Ruco Group
ActiveRuco Group has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26k and a net result of €-227. Equity is shrinking by ~6% per year across the filed fiscal years. Its solvency ranks better than 43% of 11209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▲+4
Solvency58▼-11
Growth58=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.85 against 1.77 in 2024; short-term debt: 51.1% and cash: 54.7% of total assets), but 67% of the assets are financed with debt.
Credit advice for your own amount and term
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
33%
Return on assets
-0.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
22 d early
2023
29 d early
2022
24 d early
2021
20 d early
2020
24 d early
2019
3 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€26k▼ 0.9%
2024 · €26k
2018: €39k
2019: €46k
2020: €59k
2021: €89k
2022: €89k
2023: €43k
2024: €26k
2018 → 2025
Total assets
€78k▲ 30.6%
2024 · €60k
2018: €156k
2019: €117k
2020: €131k
2021: €134k
2022: €182k
2023: €113k
2024: €60k
2018 → 2025
Net result
€-227
2024 · €7k
2018: €-30k
2019: €7k
2020: €13k
2021: €30k
2022: €-489
2023: €-45k
2024: €7k
2018 → 2025
Working capital
€34k▲ 29.5%
2024 · €26k
2018: €37k
2019: €46k
2020: €59k
2021: €89k
2022: €71k
2023: €30k
2024: €26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€89k-€89k▼ 0.5%€43k▼ 51.1%€26k▼ 39.7%€26k▼ 0.9%
Operating result€28k-€1k▼ 96.2%€-51k€-34k▲ 32.9%€-12k▲ 65.8%
Net result€30k-€-489€-45k▼ 9,173%€7k€-227
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2025 against €34k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78k
Fixed assets
€5k
Current assets
€74k
Equity and liabilities €78k
Equity
€26k▼ 0.9%
Debt
€52k▲ 54.8%
The debt ratio rises from 56.5% to 67.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
33.0%▼
2024 · 43.5%
Current ratio
1.85▲
2024 · 1.77
Quick ratio
1.24▼
2024 · 1.63
Debt / equity
2.03▲
2024 · 1.30
ROE
-0.9%▼
2024 · 26.6%
ROA
-0.3%▼
2024 · 11.6%
Debt
€52k▲
2024 · €34k
Debt ≤ 1 year
€40k▲
2024 · €34k
Debt > 1 year
€12k
Income taxes
€5▼
2024 · €519
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€60k€78k▲
Fixed assets21/28€0€5k▲
Tangible fixed assets22/27€0-
Furniture and vehicles24€0-
Financial fixed assets28-€5k
Current assets29/58€60k€74k▲
Stocks and contracts in progress3€5k€24k▲
Stocks30/36€5k€24k▲
Amounts receivable within one year40/41€709€2k▲
Trade receivables40€709€0▼
Other amounts receivable41-€2k
Cash at bank and in hand54/58€53k€43k▼
Deferred charges and accrued income490/1€1k€5k▲
Equity and liabilities
Total equity and liabilities10/49€60k€78k▲
Equity10/15€26k€26k▼
Contributions10/11€19k€19k=
Reserves13€7k€7k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€7k€7k=
Profit (loss) carried forward14€531€304▼
Amounts payable17/49€34k€52k▲
Amounts payable after more than one year17-€12k
Financial debts170/4-€12k
Amounts payable within one year42/48€34k€40k▲
Current portion of amounts payable after more than one year42€0€3k▲
Trade debts44€30k€37k▲
Suppliers440/4€30k€37k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€4k€0▼
Taxes450/3€4k€0▼
Remuneration and social security454/9€0-
Other amounts payable47/48-€198
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0-
Other operating charges640/8€15k€1k▼
Gross operating margin9900€-19k€-11k▲
Operating profit (loss)9901€-34k€-12k▲
Financial income75/76B€44k€13k▼
Recurring financial income75€5k€13k▲
Non-recurring financial income76B€39k€0▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€7k€-222▼
Income taxes67/77€519€5▼
Profit (loss) for the period9904€7k€-227▼
Profit (loss) for the period to be appropriated9905€7k€-227▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€304▼
Profit (loss) brought forward from the previous period14P€307€531▲
Transfer from equity791/2€37k€0▼
Transfer to equity691/2€7k€0▼
To other reserves6921€7k€0▼
Profit to be distributed694/7€37k€0▼
Return on contributions (dividend)694€37k€0▼
The notes to these accounts (10 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-45k
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €30k ▲137%
Operating result €28k, net result €30k, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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 2024
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.
01-10-2024
Rudi Coomans: Resigned as Director
14-09-2023
COOMANS Rudi Jozef Maria: Resigned as Manager
18-02-2014
JOOSEN Conny Rosalie Franciscus: Resigned as Manager
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2011
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.
Hardenvoort 152060 AntwerpenGround area
2,823 m²
Building footprint
599 m²
Volume, LiDAR
3,676 m³
Parcel 11807G0268/00K004, Flanders · tallest building 54.5 m. Linked by address, not a title deed.
1 establishment unit
Ruco Group
since 20112.204.163.662
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G0268/00K004 | Flanders | 2,823 m² | 1 · 599 m² | 54.5 m |
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.
Structure & network
Connections & network
2 connected companiesNetwork connections
Shared address
→
Shared address
→
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Of 1,566 companies in sector 46900 we hold annual accounts for 920. 391 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-10-2011
Fiscal year end31-12
Activities, NACEBEL
46900Non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.