RUFFIO
ActiveSummary
RUFFIO has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91,622 and a net result of -€13,116. Equity has been stable since 2023 (±1.2% per year). Its solvency ranks better than 83% of 9,666 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 05-05-2023 Normal situation
- Activity
- Other business support services NACE 82990and 2 others
- Establishment unit
- 2.345.617.871 2275 Lille, since 05-05-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 09-10-2025
Board and ownership
Board
- GOOSSENS RuffusDirector
Shareholders
- GOOSSENS Ruffus100 sharesact of 09-05-2023
- Holdings
- Shares in 1 company Shuttles
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.5%
Annual accounts 2025
- Gross margin
- -€9,798
- Loss
- €13,116
- Equity
- €91,622
- ▼ 12.5%
- Total assets
- €110,094
- ▼ 20.9%
Turnover not published (micro format)
Score breakdownraises riskFounded in 2023Loss of €13,116 (financial year 2025)lowers riskSector: Office administrative, office support and other business support activities (NACE 82)Equity €91,622 (83.2% of total assets)Show the evidence
Checked score
Score 2025
82
/ 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 42% of micro companies in office administrative support (NACE 82)
Financial strength · tick: 2024
Average
Solvency
100=
equity 83.2% of total assets
Liquidity
53-23
short-term debt 16.7% · cash 5.6%
Profitability
4-75
return on assets -11.9%
Bankruptcy probability within 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
About 5 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 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
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: 0.3%▲ +0.2 percentage points vs 07-2025
09-2025: 0.4%▲ +0.1 percentage points vs 08-2025
10-2025: 0.1%▼ -0.3 percentage points 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: 0.5%▲ +0.4 percentage points vs 07-2026highest value
09-2026: 0.5%● unchanged vs 08-2026highest value
10-2026: 0.5%● unchanged vs 09-2026
11-2026: 0.5%● unchanged vs 10-2026
Credit of up to €7,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.34 (3.32 in 2024), above the usual 1.5. Short-term debt is 16.7% and cash 5.6% of total assets. 16.8% of the assets are financed with debt and provisions.
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 82, micro). It does better than 88% of them on solvency, 45% on liquidity, 11% on profitability and 25% on growth.
The bankruptcy probability was computed on 04-11-2026 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 31-12-2025.
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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 10-07-2026, 21 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
21 days early
2024
28 days late
2023
29 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 12 days after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 August (3 of the last 3 accounts filed within 49 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 10-07-2026 at the NBB all 3 filings
Equity
€91,622▼ 12.5%
2024 · €104,738
Total assets
€110,094▼ 20.9%
2024 · €139,168
Net result
-€13,116
2024 · €10,861
Working capital
€61,413▼ 22.9%
2024 · €79,603
Multi-year overview
2023 to 2025, 3 financial yearsOperating result
-€14,522
2025
20232025
Net result
-€13,116
2025
lowest quarter of the sector
20232025
Equity
€91,622
▼ 12.5%
2025
middle half of the sector
20232025
Total assets
€110,094
▼ 20.9%
2025
middle half of the sector
20232025
Debt
€18,473
▼ 46.3%
2025
20232025
Working capital
€61,413
▼ 22.9%
2025
middle half of the sector
20232025
Solvency
83.2%
▲ 8.0pp
2025
highest quarter of the sector
20232025
Current ratio
4.34
▲ 1.01
2025
highest quarter of the sector
20232025
Return on assets (ROA)
-11.9%
▼ 19.7pp
2025
lowest quarter of the sector
20232025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line202320242025
Operating result€114,961-€14,935▼ 87.0%-€14,522
Net result€90,877above the sector's middle half-€10,861within the sector's middle half▼ 88.0%-€13,116below the sector's middle half
Equity€93,877within the sector's middle half-€104,738within the sector's middle half▲ 11.6%€91,622within the sector's middle half▼ 12.5%
Total assets€127,953within the sector's middle half-€139,168within the sector's middle half▲ 8.8%€110,094within the sector's middle half▼ 20.9%
Debt€34,076-€34,431▲ 1.0%€18,473▼ 46.3%
Working capital€61,517within the sector's middle half-€79,603within the sector's middle half▲ 29.4%€61,413within the sector's middle half▼ 22.9%
Solvency73.4%within the sector's middle half-75.3%within the sector's middle half▲ 1.9pp83.2%above the sector's middle half▲ 8.0pp
Current ratio2.81within the sector's middle half-3.32within the sector's middle half▲ 0.514.34above the sector's middle half▲ 1.01
Return on assets (ROA)71.0%above the sector's middle half-7.8%within the sector's middle half▼ 63.2pp-11.9%below the sector's middle half▼ 19.7pp
above
within
below
The sector band is the middle half of the companies in Office administrative, office support and other business support activities (NACE 82). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is a loss of €14,522, after a profit of €14,935 in 2024. It is the lowest result since 2023.
Turnover and EBIT margin are not published. The micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €110,094
Fixed assets
€30,286 ▲ 19.6%
Current assets
€79,809 ▼ 29.9%
Equity and liabilities €110,094
Equity
€91,622 ▼ 12.5%
Debt
€18,473 ▼ 46.3%
Debt's share of the balance-sheet total falls from 24.7% to 16.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€14,241▼
2024 · €22,073
Cash flow
-€12,836▼
2024 · €17,999
Debt to equity
0.20▼
2024 · 0.33
ROE
-14.3%▼
2024 · 10.4%
Interest coverage
-197.39▼
2024 · over 100
Debt ≤ 1 year
€18,395▼
2024 · €34,239
Income taxes
€294▼
2024 · €5,527
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Tangible fixed assets | €35,692 | - | €25,566 |
| Financial fixed assets | - | - | €5,000 |
| Depreciation and write-downs of the year | €3,227 | €7,138 | €280 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,227 | €7,138 | €280 | ▼ 96.1% |
| Other operating charges640/8 | €527 | €942 | €605 | ▼ 35.8% |
| Non-recurring operating charges66A | - | - | €3,839 | - |
| Gross operating margin9900 | €118,715 | €23,016 | -€9,798 | - |
| Operating profit (loss)9901 | €114,961 | €14,935 | -€14,522 | - |
| Financial income75/76B | €671 | €1,546 | €1,771 | ▲ 14.6% |
| Recurring financial income75 | €671 | €1,546 | €1,771 | ▲ 14.6% |
| Financial charges65/66B | €39 | €93 | €72 | ▼ 22.6% |
| Recurring financial charges65 | €39 | €93 | €72 | ▼ 22.6% |
| Profit (loss) for the period before taxes9903 | €115,593 | €16,387 | -€12,822 | - |
| Income taxes67/77 | €24,716 | €5,527 | €294 | ▼ 94.7% |
| Profit (loss) for the period9904 | €90,877 | €10,861 | -€13,116 | - |
| Profit (loss) for the period to be appropriated9905 | €90,877 | €10,861 | -€13,116 | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €127,953 | €139,168 | €110,094 | ▼ 20.9% |
| Fixed assets21/28 | €32,465 | €25,326 | €30,286 | ▲ 19.6% |
| Tangible fixed assets22/27 | €32,465 | €25,326 | €25,286 | ▼ 0.2% |
| Furniture and vehicles24 | €32,465 | €25,326 | €25,286 | ▼ 0.2% |
| Financial fixed assets28 | - | - | €5,000 | - |
| Current assets29/58 | €95,488 | €113,842 | €79,809 | ▼ 29.9% |
| Amounts receivable within one year40/41 | €53,664 | €71,948 | €72,627 | ▲ 0.9% |
| Trade receivables40 | €51,150 | €2,354 | - | - |
| Other amounts receivable41 | €2,514 | €69,594 | €72,627 | ▲ 4.4% |
| Cash at bank and in hand54/58 | €39,811 | €39,290 | €6,159 | ▼ 84.3% |
| Deferred charges and accrued income490/1 | €2,014 | €2,604 | €1,023 | ▼ 60.7% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €127,953 | €139,168 | €110,094 | ▼ 20.9% |
| Equity10/15 | €93,877 | €104,738 | €91,622 | ▼ 12.5% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €90,877 | €101,738 | €101,738 | = |
| Distributable reserves133 | €90,877 | €101,738 | €101,738 | = |
| Profit (loss) carried forward14 | - | - | -€13,116 | - |
| Amounts payable17/49 | €34,076 | €34,431 | €18,473 | ▼ 46.3% |
| Amounts payable within one year42/48 | €33,971 | €34,239 | €18,395 | ▼ 46.3% |
| Trade debts44 | €66 | €1,646 | €500 | ▼ 69.6% |
| Suppliers440/4 | €66 | €1,646 | €500 | ▼ 69.6% |
| Taxes, remuneration and social security45 | €30,555 | €30,243 | €7,473 | ▼ 75.3% |
| Taxes450/3 | €30,555 | €30,243 | €7,473 | ▼ 75.3% |
| Other amounts payable47/48 | €3,350 | €2,350 | €10,422 | ▲ 343% |
| Accrued charges and deferred income492/3 | €105 | €192 | €77 | ▼ 59.7% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €90,877 | €10,861 | -€13,116 | - |
| + Depreciation and write-downs630 | €3,227 | €7,138 | €280 | ▼ 96.1% |
| Operating cash flow (approximation) | €94,104 | €17,999 | -€12,836 | - |
| Investment in fixed assets (approximation) | - | €0 | -€5,239 | - |
| Change in cash | - | -€521 | -€33,131 | ▼ 6,259% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 3,223 companies had the same profile as RUFFIO has now. Two years later, 87.8% were still going and 3.4% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
87.8%
was still going
8.7%
stopped otherwise
3.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of RUFFIO itself is lower: 0.5% within 12 months. It rests on far more data about RUFFIO than the profile alone.
Test of the method
The method was tested on the 497,446 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 3,223 companies, not a prediction for RUFFIO. 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.
Board & ownership
Directors
Directors
1 director, since incorporation
GOOSSENS Ruffus
Current
Director · appointed in the act of 09-05-2023 · term without a fixed end · also on the board of 1 other company · listed in the 2025 annual accounts, filed on 10-07-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 09-05-2023Owners and capital
Shareholders
At incorporation
act of 09-05-2023 ↗
- GOOSSENS Ruffus 100 shares (100%) · €3,000
Capital transactions
Capital over time
- 09-05-2023 Incorporation · €3,000 · 100 shares
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Algemene vergadering die benoemt bepaalt aantal,duur en indien meerdere bevoegdheid, benoemd met of zonder beperking van duur”
Articles of association, deed of 09-05-2023 (in Dutch)
Network & group
Holdings and subsidiaries
1 holdingHoldings 1
- Sourceown accounts 2025Equity -€555,324 Loss of €124,375 in 2025 (loss of €366,266 in 2024) Checked score 4750%
Connections & network
1 current directorThe board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.
This company
Company
Director
Shareholding
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Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
10-07
micro format · 21 days before the deadline
2025
31-12
Financial
Weakest financial yearnet -€13,116
The net result drops to -€13,116, the lowest from 2023 to 2025.
28-08
micro format · 28 days late
2024
31-12
Financial
Equity above €100,000equity €104,738 ▲11.6%
With a profit in every financial year since 2023, equity grows to €104,738.
29-08
micro format · 29 days late
2023
09-05
Gazette deed
IncorporationFounding capital of €3,000, 100 shares · Founder: GOOSSENS Ruffus · Appointment: GOOSSENS Ruffus (director)5 points ▸
Gazette deed
Incorporation
Founding capital of €3,000, 100 shares · Founder: GOOSSENS Ruffus · Appointment: GOOSSENS Ruffus (director)5 points ▸
- Director appointment, GOOSSENS Ruffus
- Registered office clause, Doolstraat 19, 2275 Lille-Gierle
- Incorporation, 02-05-2023
- Founder, GOOSSENS Ruffus
- Founding capital, €3,000, 100 shares
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
RUFFIO in Dutch
Enterprise number
0801.468.438
Legal form
Private limited company
Status
Active, normale toestand
Founded
05-05-2023
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 09-05-2023 (in Dutch)Registered office and establishments
Registered office
Doolstraat 19, 2275 Lille, Belgium
Establishment unit
RUFFIO, Doolstraat 19, 2275 Lille since 05-05-2023 · unit number 2.345.617.871
Activities
NACEBEL 202582990
Other business support services main activity
70200
Business and other management consultancy
82100
Office administrative and support services
Codes under NACEBEL 2008
82990
Other business support services main activity
70220
Business consulting
82110
Office administrative, office support and other business support activities
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 09-05-2023 (in Dutch)
“Het optreden als studie-organisatie-,raadgevend- en consultancy bureau inzake alle commerciële,administratieve en technische aangelegenheden…”
14 activities
- Het optreden als studie-organisatie-,raadgevend- en consultancy bureau inzake alle commerciële,administratieve en technische aangelegenheden inde meest ruime zin van het woord en in alle type van sectoren,het leveren van diensten als projectmanager alsook de coördinatie,leiding en beheer over andere ondernemingen en verenigingen op zich nemen (ongeacht in welke hoedanigheid dit wordt gedaan)
- Participaties aangaan in andere ondernemingen en verenigingen
- De vennootschap mag alle verrichtingen,in het bijzonder industriële of handels-,roerende of onroerende verrichtingen,in rechtstreeks of onrechtstreeks,geheel of gedeeltelijk verband met één of andere afdeling van haar voorwerp,of die van aard zouden zijn de verwezenlijking ervan uit te breiden of te vergemakkelijken
- Het aanwerven van personeel alsook het sluiten van overeenkomsten met derden om haar voorwerp te verwezenlijken
- Het aanleggen,het beheren en het oordeelkundig uitbouwen,voor eigen rekening,van een onroerend en roerend vermogen;alle verrichtingen doen die rechtstreeks of onrechtstreeks betrekking hebben op het beheer,het productief maken of de valorisatie van onroerende of roerende goederen en rechten,van welke aard ook;haar beschikbare middelen beleggen,wederbelegging of investeren in roerende of onroerende activa,met inbegrip van,zonder dat een beperking is,de aankoop,de verkoop,het verhuur,de leasing,het ruilen,de renovatie,de verbouwing en de verdeling van alle onroerende goederen
- Op alle wijzen deelnemen in alle vennootschappen of ondernemingen met een gelijk of aanverwant voorwerp of waarvan het voorwerp,zelfs onrechtstreeks,van aard zou zijn de verwezenlijking van het hare te vergemakkelijken
- Alle overeenkomsten van samenwerking,rationalisatie,vereniging of andere afsluiten met dergelijke vennootschappen of ondernemingen
- Zich borg stellen of personele of zakelijke zekerheden stellen ten bate van om het even welke,al dan niet verbonden,natuurlijke of rechtspersoon
- Zij mag de functie van bestuurder,zaakvoerder en vereffenaar uitoefenen
- Zij heeft in het algemeen de volle rechtsbekwaamheid om alle handelingen en verrichtingen te voltrekken die een rechtstreeks of onrechtstreeks verband houden met haar voorwerp of welke van die aard zouden zijn dat zij de verwezenlijking van dit voorwerp,rechtstreeks of onrechtstreeks,geheel of ten dele vergemakkelijken
- Zij kan belangen nemen door associatie,inbreng,fusie,financiële tussenkomst of op gelijk welke andere wijze,in alle vennootschappen,verenigingen of ondernemingen met een identiek,gelijklopend of samenhangend voorwerp met het hare of die van aard kunnen zijn de ontwikkeling van haar onderneming te begunstigen of een bron van afzetten te vormen
- Zij kan de functies van bestuurder of vereffenaar uitoefenen in andere vennootschappen
- De vennootschap mag zich borgstellen of zakelijke zekerheden verlenen ten voordele van vennootschappen of particulieren,in de meest ruime zin
- De vennootschap kan in het algemeen alle commerciële,industriële,financiële,roerende of onroerende handelingen verrichten in rechtstreeks of onrechtstreeks verband met haar voorwerp of welke van aard zouden zijn de verwezenlijking ervan geheel of ten dele te vergemakkelijken
Invoicing and payment
VAT number
BE 0801.468.438
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Second Saturday of June at 18:00
deed of 09-05-2023 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
2,092 m²
Building footprint
242 m²
Building volume
796 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 13009D0175/00H000 | Flanders | 2,092 m² | 1 · 242 m² | 5.8 m · 1 |