RUFO
ActiveSummary
RUFO has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69,371 and a net result of €3,009. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 50% of 31896 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability44▲+2
Solvency81▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 2.4 against 2.36 in 2024; short-term debt: 41.6% and cash: 29.5% of total assets), and 44.3% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
55.7%
Return on assets
2.4%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
30 d early
2023
32 d early
2022
30 d early
2021
38 d early
2020
30 d early
2019
on the day
← 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 27 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€69,371▲ 4.5%
2024 · €66,362
Total assets
€124,478▲ 4.1%
2024 · €119,603
Net result
€3,009▲ 31.1%
2024 · €2,296
Working capital
€72,701▲ 5.6%
2024 · €68,861
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€21,245€12,945€11,943▼ 7.7%€8,525▼ 28.6%€5,573▼ 34.6%
Net result-€22,337€9,395€5,663▼ 39.7%€2,296▼ 59.5%€3,009▲ 31.1%
Equity€49,008▼ 31.3%€58,403▲ 19.2%€64,066▲ 9.7%€66,362▲ 3.6%€69,371▲ 4.5%
Total assets€67,424▼ 39.1%€107,121▲ 58.9%€113,301▲ 5.8%€119,603▲ 5.6%€124,478▲ 4.1%
Debt€18,416▼ 53.2%€48,718▲ 165%€49,235▲ 1.1%€53,241▲ 8.1%€55,108▲ 3.5%
Working capital€49,158▼ 22.3%€59,275▲ 20.6%€66,886▲ 12.8%€68,861▲ 3.0%€72,701▲ 5.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €124,478
Equity
€69,371 ▲ 4.5%
Debt
€55,108 ▲ 3.5%
Debt's share of the balance-sheet total falls from 44.5% to 44.3%. Equity and debt are higher.
Key figures and ratios
Current ratio
2.40▲
2024 · 2.36
Debt to equity
0.79▼
2024 · 0.80
ROE
4.3%▲
2024 · 3.5%
ROA
2.4%▲
2024 · 1.9%
Debt ≤ 1 year
€51,778▲
2024 · €50,741
Income taxes
€4,259▼
2024 · €4,279
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 16,986 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 16,986 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €2,500 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,204 | €0 | - | - | - | - |
| Other operating charges640/8 | - | €1,811 | €767 | €1,460 | €1,144 | ▼ 21.7% |
| Gross operating margin9900 | -€2,485 | €14,756 | €12,710 | €9,985 | €6,716 | ▼ 32.7% |
| Operating profit (loss)9901 | -€21,245 | €12,945 | €11,943 | €8,525 | €5,573 | ▼ 34.6% |
| Financial income75/76B | - | €317 | €345 | €622 | €5,153 | ▲ 729% |
| Recurring financial income75 | - | €317 | €345 | €622 | €5,153 | ▲ 729% |
| Financial charges65/66B | - | €1,233 | €1,838 | €2,571 | €3,458 | ▲ 34.5% |
| Recurring financial charges65 | €807 | €1,233 | €1,838 | €2,571 | €3,458 | ▲ 34.5% |
| Profit (loss) for the period before taxes9903 | -€22,052 | €12,028 | €10,450 | €6,575 | €7,268 | ▲ 10.5% |
| Income taxes67/77 | €285 | €2,633 | €4,787 | €4,279 | €4,259 | ▼ 0.5% |
| Profit (loss) for the period9904 | -€22,337 | €9,395 | €5,663 | €2,296 | €3,009 | ▲ 31.1% |
| Profit (loss) for the period to be appropriated9905 | -€22,337 | €9,395 | €5,663 | €2,296 | €3,009 | ▲ 31.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €67,424 | €107,121 | €113,301 | €119,603 | €124,478 | ▲ 4.1% |
| Current assets29/58 | €67,424 | €107,121 | €113,301 | €119,603 | €124,478 | ▲ 4.1% |
| Amounts receivable within one year40/41 | €27,961 | €11,120 | €9,287 | €16,662 | €13,240 | ▼ 20.5% |
| Trade receivables40 | - | €11,097 | €9,287 | €16,662 | €11,979 | ▼ 28.1% |
| Other amounts receivable41 | - | €23 | €0 | - | €1,261 | - |
| Current investments50/53 | €23,980 | €23,980 | €23,980 | €73,397 | €73,397 | = |
| Cash at bank and in hand54/58 | €12,869 | €70,641 | €80,033 | €28,372 | €36,765 | ▲ 29.6% |
| Deferred charges and accrued income490/1 | - | €1,379 | €0 | €1,172 | €1,077 | ▼ 8.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €67,424 | €107,121 | €113,301 | €119,603 | €124,478 | ▲ 4.1% |
| Equity10/15 | €49,008 | €58,403 | €64,066 | €66,362 | €69,371 | ▲ 4.5% |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €52,753 | €52,753 | €52,753 | €52,753 | €52,753 | = |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Distributable reserves133 | - | €50,894 | €50,894 | €50,894 | €50,894 | = |
| Profit (loss) carried forward14 | -€22,337 | -€12,942 | -€7,280 | -€4,984 | -€1,975 | ▲ 60.4% |
| Amounts payable17/49 | €18,416 | €48,718 | €49,235 | €53,241 | €55,108 | ▲ 3.5% |
| Amounts payable within one year42/48 | €18,266 | €47,846 | €46,415 | €50,741 | €51,778 | ▲ 2.0% |
| Current portion of amounts payable after more than one year42 | - | €0 | - | - | - | - |
| Trade debts44 | €5,819 | €2,553 | €2,134 | €3,197 | €1,134 | ▼ 64.5% |
| Suppliers440/4 | - | €2,553 | €2,134 | €3,197 | €1,134 | ▼ 64.5% |
| Taxes, remuneration and social security45 | - | €3,413 | €1,649 | €2,476 | €1,647 | ▼ 33.5% |
| Taxes450/3 | - | €3,413 | €1,649 | €2,476 | €1,647 | ▼ 33.5% |
| Remuneration and social security454/9 | - | €0 | - | - | - | - |
| Other amounts payable47/48 | - | €41,880 | €42,632 | €45,069 | €48,997 | ▲ 8.7% |
| Accrued charges and deferred income492/3 | - | €872 | €2,820 | €2,499 | €3,330 | ▲ 33.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€22,337 | €9,395 | €5,663 | €2,296 | €3,009 | ▲ 31.1% |
| + Depreciation and write-downs630 | €13,204 | €0 | - | - | - | - |
| Operating cash flow (approximation) | -€9,133 | €9,395 | €5,663 | €2,296 | €3,009 | ▲ 31.1% |
| Change in cash | - | €57,772 | €9,392 | -€51,661 | €8,393 | ▲ 116% |
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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €9,395
Net result €9,395 after one loss-making year.
23-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet -€22,337
Net result drops to -€22,337, the lowest in the series; recovery starts the following year.
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Zonhoven · 1 establishment unit since 1993
Ground area
739 m²
Building footprint
133 m²
Volume, LiDAR
664 m³
Parcel 71066B1039/00C002, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
RUFO
since 19932.063.850.984
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71066B1039/00C002 | Flanders | 739 m² | 1 · 133 m² | 8.1 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.
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TOA
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,590. 39,611 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded24-08-1993
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
68110Buying and selling of own real estate
E-invoicing
Reachable via Peppol
Peppol ID
0208:0450747221
Also
9925:BE0450747221
Registered
07-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.