Financials
- Fiscal year
- 2025
- Total assets
- €1.1m
- Loss
- -€78,360
- Solvency
- 24.1%
Total assets▲ 49.1%
Net result
20232025
De Ruyt
ActiveSummary
De Ruyt has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €270,504 and a net result of -€78,360. Equity is shrinking by ~17.3% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.2% (low).
Overview
Activity
Activity not known1 site
Size
€1.1mtotal assets 2025
- Equity
- €270,504
- Loss
- -€78,360
Turnover not published (abridged schema)
Structure
- Largest shareholder
- LPQ · 50%
- Board
- 1 member
Accounts 17 d early1 of 2 deeds read
Why 63- Liquidity: current ratio 0.18, cash €15, halved- Founded in 2023+ Size: total assets €1.1m+ No main activity registeredShow the evidence
Checked score
Score 2025
63
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 24% of its sector peers (no NACE code, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
49-22
equity 24.1% of total assets
Liquidity
50-2
short-term debt 8.6% · cash 0.0%
Profitability
10-2
return on assets -7.0%
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 10 months
01-2026: 0.2%
02-2026: 0.2%● 0.0% vs 01-2026
03-2026: 0.2%▼ -2.0% vs 02-2026
04-2026: 0.2%▼ -3.8% vs 03-2026lowest value
05-2026: 0.2%▲ +0.9% vs 04-2026
06-2026: 0.2%▲ +3.4% vs 05-2026
07-2026: 0.3%▲ +17.8% vs 06-2026
08-2026: 1.2%▲ +327% vs 07-2026highest value
09-2026: 1.2%● 0.0% vs 08-2026highest value
10-2026: 1.2%● 0.0% vs 09-2026highest value
- Liquidity: current ratio 0.18, cash €15, halved raises the probability
- Size: total assets €1.1m lowers the probability for this profile
- No main activity registered lowers the probability
- Founded in 2023 raises the probability for this profile
Credit up to €17,000 at 30 days acceptable
Liquidity short (current ratio 0.18 against 0.2 in 2024; short-term debt: 8.6% and cash: 0% of total assets), and 75.9% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 30%, liquidity 37%, profitability 12%, growth against the median 16%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
232425
2023 to 2025 · latest year -€78,360
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-07-2026, 17 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
17 d early
2024
9 d early
2023
16 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 3 accounts on average 14 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
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. Usually files around 16 July (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Appointment: LPQ (director)Permanent representative: Lucas Petitqueux
- Weakest financial yearnet -€78,360
Key points
By topic
Board & ownership
- Board
- 1 member
- Largest shareholder
- LPQ · 50%
Go to Board & ownership
Timeline
- Events
- 5
- Since
- 2024
- Next accounts
- by 31-07-2027
- 14-07-2026Annual accounts filed
- 26-06-2026Appointment: LPQ (director)
- 31-12-2025Weakest financial year
Company details
- Sites
- 1
- Legal form
- Private limited company
- Founded
- 09-03-2023
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 1
- Who signs
- Each director alone
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