Ram & Ram
ActiveSummary
Ram & Ram has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €26k. Equity is growing by ~44% per year across the filed fiscal years. Its solvency ranks better than 95% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 10.56 against 2.91 in 2024; short-term debt: 8.1% and cash: 20.8% of total assets), and 8.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
91.9%
Return on assets
37.8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
8 d early
2024
41 d early
2023
9 d early
2022
46 d early
2021
18 d late
2020
255 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€64k▲ 69.8%
2024 · €38k
2020: €18k
2021: €11k▼ -37.5% vs 2020lowest in 6 years
2022: €18k▲ +66.1% vs 2021
2023: €23k▲ +24.8% vs 2022
2024: €38k▲ +64.0% vs 2023
2025: €64k▲ +69.8% vs 2024highest in 6 years
2020 → 2025
Total assets
€70k▲ 36.3%
2024 · €51k
2020: €53k
2021: €42k▼ -20.0% vs 2020
2022: €38k▼ -8.9% vs 2021
2023: €37k▼ -4.7% vs 2022lowest in 6 years
2024: €51k▲ +39.7% vs 2023
2025: €70k▲ +36.3% vs 2024highest in 6 years
2020 → 2025
Net result
€26k▲ 78.8%
2024 · €15k
2020: €3k
2021: €-7k▼ -340% vs 2020lowest in 6 years
2022: €7k▲ +210% vs 2021
2023: €5k▼ -37.6% vs 2022
2024: €15k▲ +222% vs 2023
2025: €26k▲ +78.8% vs 2024highest in 6 years
2020 → 2025
Working capital
€54k▲ 111%
2024 · €26k
2020: €3k
2021: €-3k▼ -197% vs 2020lowest in 6 years
2022: €6k▲ +332% vs 2021
2023: €13k▲ +106% vs 2022
2024: €26k▲ +105% vs 2023
2025: €54k▲ +111% vs 2024highest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€18k▲ 66.1%€23k▲ 24.8%€38k▲ 64.0%€64k▲ 69.8%
2021: €11klowest in 5 years
2022: €18k▲ +66.1% vs 2021
2023: €23k▲ +24.8% vs 2022
2024: €38k▲ +64.0% vs 2023
2025: €64k▲ +69.8% vs 2024highest in 5 years
Operating result€-7k-€8k€5k▼ 39.0%€15k▲ 225%€30k▲ 99.4%
2021: €-7klowest in 5 years
2022: €8k▲ +213% vs 2021
2023: €5k▼ -39.0% vs 2022
2024: €15k▲ +225% vs 2023
2025: €30k▲ +99.4% vs 2024highest in 5 years
Net result€-7k-€7k€5k▼ 37.6%€15k▲ 222%€26k▲ 78.8%
2021: €-7klowest in 5 years
2022: €7k▲ +210% vs 2021
2023: €5k▼ -37.6% vs 2022
2024: €15k▲ +222% vs 2023
2025: €26k▲ +78.8% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 99% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€10k ▼ 17.9%
Current assets
€60k ▲ 53.1%
Equity and liabilities €70k
Equity
€64k ▲ 69.8%
Debt
€6k ▼ 57.9%
Debt's share of the balance-sheet total falls from 26.3% to 8.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32k▲
2024 · €17k
Cash flow
€29k▲
2024 · €17k
Current ratio
10.56▲
2024 · 2.91
Quick ratio
9.52▲
2024 · 2.16
Debt to equity
0.09▼
2024 · 0.36
ROE
41.1%▲
2024 · 39.0%
ROA
37.8%▲
2024 · 28.8%
Interest coverage
202.44▲
2024 · 126.60
Debt ≤ 1 year
€6k▼
2024 · €13k
Income taxes
€3k
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 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€51k€70k▲
Fixed assets21/28€12k€10k▼
Intangible fixed assets21€7k€5k▼
Tangible fixed assets22/27€2k€2k▼
Furniture and vehicles24€2k€2k▼
Financial fixed assets28€3k€3k=
Current assets29/58€39k€60k▲
Stocks and contracts in progress3€10k€6k▼
Stocks30/36€10k€6k▼
Amounts receivable within one year40/41€18k€39k▲
Other amounts receivable41€18k€39k▲
Cash at bank and in hand54/58€11k€14k▲
Equity and liabilities
Total equity and liabilities10/49€51k€70k▲
Equity10/15€38k€64k▲
Contributions10/11€15k€15k=
Reserves13€23k€49k▲
Distributable reserves133€23k€49k▲
Amounts payable17/49€13k€6k▼
Amounts payable within one year42/48€13k€6k▼
Trade debts44€13k€5k▼
Suppliers440/4€13k€5k▼
Taxes, remuneration and social security45€732€579▼
Taxes450/3€732€579▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€505€811▲
Gross operating margin9900€18k€33k▲
Operating profit (loss)9901€15k€30k▲
Financial charges65/66B€135€157▲
Recurring financial charges65€135€157▲
Profit (loss) for the period before taxes9903€15k€30k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€15k€26k▲
Profit (loss) for the period to be appropriated9905€15k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€26k▲
Transfer to equity691/2€15k€26k▲
To other reserves6921€15k€26k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €1k | €2k | €2k | €2k | = |
| Other operating charges640/8 | €690 | €2k | €769 | €505 | €811 | ▲ 60.5% |
| Gross operating margin9900 | €-5k | €10k | €8k | €18k | €33k | ▲ 86.0% |
| Operating profit (loss)9901 | €-7k | €8k | €5k | €15k | €30k | ▲ 99.4% |
| Financial charges65/66B | €0 | - | €0 | €135 | €157 | ▲ 16.8% |
| Recurring financial charges65 | €0 | - | €0 | €135 | €157 | ▲ 16.8% |
| Profit (loss) for the period before taxes9903 | €-7k | €8k | €5k | €15k | €30k | ▲ 100% |
| Income taxes67/77 | - | €169 | - | - | €3k | - |
| Profit (loss) for the period9904 | €-7k | €7k | €5k | €15k | €26k | ▲ 78.8% |
| Profit (loss) for the period to be appropriated9905 | €-7k | €7k | €5k | €15k | €26k | ▲ 78.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €42k | €38k | €37k | €51k | €70k | ▲ 36.3% |
| Fixed assets21/28 | €14k | €12k | €14k | €12k | €10k | ▼ 17.9% |
| Intangible fixed assets21 | €11k | €9k | €8k | €7k | €5k | ▼ 20.3% |
| Tangible fixed assets22/27 | - | - | €3k | €2k | €2k | ▼ 33.3% |
| Furniture and vehicles24 | - | - | €3k | €2k | €2k | ▼ 33.3% |
| Financial fixed assets28 | €3k | €3k | €3k | €3k | €3k | = |
| Current assets29/58 | €28k | €26k | €22k | €39k | €60k | ▲ 53.1% |
| Stocks and contracts in progress3 | €26k | €21k | €16k | €10k | €6k | ▼ 41.2% |
| Stocks30/36 | €26k | €21k | €16k | €10k | €6k | ▼ 41.2% |
| Amounts receivable within one year40/41 | €1k | €283 | €2k | €18k | €39k | ▲ 123% |
| Other amounts receivable41 | €1k | €283 | €2k | €18k | €39k | ▲ 123% |
| Cash at bank and in hand54/58 | €1k | €5k | €4k | €11k | €14k | ▲ 27.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €42k | €38k | €37k | €51k | €70k | ▲ 36.3% |
| Equity10/15 | €11k | €18k | €23k | €38k | €64k | ▲ 69.8% |
| Contributions10/11 | €15k | €15k | €15k | €15k | €15k | = |
| Reserves13 | €3k | €3k | €8k | €23k | €49k | ▲ 116% |
| Distributable reserves133 | €3k | €3k | €8k | €23k | €49k | ▲ 116% |
| Profit (loss) carried forward14 | €-7k | - | - | - | - | - |
| Amounts payable17/49 | €31k | €20k | €14k | €13k | €6k | ▼ 57.9% |
| Amounts payable after more than one year17 | - | - | €4k | - | - | - |
| Financial debts170/4 | - | - | €4k | - | - | - |
| Amounts payable within one year42/48 | €31k | €20k | €10k | €13k | €6k | ▼ 57.9% |
| Trade debts44 | €5k | €9k | €10k | €13k | €5k | ▼ 60.0% |
| Suppliers440/4 | €5k | €9k | €10k | €13k | €5k | ▼ 60.0% |
| Taxes, remuneration and social security45 | - | - | - | €732 | €579 | ▼ 20.9% |
| Taxes450/3 | - | - | - | €732 | €579 | ▼ 20.9% |
| Other amounts payable47/48 | €27k | €11k | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-7k | €7k | €5k | €15k | €26k | ▲ 78.8% |
| + Depreciation and write-downs630 | €1k | €1k | €2k | €2k | €2k | = |
| Operating cash flow (approximation) | €-5k | €9k | €7k | €17k | €29k | ▲ 68.6% |
| Investment in fixed assets (approximation) | - | €0 | €-4k | €0 | €0 | - |
| Change in cash | - | €4k | €-1k | €7k | €3k | ▼ 56.6% |
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €26k ▲78.8%
Operating result €30k, net result €26k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 10.56
Current ratio from 2.91 to 10.56; short-term debt falls from €13k to €6k.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
12-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 255 days late
2021
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
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, Wuustwezel · 1 establishment unit since 2019
Ground area
355 m²
Building footprint
321 m²
Volume, LiDAR
1,773 m³
Parcel 11682G0463/00N000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Ram & Ram
since 20192.290.587.692
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11682G0463/00N000 | Flanders | 355 m² | 1 · 321 m² | 6.9 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteWuustwezel2.290.587.692
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,851. 4,659 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
Founded21-06-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Scores and ratios are computed by Checked and are not a credit decision.