DE RUYSSCHER FACILITY
ActiveDE RUYSSCHER FACILITY is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-58k) and a net result of €35k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 5% of 7994 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 7994 sector peers (2025).
NBB · sector comparisonPosition among 7994 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
28 d late
2023
19 d late
2022
40 d early
2021
6 d early
2020
16 d early
2019
51 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-58k▲ 37.6%
2024 · €-93k
2019: €98k
2020: €106k
2021: €111k
2022: €119k
2023: €195k
2024: €-93k
2019 → 2025
Net result
€35k
2024 · €-289k
2019: €-230
2020: €8k
2021: €5k
2022: €8k
2023: €78k
2024: €-289k
2019 → 2025
Total assets
€42k▲ 1,261%
2024 · €3k
2019: €449k
2020: €412k
2021: €401k
2022: €303k
2023: €309k
2024: €3k
2019 → 2025
Solvency
-138.4%▲ 2880.9pp
2024 · -3019.3%
2019: 21.8%
2020: 25.8%
2021: 27.6%
2022: 39.2%
2023: 63.3%
2024: -3019.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€111k-€119k▲ 7.4%€195k▲ 64.3%€-93k€-58k▲ 37.6%
Operating result€17k-€16k▼ 8.1%€6k▼ 64.7%€17k▲ 198%€46k▲ 176%
Net result€5k-€8k▲ 77.6%€78k▲ 858%€-289k€35k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 176% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €42k
Fixed assets
€2k▲ 283%
Current assets
€40k▲ 1,440%
Key figures and ratios
Solvency
-138.4%
ROA
83.5%
Debt
€100k▲
2024 · €97k
Debt ≤ 1 year
€24k▲
2024 · €20k
Debt > 1 year
€75k=
2024 · €75k
Income taxes
€13k▲
2024 · €4k
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€3k€42k▲
Fixed assets21/28€480€2k▲
Tangible fixed assets22/27-€1k
Plant, machinery and equipment23-€1k
Financial fixed assets28€480€480=
Current assets29/58€3k€40k▲
Amounts receivable within one year40/41€2k€38k▲
Trade receivables40€758€755▼
Other amounts receivable41€2k€37k▲
Cash at bank and in hand54/58€5€4▼
Deferred charges and accrued income490/1€118€2k▲
Equity and liabilities
Total equity and liabilities10/49€3k€42k▲
Equity10/15€-93k€-58k▲
Contributions10/11€30k€30k=
Reserves13€73k€73k=
Distributable reserves133€73k€73k=
Profit (loss) carried forward14€-196k€-161k▲
Amounts payable17/49€97k€100k▲
Amounts payable after more than one year17€75k€75k=
Financial debts170/4€75k€75k=
Amounts payable within one year42/48€20k€24k▲
Trade debts44€11k€6k▼
Suppliers440/4€11k€6k▼
Taxes, remuneration and social security45€5k€18k▲
Taxes450/3€5k€18k▲
Other amounts payable47/48€3k-
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€452
Other operating charges640/8€2k€938▼
Gross operating margin9900€19k€47k▲
Operating profit (loss)9901€17k€46k▲
Financial income75/76B-€2k
Recurring financial income75-€2k
Financial charges65/66B€301k€9▼
Recurring financial charges65€301k€9▼
Profit (loss) for the period before taxes9903€-285k€48k▲
Income taxes67/77€4k€13k▲
Profit (loss) for the period9904€-289k€35k▲
Profit (loss) for the period to be appropriated9905€-289k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-289k€-161k▲
Profit (loss) brought forward from the previous period14P-€-196k
Transfer from equity791/2€93k-
The notes to these accounts (6 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
31-12
Financial
Liquidity times 13current ratio 1.67
Current ratio from 0.13 to 1.67.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-289k ▼469%
Net result drops to €-289k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Highest result since 2019net €78k ▲858%
Net result €78k, the highest in the series.
31-12
Financial
Equity above €150kEq €195k ▲64.3%
4 profitable years in a row build equity to €195k.
2022
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
25-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
30-06
Financial
Equity above €100kEq €106k ▲8.4%
Equity rises from €98k to €106k.
2019
11-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
12-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
11-01
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.
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, Sint-Niklaas · 1 establishment unit since 2011
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.
Passtraat 1809100 Sint-NiklaasGround area
206 m²
Building footprint
106 m²
Volume, LiDAR
539 m³
Parcel 46446B0997/00C002, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stralitex
since 20112.199.716.906
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46446B0997/00C002 | Flanders | 206 m² | 1 · 106 m² | 9.5 m · 2 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 365 EUR awarded · 365 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 365 EUR | 365 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,509 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-05-2011
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.