RAMUS
ActiveRAMUS has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €136k and a net result of €-52k. Equity is shrinking by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 48% of 13270 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability5▲+5
Solvency53▼-12
Growth32=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.21 against 1.47 in 2024; short-term debt: 60.5% and cash: 9.7% of total assets), and 71.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
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
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 2025Solvency, return and age of the figures
Solvency
28.2%
Return on assets
-10.8%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-52k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
57 d late
2022
28 d late
2021
62 d late
2020
62 d late
2019
73 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
€136k▼ 27.7%
2024 · €189k
2018: €319k
2019: €330k
2020: €186k
2021: €325k
2022: €372k
2023: €340k
2024: €189k
2018 → 2025
Total assets
€484k▲ 2.6%
2024 · €472k
2018: €555k
2019: €554k
2020: €403k
2021: €594k
2022: €572k
2023: €534k
2024: €472k
2018 → 2025
Net result
€-52k▲ 65.6%
2024 · €-152k
2018: €141k
2019: €46k
2020: €-144k
2021: €139k
2022: €47k
2023: €-31k
2024: €-152k
2018 → 2025
Working capital
€62k▼ 51.4%
2024 · €127k
2018: €234k
2019: €260k
2020: €183k
2021: €296k
2022: €341k
2023: €265k
2024: €127k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€325k-€372k▲ 14.5%€340k▼ 8.4%€189k▼ 44.6%€136k▼ 27.7%
Operating result€151k-€67k▼ 56.0%€-18k€-138k▼ 673%€-43k▲ 69.2%
Net result€139k-€47k▼ 66.1%€-31k€-152k▼ 385%€-52k▲ 65.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €43k in 2025 against €138k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €484k
Fixed assets
€129k▲ 74.5%
Current assets
€355k▼ 10.8%
Equity and liabilities €484k
Equity
€136k▼ 27.7%
Debt
€347k▲ 22.7%
The debt ratio rises from 60.0% to 71.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-11k▲
2024 · €-118k
Cash flow
€-21k▲
2024 · €-132k
Solvency
28.2%▼
2024 · 40.0%
Current ratio
1.21▼
2024 · 1.47
Quick ratio
1.09▼
2024 · 1.36
Debt / equity
2.55▲
2024 · 1.50
ROE
-38.3%▲
2024 · -80.5%
ROA
-10.8%▲
2024 · -32.2%
Interest coverage
-1.18▲
2024 · -8.63
Debt
€347k▲
2024 · €283k
Debt ≤ 1 year
€293k▲
2024 · €271k
Debt > 1 year
€55k▲
2024 · €12k
Income taxes
€257▲
2024 · €-16
Staff costs
€539k▼
2024 · €568k
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€472k€484k▲
Fixed assets21/28€74k€129k▲
Tangible fixed assets22/27€60k€115k▲
Plant, machinery and equipment23€23k€25k▲
Furniture and vehicles24€25k€76k▲
Other tangible fixed assets26€13k€14k▲
Financial fixed assets28€14k€14k▲
Current assets29/58€398k€355k▼
Amounts receivable after more than one year29€238k€235k▼
Other amounts receivable291€238k€235k▼
Stocks and contracts in progress3€29k€34k▲
Stocks30/36€29k€34k▲
Amounts receivable within one year40/41€60k€25k▼
Trade receivables40€27k€14k▼
Other amounts receivable41€33k€10k▼
Cash at bank and in hand54/58€59k€47k▼
Deferred charges and accrued income490/1€12k€14k▲
Equity and liabilities
Total equity and liabilities10/49€472k€484k▲
Equity10/15€189k€136k▼
Contributions10/11€6k€6k=
Reserves13€31k€31k=
Non-distributable reserves130/1€31k€31k=
Reserves not available under the articles1311€930€930=
Other1319€30k€30k=
Profit (loss) carried forward14€151k€99k▼
Amounts payable17/49€283k€347k▲
Amounts payable after more than one year17€12k€55k▲
Financial debts170/4€12k€55k▲
Amounts payable within one year42/48€271k€293k▲
Financial debts43€55k€17k▼
Credit institutions430/8€55k€17k▼
Trade debts44€99k€119k▲
Suppliers440/4€99k€119k▲
Advances received on contracts in progress46€2k€2k=
Taxes, remuneration and social security45€114k€154k▲
Taxes450/3€38k€34k▼
Remuneration and social security454/9€76k€120k▲
Accrued charges and deferred income492/3€16€15▼
Income statement
Code20242025
Non-recurring operating income76A€7k€52k▲
Remuneration, social security and pensions62€568k€539k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€32k▲
Other operating charges640/8€9k€8k▼
Non-recurring operating charges66A€66k€1k▼
Gross operating margin9900€525k€537k▲
Operating profit (loss)9901€-138k€-43k▲
Financial income75/76B€32-
Recurring financial income75€32-
Financial charges65/66B€14k€9k▼
Recurring financial charges65€14k€9k▼
Profit (loss) for the period before taxes9903€-152k€-52k▲
Income taxes67/77€-16€257▲
Profit (loss) for the period9904€-152k€-52k▲
Profit (loss) for the period to be appropriated9905€-152k€-52k▲
Appropriation of the result
Profit (loss) to be appropriated9906€151k€99k▼
Profit (loss) brought forward from the previous period14P€303k€151k▼
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €-152k
Net result drops to €-152k, the lowest in the series; recovery starts the following year.
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
01-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 62 days late
2021
31-12
Financial
Back to profitnet €139k
Net result €139k after one loss-making year.
31-12
Financial
Equity above €200kEq €325k ▲74.6%
Equity rises from €186k to €325k.
01-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 62 days late
2020
12-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 73 days late
2019
09-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 40 days late
2018
13-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 44 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Gent · 1 establishment unit since 2006
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.
Hooiaard 89000 GentGround area
235 m²
Building footprint
206 m²
Volume, LiDAR
3,261 m³
Parcel 44803C0024/00A000, Flanders · tallest building 18.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
GODOT
since 20062.151.695.966
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44803C0024/00A000 | Flanders | 235 m² | 1 · 206 m² | 18.2 m · 5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGent2.151.695.966
Similar companies · same sector, comparable size
REI
BE 0688.682.083
Sint-Gillis (bij-Brussel) · Eq €136k
De Val
BE 0799.456.875
Heusden-Zolder · Eq €136k
Eetcafé Den Os
BE 0694.706.377
Maarkedal · Eq €136k
SAFIR 03
BE 0647.999.194
Sint-Gillis (bij-Brussel) · Eq €136k
ROUNGNAK-GROUP
BE 0474.891.610
Antwerpen · Eq €136k
Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 3,436 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-02-2006
Fiscal year end31-12
Activities, NACEBEL
55401
56301Cafés and bars
55301
55522
56101Full-service restaurants
56111Full-service restaurants
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.