Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 2 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
RAM CONSULTANCY from Knokke-Heist, company number BE0449567185, closed financial year 2025 with a result of € -5,234 after tax. For that financial year RAM CONSULTANCY recorded a gross margin of € -4,285 and equity of € 425,354. Compared with financial year 2024, the result moved from € -6,581 to € -5,234. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on March 31, 2026.
€ 425,354
▼ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -5,234
▲ 20 % less loss than in 2024
Profit after tax over the fiscal year.
Loss, nothing to pay out
Reserves fell to € 394,367.
People and assets in 2025
€ 3,757
▼ 54% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 4,974
▲ 15% vs 2024
Loans from banks and other lenders, long and short.
€ 78,145
▼ 4% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 533
▲ 9% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -8,944 | € -4,120 | € -3,726 | € -4,285 | ▼ € 559 |
| Profit after taxes | € -12,774 | € -9,705 | € -6,581 | € -5,234 | ▲ € 1,347 |
| Equity | € 446,874 | € 437,169 | € 430,588 | € 425,354 | ▼ 1% |
| Total debts | € 354,016 | € 377,481 | € 394,755 | € 411,619 | ▲ 4% |
| Retained profit | € 415,887 | € 406,182 | € 399,601 | € 394,367 | ▼ 1% |
| Bank debt | € 10,026 | € 4,929 | € 4,343 | € 4,974 | ▲ 15% |
| Balance sheet total | € 800,890 | € 814,650 | € 825,342 | € 836,972 | ▲ 1% |
Key figures of RAM CONSULTANCY, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
What happened to RAM CONSULTANCY?
What happened at RAM CONSULTANCY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 5,234. Source: NBB ↗
- Hendrik Rosmalen became a director. NBB
- Joanna De Loos became a director. NBB
- New establishment in Knokke-Heist. KBO
- Start of the company according to the CBE. KBO
In short
From € 12,774 loss in 2022 to € 5,234 loss in 2025.
Paid € 2,135 in corporate taxes since 2022.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind RAM CONSULTANCY are Hendrik Rosmalen and Joanna De Loos.
Directors
According to the 2025 annual accounts
Hendrik Rosmalen
Managing director
since 2022
Joanna De Loos
Director
since 2022
Establishments
Establishment units
Physical locations of this company
Zeegrasstraat 36
8301 Knokke-Heist
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0449.567.185
- VAT number
- BE 0449.567.185
- Registered office
- Zeegrasstraat 36, 8301 Knokke-Heist
- Names & denominations
- RAM CONSULTANCY
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 5 March 1993
- Peppol
- Active · Active since 25 Feb 2026
- Activities · NACE
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