RAM-TRANS
ActiveSummary
RAM-TRANS has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €7k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 18% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+25
Solvency41▲+5
Growth85▲+30
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.6 against 1.18 in 2024; short-term debt: 41% and cash: 0% of total assets), and 84.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-02-2026, 16 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 · 4 filingsDeviation from the deadline
2025
16 d late
2024
287 d late
2023
2 d early
2022
6 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€104k▲ 24.7%
2022 · €83k
2022: €83k
2022 → 2023
EBIT margin
7.8%▼ 0.5pp
2022 · 8.4%
2022: 8.4%
2022 → 2023
Net result
€7k
2024 · €-13k
2022: €5k
2023: €5k
2024: €-13k
2022 → 2025
Working capital
€-22k
2024 · €4k
2022: €5k
2023: €14k
2024: €4k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€83k-€104k▲ 24.7%
Equity€16k-€21k▲ 29.6%€9k▼ 59.0%€21k▲ 138%
Operating result€7k-€8k▲ 16.7%€-13k€15k
Net result€5k-€5k▲ 1.8%€-13k€7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €15k after a loss of €13k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €133k
Fixed assets
€101k ▲ 105%
Current assets
€33k ▲ 12.7%
Equity and liabilities €133k
Equity
€21k ▲ 138%
Debt
€112k ▲ 62.1%
Debt's share of the balance-sheet total falls from 88.8% to 84.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€47k▲
2024 · €7k
Cash flow
€39k▲
2024 · €7k
Current ratio
0.60▼
2024 · 1.18
Debt to equity
5.40▼
2024 · 7.94
ROE
34.5%▲
2024 · -144.2%
ROA
5.4%▲
2024 · -16.1%
Interest coverage
11.53▼
2024 · 93.34
Debt ≤ 1 year
€55k▲
2024 · €24k
Debt > 1 year
€58k▲
2024 · €45k
Income taxes
€4k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€78k€133k▲
Fixed assets21/28€49k€101k▲
Tangible fixed assets22/27€49k€101k▲
Plant, machinery and equipment23€406€185▼
Furniture and vehicles24€49k€100k▲
Current assets29/58€29k€33k▲
Amounts receivable within one year40/41€18k€24k▲
Trade receivables40€17k€22k▲
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€10k€17▼
Deferred charges and accrued income490/1€918€9k▲
Equity and liabilities
Total equity and liabilities10/49€78k€133k▲
Equity10/15€9k€21k▲
Contributions10/11€1k€1k=
Reserves13€6k€13k▲
Distributable reserves133€6k€13k▲
Profit (loss) carried forward14€2k€7k▲
Amounts payable17/49€69k€112k▲
Amounts payable after more than one year17€45k€58k▲
Financial debts170/4€45k€58k▲
Amounts payable within one year42/48€24k€55k▲
Current portion of amounts payable after more than one year42€10k€19k▲
Trade debts44€1k€23k▲
Suppliers440/4€1k€23k▲
Advances received on contracts in progress46€8k-
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3€5k€5k▲
Remuneration and social security454/9-€4k
Other amounts payable47/48€177€3k▲
Income statement
Code20242025
Non-recurring operating income76A-€4k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€32k▲
Other operating charges640/8€1k€7k▲
Gross operating margin9900€9k€53k▲
Operating profit (loss)9901€-13k€15k▲
Financial income75/76B-€41
Recurring financial income75-€41
Financial charges65/66B€79€4k▲
Recurring financial charges65€79€4k▲
Profit (loss) for the period before taxes9903€-13k€11k▲
Income taxes67/77-€4k
Profit (loss) for the period9904€-13k€7k▲
Profit (loss) for the period to be appropriated9905€-13k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€14k▲
Profit (loss) brought forward from the previous period14P€14k€7k▼
Transfer to equity691/2-€7k
To other reserves6921-€7k
The notes to these accounts (8 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
31-07
State Gazette act
Resignation: Bogumila NIEWIARA-MADETKO (zaakvoerster)2 facts ▸
State Gazette act
Resignation: Bogumila NIEWIARA-MADETKO (zaakvoerster)
2 facts ▸
- General meeting, 15/06/2026
- Director resignation, Bogumila NIEWIARA-MADETKO (zaakvoerster)
16-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 16 days late
2025
14-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 287 days late
30-06
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
2024
30-06
Financial
Weakest financial yearnet €-13k ▼358%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
30-06-2026
Resigned as Zaakvoerster
Location & real-estate footprint
Registered office, Merelbeke-Melle · 1 establishment unit since 2019
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.
Eikenmolenwijk 579820 Merelbeke-MelleGround area
291 m²
Building footprint
109 m²
Volume, LiDAR
674 m³
Parcel 44043A0104/00Z002, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RAM-TRANS
since 20192.295.550.629
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44043A0104/00Z002 | Flanders | 291 m² | 1 · 109 m² | 9.3 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.
Similar companies · same sector, comparable size
BONORISE
BE 1016.037.485
Zaventem · Eq €20,813
ECO EFFICIENCE
BE 0629.907.112
Lessines · Eq €20,795
Zidi Construct
BE 0536.697.832
Genk · Eq €20,794
Antwerpse Betonvloeren
BE 0768.271.474
Kruibeke · Eq €20,794
Les Etablissements Charles Laurent
BE 0561.707.204
Wezembeek-Oppem · Eq €20,826
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,251 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formGeneral partnership
Founded24-09-2019
Fiscal year end30-06
Activities, NACEBEL 2025
43990Other specialised construction activities
43221Plumbing work
43350Other building finishing work
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:mariusz.niewiara@telenet.be