NBV RUCHA
ActiveSummary
NBV RUCHA has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €238,299 and a net result of €154,729. Equity has been growing by about 130% per year since 2023. Its solvency ranks better than 71% of 15,784 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 22-06-2023 Normal situation
- Activity
- Activities of notaries NACE 69102
- Establishment unit
- 2.346.616.575 2000 Antwerpen, since 22-06-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 01-11-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
- Gross margin
- €202,297
- ▲ 148%
- Turnover
- ≈ €350,000
- estimated
- Profit
- €154,729
- ▲ 145%
- Equity
- €238,299
- ▲ 185%
- Total assets
- €318,071
- ▲ 172%
Score breakdownlowers riskSector: Legal and accounting activities (NACE 69)Liquidity: current ratio 3.99, cash €157,108Equity €238,299 (74.9% of total assets)Size: total assets €318,071Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 69, micro). It does better than 73% of them on solvency, 83% on liquidity, 82% on profitability and 95% on growth.
The bankruptcy probability was computed on 02-11-2026 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
The company filed its last 3 accounts on average 107 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 24-02-2026 PDF all 3 filings
Every figure per financial year
The operating result for 2025 is 151% higher than in 2024 and the highest since 2023. It is the second rise in a row.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Other operating charges640/8 | €769 | €1,211 | €780 | ▼ 35.5% |
| Gross operating margin9900 | €26,962 | €81,501 | €202,297 | ▲ 148% |
| Operating profit (loss)9901 | €26,193 | €80,290 | €201,516 | ▲ 151% |
| Financial income75/76B | - | €58 | - | - |
| Recurring financial income75 | - | €58 | - | - |
| Financial charges65/66B | €51 | €127 | €223 | ▲ 75.6% |
| Recurring financial charges65 | €51 | €127 | €223 | ▲ 75.6% |
| Profit (loss) for the period before taxes9903 | €26,143 | €80,222 | €201,293 | ▲ 151% |
| Income taxes67/77 | €5,785 | €17,110 | €46,565 | ▲ 172% |
| Profit (loss) for the period9904 | €20,358 | €63,112 | €154,729 | ▲ 145% |
| Profit (loss) for the period to be appropriated9905 | €20,358 | €63,112 | €154,729 | ▲ 145% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €31,087 | €116,795 | €318,071 | ▲ 172% |
| Current assets29/58 | €31,087 | €116,795 | €318,071 | ▲ 172% |
| Amounts receivable within one year40/41 | €7,500 | - | €159,720 | - |
| Trade receivables40 | €7,500 | - | €159,720 | - |
| Cash at bank and in hand54/58 | €22,259 | €115,622 | €157,108 | ▲ 35.9% |
| Deferred charges and accrued income490/1 | €1,328 | €1,173 | €1,243 | ▲ 6.0% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €31,087 | €116,795 | €318,071 | ▲ 172% |
| Equity10/15 | €20,458 | €83,570 | €238,299 | ▲ 185% |
| Contributions10/11 | €100 | €100 | €100 | = |
| Reserves13 | €20,358 | €83,470 | €238,199 | ▲ 185% |
| Distributable reserves133 | €20,358 | €83,470 | €238,199 | ▲ 185% |
| Amounts payable17/49 | €10,628 | €33,225 | €79,773 | ▲ 140% |
| Amounts payable within one year42/48 | €10,628 | €33,225 | €79,773 | ▲ 140% |
| Trade debts44 | €100 | - | €81 | - |
| Suppliers440/4 | €100 | - | €81 | - |
| Taxes, remuneration and social security45 | €10,291 | €32,612 | €79,673 | ▲ 144% |
| Taxes450/3 | €10,291 | €32,612 | €79,673 | ▲ 144% |
| Other amounts payable47/48 | €237 | €613 | €19 | ▼ 96.9% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €20,358 | €63,112 | €154,729 | ▲ 145% |
| Operating cash flow (approximation) | €20,358 | €63,112 | €154,729 | ▲ 145% |
| Change in cash | - | €93,363 | €41,487 | ▼ 55.6% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 39,278 companies had the same profile as NBV RUCHA has now. Two years later, 95.8% were still going and 1.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of NBV RUCHA itself is lower: < 0.1% within 12 months. It rests on far more data about NBV RUCHA 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 39,278 companies, not a prediction for NBV RUCHA. 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.
Board & ownership
Directors
Owners and capital
Shareholders
- RUTS Charlotte Godelieve Louise Maria sole founder · 100% at incorporation
Capital transactions
- 15-07-2024 Capital stated in the deed · 100 shares
- 26-06-2023 Incorporation · €100 · 100 shares
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “1, notaris of geassocieerd notaris”deed of 15-07-2024 (in Dutch)
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditordeed of 26-06-2023 (in Dutch)
Network & group
NBV RUCHA shares no director with another company.
Companies at the same address
1 other companyConnections & network
1 current directorThe network starts from the directors of NBV RUCHA. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
15-07
Gazette deed
Company renamed from CR LEGAL to NBV RUCHAAppointment: RUTS Charlotte Godelieve Louise Maria (statutory director) · Purpose change · Board rule10 points ▸
- General meeting, “buitengewone algemene vergadering” (deed in Dutch)
- Name change, NBV RUCHA
- Purpose change
- Other provision, “aandeelhoudersvoorwaarde, in het kader van het gewijzigde voorwerp,statutair vast te leggen” (deed in Dutch)
- Board rule, 1, “Zolang de vennootschap een notariële bestuursvennootschap is” (deed in Dutch)
- Amendment of the articles
- Capital
- Other provision, “statutair onbeschikbaar eigen vermogen” (deed in Dutch)
- Director appointment, RUTS Charlotte Godelieve Louise Maria (statutory director)
- Power of attorney, Philippe Verlinden
26-06
Gazette deed
IncorporationStarting capital €100 · Appointment: RUTS Charlotte Godelieve Louise Maria (director) · Founder7 points ▸
- Founder, RUTS Charlotte Godelieve Louise Maria
- Incorporation, “CR Legal” (deed in Dutch)
- Founding capital, €100
- Registered office clause, “2000 Antwerpen,Begijnenstraat 61” (deed in Dutch)
- Board rule, 1
- Director appointment, RUTS Charlotte Godelieve Louise Maria (director)
- Pre-incorporation commitments, “takeover, alle verbintenissen en verplichtingen en alle activiteiten sinds heden door comparant in naam en voor rekening vennootschap in oprichting” (deed in Dutch)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
NBV RUCHA was incorporated on 22 June 2023 as a private limited company by one natural person, with a starting capital of €100.12 Since 2024 the company has been called NBV RUCHA.3 RUTS Charlotte Godelieve Louise Maria is statutory director of the company, appointed in the act of 26-06-2023.2 Total assets rose from €31,087 in 2023 to €318,071 in 2025.4
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
7 activities
- Het uitoefenen van alle activiteiten welke inherent verbonden zijn aan een notariskantoor.
- Het verlenen van diensten en geven van adviezen voornamelijk doch niet uitsluitend op het juridische vlak,dit alles in de meest ruime betekenis aan particulieren en bedrijven zowel privé als openbaar.
- Het verlenen van juridische en fiscale ondersteuning,het verlenen van administratie,consultancy- en managementactiviteiten aan ondernemingen in de brede zin van het woord,aan vrije beroepen en particulieren.
- Het schrijven en publiceren van wetenschappelijk onderbouwde verhandelingen. Het uitgeven van boeken en tijdschriften.
- Het organiseren,begeleiden,geven van voordrachten,seminaries,opleidingen,beurzen,events,incentives;
- Het rationeel en doelmatig beheer van haar roerend en onroerend vermogen. Binnen de perken van dit beheer,zal de vennootschap voor eigen rekening in de vorm van beleggingen alle roerende en onroerende goederen kunnen verwerven,vervreemden,huren en verhuren,met persoonlijke en zakelijke rechten bezwaren.
- Het aangaan van leningen,kredieten,financiering en leasingcontracten;
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11804D2119/00K000 | Flanders | 144 m² | 1 · 135 m² | 12.2 m · 2 |