €2.9m.
- Is RRAMALIA profitable?
- In financial year 2025, RRAMALIA made a profit of €10,967.
- Where can I find the annual accounts of RRAMALIA?
- RRAMALIA filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of RRAMALIA due?
- RRAMALIA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence See whether the workforce is growing and whether people stay.Employer check Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check
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