RAMAFIN Consulting
ActiveSummary
RAMAFIN Consulting has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €385k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency26▼-2
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.79 against 0.56 in 2024; short-term debt: 42.6% and cash: 32.6% of total assets), and 99.1% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
0.9%
Return on assets
29.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 10%
← weakest
strongest →
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 13-07-2026, 18 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
18 d early
2024
24 d early
2023
on the day
2022
73 d early
2021
7 d early
2020
17 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k▼ 64.5%
2024 · €34k
2020: €16k
2021: €164k
2022: €305k
2023: €23k
2024: €34k
2020 → 2025
Total assets
€1.31M▲ 18.8%
2024 · €1.11M
2020: €24k
2021: €212k
2022: €1.06M
2023: €953k
2024: €1.11M
2020 → 2025
Net result
€385k▲ 25.8%
2024 · €306k
2020: €14k
2021: €147k
2022: €141k
2023: €168k
2024: €306k
2020 → 2025
Working capital
€-117k▲ 41.5%
2024 · €-200k
2020: €16k
2021: €162k
2022: €98k
2023: €-196k
2024: €-200k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€164k-€305k▲ 86.3%€23k▼ 92.4%€34k▲ 48.6%€12k▼ 64.5%
Operating result€191k-€189k▼ 0.9%€240k▲ 26.8%€427k▲ 78.1%€530k▲ 24.1%
Net result€147k-€141k▼ 4.2%€168k▲ 18.9%€306k▲ 82.3%€385k▲ 25.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 24% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.31M
Fixed assets
€872k ▲ 2.0%
Current assets
€442k ▲ 76.3%
Equity and liabilities €1.31M
Equity
€12k ▼ 64.5%
Debt
€1.30M ▲ 21.5%
Debt's share of the balance-sheet total rises from 96.9% to 99.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€559k▲
2024 · €452k
Cash flow
€415k▲
2024 · €332k
Current ratio
0.79▲
2024 · 0.56
ROA
29.3%▲
2024 · 27.7%
Interest coverage
25.02▲
2024 · 19.62
Debt ≤ 1 year
€560k▲
2024 · €451k
Debt > 1 year
€741k▲
2024 · €620k
Income taxes
€123k▲
2024 · €98k
A ratio outside any meaningful range has been withheld (balance sheet total €1.31M, equity €12k).
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.11M€1.31M▲
Fixed assets21/28€855k€872k▲
Tangible fixed assets22/27€855k€872k▲
Land and buildings22€835k€812k▼
Plant, machinery and equipment23€17k€51k▲
Furniture and vehicles24€2k€8k▲
Leasing and similar rights25€487€378▼
Current assets29/58€251k€442k▲
Amounts receivable within one year40/41€25k€12k▼
Trade receivables40€21k-
Other amounts receivable41€4k€12k▲
Cash at bank and in hand54/58€224k€429k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.11M€1.31M▲
Equity10/15€34k€12k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€32k€10k▼
Amounts payable17/49€1.07M€1.30M▲
Amounts payable after more than one year17€620k€741k▲
Financial debts170/4€620k€741k▲
Amounts payable within one year42/48€451k€560k▲
Current portion of amounts payable after more than one year42€28k€29k▲
Trade debts44€1k€518▼
Suppliers440/4€1k€518▼
Taxes, remuneration and social security45€16k€3k▼
Taxes450/3€16k€3k▼
Other amounts payable47/48€406k€527k▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€30k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€455k€562k▲
Operating profit (loss)9901€427k€530k▲
Financial income75/76B€719€704▼
Recurring financial income75€719€704▼
Financial charges65/66B€23k€22k▼
Recurring financial charges65€23k€22k▼
Profit (loss) for the period before taxes9903€404k€508k▲
Income taxes67/77€98k€123k▲
Profit (loss) for the period9904€306k€385k▲
Profit (loss) for the period to be appropriated9905€306k€385k▲
Appropriation of the result
Profit (loss) to be appropriated9906€327k€418k▲
Profit (loss) brought forward from the previous period14P€21k€32k▲
Profit to be distributed694/7€295k€407k▲
Return on contributions (dividend)694€295k€407k▲
The notes to these accounts (6 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €385k ▲25.8%
Operating result €530k, net result €385k, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €305k ▲86.3%
3 profitable years in a row build equity to €305k.
24-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €164k ▲902%
2 profitable years in a row build equity to €164k.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 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, Sint-Pieters-Woluwe · 2 establishment units since 2020
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.
Bemelstraat 301150 Sint-Pieters-WoluweGround area
2,427 m²
Building footprint
482 m²
Volume, LiDAR
5,991 m³
2 parcels, Brussels, Flanders · tallest building 16.6 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
RAMAFIN Consulting
since 20202.310.496.448
Tortelduivenlaan 9, 1950 Kraainem
since 20212.323.007.666
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002C0047/00Z025 | Flanders | 1,263 m² | 1 · 135 m² | 11.6 m · 3 fl. |
| 21684B0048/00Y005 | Brussels | 1,164 m² | 1 · 347 m² | 16.6 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 25,171 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 formPrivate limited company
Founded01-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
66199Other activities auxiliary to financial services, excluding insurance and pension funding
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:gauthier.ramaekers@gmail.com