BOURDIER RUFF & C°
ActiveBOURDIER RUFF & C° has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €230k and a net result of €-3k. Equity is shrinking by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 89% of 3168 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
70
/ 100
Healthy▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 15.19 against 15.2 in 2024), and 4.8% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€3k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-03-2026, 37 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
37 d early
2024
20 d late
2023
4 d early
2022
37 d early
2021
30 d early
2020
31 d early
2019
42 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-3k▲ 90.9%
2024 · €-33k
2018: €97k
2019: €4k
2020: €31k
2021: €9k
2022: €-63k
2023: €-7k
2024: €-33k
2018 → 2025
Working capital
€165k▼ 1.8%
2024 · €168k
2018: €243k
2019: €171k
2020: €190k
2021: €200k
2022: €211k
2023: €201k
2024: €168k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€336k-€273k▼ 18.9%€266k▼ 2.5%€233k▼ 12.4%€230k▼ 1.3%
Operating result€6k-€-81k€13k€-24k€-3k▲ 88.0%
Net result€9k-€-63k€-7k▲ 89.3%€-33k▼ 384%€-3k▲ 90.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €24k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €242k
Fixed assets
€65k=
Current assets
€176k▼ 1.8%
Equity and liabilities €242k
Equity
€230k▼ 1.3%
Debt
€12k▼ 1.7%
The debt ratio stays at 4.8%.
Key figures and ratios
Solvency
95.2%=
2024 · 95.2%
Current ratio
15.19=
2024 · 15.20
Quick ratio
15.19=
2024 · 15.20
Debt / equity
0.05▼
2024 · 0.05
ROE
-1.3%▲
2024 · -14.2%
ROA
-1.2%▲
2024 · -13.5%
Debt
€12k▼
2024 · €12k
Debt ≤ 1 year
€12k▼
2024 · €12k
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€245k€242k▼
Fixed assets21/28€65k€65k=
Financial fixed assets28€65k€65k=
Current assets29/58€179k€176k▼
Amounts receivable within one year40/41€110k€110k▲
Other amounts receivable41€110k€110k▲
Cash at bank and in hand54/58€69k€66k▼
Deferred charges and accrued income490/1€500-
Equity and liabilities
Total equity and liabilities10/49€245k€242k▼
Equity10/15€233k€230k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€213k€210k▼
Amounts payable17/49€12k€12k▼
Amounts payable within one year42/48€12k€12k▼
Trade debts44€395€190▼
Suppliers440/4€395€190▼
Other amounts payable47/48€11k€11k=
Income statement
Code20242025
Other operating charges640/8€404€400▼
Gross operating margin9900€-24k€-3k▲
Operating profit (loss)9901€-24k€-3k▲
Financial income75/76B-€72
Recurring financial income75-€72
Financial charges65/66B€9k€159▼
Recurring financial charges65€9k€159▼
Profit (loss) for the period before taxes9903€-33k€-3k▲
Profit (loss) for the period9904€-33k€-3k▲
Profit (loss) for the period to be appropriated9905€-33k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€213k€210k▼
Profit (loss) brought forward from the previous period14P€246k€213k▼
The notes to these accounts (2 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
24-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
20-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 20 days late
2024
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
24-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-09
Financial
Weakest financial yearnet €-63k ▼784%
Net result drops to €-63k, the lowest in the series; recovery starts the following year.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-09
Financial
Liquidity doublescurrent ratio 16.99
Current ratio from 6.89 to 16.99; short-term debt falls from €29k to €12k.
19-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Mouscron · 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.
Gustave Fachedreef(L) 37700 MouscronGround area
3,411 m²
Building footprint
577 m²
Parcel 54006N0215/00H002, Wallonia. Linked by address, not a title deed.
1 establishment unit
BOURDIER RUFF & CO
since 20062.153.503.136
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54006N0215/00H002 | Wallonia | 3,411 m² | 1 · 577 m² | - |
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
ELTAFIN
BE 0794.465.731
Temse · Eq €230k
DE BROCK IMMO
BE 0459.181.865
Knokke-Heist · Eq €230k
UROM
BE 0864.279.403
Kapellen · Eq €230k
iXint
BE 0842.870.018
Herentals · Eq €230k
ENVICAS
BE 0806.202.038
Halen · Eq €230k
Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 39,137 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded11-04-2006
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.