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FRANCART RUTH

Active
Private limited company (pre-2019)founded 1988active for 37 yearsRue André Masquelier 1, 7000 Mons, BelgiumKBO/BCE: BE 0435.842.279
Summary

FRANCART RUTH has been active since 1988 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €362,554 and a net result of -€37,381. Equity has been stable since 2018 (±0.3% per year). Its solvency ranks better than 75% of 22,773 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 29-11-1988 Normal situation
Activity
Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716
Establishment unit
2.041.144.472 7000 Mons, since 07-12-1988
Financial year end
31 December
Peppol
Reachable since 20-11-2025

Board and ownership

Board
  • FRANCART RUTHDirector

Financial position

91 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€84,979
▼ 31.8%
Turnover
≈ €410,000
estimated
Loss
€37,381
Equity
€362,554
▼ 9.3%
Total assets
€571,795
▼ 9.7%
Staff
≈ 2.4 FTE
estimated
Filed on 29-07-2026, 2 days before the deadline
Score breakdownraises riskLoss of €37,381 (financial year 2025)Sector: Retail trade (NACE 47)lowers riskLiquidity: current ratio 2.61, cash €138,765Equity €362,554 (63.4% of total assets)Show the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 48% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Average
Solvency 88=
equity 63.4% of total assets
Liquidity 64-8
short-term debt 36.6% · cash 24.3%
Profitability 11-58
return on assets -6.5%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
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 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026lowest value 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026highest value 09-2026: 0.1%● unchanged vs 08-2026highest value 10-2026: 0.1%● unchanged vs 09-2026highest value 11-2026: 0.1%● unchanged vs 10-2026highest value
Credit of up to €30,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.61 (2.72 in 2024), above the usual 1.5. Short-term debt is 36.6% and cash 24.3% of total assets. 36.6% of the assets are financed with debt and provisions.
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 47, micro). It does better than 76% of them on solvency, 70% on liquidity, 17% on profitability and 27% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Loss of €37,381 (financial year 2025)
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
lowers risk · Liquidity: current ratio 2.61, cash €138,765
NBB · annual accounts
lowers risk · Equity €362,554 (63.4% of total assets)
NBB · annual accounts
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
2 days early
2024
22 days early
2023
8 days early
2022
31 days late
2021
14 days late
2020
17 days late
2019
48 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 11 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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 29 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower net result than 94% of companies in retail tradesector median €5,084 · 22,754 companies -€37,381 View

Recent changes

  1. · Gazette deed Incorporation
All 13 events

Comparable companies

These companies have the same main activity as FRANCART RUTH: retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716). They are comparable in size and age: total assets between €512,000 and €648,000, founded between 1984 and 1992.

CompanyTotal assetsGross margin
FRANCART RUTH Mons€571,795€84,979
KRISTEX Pajottegem€605,583€90,766
YANNUCCI Turnhout€592,362€73,676
EXES FASHION Haacht€512,213€86,038
De Clerck - Ledeganck De Haan€648,405€79,585
IVENS KLEDING Sint-Gillis-Waas€635,582€87,677
IL ETAIT UNE FOIS - ER WAS EENS Ronse€624,935€67,515
Full comparison

Key facts about FRANCART RUTH

What is the company number of FRANCART RUTH?
The company number of FRANCART RUTH is 0435.842.279. The VAT number is the same number with BE in front: BE 0435.842.279.
Where is FRANCART RUTH based?
The registered office is at Rue André Masquelier 1, 7000 Mons.Company details
What does FRANCART RUTH do?
According to the KBO register, the main activity is retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716).
What is the legal form of FRANCART RUTH?
The legal form of FRANCART RUTH is Private limited company (pre-2019) (BVBA).
When was FRANCART RUTH founded?
FRANCART RUTH was founded on 29-11-1988.
Is FRANCART RUTH still active?
Yes, FRANCART RUTH is an active enterprise in the KBO register.
How many employees does FRANCART RUTH have?
FRANCART RUTH had an average of 3.1 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
What is the turnover of FRANCART RUTH?
The turnover in financial year 2025 is ≈ €410,000. This figure is estimated from the gross margin of €84,979 and 44 comparable companies (NACE 477). It probably lies between €210,000 and €570,000.
Is FRANCART RUTH profitable?
In financial year 2025, FRANCART RUTH made a loss of €37,381.
Where can I find the annual accounts of FRANCART RUTH?
FRANCART RUTH filed 37 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of FRANCART RUTH due?
FRANCART RUTH must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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