Summary
SUNIL RAM is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €128,599 and a net result of €65,255. Equity is growing by ~60.1% per year across the filed fiscal years. Its solvency ranks better than 16% of 3318 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
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. 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 · 3 filingsDeviation from the deadline
2025
59 d late
2024
31 d late
2023
92 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 61 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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. Usually files around 28 September (3 of the last 3 filed years within 34 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€128,599▲ 103%
2024 · €63,344
Net result
€65,255▲ 497%
2024 · €10,929
Total assets
€658,116▲ 6.6%
2024 · €617,419
Solvency
19.5%▲ 9.3pp
2024 · 10.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€65,939-€18,722▼ 71.6%€100,199▲ 435%
Net result€39,915within the sector's middle half-€10,929within the sector's middle half▼ 72.6%€65,255within the sector's middle half▲ 497%
Equity€52,415within the sector's middle half-€63,344within the sector's middle half▲ 20.9%€128,599within the sector's middle half▲ 103%
Total assets€676,157within the sector's middle half-€617,419within the sector's middle half▼ 8.7%€658,116within the sector's middle half▲ 6.6%
Debt€623,741-€554,074▼ 11.2%€529,516▼ 4.4%
Working capital-€5,362below the sector's middle half-€4,996within the sector's middle half€71,689within the sector's middle half▲ 1,335%
Solvency7.8%below the sector's middle half-10.3%below the sector's middle half▲ 2.5pp19.5%within the sector's middle half▲ 9.3pp
Current ratio0.96within the sector's middle half-1.04within the sector's middle half▲ 0.081.50within the sector's middle half▲ 0.46
Return on assets (ROA)5.9%within the sector's middle half-1.8%below the sector's middle half▼ 4.1pp9.9%within the sector's middle half▲ 8.1pp
Staff (FTE)1.9-2.4▲ 26.3%2.9▲ 20.8%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 435% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €658,116
Fixed assets
€443,265 ▼ 9.4%
Current assets
€214,851 ▲ 67.5%
Equity and liabilities €658,116
Equity
€128,599 ▲ 103%
Debt
€529,516 ▼ 4.4%
Debt's share of the balance-sheet total falls from 89.7% to 80.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
50.7%▲
2024 · 17.3%
Debt ≤ 1 year
€143,162▲
2024 · €123,275
Debt > 1 year
€386,354▼
2024 · €430,799
Income taxes
€22,669▲
2024 · €6,456
Staff costs
€178,782▲
2024 · €152,930
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €200,776 | €152,930 | €178,782 | ▲ 16.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €103,705 | €67,353 | €67,981 | ▲ 0.9% |
| Other operating charges640/8 | €4,030 | €3,450 | €4,993 | ▲ 44.7% |
| Gross operating margin9900 | €374,451 | €242,455 | €351,955 | ▲ 45.2% |
| Operating profit (loss)9901 | €65,939 | €18,722 | €100,199 | ▲ 435% |
| Financial income75/76B | €312 | €707 | €1,272 | ▲ 80.0% |
| Recurring financial income75 | €312 | €707 | €1,272 | ▲ 80.0% |
| Financial charges65/66B | €12,608 | €2,043 | €13,547 | ▲ 563% |
| Recurring financial charges65 | €12,608 | €2,043 | €13,547 | ▲ 563% |
| Profit (loss) for the period before taxes9903 | €53,643 | €17,385 | €87,923 | ▲ 406% |
| Income taxes67/77 | €13,728 | €6,456 | €22,669 | ▲ 251% |
| Profit (loss) for the period9904 | €39,915 | €10,929 | €65,255 | ▲ 497% |
| Profit (loss) for the period to be appropriated9905 | €39,915 | €10,929 | €65,255 | ▲ 497% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €676,157 | €617,419 | €658,116 | ▲ 6.6% |
| Fixed assets21/28 | €550,562 | €489,147 | €443,265 | ▼ 9.4% |
| Intangible fixed assets21 | €370,603 | €327,399 | €284,196 | ▼ 13.2% |
| Tangible fixed assets22/27 | €179,959 | €161,312 | €158,633 | ▼ 1.7% |
| Land and buildings22 | - | - | €20,412 | - |
| Plant, machinery and equipment23 | €2,608 | €2,244 | €1,880 | ▼ 16.2% |
| Furniture and vehicles24 | €177,351 | €157,368 | €134,642 | ▼ 14.4% |
| Other tangible fixed assets26 | - | €1,700 | €1,700 | = |
| Financial fixed assets28 | - | €436 | €436 | = |
| Current assets29/58 | €125,595 | €128,272 | €214,851 | ▲ 67.5% |
| Amounts receivable after more than one year29 | €10,374 | €30,467 | €40,724 | ▲ 33.7% |
| Other amounts receivable291 | €10,374 | €30,467 | €40,724 | ▲ 33.7% |
| Amounts receivable within one year40/41 | - | €402 | €749 | ▲ 86.5% |
| Other amounts receivable41 | - | €402 | €749 | ▲ 86.5% |
| Cash at bank and in hand54/58 | €107,410 | €88,979 | €126,814 | ▲ 42.5% |
| Deferred charges and accrued income490/1 | €7,811 | €8,424 | €46,564 | ▲ 453% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €676,157 | €617,419 | €658,116 | ▲ 6.6% |
| Equity10/15 | €52,415 | €63,344 | €128,599 | ▲ 103% |
| Contributions10/11 | €12,500 | €12,500 | €12,500 | = |
| Profit (loss) carried forward14 | €39,915 | €50,844 | €116,099 | ▲ 128% |
| Amounts payable17/49 | €623,741 | €554,074 | €529,516 | ▼ 4.4% |
| Amounts payable after more than one year17 | €492,785 | €430,799 | €386,354 | ▼ 10.3% |
| Financial debts170/4 | €492,785 | €430,799 | €386,354 | ▼ 10.3% |
| Amounts payable within one year42/48 | €130,957 | €123,275 | €143,162 | ▲ 16.1% |
| Current portion of amounts payable after more than one year42 | €61,112 | €56,271 | €64,524 | ▲ 14.7% |
| Trade debts44 | €12,891 | €15,574 | €11,587 | ▼ 25.6% |
| Suppliers440/4 | €12,891 | €15,574 | €11,587 | ▼ 25.6% |
| Taxes, remuneration and social security45 | €56,954 | €51,431 | €67,051 | ▲ 30.4% |
| Taxes450/3 | €17,628 | €29,734 | €33,418 | ▲ 12.4% |
| Remuneration and social security454/9 | €39,326 | €21,697 | €33,633 | ▲ 55.0% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €39,915 | €10,929 | €65,255 | ▲ 497% |
| + Depreciation and write-downs630 | €103,705 | €67,353 | €67,981 | ▲ 0.9% |
| Operating cash flow (approximation) | €143,620 | €78,282 | €133,236 | ▲ 70.2% |
| Investment in fixed assets (approximation) | - | -€5,939 | -€22,099 | ▼ 272% |
| Change in cash | - | -€18,431 | €37,835 | ▲ 305% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 59 days late
2025
31-12
Financial
Highest result since 2023net €65,255 ▲497%
Operating result €100,199, net result €65,255, both a record.
31-12
Financial
Equity above €100,000Eq €128,599 ▲103%
3 profitable years in a row build equity to €128,599.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €10,929 ▼72.6%
Net result drops to €10,929, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Beernem · 1 establishment unit since 2022
Ground area
307 m²
Building footprint
116 m²
Volume, LiDAR
700 m³
Parcel 31003G0054/00Z005, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
SUNIL RAM
since 20222.327.675.841
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31003G0054/00Z005 | Flanders | 307 m² | 1 · 116 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 339 EUR awarded · 289 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 339 EUR | 289 EUR |
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 1,091 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
64921Financial service activities, except insurance and pension funding
64922Financial service activities, except insurance and pension funding
66220Insurance agents and brokers
Contact
E-mail
sunil.ram.eu@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0781669451
Also
9925:BE0781669451
Registered
16-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.