RAMON
ActiveRAMON has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €624k and a net result of €229k. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+20
Solvency100=
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 25.83 against 20.08 in 2024; short-term debt: 3.9% and cash: 98.8% of total assets), and 3.9% 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 · 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
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
96.1%
Return on assets
35.2%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 23
Relative position
BE, all sectors
reference
Sector 23
lower
← fewer bankruptcies
more bankruptcies →
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
28 d early
2023
22 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
70 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€624k▲ 57.8%
2024 · €396k
2018: €527k
2019: €239k
2020: €253k
2021: €283k
2022: €337k
2023: €357k
2024: €396k
2018 → 2025
Total assets
€650k▲ 56.5%
2024 · €415k
2018: €531k
2019: €543k
2020: €260k
2021: €304k
2022: €362k
2023: €370k
2024: €415k
2018 → 2025
Net result
€229k▲ 491%
2024 · €39k
2018: €15k
2019: €12k
2020: €14k
2021: €30k
2022: €54k
2023: €20k
2024: €39k
2018 → 2025
Working capital
€624k▲ 67.9%
2024 · €372k
2018: €491k
2019: €209k
2020: €228k
2021: €258k
2022: €312k
2023: €332k
2024: €372k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€283k-€337k▲ 19.1%€357k▲ 6.0%€396k▲ 10.9%€624k▲ 57.8%
Operating result€48k-€80k▲ 66.5%€31k▼ 61.3%€61k▲ 96.9%€335k▲ 452%
Net result€30k-€54k▲ 83.1%€20k▼ 62.4%€39k▲ 90.8%€229k▲ 491%
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 452% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €650k
Fixed assets
€381▼ 98.4%
Current assets
€649k▲ 66.0%
Equity and liabilities €650k
Equity
€624k▲ 57.8%
Debt
€25k▲ 29.0%
The debt ratio falls from 4.7% to 3.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€336k▲
2024 · €61k
Cash flow
€229k▲
2024 · €39k
Solvency
96.1%▲
2024 · 95.3%
Current ratio
25.83▲
2024 · 20.08
Quick ratio
25.83▲
2024 · 18.80
Debt / equity
0.04▼
2024 · 0.05
ROE
36.6%▲
2024 · 9.8%
ROA
35.2%▲
2024 · 9.3%
Interest coverage
2100.45▲
2024 · 94.64
Debt
€25k▲
2024 · €19k
Debt ≤ 1 year
€25k▲
2024 · €19k
Income taxes
€106k▲
2024 · €22k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€415k€650k▲
Fixed assets21/28€24k€381▼
Tangible fixed assets22/27€24k€381▼
Land and buildings22€23k-
Plant, machinery and equipment23€938€381▼
Furniture and vehicles24€130-
Current assets29/58€391k€649k▲
Stocks and contracts in progress3€25k-
Stocks30/36€25k-
Amounts receivable within one year40/41€94k€8k▼
Trade receivables40€77k-
Other amounts receivable41€17k€8k▼
Cash at bank and in hand54/58€272k€642k▲
Deferred charges and accrued income490/1€297-
Equity and liabilities
Total equity and liabilities10/49€415k€650k▲
Equity10/15€396k€624k▲
Contributions10/11€79k€79k=
Reserves13€316k€544k▲
Non-distributable reserves130/1€38k€38k=
Other1319€38k€38k=
Distributable reserves133€278k€506k▲
Profit (loss) carried forward14€923€1k▲
Amounts payable17/49€19k€25k▲
Amounts payable within one year42/48€19k€25k▲
Trade debts44€639€1k▲
Suppliers440/4€639€1k▲
Taxes, remuneration and social security45€17k€23k▲
Taxes450/3€17k€23k▲
Other amounts payable47/48€1k€1k▼
Income statement
Code20242025
Non-recurring operating income76A-€374k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€747€439▼
Other operating charges640/8€5k€8k▲
Gross operating margin9900€66k€343k▲
Operating profit (loss)9901€61k€335k▲
Financial income75/76B€695€253▼
Recurring financial income75€695€253▼
Financial charges65/66B€649€160▼
Recurring financial charges65€649€160▼
Profit (loss) for the period before taxes9903€61k€335k▲
Income taxes67/77€22k€106k▲
Profit (loss) for the period9904€39k€229k▲
Profit (loss) for the period to be appropriated9905€39k€229k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€230k▲
Profit (loss) brought forward from the previous period14P€890€923▲
Transfer to equity691/2€39k€229k▲
To other reserves6921€39k€229k▲
The notes to these accounts (5 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €229k ▲491%
Operating result €335k, net result €229k, both a record.
31-12
Financial
Equity above €500kEq €624k ▲57.8%
8 profitable years in a row build equity to €624k.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 26.86
Current ratio from 13.28 to 26.86; short-term debt falls from €25k to €13k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity times 19current ratio 32.84
Current ratio from 1.69 to 32.84; short-term debt falls from €303k to €7k.
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
31-12
Financial
Weakest financial yearnet €12k ▼22.7%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 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 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Comines-Warneton · 1 establishment unit since 2001
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.
Langemarkweg(KOM) 37780 Comines-WarnetonGround area
4,806 m²
Building footprint
543 m²
Volume, LiDAR
3,194 m³
Parcel 54002C1090/00G000, Wallonia · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RAMON SPRL
since 20012.046.982.189
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54002C1090/00G000 | Wallonia | 4,806 m² | 1 · 543 m² | 6.9 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.
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Of 14 companies in sector 23140 we hold annual accounts for 9. 5 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-01-1990
Fiscal year end31-12
Activities, NACEBEL
23140Manufacture of other non-metallic mineral products
46869Wholesale trade
51562
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.