Equity
€76,108 from €263,337 in 2022
Equity fell by 71% in 3 years.
Dr Ruche
Lifetime
6 annual accounts with figures on one time axisGross marginpeak €161,838 (2024)
€154,956▼ 4.3%
Resultpeak €112,076 (2024)
€110,776▼ 1.2%
Equitypeak €263,337 (2022)
€76,108▲ 18.3%
Debts
€157,310▲ 33.7%
Board1 name since 2020
1 directorRuche Cathy
Documentsfilings and deeds
16-04-2026106 days before the deadline
2025micro format
Dividend €99,000Equity from €64,331 to €76,108Debts from €117,632 to €157,310Investments €21,995Cash from €65,274 to €97,900
Key points
from the 2025 annual accountsInvestments
€21,995 2.5 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 21.0% higher than in 2024.
Filings
6 annual accounts since 2020
The last five annual accounts were filed 26 to 155 days before the end of the period.
Checked score
94
Excellent
Financially stronger than 53% of micro companies in human health (NACE 86)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 24,173 companies (NACE 86, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026highest value
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026lowest value
07-2026: < 0.1%● unchanged vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Sector: Human health activities (NACE 86)
Liquidity: current ratio 0.92, cash €97,900
Size: total assets €233,418
Figures for financial year 2025 (filed on 16-04-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 86, micro). It does better than 28% of them on solvency, 43% on liquidity, 80% on profitability and 62% on growth.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as Dr Ruche has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Dr Ruche itself is lower: < 0.1% within 12 months. It rests on far more data about Dr Ruche than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for Dr Ruche. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €7,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.92 (0.9 in 2024), below 1. Short-term debt is 67.4% and cash 41.9% of total assets. 67.4% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
6 signals, none raises the risk
Six signals.
lowers riskneutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €76,108
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 16-04-2026, 106 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
106 days early
2024
56 days early
2023
155 days early
2022
42 days early
2021
26 days early
2020
43 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 71 days before the deadline. In the sector (NACE 86), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 5 June (4 of the last 5 accounts filed within 50 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0741690506
Incorporation
published on 21-01-2020 · Gazette deed
First establishment
Kasteelstraat 19A, Sint-Pieters-Leeuw
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| Dr Ruche Sint-Pieters-Leeuw | €233,418 | €154,956 | 32.6% | - |
| Dokter Thomas Pacolet Leuven | €199,436 | €158,500 | 3.7% | - |
| VALERIE DISCART, HUISARTS Haacht | €227,413 | €165,568 | 1.8% | - |
| Dr. Jeroen Cox Dilsen-Stokkem | €236,261 | €153,411 | 66.4% | - |
| Dr. Charlotte Loos, huisarts Aartselaar | €244,338 | €151,168 | 4.9% | - |
| Dokter Lieven Raes Dendermonde | €251,583 | €158,053 | 99.4% | - |
| Docteur Jean-Charles MOREL Mouscron | €253,619 | €157,362 | 72.9% | - |
These companies have the same main activity as Dr Ruche: general medical practice (NACE 86210). They are comparable in size and age: total assets between €199,000 and €254,000, founded between 2019 and 2021.
Official details
Source: KBO- Status
- Active since 17-01-2020Normal situation
- Activity
- General medical practiceNACE 86210and 1 other
- Establishment unit
- 2.299.108.9451600 Sint-Pieters-Leeuw, since 17-01-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 27-11-2025
Annual accounts 2025
- Turnover
- ≈ €290,000estimated
- Total assets
- €233,418▲ 28.3%
- Filing
- Filed on 16-04-2026, 106 days before the end of the filing period
Insights on Dr Ruche
Dr Ruche files the micro format. That format states no turnover. The gross margin rose from €100,391 in 2020 to €154,956 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Dr Ruche
- What is the company number of Dr Ruche?
- The company number of Dr Ruche is 0741.690.506. The VAT number is the same number with BE in front: BE 0741.690.506.
- Where is Dr Ruche based?
- The registered office is at Kasteelstraat 19A, 1600 Sint-Pieters-Leeuw.Company details
- What does Dr Ruche do?
- According to the KBO register, the main activity is general medical practice (NACE 86210).
- What is the legal form of Dr Ruche?
- Dr Ruche is a private limited company (BV).
- When was Dr Ruche founded?
- Dr Ruche was founded on 17-01-2020.
- Is Dr Ruche still active?
- Yes, Dr Ruche is an active enterprise in the KBO register.
- What is the turnover of Dr Ruche?
- The turnover in financial year 2025 is ≈ €290,000. This figure is estimated from the gross margin of €154,956 and 30 comparable companies (NACE 86210). It probably lies between €220,000 and €350,000.Financials
- Is Dr Ruche profitable?
- In financial year 2025, Dr Ruche made a profit of €110,776.
- Where can I find the annual accounts of Dr Ruche?
- Dr Ruche filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Dr Ruche due?
- Dr Ruche must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.