Well, darling, the ratio fraction of 250 over 1000 is 1/4. It's as simple as reducing that fraction down to its simplest form. So, there you have it, 1/4 is the sassy answer you were looking for.
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0.196 is a fraction. It is a fraction in decimal form rather than in the form of a ratio. However, that does not stop it being a fraction. And, since it is a decimal fraction, there is not another simpler decimal form. Its equivalent, in rational form, is 196/1000 which simplifies to 49/250.
250 ------- 1000
132/1000 = 33/250
0.644 as a simplified fraction = 644/1000 = 161/250
As a fraction 250/1000, (as a decimal 0.250).