RUFFLARD CONSTRUCT · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of RUFFLARD CONSTRUCT is 2.8% (moderate). The 2024 annual accounts show equity of €63k and a net result of €13k. Its solvency ranks better than 52% of 3809 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Trust signals

3 signals

More than 3 years active

Founded in 2023, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags

0 events

No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

2.8% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€13k-69.6%

Working capital€48k+24.4%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 04-07-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	40.7%	39.4%	better than 52% of 3809 sector peers
Net result	€13k	€10k	better than 57% of 3806 sector peers
Equity	€63k	€29k	better than 75% of 3814 sector peers
Gross operating margin	€174k	€26k	better than 95% of 3804 sector peers
Staff costs	€127k	€16k	higher than 90% of 1118 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€45k

-40.4% 23-24

Net profit

€13k

-69.6% 23-24

Cash flow

€39k

-34.4% 23-24

Total assets

€155k

-5.7% 23-24

Equity

€63k

+26.4% 23-24

Working capital

€48k

+24.4% 23-24

Employees (FTE)

4

+85.0% 23-24

Staff costs

€127k

+197.8% 23-24

Income taxes

€4k

-74.4% 23-24

Debt

€92k

-19.7% 23-24

Debt ≤ 1y

€62k

-9.7% 23-24

Debt > 1y

€30k

-34.4% 23-24

Current ratio

1.78

+13.6% 23-24

Quick ratio

1.73

+12.7% 23-24

Solvency

40.7%

+34.0% 23-24

Debt / equity

1.46

-36.5% 23-24

ROE

20.9%

-76.0% 23-24

ROA

8.5%

-67.8% 23-24

Interest coverage

19.88

-57.9% 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Revenue	-
EBITDA	€45k
Net profit	€13k
Cash flow	€39k
Staff costs	€127k
Income taxes	€4k
Dividends	-
Total assets	€155k
Equity	€63k
Debt	€92k
of which ≤ 1y	€62k
of which > 1y	€30k
Working capital	€48k
Employees (FTE)	3.7

Ratios (computed)

	2024
Current ratio	1.78
Quick ratio	1.73
Working capital ratio	31.0%
Solvency	40.7%
Debt / equity	1.46
Long-term debt ratio	0.48
Interest coverage	19.88
Gross margin	-
Net margin	-
ROA	8.5%
ROE	20.9%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €45k · 29.3% Current assets €109k · 70.7%

Equity & liabilities

Equity €63k · 40.7% Debt €92k · 59.3%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€155k
Fixed assets	21/28	€45k
Tangible fixed assets	22/27	€45k
Financial fixed assets	28	€675
Current assets	29/58	€109k
Stocks & contracts in progress	3	€3k
Amounts receivable within one year	40/41	€37k
Cash & bank	54/58	€65k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€155k
Equity	10/15	€63k
Contributions / capital	10/11	€7k
Reserves	13	€56k
Accumulated profits (losses)	14	€0
Amounts payable	17/49	€92k
Amounts payable after one year	17	€30k
Amounts payable within one year	42/48	€62k
Trade debts payable within one year	44	€3k
Income statement
Gross operating margin	9900	€174k
Operating result	9901	€19k
Financial income	75	€31
Financial charges	65	€2k
Result before taxes	9903	€17k
Income taxes	67/77	€4k
Net result for the period	9904	€13k
Result to be appropriated	9905	€13k

You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

86 / 100 Excellent

050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Structure & network

Locations & real estate

Establishment units

1 location

RUFFLARD CONSTRUCT

Haardstraat 71, 7700 MouscronAlgemene bouw van residentiële gebouwen

since 20232.343.806.842

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area202 m²

Buildings1

Building footprint36 m²

Volume (LiDAR)263 m³

Tallest building9.4 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)