Ruco
ActiveSummary
Ruco has been active since 1975 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €410,133 and a net result of €56,297. Equity is growing by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 80% of 3762 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability73▼-14
Solvency87▲+14
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 3.14 against 1.89 in 2024; short-term debt: 26.4% and cash: 4.7% of total assets), and 38% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
62%
Return on assets
8.5%
Age of the figures
9 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 24-08-2026, 24 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
24 d late
2024
60 d late
2023
15 d early
2022
32 d late
2021
23 d late
2020
89 d late
2019
136 d late
← 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 50 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 24 August (4 of the last 5 filed years within 36 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#1 oldest company in Ottignies-Louvain-la-Neuve, Accommodation and food service sector#7 company by equity in Ottignies-Louvain-la-Neuve, Accommodation and food service sector#10 employer in Ottignies-Louvain-la-Neuve, Accommodation and food service sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€56,297▼ 49.4%
2024 · €111,167
Working capital
€373,556▲ 34.0%
2024 · €278,818
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€125,071▲ 315%-€37,835€99,928€151,668▲ 51.8%€94,606▼ 37.6%
Net result€11,560within the sector's middle half-€57,016below the sector's middle half€78,274above the sector's middle half€111,167above the sector's middle half▲ 42.0%€56,297within the sector's middle half▼ 49.4%
Equity€271,410above the sector's middle half▲ 20.2%€214,394above the sector's middle half▼ 21.0%€292,669above the sector's middle half▲ 36.5%€353,836above the sector's middle half▲ 20.9%€410,133above the sector's middle half▲ 15.9%
Total assets€538,993within the sector's middle half▲ 21.7%€675,820above the sector's middle half▲ 25.4%€615,087above the sector's middle half▼ 9.0%€742,051within the sector's middle half▲ 20.6%€661,543within the sector's middle half▼ 10.8%
Debt€267,583▲ 23.2%€461,426▲ 72.4%€322,419▼ 30.1%€388,216▲ 20.4%€251,410▼ 35.2%
Working capital€296,807above the sector's middle half▲ 15.6%€146,323above the sector's middle half▼ 50.7%€221,421above the sector's middle half▲ 51.3%€278,818above the sector's middle half▲ 25.9%€373,556above the sector's middle half▲ 34.0%
Solvency50.4%within the sector's middle half▼ 0.6pp31.7%within the sector's middle half▼ 18.6pp47.6%within the sector's middle half▲ 15.9pp47.7%within the sector's middle half▲ 0.1pp62.0%above the sector's middle half▲ 14.3pp
Current ratio2.63above the sector's middle half▼ 0.681.43within the sector's middle half▼ 1.202.07within the sector's middle half▲ 0.641.89above the sector's middle half▼ 0.183.14above the sector's middle half▲ 1.25
Return on assets (ROA)2.1%within the sector's middle half▲ 2.6pp-8.4%within the sector's middle half▼ 10.6pp12.7%within the sector's middle half▲ 21.2pp15.0%above the sector's middle half▲ 2.3pp8.5%within the sector's middle half▼ 6.5pp
Staff (FTE)21.1above the sector's middle half17.3above the sector's middle half▼ 18.0%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €661,543
Fixed assets
€113,077 ▼ 24.5%
Current assets
€548,465 ▼ 7.4%
Equity and liabilities €661,543
Equity
€410,133 ▲ 15.9%
Debt
€251,410 ▼ 35.2%
Debt's share of the balance-sheet total falls from 52.3% to 38.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€140,618▼
2024 · €196,001
Cash flow
€102,309▼
2024 · €155,499
Quick ratio
2.73▲
2024 · 1.67
Debt to equity
0.61▼
2024 · 1.10
ROE
13.7%▼
2024 · 31.4%
Interest coverage
5.29▼
2024 · 14.11
Debt ≤ 1 year
€174,910▼
2024 · €313,481
Debt > 1 year
€28,984▼
2024 · €63,886
Income taxes
€28,131▼
2024 · €38,824
Staff costs
€341,871▼
2024 · €382,344
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,134 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a higher bankruptcy probability: 1.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.9% |
| 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 20,134 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €0 | - | €2,032 | €38,623 | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | €132,883 | €274,480 | €330,964 | €382,344 | €341,871 | ▼ 10.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €23,130 | €27,561 | €43,334 | €44,332 | €46,012 | ▲ 3.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | -€1,267 | €0 | - | - |
| Other operating charges640/8 | €3,908 | €8,078 | €4,671 | €9,334 | €7,593 | ▼ 18.6% |
| Non-recurring operating charges66A | €0 | €26,415 | €19,540 | €0 | - | - |
| Gross operating margin9900 | €284,992 | €298,698 | €497,169 | €587,679 | €490,083 | ▼ 16.6% |
| Operating profit (loss)9901 | €125,071 | -€37,835 | €99,928 | €151,668 | €94,606 | ▼ 37.6% |
| Financial income75/76B | €10,722 | €12,544 | €10,722 | €12,211 | €16,404 | ▲ 34.3% |
| Recurring financial income75 | €10,722 | €12,544 | €10,722 | €12,211 | €16,404 | ▲ 34.3% |
| Financial charges65/66B | €7,499 | €9,624 | €8,012 | €13,888 | €26,581 | ▲ 91.4% |
| Recurring financial charges65 | €7,499 | €9,624 | €8,012 | €13,888 | €26,581 | ▲ 91.4% |
| Profit (loss) for the period before taxes9903 | €128,294 | -€34,915 | €102,638 | €149,991 | €84,429 | ▼ 43.7% |
| Income taxes67/77 | €116,734 | €22,100 | €24,364 | €38,824 | €28,131 | ▼ 27.5% |
| Profit (loss) for the period9904 | €11,560 | -€57,016 | €78,274 | €111,167 | €56,297 | ▼ 49.4% |
| Profit (loss) for the period to be appropriated9905 | €11,560 | -€57,016 | €78,274 | €111,167 | €56,297 | ▼ 49.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €538,993 | €675,820 | €615,087 | €742,051 | €661,543 | ▼ 10.8% |
| Fixed assets21/28 | €60,465 | €188,127 | €186,132 | €149,753 | €113,077 | ▼ 24.5% |
| Tangible fixed assets22/27 | €60,241 | €187,503 | €185,508 | €149,129 | €112,453 | ▼ 24.6% |
| Plant, machinery and equipment23 | €15,690 | €181,538 | €162,732 | €114,518 | €93,410 | ▼ 18.4% |
| Furniture and vehicles24 | €43,179 | €5,439 | €22,777 | €34,611 | €19,043 | ▼ 45.0% |
| Other tangible fixed assets26 | €1,372 | €526 | €0 | - | - | - |
| Financial fixed assets28 | €224 | €624 | €624 | €624 | €624 | = |
| Current assets29/58 | €478,528 | €487,693 | €428,955 | €592,298 | €548,465 | ▼ 7.4% |
| Stocks and contracts in progress3 | €40,671 | €56,446 | €85,528 | €69,796 | €70,657 | ▲ 1.2% |
| Stocks30/36 | €40,671 | €56,446 | €85,528 | €69,796 | €70,657 | ▲ 1.2% |
| Amounts receivable within one year40/41 | €251,653 | €400,146 | €284,077 | €501,937 | €444,590 | ▼ 11.4% |
| Trade receivables40 | €10,207 | €105,585 | €7,999 | €54,101 | €1,797 | ▼ 96.7% |
| Other amounts receivable41 | €241,446 | €294,561 | €276,078 | €447,836 | €442,793 | ▼ 1.1% |
| Cash at bank and in hand54/58 | €185,767 | €30,233 | €58,418 | €19,499 | €31,247 | ▲ 60.2% |
| Deferred charges and accrued income490/1 | €436 | €868 | €932 | €1,066 | €1,971 | ▲ 84.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €538,993 | €675,820 | €615,087 | €742,051 | €661,543 | ▼ 10.8% |
| Equity10/15 | €271,410 | €214,394 | €292,669 | €353,836 | €410,133 | ▲ 15.9% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €2,268 | €2,268 | €2,268 | €2,268 | €58,565 | ▲ 2,483% |
| Non-distributable reserves130/1 | €2,268 | €2,268 | €2,268 | €0 | - | - |
| Reserves not available under the articles1311 | €2,268 | €2,268 | €2,268 | €0 | - | - |
| Distributable reserves133 | - | - | - | €2,268 | €58,565 | ▲ 2,483% |
| Profit (loss) carried forward14 | €250,550 | €193,535 | €271,809 | €332,976 | €332,976 | = |
| Amounts payable17/49 | €267,583 | €461,426 | €322,419 | €388,216 | €251,410 | ▼ 35.2% |
| Amounts payable after more than one year17 | €85,862 | €120,056 | €114,885 | €63,886 | €28,984 | ▼ 54.6% |
| Financial debts170/4 | €85,862 | €120,056 | €114,885 | €63,886 | €28,984 | ▼ 54.6% |
| Amounts payable within one year42/48 | €181,721 | €341,370 | €207,534 | €313,481 | €174,910 | ▼ 44.2% |
| Current portion of amounts payable after more than one year42 | €29,850 | €49,685 | €58,138 | €51,723 | €34,902 | ▼ 32.5% |
| Financial debts43 | €0 | - | - | - | - | - |
| Credit institutions430/8 | €0 | - | - | - | - | - |
| Trade debts44 | €38,038 | €168,279 | €35,541 | €96,616 | €29,469 | ▼ 69.5% |
| Suppliers440/4 | €38,038 | €168,279 | €35,541 | €96,616 | €29,469 | ▼ 69.5% |
| Advances received on contracts in progress46 | €3,493 | €5,045 | €0 | - | - | - |
| Taxes, remuneration and social security45 | €64,972 | €73,070 | €68,596 | €83,979 | €91,259 | ▲ 8.7% |
| Taxes450/3 | €41,850 | €41,859 | €29,820 | €40,130 | €51,207 | ▲ 27.6% |
| Remuneration and social security454/9 | €23,122 | €31,211 | €38,776 | €43,849 | €40,052 | ▼ 8.7% |
| Other amounts payable47/48 | €45,367 | €45,291 | €45,259 | €81,163 | €19,279 | ▼ 76.2% |
| Accrued charges and deferred income492/3 | - | - | - | €10,849 | €47,516 | ▲ 338% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,560 | -€57,016 | €78,274 | €111,167 | €56,297 | ▼ 49.4% |
| + Depreciation and write-downs630 | €23,130 | €27,561 | €43,334 | €44,332 | €46,012 | ▲ 3.8% |
| Operating cash flow (approximation) | €34,690 | -€29,455 | €121,608 | €155,499 | €102,309 | ▼ 34.2% |
| Investment in fixed assets (approximation) | - | -€155,223 | -€41,339 | -€7,953 | -€9,336 | ▼ 17.4% |
| Change in cash | - | -€155,534 | €28,184 | -€38,918 | €11,748 | ▲ 130% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 60 days late
2024
31-12
Financial
Highest result since 2018net €111,167 ▲42%
Operating result €151,668, net result €111,167, both a record.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €78,274
Net result €78,274 after one loss-making year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Weakest financial yearnet -€57,016
Net result drops to -€57,016, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 23 days late
2021
31-12
Financial
Back to profitnet €11,560
Net result €11,560 after one loss-making year.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 89 days late
2020
14-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 136 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 2.93
Current ratio from 1.43 to 2.93; short-term debt falls from €257,172 to €142,186.
Show earlier events
31-12
Financial
Equity above €200,000Eq €227,681 ▲16%
2 profitable years in a row build equity to €227,681.
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 70 days late
2018
18-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 79 days late
2017
30-03
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 4 acts read
About the unread acts
We know of 4 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
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Ottignies-Louvain-la-Neuve · 2 establishment units since 1975
Ground area
7,631 m²
Building footprint
133 m²
Volume, LiDAR
1,447 m³
2 parcels, Wallonia · tallest building 11.5 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Place des Brabançons 1, 1348 Ottignies-Louvain-la-Neuve
since 19752.011.515.823
RUCO
since 20152.243.627.519
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25386B0122/00A005 | Wallonia | 4,838 m² | 1 · 133 m² | 11.5 m · 4 fl. |
| 25386B0066/00T003 | Wallonia | 2,792 m² | - | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesOttignies-Louvain-la-Neuve2.011.515.823
Ottignies-Louvain-la-Neuve2.243.627.519
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Of 20,509 companies in sector 56111 we hold annual accounts for 11,464. 6,882 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-09-1975
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56301Cafés and bars
E-invoicing
Reachable via Peppol
Peppol ID
0208:0415409230
Also
9925:BE0415409230
Registered
24-11-2023
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.