REMY-RUTH IMMO
ActiveREMY-RUTH IMMO has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €179k and a net result of €9k. Equity is growing by ~6.2% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability24▼-15
Solvency67▼-3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.48 against 0.63 in 2024), and 16.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
83.6%
Return on assets
4.1%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
27 d late
2022
76 d early
2021
31 d late
2020
45 d late
2019
90 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€179k▲ 5.1%
2024 · €170k
2018: €105k
2019: €81k
2020: €241k
2021: €243k
2022: €264k
2023: €157k
2024: €170k
2018 → 2025
Total assets
€214k▲ 7.0%
2024 · €200k
2018: €105k
2019: €81k
2020: €246k
2021: €251k
2022: €269k
2023: €186k
2024: €200k
2018 → 2025
Net result
€9k▼ 34.7%
2024 · €13k
2018: €-4k
2019: €-23k
2020: €160k
2021: €2k
2022: €21k
2023: €-7k
2024: €13k
2018 → 2025
Working capital
€-12k▼ 39.6%
2024 · €-9k
2018: €36k
2019: €19k
2020: €57k
2021: €62k
2022: €88k
2023: €-6k
2024: €-9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€243k-€264k▲ 8.5%€157k▼ 40.6%€170k▲ 8.5%€179k▲ 5.1%
Operating result€3k-€20k▲ 616%€-7k€15k€11k▼ 23.8%
Net result€2k-€21k▲ 994%€-7k€13k€9k▼ 34.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €214k
Fixed assets
€203k▲ 9.6%
Current assets
€11k▼ 25.5%
Equity and liabilities €214k
Equity
€179k▲ 5.1%
Debt
€35k▲ 17.4%
The debt ratio rises from 14.9% to 16.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€27k▲
2024 · €25k
Cash flow
€24k▲
2024 · €23k
Solvency
83.6%▼
2024 · 85.1%
Current ratio
0.48▼
2024 · 0.63
Quick ratio
0.48▼
2024 · 0.63
Debt / equity
0.20▲
2024 · 0.18
ROE
4.9%▼
2024 · 7.9%
ROA
4.1%▼
2024 · 6.7%
Interest coverage
19.62▲
2024 · 15.83
Debt
€35k▲
2024 · €30k
Debt ≤ 1 year
€23k▼
2024 · €24k
Debt > 1 year
€8k▲
2024 · €5k
Income taxes
€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€200k€214k▲
Fixed assets21/28€185k€203k▲
Tangible fixed assets22/27€185k€203k▲
Land and buildings22€185k€203k▲
Furniture and vehicles24-€0
Financial fixed assets28€350€350=
Current assets29/58€15k€11k▼
Amounts receivable within one year40/41€1k€4k▲
Other amounts receivable41€1k€4k▲
Cash at bank and in hand54/58€12k€7k▼
Deferred charges and accrued income490/1€1k€161▼
Equity and liabilities
Total equity and liabilities10/49€200k€214k▲
Equity10/15€170k€179k▲
Contributions10/11€120k€120k=
Capital10€120k€120k=
Issued capital100€120k€120k=
Reserves13€21k€21k=
Non-distributable reserves130/1€21k€21k=
Legal reserve130€21k€21k=
Profit (loss) carried forward14€29k€38k▲
Amounts payable17/49€30k€35k▲
Amounts payable after more than one year17€5k€8k▲
Other amounts payable178/9€5k€8k▲
Amounts payable within one year42/48€24k€23k▼
Trade debts44€620€1k▲
Suppliers440/4€620€1k▲
Taxes, remuneration and social security45€2k€6k▲
Taxes450/3€2k€6k▲
Other amounts payable47/48€21k€15k▼
Accrued charges and deferred income492/3€2k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€15k▲
Other operating charges640/8€6k€5k▼
Gross operating margin9900€30k€31k▲
Operating profit (loss)9901€15k€11k▼
Financial income75/76B€1€23▲
Recurring financial income75€1€23▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€13k€10k▼
Income taxes67/77-€1k
Profit (loss) for the period9904€13k€9k▼
Profit (loss) for the period to be appropriated9905€13k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€38k▲
Profit (loss) brought forward from the previous period14P€16k€29k▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
16-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
14-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 45 days late
2020
31-12
Financial
Back to profitnet €160k
Net result €160k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €241k ▲197%
Equity rises from €81k to €241k.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
31-12
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
31-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 153 days late
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 74 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
17-10-2025
Emmanuel Gérard: Resigned as Director
12-06-2023
Emmanuel Gérard: Resigned as Director
12-06-2023
GERARD Gilbert: Resigned as Director
12-06-2023
REMY Yvonne: Resigned as Director
04-06-2016
Muriel Gérard: Resigned as Director
15-09-2014
Cédric Brouwers: Resigned as Director
31-12-2012
Louis-Michel Thomas: Resigned as Director
31-12-2009
REMY Maggy Marie Raymonde Léon-: Resigned as Director
31-12-2009
REMY Micheline Marie Simone Georgere: Resigned as Director
31-12-2009
REMY Yvonne Roberte Micheline: Resigned as Director
Location & real-estate footprint
Registered office, Herstal · 1 establishment unit since 1993
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.
Rue Pierre Joseph Antoine 964040 HerstalGround area
255 m²
Parcel 62051C0626/00M000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Pierre Joseph Antoine 96, 4040 Herstal
since 19932.064.391.810
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62051C0626/00M000 | Wallonia | 255 m² | - | - |
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.
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded28-09-1993
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.