RAMAN
ActiveSummary
RAMAN has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €49k and a net result of €331. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 89% of 9623 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability39▲+39
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 4.81 against 5.3 in 2023; short-term debt: 20.8% and cash: 14% of total assets), and 20.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
79.2%
Return on assets
0.5%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-05-2025, 78 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
78 d early
2023
23 d late
2022
21 d late
2021
52 d early
2020
54 d late
2019
91 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€49k▲ 0.7%
2023 · €49k
2018: €56k
2019: €58k
2020: €58k
2021: €61k
2022: €65k
2023: €49k
2018 → 2024
Total assets
€62k▲ 3.1%
2023 · €60k
2018: €68k
2019: €90k
2020: €112k
2021: €99k
2022: €76k
2023: €60k
2018 → 2024
Net result
€331
2023 · €-16k
2018: €3k
2019: €1k
2020: €391
2021: €3k
2022: €3k
2023: €-16k
2018 → 2024
Working capital
€49k▲ 0.7%
2023 · €49k
2018: €56k
2019: €58k
2020: €58k
2021: €61k
2022: €65k
2023: €49k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€58k-€61k▲ 5.7%€65k▲ 5.4%€49k▼ 24.1%€49k▲ 0.7%
Operating result€679-€4k▲ 553%€4k▲ 1.2%€-15k€379
Net result€391-€3k▲ 750%€3k▼ 0.7%€-16k€331
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €379 after a loss of €15k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €62k
Equity
€49k ▲ 0.7%
Debt
€13k ▲ 13.6%
Debt's share of the balance-sheet total rises from 18.9% to 20.8%. Equity and debt are higher.
Key figures and ratios
Current ratio
4.81▼
2023 · 5.30
Debt to equity
0.26▲
2023 · 0.23
ROE
0.7%▲
2023 · -31.8%
ROA
0.5%▲
2023 · -25.8%
Debt ≤ 1 year
€13k▲
2023 · €11k
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 · 2024 against 2023 · 31 lines
Balance sheet
Code20232024
Assets
Total assets20/58€60k€62k▲
Current assets29/58€60k€62k▲
Amounts receivable within one year40/41€51k€53k▲
Trade receivables40€8k€3k▼
Other amounts receivable41€43k€51k▲
Cash at bank and in hand54/58€9k€9k▼
Deferred charges and accrued income490/1€129€181▲
Equity and liabilities
Total equity and liabilities10/49€60k€62k▲
Equity10/15€49k€49k▲
Contributions10/11€31k€31k=
Reserves13€18k€18k▲
Distributable reserves133€18k€18k▲
Amounts payable17/49€11k€13k▲
Amounts payable within one year42/48€11k€13k▲
Trade debts44€11k€13k▲
Suppliers440/4€11k€13k▲
Income statement
Code20232024
Other operating charges640/8€516€528▲
Gross operating margin9900€-15k€907▲
Operating profit (loss)9901€-15k€379▲
Financial income75/76B€134€181▲
Recurring financial income75€134€181▲
Financial charges65/66B€247€228▼
Recurring financial charges65€247€228▼
Profit (loss) for the period before taxes9903€-16k€331▲
Income taxes67/77€0-
Profit (loss) for the period9904€-16k€331▲
Profit (loss) for the period to be appropriated9905€-16k€331▲
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€331▲
Transfer from equity791/2€16k-
Transfer to equity691/2-€331
To the legal reserve6920-€331
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
2025
14-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €331
Net result €331 after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 23 days late
2023
31-12
Financial
Weakest financial yearnet €-16k ▼573%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 21 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 6.73
Current ratio from 2.62 to 6.73; short-term debt falls from €38k to €11k.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €3k ▲750%
Net result €3k, the highest in the series.
23-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 54 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
2016
29-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
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, Gent · 1 establishment unit since 1978
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.
Hubert Frère-Orbanlaan 6389000 GentGround area
666 m²
Building footprint
302 m²
Volume, LiDAR
7,366 m³
Parcel 44804D2993/00C000, Flanders · tallest building 27.4 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
RAMAN
since 19782.015.035.339
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44804D2993/00C000 | Flanders | 666 m² | 1 · 302 m² | 27.4 m · 9 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
VICI-DC
BE 0783.933.016
Houthalen-Helchteren · Eq €49,394
GALATAN
BE 0841.762.931
Antwerpen · Eq €49,402
TAMOKO
BE 0898.569.792
Brussel · Eq €49,111
MAAKbar vzw
BE 0450.990.414
Leuven · Eq €49,990
INFORGIX SPRL
BE 0458.436.054
Limbourg · Eq €48,630
Of 3,234 companies in sector 47781 we hold annual accounts for 744. 466 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
Founded14-06-1978
Fiscal year end31-12
Activities, NACEBEL 2025
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 47 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.