FRANCIS DE RUYTTER
ActiveFRANCIS DE RUYTTER has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €17k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 66% of 27446 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+75
Solvency99▲+32
Growth78▲+46
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.37 against 1.36 in 2024), and 38.4% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
61.6%
Return on assets
20.7%
Age of the figures
9 mo
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
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €52k
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
16 d early
2023
21 d early
2022
27 d early
2021
19 d early
2020
29 d early
2019
29 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▲ 50.4%
2024 · €34k
2018: €50k
2019: €50k
2020: €56k
2021: €52k
2022: €54k
2023: €33k
2024: €34k
2018 → 2025
Total assets
€84k▼ 6.7%
2024 · €90k
2018: €174k
2019: €159k
2020: €208k
2021: €175k
2022: €149k
2023: €117k
2024: €90k
2018 → 2025
Net result
€17k▲ 910%
2024 · €2k
2018: €14k
2019: €-677
2020: €6k
2021: €-4k
2022: €2k
2023: €-613
2024: €2k
2018 → 2025
Working capital
€44k▲ 124%
2024 · €20k
2018: €22k
2019: €17k
2020: €10k
2021: €12k
2022: €22k
2023: €9k
2024: €20k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€52k-€54k▲ 4.6%€33k▼ 39.7%€34k▲ 5.3%€52k▲ 50.4%
Operating result€-2k-€4k€3k▼ 17.7%€4k▲ 11.8%€25k▲ 577%
Net result€-4k-€2k€-613€2k€17k▲ 910%
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 577% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84k
Fixed assets
€7k▼ 49.0%
Current assets
€77k▲ 1.5%
Equity and liabilities €84k
Equity
€52k▲ 50.4%
Debt
€32k▼ 42.0%
The debt ratio falls from 61.8% to 38.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€34k▼
2024 · €36k
Cash flow
€26k▼
2024 · €34k
Solvency
61.6%▲
2024 · 38.2%
Current ratio
2.37▲
2024 · 1.36
Quick ratio
2.37▲
2024 · 1.32
Debt / equity
0.62▼
2024 · 1.62
ROE
33.5%▲
2024 · 5.0%
ROA
20.7%▲
2024 · 1.9%
Interest coverage
87.75▲
2024 · 47.01
Debt
€32k▼
2024 · €56k
Debt ≤ 1 year
€32k▼
2024 · €56k
Income taxes
€7k▲
2024 · €1k
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€90k€84k▼
Fixed assets21/28€15k€7k▼
Tangible fixed assets22/27€15k€7k▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€15k€7k▼
Current assets29/58€76k€77k▲
Stocks and contracts in progress3€2k-
Stocks30/36€2k-
Amounts receivable within one year40/41€35k€32k▼
Trade receivables40€33k€28k▼
Other amounts receivable41€2k€5k▲
Cash at bank and in hand54/58€35k€41k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€90k€84k▼
Equity10/15€34k€52k▲
Contributions10/11€6k€6k=
Reserves13€28k€46k▲
Distributable reserves133€28k€46k▲
Amounts payable17/49€56k€32k▼
Amounts payable within one year42/48€56k€32k▼
Current portion of amounts payable after more than one year42€13k-
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€3k€3k=
Taxes450/3€3k€3k=
Other amounts payable47/48€38k€28k▼
Income statement
Code20242025
Non-recurring operating income76A€5k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€9k▼
Other operating charges640/8€739€757▲
Gross operating margin9900€37k€35k▼
Operating profit (loss)9901€4k€25k▲
Financial income75/76B€4€17▲
Recurring financial income75€4€17▲
Financial charges65/66B€763€386▼
Recurring financial charges65€763€386▼
Profit (loss) for the period before taxes9903€3k€25k▲
Income taxes67/77€1k€7k▲
Profit (loss) for the period9904€2k€17k▲
Profit (loss) for the period to be appropriated9905€2k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€17k▲
Transfer to equity691/2€2k€17k▲
To other reserves6921€2k€17k▲
The notes to these accounts (5 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €17k ▲910%
Operating result €25k, net result €17k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-4k ▼163%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
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, Ichtegem · 1 establishment unit since 2012
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.
Moerdijkstraat(ICH) 108480 IchtegemGround area
426 m²
Building footprint
84 m²
Volume, LiDAR
352 m³
Parcel 35006A0475/00S000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Moerdijkstraat(ICH) 10, 8480 Ichtegem
since 20122.207.029.122
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35006A0475/00S000 | Flanders | 426 m² | 1 · 83 m² | 8.5 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.
Recognitions · licences · registrations
Recognised contractor
7 categoriesFRANCIS DE RUYTTER BVBA38734
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Of 8,403 companies in sector 43120 we hold annual accounts for 3,206. 2,485 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2011
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
43331Floor and wall tiling
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.