RAMSIT
ActiveSummary
RAMSIT has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €30k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 74% of 2699 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability93▼-5
Solvency98▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 3.68 against 3.72 in 2024; short-term debt: 26.8% and cash: 94.1% of total assets), and 26.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
73.2%
Return on assets
19.2%
Age of the figures
9 mo
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 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
29 d late
2023
35 d early
2022
33 d early
2021
1 d late
2020
9 d late
2019
3 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€116k▼ 2.1%
2024 · €118k
2018: €94klowest in 8 years
2019: €111k▲ +18.5% vs 2018
2020: €109k▼ -2.0% vs 2019
2021: €111k▲ +1.9% vs 2020
2022: €110k▼ -0.8% vs 2021
2023: €111k▲ +0.6% vs 2022
2024: €118k▲ +6.5% vs 2023highest in 8 years
2025: €116k▼ -2.1% vs 2024
2018 → 2025
Total assets
€158k▼ 1.5%
2024 · €160k
2018: €105klowest in 8 years
2019: €122k▲ +15.2% vs 2018
2020: €147k▲ +20.6% vs 2019
2021: €155k▲ +5.6% vs 2020
2022: €144k▼ -6.8% vs 2021
2023: €159k▲ +10.5% vs 2022
2024: €160k▲ +0.5% vs 2023highest in 8 years
2025: €158k▼ -1.5% vs 2024
2018 → 2025
Net result
€30k▼ 19.4%
2024 · €38k
2018: €40k
2019: €37k▼ -6.6% vs 2018
2020: €43k▲ +14.4% vs 2019highest in 8 years
2021: €41k▼ -4.0% vs 2020
2022: €30k▼ -26.5% vs 2021lowest in 8 years
2023: €36k▲ +17.8% vs 2022
2024: €38k▲ +5.6% vs 2023
2025: €30k▼ -19.4% vs 2024
2018 → 2025
Working capital
€113k▼ 1.2%
2024 · €115k
2018: €91klowest in 8 years
2019: €109k▲ +20.6% vs 2018
2020: €100k▼ -8.2% vs 2019
2021: €104k▲ +3.0% vs 2020
2022: €107k▲ +3.0% vs 2021
2023: €106k▼ -1.0% vs 2022
2024: €115k▲ +8.7% vs 2023highest in 8 years
2025: €113k▼ -1.2% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€111k-€110k▼ 0.8%€111k▲ 0.6%€118k▲ 6.5%€116k▼ 2.1%
2021: €111k
2022: €110k▼ -0.8% vs 2021lowest in 5 years
2023: €111k▲ +0.6% vs 2022
2024: €118k▲ +6.5% vs 2023highest in 5 years
2025: €116k▼ -2.1% vs 2024
Operating result€51k-€36k▼ 28.5%€46k▲ 25.5%€48k▲ 6.2%€39k▼ 19.9%
2021: €51khighest in 5 years
2022: €36k▼ -28.5% vs 2021lowest in 5 years
2023: €46k▲ +25.5% vs 2022
2024: €48k▲ +6.2% vs 2023
2025: €39k▼ -19.9% vs 2024
Net result€41k-€30k▼ 26.5%€36k▲ 17.8%€38k▲ 5.6%€30k▼ 19.4%
2021: €41khighest in 5 years
2022: €30k▼ -26.5% vs 2021lowest in 5 years
2023: €36k▲ +17.8% vs 2022
2024: €38k▲ +5.6% vs 2023
2025: €30k▼ -19.4% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €158k
Fixed assets
€2k ▼ 36.0%
Current assets
€156k ▼ 0.7%
Equity and liabilities €158k
Equity
€116k ▼ 2.1%
Debt
€42k ▲ 0.4%
Debt's share of the balance-sheet total rises from 26.3% to 26.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€41k▼
2024 · €51k
Cash flow
€32k▼
2024 · €40k
Current ratio
3.68▼
2024 · 3.72
Debt to equity
0.37▲
2024 · 0.36
ROE
26.2%▼
2024 · 31.8%
ROA
19.2%▼
2024 · 23.4%
Interest coverage
44.20▼
2024 · 69.02
Debt ≤ 1 year
€42k▲
2024 · €42k
Income taxes
€9k▼
2024 · €10k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€160k€158k▼
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€150€150=
Current assets29/58€157k€156k▼
Amounts receivable within one year40/41€2k€4k▲
Trade receivables40-€1k
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€155k€148k▼
Deferred charges and accrued income490/1€98€3k▲
Equity and liabilities
Total equity and liabilities10/49€160k€158k▼
Equity10/15€118k€116k▼
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€101k€98k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€99k€97k▼
Profit (loss) carried forward14€11k€11k=
Amounts payable17/49€42k€42k▲
Amounts payable within one year42/48€42k€42k▲
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Taxes, remuneration and social security45€5k€5k▼
Taxes450/3€5k€5k▼
Other amounts payable47/48€33k€33k▼
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€89k€100k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€53k€42k▼
Operating profit (loss)9901€48k€39k▼
Financial income75/76B€283€1k▲
Recurring financial income75€283€1k▲
Financial charges65/66B€740€927▲
Recurring financial charges65€740€927▲
Profit (loss) for the period before taxes9903€48k€39k▼
Income taxes67/77€10k€9k▼
Profit (loss) for the period9904€38k€30k▼
Profit (loss) for the period to be appropriated9905€38k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€41k▼
Profit (loss) brought forward from the previous period14P€11k€11k=
Transfer from equity791/2€17k€23k▲
Transfer to equity691/2€25k€20k▼
To other reserves6921€25k€20k▼
Profit to be distributed694/7€30k€33k▲
Return on contributions (dividend)694€17k€23k▲
Directors or managers695€13k€10k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €503 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €73k | €81k | €94k | €89k | €100k | ▲ 12.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €5k | €3k | €3k | €2k | ▼ 18.7% |
| Other operating charges640/8 | €982 | €990 | €698 | €2k | €1k | ▼ 32.7% |
| Gross operating margin9900 | €56k | €42k | €49k | €53k | €42k | ▼ 20.2% |
| Operating profit (loss)9901 | €51k | €36k | €46k | €48k | €39k | ▼ 19.9% |
| Financial income75/76B | - | €11 | - | €283 | €1k | ▲ 262% |
| Recurring financial income75 | - | €11 | - | €283 | €1k | ▲ 262% |
| Financial charges65/66B | €585 | €708 | €784 | €740 | €927 | ▲ 25.2% |
| Recurring financial charges65 | €585 | €708 | €784 | €740 | €927 | ▲ 25.2% |
| Profit (loss) for the period before taxes9903 | €50k | €36k | €45k | €48k | €39k | ▼ 18.9% |
| Income taxes67/77 | €9k | €5k | €9k | €10k | €9k | ▼ 17.0% |
| Profit (loss) for the period9904 | €41k | €30k | €36k | €38k | €30k | ▼ 19.4% |
| Profit (loss) for the period to be appropriated9905 | €41k | €30k | €36k | €38k | €30k | ▼ 19.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €155k | €144k | €159k | €160k | €158k | ▼ 1.5% |
| Fixed assets21/28 | €8k | €3k | €5k | €3k | €2k | ▼ 36.0% |
| Tangible fixed assets22/27 | €7k | €3k | €5k | €3k | €2k | ▼ 37.7% |
| Plant, machinery and equipment23 | €183 | €87 | - | - | - | - |
| Furniture and vehicles24 | €7k | €3k | €5k | €3k | €2k | ▼ 37.7% |
| Other tangible fixed assets26 | €257 | €135 | €12 | - | - | - |
| Financial fixed assets28 | €150 | €150 | €150 | €150 | €150 | = |
| Current assets29/58 | €147k | €141k | €154k | €157k | €156k | ▼ 0.7% |
| Amounts receivable within one year40/41 | €12k | €3k | €2k | €2k | €4k | ▲ 138% |
| Trade receivables40 | €10k | - | - | - | €1k | - |
| Other amounts receivable41 | €2k | €3k | €2k | €2k | €2k | ▲ 52.0% |
| Cash at bank and in hand54/58 | €135k | €138k | €152k | €155k | €148k | ▼ 4.4% |
| Deferred charges and accrued income490/1 | - | - | €222 | €98 | €3k | ▲ 3,401% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €155k | €144k | €159k | €160k | €158k | ▼ 1.5% |
| Equity10/15 | €111k | €110k | €111k | €118k | €116k | ▼ 2.1% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Outside capital11 | €6k | €6k | €6k | €6k | €6k | = |
| Other1109/19 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €94k | €93k | €94k | €101k | €98k | ▼ 2.5% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €92k | €91k | €92k | €99k | €97k | ▼ 2.5% |
| Profit (loss) carried forward14 | €11k | €11k | €11k | €11k | €11k | = |
| Amounts payable17/49 | €44k | €34k | €49k | €42k | €42k | ▲ 0.4% |
| Amounts payable within one year42/48 | €44k | €34k | €49k | €42k | €42k | ▲ 0.4% |
| Trade debts44 | €5k | €3k | €3k | €4k | €5k | ▲ 15.1% |
| Suppliers440/4 | €5k | €3k | €3k | €4k | €5k | ▲ 15.1% |
| Taxes, remuneration and social security45 | €3k | €689 | €2k | €5k | €5k | ▼ 6.9% |
| Taxes450/3 | €3k | €689 | €2k | €5k | €5k | ▼ 6.9% |
| Other amounts payable47/48 | €36k | €31k | €43k | €33k | €33k | ▼ 0.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €41k | €30k | €36k | €38k | €30k | ▼ 19.4% |
| + Depreciation and write-downs630 | €4k | €5k | €3k | €3k | €2k | ▼ 18.7% |
| Operating cash flow (approximation) | €45k | €35k | €39k | €40k | €32k | ▼ 19.4% |
| Investment in fixed assets (approximation) | - | €-781 | €-5k | €-695 | €-1k | ▼ 47.3% |
| Change in cash | - | €3k | €14k | €3k | €-7k | ▼ 309% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €30k ▼26.5%
Net result drops to €30k, the lowest in the series; recovery starts the following year.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-12
Financial
Highest result since 2018net €43k ▲14.4%
Operating result €53k, net result €43k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €111k ▲18.5%
2 profitable years in a row build equity to €111k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Antwerpen · 1 establishment unit since 2014
Ground area
1,049 m²
Building footprint
779 m²
Volume, LiDAR
8,810 m³
Parcel 11803C0310/00N000, Flanders · tallest building 21.5 m, ±4 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
RAMSIT
since 20142.237.248.382
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11803C0310/00N000 | Flanders | 1,049 m² | 1 · 779 m² | 21.5 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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
CLOUD SOLUTIONS
BE 0631.688.546
Etterbeek · Eq €115,523
SpineWise
BE 0776.967.228
Gent · Eq €115,486
AS BUILT DIGITAL
BE 0804.338.054
Asse · Eq €115,637
Slim IT consulting
BE 0773.898.266
Brussel · Eq €115,367
Yambla
BE 0847.825.431
Merchtem · Eq €115,365
Of 16,879 companies in sector 62100 we hold annual accounts for 8,771. 6,937 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-12-2014
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
63910Web portal activities
95100Repair and maintenance of computers and communication equipment
Contact
Website
www.ramsit.com
Scores and ratios are computed by Checked and are not a credit decision.