Active BE 0765.178.164Private limited company

RUFIA

Kribbestraat 17 ·1050 Elsene, Belgium· 5 yrs active

Sector: Food & beverage service (56112)

Conclusion Checked

The computed 12-month bankruptcy probability of RUFIA is 8.9% (elevated). The 2023 annual accounts show equity of €24k and a net result of €10k. Equity is growing by ~18.4% per year across the filed fiscal years. Its solvency ranks better than 92% of 4659 sector peers (fiscal year 2023). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Key figures

Equity	€24k
Net result	€10k
Staff (FTE)	0.1
Better than sector	92%

Snowflake analysis 5 axes · computed by Checked

85 / 100

Exceptional profile, strong across almost every axis.

Health 100

Profitability 74

Solvency 100

Growth 57

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

8.9% Elevated

0%0,5%1,5%4%10%≥25%

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

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

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 3 signals

More than 3 years active

Founded in 2021, 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

Health barometer FY 2023 · computed

100 / 100 Excellent

050100

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

Financial overview3 NBB filings

Annual accounts filed on 17-10-2024 with the NBB · fiscal year 2023 · micro

RevenueOperating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~18.4%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2023 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	71.2%	16.7%	better than 92% of 4659 sector peers
Net result	€10k	€2k	better than 67% of 4649 sector peers
Equity	€24k	€11k	better than 64% of 4671 sector peers
Gross operating margin	€15k	€42k	better than 32% of 4632 sector peers
Staff costs	€3k	€47k	higher than 10% of 3315 sector peers

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

Revenue

€115k

-9.3% 21-23

EBITDA

€12k

+85.3% +19% vs sector

Net profit

€10k

+116.2% +120% vs sector

Cash flow

€12k

+148.6% +28% vs sector

Total assets

€34k

+15.2% -39% vs sector

Equity

€24k

+74.5% -8% vs sector

Working capital

€20k

+53.4% +169% vs sector

Employees (FTE)

0

- -99% vs sector

Staff costs

€3k

- -100% vs sector

Income taxes

€2k

-54.9% far above sector median

Debt

€10k

-37.3% -69% vs sector

Debt ≤ 1y

€10k

-37.3% -63% vs sector

Current ratio

3.05

+65.9% +131% vs sector

Quick ratio

1.88

+2.2% +85% vs sector

Solvency

71.2%

+51.5% +67% vs sector

Debt / equity

0.41

-64.1% -71% vs sector

ROE

42.7%

+23.9% +136% vs sector

ROA

30.4%

+87.7% +255% vs sector

Net margin

9.1%

+138.4% 21-23

EBITDA margin

10.6%

+104.4% 21-23

Interest coverage

114.20

+113.3% far above sector median

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2023
Revenue	€115k
EBITDA	€12k
Net profit	€10k
Cash flow	€12k
Staff costs	€3k
Income taxes	-
Dividends	-
Total assets	€34k
Equity	€24k
Debt	€10k
of which ≤ 1y	€10k
of which > 1y	-
Working capital	€20k
Employees (FTE)	0.1

Ratios (computed)

	2023
Current ratio	3.05
Quick ratio	1.88
Working capital ratio	59.0%
Solvency	71.2%
Debt / equity	0.41
Long-term debt ratio	-
Interest coverage	114.20
Gross margin	13.2%
Net margin	9.1%
ROA	30.4%
ROE	42.7%
EBITDA margin	10.6%
Days sales outstanding	-
Days payable outstanding	9d
Inventory turnover	8.60
Days inventory (DSI)	42d

Balance-sheet composition 2023

Assets

Fixed assets €4k · 12.1% Current assets €30k · 87.9%

Equity & liabilities

Equity €24k · 71.2% Debt €10k · 28.9%

Full annual accounts

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

Line item	Code	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€34k
Fixed assets	21/28	€4k
Tangible fixed assets	22/27	€4k
Current assets	29/58	€30k
Stocks & contracts in progress	3	€12k
Cash & bank	54/58	€19k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€34k
Equity	10/15	€24k
Contributions / capital	10/11	€5k
Reserves	13	€604
Accumulated profits (losses)	14	€19k
Amounts payable	17/49	€10k
Amounts payable within one year	42/48	€10k
Trade debts payable within one year	44	€2k
Income statement
Turnover	70	€115k
Gross operating margin	9900	€15k
Operating result	9901	€11k
Financial charges	65	€106
Result before taxes	9903	€10k
Net result for the period	9904	€10k
Result to be appropriated	9905	€10k

You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Food & beverage service(56112)
Legal form	Private limited company(610)
Incorporation	15-03-2021
Status	Active
Postal code	1050

Establishment units 1 location

DELTAS COMPANY

Kribbestraat 17, 1050 ElseneActiviteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden

since 20212.316.353.268

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

Real-estate footprint Source: CBE × cadastre

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.

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21009A0964/00W000	Brussels	96 m²	1 · 53 m²	16.7 m · 5 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 6 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

28-04-2025

State Gazette act Capital & shares

2024

17-10-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

24-08-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

02-06-2023

State Gazette act Capital & shares

2022

30-09-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

03-01-2022

State Gazette act Capital & shares

Belgisch Staatsblad, acts 3 acts

Capital history · 3

28-04-2025

Capital change

02-06-2023

Capital change

03-01-2022

Capital change

All acts · 3 updated 1 year ago

2025

28-04-2025 All shares are now held by a single shareholder Capital & shares

Original publication ↗

Technical details

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2023

02-06-2023 Transaction in capital or shares Capital & shares

Original publication ↗

Technical details

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2022

03-01-2022 Transaction in capital or shares Capital & shares

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

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Company registry (CBE) Crossroads Bank

Activities

Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112Cateringdiensten op contractbasis en overige diensten in verband met maaltijden56220Overige eetgelegenheden56290

Primary activity highlighted.

Names & trade names

Legal nameFR

RUFIA

Registered office

Kribbestraat 17

1050 Elsene, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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