Summary
RUCRA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.7m and a net result of €36,951. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 73% of 5651 sector peers (fiscal year 2025). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
30 d late
2023
30 d late
2022
30 d late
2021
25 d early
2020
82 d late
2019
17 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 23 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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 30 August (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€2.7m▲ 1.4%
2024 · €2.7m
Net result
€36,951▼ 36.4%
2024 · €58,129
Total assets
€3.5m▲ 0.9%
2024 · €3.5m
Solvency
77.2%▲ 0.4pp
2024 · 76.9%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€181,712▼ 31.8%€216,976▲ 19.4%€217,554▲ 0.3%€148,341▼ 31.8%€123,866▼ 16.5%
Net result€135,713above the sector's middle half▼ 19.9%€146,948above the sector's middle half▲ 8.3%€127,702above the sector's middle half▼ 13.1%€58,129within the sector's middle half▼ 54.5%€36,951within the sector's middle half▼ 36.4%
Equity€2.3mabove the sector's middle half▲ 6.4%€2.4mabove the sector's middle half▲ 6.5%€2.6mabove the sector's middle half▲ 8.1%€2.7mabove the sector's middle half▲ 2.2%€2.7mabove the sector's middle half▲ 1.4%
Total assets€3.4mabove the sector's middle half▼ 1.6%€3.4mabove the sector's middle half▲ 1.0%€3.6mabove the sector's middle half▲ 3.4%€3.5mabove the sector's middle half▼ 2.1%€3.5mwithin the sector's middle half▲ 0.9%
Debt€1.1m▼ 15.0%€963,445▼ 10.1%€886,831▼ 8.0%€758,339▼ 14.5%€755,497▼ 0.4%
Working capital-€554,387below the sector's middle half▲ 27.2%-€328,072below the sector's middle half▲ 40.8%-€114,540below the sector's middle half▲ 65.1%€70,168within the sector's middle half-€13,131within the sector's middle half
Solvency66.9%within the sector's middle half▲ 5.0pp70.4%within the sector's middle half▲ 3.6pp73.6%within the sector's middle half▲ 3.2pp76.9%within the sector's middle half▲ 3.2pp77.2%within the sector's middle half▲ 0.4pp
Current ratio0.42below the sector's middle half▲ 0.140.64below the sector's middle half▲ 0.220.86within the sector's middle half▲ 0.211.11within the sector's middle half▲ 0.250.98within the sector's middle half▼ 0.13
Return on assets (ROA)4.0%within the sector's middle half▼ 0.9pp4.3%within the sector's middle half▲ 0.3pp3.6%within the sector's middle half▼ 0.7pp1.7%within the sector's middle half▼ 1.9pp1.1%within the sector's middle half▼ 0.6pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
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 has fallen two years in a row; 2025 is 16% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.5m
Fixed assets
€2.8m ▲ 2.0%
Current assets
€702,578 ▼ 3.4%
Equity and liabilities €3.5m
Equity
€2.7m ▲ 1.4%
Provisions
€42,672 ▼ 6.6%
Debt
€755,497 ▼ 0.4%
Debt's share of the balance-sheet total falls from 21.8% to 21.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
1.4%▼
2024 · 2.2%
Debt ≤ 1 year
€715,709▲
2024 · €657,308
Debt > 1 year
€38,368▼
2024 · €39,868
Income taxes
€25,668▼
2024 · €37,554
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €33,215 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €191,049 | €164,518 | €147,454 | €160,614 | €170,813 | ▲ 6.3% |
| Other operating charges640/8 | €27,684 | €36,026 | €33,727 | €32,613 | €33,374 | ▲ 2.3% |
| Gross operating margin9900 | €400,445 | €417,519 | €398,735 | €341,568 | €328,052 | ▼ 4.0% |
| Operating profit (loss)9901 | €181,712 | €216,976 | €217,554 | €148,341 | €123,866 | ▼ 16.5% |
| Financial income75/76B | €35,000 | €15,000 | €15,000 | €3,416 | €5,857 | ▲ 71.4% |
| Recurring financial income75 | €35,000 | €15,000 | €15,000 | €3,416 | €5,857 | ▲ 71.4% |
| Financial charges65/66B | €35,562 | €34,547 | €47,146 | €59,109 | €70,138 | ▲ 18.7% |
| Recurring financial charges65 | €35,562 | €34,547 | €47,146 | €59,109 | €70,138 | ▲ 18.7% |
| Profit (loss) for the period before taxes9903 | €181,150 | €197,429 | €185,409 | €92,649 | €59,585 | ▼ 35.7% |
| Transfer from deferred taxes780 | €3,033 | €3,033 | €3,033 | €3,033 | €3,033 | = |
| Income taxes67/77 | €48,470 | €53,514 | €60,740 | €37,554 | €25,668 | ▼ 31.7% |
| Profit (loss) for the period9904 | €135,713 | €146,948 | €127,702 | €58,129 | €36,951 | ▼ 36.4% |
| Transfer from tax-exempt reserves789 | €9,100 | €9,100 | €9,100 | €9,100 | €9,100 | = |
| Profit (loss) for the period to be appropriated9905 | €144,813 | €156,048 | €136,802 | €67,229 | €46,051 | ▼ 31.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.4m | €3.4m | €3.6m | €3.5m | €3.5m | ▲ 0.9% |
| Fixed assets21/28 | €3.0m | €2.8m | €2.9m | €2.7m | €2.8m | ▲ 2.0% |
| Tangible fixed assets22/27 | €3.0m | €2.8m | €2.9m | €2.7m | €2.8m | ▲ 2.0% |
| Land and buildings22 | €3.0m | €2.8m | €2.8m | €2.7m | €2.8m | ▲ 2.7% |
| Plant, machinery and equipment23 | - | - | €768 | €1,664 | €1,236 | ▼ 25.7% |
| Furniture and vehicles24 | €1,728 | €3,009 | €80,459 | €63,159 | €45,858 | ▼ 27.4% |
| Financial fixed assets28 | €461 | €461 | €461 | €461 | €461 | = |
| Current assets29/58 | €409,357 | €592,290 | €688,459 | €727,476 | €702,578 | ▼ 3.4% |
| Amounts receivable after more than one year29 | - | - | - | €170,000 | €170,000 | = |
| Other amounts receivable291 | - | - | - | €170,000 | €170,000 | = |
| Amounts receivable within one year40/41 | €4,772 | €216,842 | €19,260 | €41,706 | €69,264 | ▲ 66.1% |
| Trade receivables40 | €641 | - | - | - | €12,486 | - |
| Other amounts receivable41 | €4,131 | €216,842 | €19,260 | €41,706 | €56,779 | ▲ 36.1% |
| Cash at bank and in hand54/58 | €394,151 | €369,190 | €649,236 | €499,010 | €453,457 | ▼ 9.1% |
| Deferred charges and accrued income490/1 | €10,434 | €6,258 | €19,963 | €16,760 | €9,857 | ▼ 41.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.4m | €3.4m | €3.6m | €3.5m | €3.5m | ▲ 0.9% |
| Equity10/15 | €2.3m | €2.4m | €2.6m | €2.7m | €2.7m | ▲ 1.4% |
| Contributions10/11 | €61,973 | €61,973 | €61,973 | €61,973 | €61,973 | = |
| Capital10 | €61,973 | €61,973 | €61,973 | €61,973 | €61,973 | = |
| Issued capital100 | €61,973 | €61,973 | €61,973 | €61,973 | €61,973 | = |
| Revaluation surpluses12 | - | - | €67,330 | €67,330 | €67,330 | = |
| Reserves13 | €673,091 | €663,991 | €791,641 | €849,742 | €886,692 | ▲ 4.3% |
| Non-distributable reserves130/1 | €6,197 | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Legal reserve130 | €6,197 | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Tax-exempt reserves132 | €166,894 | €157,794 | €148,694 | €139,594 | €130,494 | ▼ 6.5% |
| Distributable reserves133 | €500,000 | €500,000 | €636,750 | €703,950 | €750,001 | ▲ 6.5% |
| Profit (loss) carried forward14 | €1.5m | €1.7m | €1.7m | €1.7m | €1.7m | = |
| Provisions and deferred taxes16 | €54,805 | €51,772 | €48,738 | €45,705 | €42,672 | ▼ 6.6% |
| Deferred taxes168 | €54,805 | €51,772 | €48,738 | €45,705 | €42,672 | ▼ 6.6% |
| Amounts payable17/49 | €1.1m | €963,445 | €886,831 | €758,339 | €755,497 | ▼ 0.4% |
| Amounts payable after more than one year17 | €102,548 | €35,198 | €37,798 | €39,868 | €38,368 | ▼ 3.8% |
| Financial debts170/4 | €71,110 | - | - | - | - | - |
| Other amounts payable178/9 | €31,438 | €35,198 | €37,798 | €39,868 | €38,368 | ▼ 3.8% |
| Amounts payable within one year42/48 | €963,744 | €920,363 | €802,999 | €657,308 | €715,709 | ▲ 8.9% |
| Current portion of amounts payable after more than one year42 | €151,766 | €71,110 | - | - | - | - |
| Financial debts43 | €8,362 | €8,362 | - | - | - | - |
| Credit institutions430/8 | €8,362 | €8,362 | - | - | - | - |
| Trade debts44 | €613 | €6,894 | - | €3,803 | €4,886 | ▲ 28.5% |
| Suppliers440/4 | €613 | €6,894 | - | €3,803 | €4,886 | ▲ 28.5% |
| Advances received on contracts in progress46 | €12,000 | - | - | - | - | - |
| Taxes, remuneration and social security45 | €9,701 | €21,126 | €648 | €678 | €21,592 | ▲ 3,084% |
| Taxes450/3 | €9,701 | €21,126 | €648 | €678 | €21,592 | ▲ 3,084% |
| Other amounts payable47/48 | €781,301 | €812,870 | €802,351 | €652,827 | €689,231 | ▲ 5.6% |
| Accrued charges and deferred income492/3 | €5,596 | €7,885 | €46,034 | €61,163 | €1,421 | ▼ 97.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €135,713 | €146,948 | €127,702 | €58,129 | €36,951 | ▼ 36.4% |
| + Depreciation and write-downs630 | €191,049 | €164,518 | €147,454 | €160,614 | €170,813 | ▲ 6.3% |
| Operating cash flow (approximation) | €326,762 | €311,466 | €275,156 | €218,743 | €207,763 | ▼ 5.0% |
| Investment in fixed assets (approximation) | - | -€17,058 | -€166,669 | -€48,201 | -€226,787 | ▼ 371% |
| Change in cash | - | -€24,961 | €280,046 | -€150,225 | -€45,554 | ▲ 69.7% |
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
09-09
State Gazette act
Appointment: Marylene Mommaerts (director)Resignation: Rudi Craeymeersch (managing director)5 facts ▸
State Gazette act
Appointment: Marylene Mommaerts (director)
Resignation: Rudi Craeymeersch (managing director)5 facts ▸
- General meeting, 23-06-2026
- Director appointment, Marylene Mommaerts (director)
- Director resignation, Rudi Craeymeersch (managing director)
- Director resignation, Rudi Craeymeersch (director)
- Director resignation, Rudi Craeymeersch (chair of the board)
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €36,951 ▼36.4%
Net result drops to €36,951, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 82 days late
2020
31-12
Financial
Equity above €2mEq €2.1m ▲9.2%
3 profitable years in a row build equity to €2.1m.
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
31-12
Financial
Highest result since 2018net €336,166 ▲4%
Net result €336,166, the highest in the series.
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
07-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
Marylene Mommaerts
CurrentDirector · since 23-06-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
4 of this company's 5 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 1997
Ground area
1,879 m²
Building footprint
193 m²
Volume, LiDAR
849 m³
Parcel 44038A0458/00E005, Flanders · tallest building 6.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RUCRA
since 19972.073.709.352
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44038A0458/00E005 | Flanders | 1,879 m² | 1 · 193 m² | 6.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
2 people since 2026, 1 in office
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| Marylene Mommaerts |
|
| Rudi Craeymeersch |
|
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
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Of 24,721 companies in this sector we hold annual accounts for 19,804. 10,001 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPublic limited company
Founded11-10-1995
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0456242369
Also
9925:BE0456242369
Registered
16-05-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.