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LA RUCHE

Active
Private limited company (pre-2019)founded 201412 yrs activeChaussée de Lille(TOU) 204, 7500 Tournai, BelgiumKBO/BCE: BE 0556.705.269
Summary

LA RUCHE has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €208,831 and a net result of €5,170. Equity is growing by ~17.2% per year across the filed fiscal years. Its solvency ranks better than 46% of 7859 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability52▼-24
Solvency71▲+4
Growth77=
Track record100
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13,000 at 30 days acceptable
Liquidity short (current ratio 0.32 against 0.47 in 2024; short-term debt: 24.2% and cash: 0.8% of total assets), and 53.7% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← 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 2025
Solvency, return and age of the figures
Solvency
46.3%
Return on assets
1.1%
Age of the figures
12 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 12 years 0 20 y
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 11-03-2026, 50 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
50 d early
2024
85 d early
2023
70 d early
2022
18 d early
2021
67 d early
2020
71 d early
2019
90 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 64 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 22 February (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close01-10-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

LA RUCHE was incorporated on 17 July 2014.1 Revenue grew from EUR 65,341 in 2019 to EUR 106,585 in 2023.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2019 and 2023

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Financials · fiscal year 2025, micro schema

Turnover
€106,585▼ 10.1%
2022 · €118,541
EBIT margin
7.1%▼ 2.7pp
2022 · 9.8%
Net result
€5,170▼ 82.6%
2024 · €29,693
Working capital
-€73,965▼ 21.9%
2024 · -€60,658
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Turnover€85,469▲ 25.4%€118,541▲ 38.7%€106,585▼ 10.1%
Operating result€11,318▲ 112%€11,616▲ 2.6%€7,615▼ 34.4%€36,293▲ 377%€11,954▼ 67.1%
Net result€3,614within the sector's middle half€4,593within the sector's middle half▲ 27.1%€1,164within the sector's middle half▼ 74.7%€29,693within the sector's middle half▲ 2,451%€5,170within the sector's middle half▼ 82.6%
EBIT margin13.2%▲ 5.4pp9.8%▼ 3.4pp7.1%▼ 2.7pp
Equity€168,211above the sector's middle half€172,803above the sector's middle half▲ 2.7%€173,967above the sector's middle half▲ 0.7%€203,660above the sector's middle half▲ 17.1%€208,831above the sector's middle half▲ 2.5%
Total assets€566,235above the sector's middle half▲ 48.7%€533,155above the sector's middle half▼ 5.8%€499,490above the sector's middle half▼ 6.3%€482,235above the sector's middle half▼ 3.5%€450,666above the sector's middle half▼ 6.5%
Debt€398,024▼ 3.2%€360,352▼ 9.5%€325,523▼ 9.7%€278,575▼ 14.4%€241,836▼ 13.2%
Working capital-€187,911below the sector's middle half▼ 11.4%-€164,209below the sector's middle half▲ 12.6%-€147,579below the sector's middle half▲ 10.1%-€60,658below the sector's middle half▲ 58.9%-€73,965below the sector's middle half▼ 21.9%
Solvency29.7%within the sector's middle half▲ 37.7pp32.4%within the sector's middle half▲ 2.7pp34.8%within the sector's middle half▲ 2.4pp42.2%within the sector's middle half▲ 7.4pp46.3%within the sector's middle half▲ 4.1pp
Current ratio0.10below the sector's middle half▼ 0.070.14below the sector's middle half▲ 0.040.17below the sector's middle half▲ 0.030.47below the sector's middle half▲ 0.300.32below the sector's middle half▼ 0.14
Return on assets (ROA)0.6%within the sector's middle half▲ 1.4pp0.9%within the sector's middle half▲ 0.2pp0.2%within the sector's middle half▼ 0.6pp6.2%within the sector's middle half▲ 5.9pp1.1%within the sector's middle half▼ 5.0pp
above within below the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€10,000€20,000€30,000€40,000Operating result 2021: €11,318€11,318Net result 2021: €3,614€3,614Operating result 2022: €11,616€11,616Net result 2022: €4,593€4,593Operating result 2023: €7,615€7,615Net result 2023: €1,164€1,164Operating result 2024: €36,293€36,293Net result 2024: €29,693€29,693Operating result 2025: €11,954€11,954Net result 2025: €5,170€5,17020212022202320242025€0€10,000€20,000€30,000€40,000Operating result 2023: €7,615€7,620Net result 2023: €1,164€1,160Operating result 2024: €36,293€36,300Net result 2024: €29,693€29,700Operating result 2025: €11,954€12,000Net result 2025: €5,170€5,170202320242025
The operating result falls in 2025; 2025 is 67% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €450,666
Fixed assets €415,628 ▼ 3.2%
Current assets €35,038 ▼ 33.6%
Equity and liabilities €450,666
Equity €208,831 ▲ 2.5%
Debt €241,836 ▼ 13.2%
Debt's share of the balance-sheet total falls from 57.8% to 53.7%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€25,786▼
2024 · €76,182
Cash flow
€19,002▼
2024 · €69,582
Debt to equity
1.16▼
2024 · 1.37
ROE
2.5%▼
2024 · 14.6%
Interest coverage
3.79▼
2024 · 11.54
Debt ≤ 1 year
€109,003▼
2024 · €113,433
Debt > 1 year
€132,832▼
2024 · €165,142
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,048 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 96% are still going.

  • Small
  • 10 to 20 years old
  • solvency 30% or more
  • a profit under 5% of the balance sheet
0.4% went bankrupt
3.6% stopped otherwise
96% still going

For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 6,048 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines
Balance sheet Code20242025
Assets
Total assets20/58€482,235€450,666▼
Fixed assets21/28€429,460€415,628▼
Tangible fixed assets22/27€429,460€415,628▼
Land and buildings22€426,279€414,992▼
Furniture and vehicles24€3,181€636▼
Current assets29/58€52,775€35,038▼
Amounts receivable within one year40/41€35,073€31,646▼
Trade receivables40€11,573€13,146▲
Other amounts receivable41€23,500€18,500▼
Cash at bank and in hand54/58€17,702€3,392▼
Equity and liabilities
Total equity and liabilities10/49€482,235€450,666▼
Equity10/15€203,660€208,831▲
Contributions10/11€20,000€20,000=
Revaluation surpluses12€195,000€195,000=
Profit (loss) carried forward14-€11,340-€6,169▲
Amounts payable17/49€278,575€241,836▼
Amounts payable after more than one year17€165,142€132,832▼
Financial debts170/4€165,142€132,832▼
Amounts payable within one year42/48€113,433€109,003▼
Current portion of amounts payable after more than one year42€31,156€32,309▲
Trade debts44€690€4,221▲
Suppliers440/4€690€4,221▲
Taxes, remuneration and social security45€5,426€3,312▼
Taxes450/3€5,426€3,312▼
Other amounts payable47/48€76,161€69,161▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39,889€13,832▼
Other operating charges640/8-€5,428
Gross operating margin9900€76,182€31,214▼
Operating profit (loss)9901€36,293€11,954▼
Financial income75/76B-€13
Recurring financial income75-€13
Financial charges65/66B€6,600€6,797▲
Recurring financial charges65€6,600€6,797▲
Profit (loss) for the period before taxes9903€29,693€5,170▼
Profit (loss) for the period9904€29,693€5,170▼
Profit (loss) for the period to be appropriated9905€29,693€5,170▼
Appropriation of the result
Profit (loss) to be appropriated9906-€11,340-€6,169▲
Profit (loss) brought forward from the previous period14P-€41,033-€11,340▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Turnover70€85,469€118,541€106,585---
Goods, raw materials, services and sundry goods60/61-€60,891€54,060---
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38,669€39,568€39,893€39,889€13,832▼ 65.3%
Other operating charges640/8-€6,467€5,016-€5,428-
Gross operating margin9900€50,736€57,650€52,525€76,182€31,214▼ 59.0%
Operating profit (loss)9901€11,318€11,616€7,615€36,293€11,954▼ 67.1%
Financial income75/76B----€13-
Recurring financial income75----€13-
Financial charges65/66B-€7,023€6,451€6,600€6,797▲ 3.0%
Recurring financial charges65€7,703€7,023€6,451€6,600€6,797▲ 3.0%
Profit (loss) for the period before taxes9903€3,614€4,593€1,164€29,693€5,170▼ 82.6%
Profit (loss) for the period9904€3,614€4,593€1,164€29,693€5,170▼ 82.6%
Profit (loss) for the period to be appropriated9905€3,614€4,593€1,164€29,693€5,170▼ 82.6%
Line20212022202320242025Change
Assets
Total assets20/58€566,235€533,155€499,490€482,235€450,666▼ 6.5%
Fixed assets21/28€545,552€505,984€469,349€429,460€415,628▼ 3.2%
Tangible fixed assets22/27€545,552€505,984€469,349€429,460€415,628▼ 3.2%
Land and buildings22-€497,713€463,623€426,279€414,992▼ 2.6%
Furniture and vehicles24-€8,271€5,726€3,181€636▼ 80.0%
Current assets29/58€20,683€27,171€30,141€52,775€35,038▼ 33.6%
Amounts receivable within one year40/41€9,877€12,475€9,970€35,073€31,646▼ 9.8%
Trade receivables40-€12,475€9,970€11,573€13,146▲ 13.6%
Other amounts receivable41---€23,500€18,500▼ 21.3%
Cash at bank and in hand54/58€10,807€14,696€20,171€17,702€3,392▼ 80.8%
Equity and liabilities
Total equity and liabilities10/49€566,235€533,155€499,490€482,235€450,666▼ 6.5%
Equity10/15€168,211€172,803€173,967€203,660€208,831▲ 2.5%
Contributions10/11€20,000€20,000€20,000€20,000€20,000=
Revaluation surpluses12-€195,000€195,000€195,000€195,000=
Profit (loss) carried forward14-€46,789-€42,197-€41,033-€11,340-€6,169▲ 45.6%
Amounts payable17/49€398,024€360,352€325,523€278,575€241,836▼ 13.2%
Amounts payable after more than one year17€189,430€168,972€147,803€165,142€132,832▼ 19.6%
Financial debts170/4-€168,972€147,803€165,142€132,832▼ 19.6%
Amounts payable within one year42/48€208,594€191,380€177,721€113,433€109,003▼ 3.9%
Current portion of amounts payable after more than one year42-€20,459€21,169€31,156€32,309▲ 3.7%
Trade debts44€5,304€6,759€12,245€690€4,221▲ 511%
Suppliers440/4-€6,759€12,245€690€4,221▲ 511%
Taxes, remuneration and social security45-€5,128€4,272€5,426€3,312▼ 39.0%
Taxes450/3-€5,128€4,272€5,426€3,312▼ 39.0%
Other amounts payable47/48-€159,034€140,034€76,161€69,161▼ 9.2%
Line20212022202320242025Change
Profit (loss) for the period9904€3,614€4,593€1,164€29,693€5,170▼ 82.6%
+ Depreciation and write-downs630€38,669€39,568€39,893€39,889€13,832▼ 65.3%
Operating cash flow (approximation)€42,283€44,160€41,057€69,582€19,002▼ 72.7%
Investment in fixed assets (approximation)-€0-€3,258€0€0-
Change in cash-€3,890€5,475-€2,470-€14,310▼ 479%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 30-04-2027
2026
11-03
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
04-02
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial Highest result since 2019net €29,693 ▲2,451%
Operating result €36,293, net result €29,693, both a record.
30-09
Financial Equity above €200,000Eq €203,660 ▲17.1%
4 profitable years in a row build equity to €203,660.
20-02
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
12-04
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
22-02
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial Back to profitnet €3,614
Net result €3,614 after 2 loss-making years.
30-09
Financial Equity above €150,000Eq €168,211
Equity rises from -€30,404 to €168,211.
18-02
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
31-01
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
01-03
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
08-03
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
24-02
NBB filing Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Tournai · 1 establishment unit since 2014
seat establishment The establishment unit on the map
Ground area
823 m²
Building footprint
437 m²
Volume, LiDAR
3,064 m³
Parcel 57463K0242/00M000, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
La Ruche
Chaussée de Lille(TOU) 204, 7500 TournaiOffice administrative, office support and other business support activities
since 20142.234.950.472
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
57463K0242/00M000 Wallonia 823 m² 1 · 437 m² 7.9 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

2 owners

Owners 2

Holdings 0

No holding stated in the accounts, acts or LEI register we read.

According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 24,494 companies in this sector we hold annual accounts for 9,420. 6,882 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company details

Identification
Legal formPrivate limited company (pre-2019)
Founded17-07-2014
Fiscal year end30-09
Activities, NACEBEL 2025
82990Other business support services
82100Office administrative and support services
Contact
E-mail secretariat@nico-chauffage.beTournai
Phone 0475/91.61.81Tournai
E-invoicing
Reachable via Peppol
Peppol ID 0208:0556705269
Registered 02-02-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.