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L&M De Ruyte

Active
Private limited companyfounded 2008active for 18 yearsZamanstraat 1, 9100 Sint-Niklaas, BelgiumKBO/BCE: BE 0897.092.226
Summary

L&M De Ruyte has been active since 2008 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €162,010 and a net result of €22,825. Equity has been growing by about 23% per year since 2018. Its solvency ranks better than 78% of 5,709 sector peers (NACE 96, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 09-04-2008 Normal situation
Activity
Hairdressing and barber services NACE 96210and 2 others
Joint committee
314 Paritair Comité voor het kappersbedrijf en de schoonheidszorgen · annual accounts 2025
Establishment unit
2.170.732.118 9100 Sint-Niklaas, since 09-04-2008
Financial year end
31 December
Peppol
Reachable since 24-11-2023

Board and ownership

Board

Financial position

97 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Gross margin
€298,016
▼ 3.3%
Turnover
≈ €340,000
estimated
Profit
€22,825
▼ 18.6%
Equity
€162,010
▲ 16.4%
Total assets
€256,070
▲ 14.0%
Employees on 31-12-2025
7
=
  • 2025 accounts filed 24 days after the deadline
Filed on 24-08-2026
Score breakdownlowers riskLiquidity: current ratio 3.65, cash €165,270Equity €162,010 (63.3% of total assets)Founded in 2008Size: total assets €256,070Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 75% of micro companies in personal services (NACE 96)
Financial strength · tick: 2024
Strong
Solvency 88+1
equity 63.3% of total assets
Liquidity 92-3
short-term debt 22.8% · cash 64.5%
Profitability 80-4
return on assets 8.9%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.7% (7,625 companies, NACE 96, 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%▼ -0.1 percentage points 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 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: 0.1%▲ +0.1 percentage points vs 07-2026highest value 09-2026: < 0.1%▼ -0.1 percentage points vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value 11-2026: < 0.1%● unchanged vs 10-2026lowest value
Credit of up to €15,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.65 (4.18 in 2024), above the usual 1.5. Short-term debt is 22.8% and cash 64.5% of total assets. 36.7% 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 96, micro). It does better than 78% of them on solvency, 92% on liquidity, 66% on profitability and 64% 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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Signals

Five signals.
lowers riskraises risk
lowers risk · Liquidity: current ratio 3.65, cash €165,270
NBB · annual accounts
lowers risk · Equity €162,010 (63.3% of total assets)
NBB · annual accounts
lowers risk · Founded in 2008
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Size: total assets €256,070
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · 2025 accounts filed 24 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
24 days late
2024
23 days early
2023
12 days early
2022
31 days late
2021
20 days early
2020
11 days early
2019
31 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 3 days after the deadline. In the sector (NACE 96), the median for financial year 2024 was on the deadline day, and 48% 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 20 July (4 of the last 5 accounts filed within 35 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

  • Positive: More equity than 88% of companies in personal servicessector median €15,413 · 5,722 companies €162,010 View
  • Positive: 7 profitable years in a rowprofit 2025: €22,825 7 years View

Recent changes

  1. · Gazette deed Reappointment: Laurence De Ruyte (director)
  2. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as L&M De Ruyte: hairdressing and barber services (NACE 96210). They are comparable in size and age: total assets between €237,000 and €313,000, founded between 2006 and 2011.

CompanyTotal assetsGross margin
L&M De Ruyte Sint-Niklaas€256,070€298,016
GLOE Gent€312,731€285,542
RENDIT Mons€237,455€260,729
BEAU Enzo Duffel€282,490€320,765
FABIO GRECO Dilbeek€271,657€242,175
CINCO Antwerpen€251,663€249,371
Cut, Paste & Paint Gent€253,363€167,302
Full comparison

Key facts about L&M De Ruyte

What is the company number of L&M De Ruyte?
The company number of L&M De Ruyte is 0897.092.226. The VAT number is the same number with BE in front: BE 0897.092.226.
Where is L&M De Ruyte based?
The registered office is at Zamanstraat 1, 9100 Sint-Niklaas.Company details
What does L&M De Ruyte do?
According to the KBO register, the main activity is hairdressing and barber services (NACE 96210).
What is the legal form of L&M De Ruyte?
The legal form of L&M De Ruyte is Private limited company (BV).
When was L&M De Ruyte founded?
L&M De Ruyte was founded on 09-04-2008.
Is L&M De Ruyte still active?
Yes, L&M De Ruyte is an active enterprise in the KBO register.
How many employees does L&M De Ruyte have?
L&M De Ruyte had an average of 5.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does L&M De Ruyte fall under?
In its 2025 annual accounts, L&M De Ruyte states joint committee 314 (Paritair Comité voor het kappersbedrijf en de schoonheidszorgen).
What is the turnover of L&M De Ruyte?
The turnover in financial year 2025 is ≈ €340,000. This figure is estimated from the gross margin of €298,016 and 30 comparable companies (NACE 96). It probably lies between €310,000 and €560,000.
Is L&M De Ruyte profitable?
In financial year 2025, L&M De Ruyte made a profit of €22,825.
Where can I find the annual accounts of L&M De Ruyte?
L&M De Ruyte filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of L&M De Ruyte due?
L&M De Ruyte must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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