Equity
€1.0m ▲ 0.6%
RUAN has made a profit without a break since 2011.
RUAN
Lifetime
20 annual accounts with figures on one time axispeak €919,447 (2025)
€727,260▼ 20.9%
lowest -€8,868 (2010)
€630,731▼ 23.1%
peak €1.0m (2026)
€1.0m▲ 0.6%
€1.5m▲ 14.4%
peak 0 FTE (2017)
-not published
Board2 names since 2006
2 directorsLAPAUW Isabel and 1 other
Documentsfilings and deeds
27-08-202665 days before the deadline
2026abbreviated format
Gross margin from €919,447 to €727,260Dividend €174,766Cash from €337,196 to €631,414
Key points
from the 2026 annual accountsFilings
20 annual accounts since 2007
The last five annual accounts were filed 54 to 65 days before the end of the period.
Position in the sector
€630,731
Higher net result than 95% of companies in wholesale trade. Sector median €36,649 · 480 companies.
Checked score
95
Excellent
Financially stronger than 62% of small companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 4,374 companies (NACE 46, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%lowest value
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025lowest value
03-2025: < 0.1%● unchanged vs 02-2025lowest value
04-2025: < 0.1%● unchanged vs 03-2025lowest value
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%● unchanged 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%● unchanged vs 07-2026highest value
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Size: total assets €2.5m
Figures for financial year 2026 (filed on 28-08-2026)
Founded in 2005
Liquidity: current ratio 1.68, cash €631,414
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 46, small). It does better than 48% of them on solvency, 64% on liquidity, 97% on profitability and 37% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-03-2026.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 20,137 companies had the same profile as RUAN has now. Each dot stands for 51 companies, two years later.
95.0%
were still trading
4.7%
stopped another way
0.2%
went bankrupt
That fits the bankruptcy probability of RUAN itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 20,137 companies, not a prediction for RUAN. 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.
Credit verdict
Credit of up to €95,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.68 (1.76 in 2025), above the usual 1.5. Short-term debt is 58.6% and cash 24.9% of total assets. However, 58.6% of the assets are financed with debt and provisions.
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Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 27-08-2026, 65 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
65 days early
2025
64 days early
2024
57 days early
2023
54 days early
2022
56 days early
2021
30 days early
2020
31 days early
← 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 51 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. The company usually files around 4 September (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-03-2027 year end31-10-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0875223773
Changes of role: LAPAUW Isabel (director) and DAVY (director)
Permanent representative: SCHAUBROECK Ruan · “Het stellen van alle handelsverrichtingen, die zowel rechtstreeks als onrechtstreeks verband houden met…” (deed in Dutch) · Director discharge: LAPAUW Isabel · Gazette deed
Environmental permit granted
Nieuwbouw van bijgebouwen en niet overdekte lage constructie, Verbouwen / Wijzigen Infrastructuur · Oostrozebeke
New establishment in Oostrozebeke
Dentergemstraat 84
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| RUAN Oostrozebeke | €2.5m | €727,260 | 41.4% | - |
| SANODIS Zaventem | €3.1m | €886,896 | 0.7% | 2.5 |
| Vulpia Food Services Brasschaat | €3.3m | €680,315 | 15.0% | 3.9 |
| AMUSE CROQUE Avelgem | €3.1m | €928,947 | 22.0% | 4.7 |
| SAKINA TRADING Antwerp | €3.0m | €685,519 | 57.6% | 6.2 |
| MOVIS Schaerbeek | €2.0m | €493,735 | 18.2% | - |
| KEREM Brussels | €2.6m | €408,251 | 32.8% | 6 |
These companies have the same main activity as RUAN: non-specialised wholesale (NACE 46392). They are comparable in size and age: total assets between €2m and €3.3m, founded between 2004 and 2009.
Official details
Source: KBO- Status
- Active since 22-07-2005Normal situation
- Activity
- Non-specialised wholesaleNACE 46392
- Establishment units
- 2.148.791.4118780 Oostrozebeke, since 08-09-2005
- 2.269.687.4598780 Oostrozebeke, since 01-10-2017
- Financial year end
- 31 March
- Peppol
- Reachable since 27-03-2026
Annual accounts to 31-03-2026
- ≈ €4.4mestimated
- €2.5m▲ 8.3%
- Filing
- Filed on 27-08-2026, 65 days before the end of the filing period
Insights on RUAN
RUAN files the abbreviated format. That format states no turnover. The gross margin rose from €63,656 in 2007 to €727,260 in 2026.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about RUAN
- What is the company number of RUAN?
- The company number of RUAN is 0875.223.773. The VAT number is the same number with BE in front: BE 0875.223.773.
- Where is RUAN based?
- The registered office is at Bosstraat 7, 8780 Oostrozebeke.Company details
- What does RUAN do?
- According to the KBO register, the main activity is non-specialised wholesale (NACE 46392).
- What is the legal form of RUAN?
- RUAN is a private limited company (BV).
- When was RUAN founded?
- RUAN was founded on 22-07-2005.
- Is RUAN still active?
- Yes, RUAN is an active enterprise in the KBO register.
- What is the turnover of RUAN?
- The turnover in financial year 2026 is ≈ €4.4m. This figure is estimated from the gross margin of €727,260 and 30 comparable companies (NACE 463). It probably lies between €3.4m and €8.1m.Financials
- Is RUAN profitable?
- In financial year 2026, RUAN made a profit of €630,731.
- Where can I find the annual accounts of RUAN?
- RUAN filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
- When are the next annual accounts of RUAN due?
- RUAN must file the annual accounts for financial year 2027 by 31-10-2027.Timeline
Next steps
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