RAMON CARL
ActiveRAMON CARL has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €238k and a net result of €17k. Equity is growing by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 61% of 9982 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
61
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability60▼-17
Solvency78▼-22
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity short (current ratio 0.55 against 3.79 in 2023; short-term debt: 45.9% and cash: 12.4% of total assets), and 47.3% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
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 26-06-2025, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
35 d early
2023
37 d early
2022
32 d early
2021
38 d early
2020
51 d early
2019
51 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€238k▲ 7.5%
2023 · €221k
2018: €168k
2019: €180k
2020: €189k
2021: €194k
2022: €206k
2023: €221k
2018 → 2024
Total assets
€452k▲ 86.8%
2023 · €242k
2018: €248k
2019: €192k
2020: €203k
2021: €226k
2022: €220k
2023: €242k
2018 → 2024
Net result
€17k▲ 5.9%
2023 · €16k
2018: €36k
2019: €14k
2020: €13k
2021: €5k
2022: €12k
2023: €16k
2018 → 2024
Working capital
€-93k
2023 · €51k
2018: €162k
2019: €159k
2020: €175k
2021: €185k
2022: €201k
2023: €51k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€189k-€194k▲ 2.6%€206k▲ 6.0%€221k▲ 7.6%€238k▲ 7.5%
Operating result€16k-€8k▼ 50.3%€17k▲ 117%€23k▲ 32.1%€32k▲ 40.8%
Net result€13k-€5k▼ 61.3%€12k▲ 137%€16k▲ 35.4%€17k▲ 5.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 41% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €452k
Fixed assets
€337k▲ 95.7%
Current assets
€114k▲ 64.8%
Equity and liabilities €452k
Equity
€238k▲ 7.5%
Debt
€213k▲ 956%
The debt ratio rises from 8.4% to 47.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€39k▲
2023 · €27k
Cash flow
€24k▲
2023 · €20k
Solvency
52.7%▼
2023 · 91.6%
Current ratio
0.55▼
2023 · 3.79
Quick ratio
0.53▼
2023 · 3.66
Debt / equity
0.90▲
2023 · 0.09
ROE
7.0%▼
2023 · 7.1%
ROA
3.7%▼
2023 · 6.5%
Interest coverage
4.45▼
2023 · 40.46
Debt
€213k▲
2023 · €20k
Debt ≤ 1 year
€207k▲
2023 · €18k
Income taxes
€6k▲
2023 · €6k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€242k€452k▲
Fixed assets21/28€172k€337k▲
Tangible fixed assets22/27€172k€337k▲
Land and buildings22€170k€324k▲
Plant, machinery and equipment23€2k€13k▲
Furniture and vehicles24€0-
Current assets29/58€69k€114k▲
Stocks and contracts in progress3€2k€4k▲
Stocks30/36€2k€4k▲
Amounts receivable within one year40/41€32k€48k▲
Trade receivables40€30k€44k▲
Other amounts receivable41€1k€4k▲
Cash at bank and in hand54/58€33k€56k▲
Deferred charges and accrued income490/1€2k€6k▲
Equity and liabilities
Total equity and liabilities10/49€242k€452k▲
Equity10/15€221k€238k▲
Contributions10/11€6k€6k=
Reserves13€215k€232k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€215k€232k▲
Amounts payable17/49€20k€213k▲
Amounts payable within one year42/48€18k€207k▲
Trade debts44€2k€11k▲
Suppliers440/4€2k€11k▲
Taxes, remuneration and social security45€3k€6k▲
Taxes450/3€3k€6k▲
Other amounts payable47/48€14k€191k▲
Accrued charges and deferred income492/3€2k€6k▲
Income statement
Code20232024
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€8k▲
Other operating charges640/8€22k€8k▼
Gross operating margin9900€49k€48k▼
Operating profit (loss)9901€23k€32k▲
Financial income75/76B€1€134▲
Recurring financial income75€1€134▲
Financial charges65/66B€660€9k▲
Recurring financial charges65€660€9k▲
Profit (loss) for the period before taxes9903€22k€23k▲
Income taxes67/77€6k€6k▲
Profit (loss) for the period9904€16k€17k▲
Profit (loss) for the period to be appropriated9905€16k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€17k▲
Transfer to equity691/2€16k€17k▲
To other reserves6921€16k€17k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 15.26
Current ratio from 6.95 to 15.26; short-term debt falls from €31k to €14k.
31-12
Financial
Equity above €200kEq €206k ▲6%
5 profitable years in a row build equity to €206k.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €5k ▼61.3%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity times 5current ratio 14.42
Current ratio from 3.14 to 14.42; short-term debt falls from €76k to €12k.
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
03-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Wervik · 1 establishment unit since 2012
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.
Kruisekestraat 5278940 WervikGround area
585 m²
Building footprint
140 m²
Volume, LiDAR
704 m³
Parcel 33029F0138/00S002, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CARL RAMON
since 20122.207.988.432
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33029F0138/00S002 | Flanders | 585 m² | 1 · 140 m² | 7.9 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.
Similar companies · same sector, comparable size
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RESINA SOLUTION
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BAUUNTERNEHMEN MEYER & HEINEN
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RENODEX
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 11,630 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-2012
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
43331Floor and wall tiling
43422Screed work
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.