RUFUS
ActiveSummary
RUFUS has been active since 1990 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.0m and a net result of €259,562. Equity has been growing by about 15% per year since 2018. Its solvency ranks better than 95% of 5,039 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 30-11-1990 Normal situation
- Activity
- Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716and 1 other
- Joint committee
- 201 Paritair Comité voor de zelfstandige kleinhandel · annual accounts 2022
- Establishment units
- 2.052.841.385 8670 Koksijde, since 17-12-1990
- 2.052.841.286 8430 Middelkerke, since 04-09-1991and 1 other
- Financial year end
- 31 December
- Peppol
- Reachable since 16-10-2025
Board and ownership
- MCP TRADINGManaging director · permanent representative PYNAERT Marc
- RUANT JustineManaging director
- VERBIEST GinetteDirector · since 07-11-2023
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
- Gross margin
- €685,572
- ▼ 3.2%
- Turnover
- ≈ €2.5m
- estimated
- Profit
- €259,562
- ▼ 11.3%
- Equity
- €2.0m
- ▲ 15.3%
- Total assets
- €2.2m
- ▲ 11.3%
- Employees on 31-12-2025
- 5
- =
Score breakdownlowers riskLiquidity: current ratio 7.72, cash €1.1mFounded in 1990Equity €2.0m (89.6% of total assets)Size: 5.1 FTE, total assets €2.2mShow the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 47, micro). It does better than 92% of them on solvency, 97% on liquidity, 77% on profitability and 68% on growth.
The bankruptcy probability was computed on 01-11-2026 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.
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
The company filed its last 7 accounts on average 22 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, full format
Annual accounts 2025 filed on 22-07-2026 at the NBB all 35 filings
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result for 2025 is 14% lower than in 2024. It is the second fall in a row.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Average staff per financial year, in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Retail trade (NACE 47). 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 dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio, return on assets (ROA) and staff (FTE).
Staff
| Item | 31-12-2021 | 31-12-2022 | 31-12-2023 | 31-12-2024 | 31-12-2025 |
|---|---|---|---|---|---|
| Employees at the balance-sheet date | 5 | 6 | 7 | 5 | 5 |
| full-time | 4 | 4 | 3 | 4 | 4 |
| part-time | 1 | 2 | 4 | 1 | 1 |
| in full-time equivalents | 4.4 | 5.2 | 5.4 | 4.4 | 4.7 |
| Average over the year, in full-time equivalents | 4.2 | 4.9 | 5.1 | 4.6 | 5.1 |
| On a permanent contract | 4 | 5 | 4 | 4 | 4 |
| Joined | 96 | 130 | 219 | 265 | 417 |
| Left | 95 | 129 | 218 | 267 | 417 |
| Training hours | - | - | 11 | - | 16 |
Source: social balance sheet in the 2021 to 2025 annual accounts
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €74,709 | €151,454 | €46,757 | €50,900 | €93,534 |
| Depreciation and write-downs of the year | €47,677 | €61,277 | €75,186 | €78,567 | €80,862 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Subsidies and aid
Flemish government
2024 to 2025 · 2 entries · €320 awarded · €320 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €0 | €320 |
| 2024 | 1 | €320 | €0 |
Comparable companies
These companies have the same main activity as RUFUS: retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716). They are comparable in size and age: total assets between €1.7m and €2.6m, founded between 1986 and 1994.
| Company | Founded | Total assets | Equity | Gross margin | Net result | FTE | Financial year |
|---|---|---|---|---|---|---|---|
| RUFUS Koksijde | 1990 | €2.2m | €2.0m | €0.7m | €0.3m | 5.1 | 2025 |
| FRAGINE Deerlijk | 1987 | €2.1m | €0.6m | €0.7m | €0.1m | 6.4 | 2025 |
| VIRGUL Jabbeke | 1986 | €1.8m | €1.2m | €0.4m | €0.1m | 5.8 | 2025 |
| GOEMAERE MODE Bredene | 1991 | €1.9m | €0.9m | €0.4m | €0.005m | 6.5 | 2025 |
| LABAERE TAILORS Zottegem | 1994 | €1.7m | €1.3m | €0.6m | €0.2m | 4.9 | 2025 |
| HOMME FASHION Ciney | 1987 | €2.6m | €0.7m | €0.8m | €0.2m | 7.3 | 2026 |
| DANY - MOD Manage | 1987 | €1.7m | €0.9m | €0.5m | €0.09m | 6 | 2026 |
They were chosen from the 2,579 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 31,368 companies had the same profile as RUFUS has now. Two years later, 0.5% had gone bankrupt and 93.5% were still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of RUFUS itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,445 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 31,368 companies, not a prediction for RUFUS. 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.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €4,500 | €0 | - | €1,807 | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | - | - | - | €190,206 | €228,176 | €242,517 | €242,335 | €269,125 | ▲ 11.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €86,328 | €70,215 | €45,248 | €47,677 | €61,277 | €75,186 | €78,567 | €80,862 | ▲ 2.9% |
| Other operating charges640/8 | - | - | - | €8,781 | €9,225 | €11,494 | €11,111 | €11,969 | ▲ 7.7% |
| Non-recurring operating charges66A | - | - | - | €0 | - | - | - | - | - |
| Gross operating margin9900 | €407,209 | €372,049 | €289,730 | €576,068 | €620,866 | €730,105 | €708,122 | €685,572 | ▼ 3.2% |
| Operating profit (loss)9901 | €140,448 | €132,479 | €118,115 | €329,405 | €322,187 | €400,908 | €376,109 | €323,616 | ▼ 14.0% |
| Financial income75/76B | - | - | - | €23,385 | €28,538 | €41,204 | €52,498 | €57,557 | ▲ 9.6% |
| Recurring financial income75 | €29,220 | €22,050 | €23,075 | €23,385 | €28,538 | €41,204 | €52,498 | €57,557 | ▲ 9.6% |
| Financial charges65/66B | - | - | - | €752 | €655 | €6,052 | €6,576 | €9,009 | ▲ 37.0% |
| Recurring financial charges65 | €501 | €417 | €987 | €752 | €655 | €6,052 | €6,576 | €9,009 | ▲ 37.0% |
| Profit (loss) for the period before taxes9903 | €169,167 | €154,111 | €140,203 | €352,037 | €350,070 | €436,059 | €422,031 | €372,164 | ▼ 11.8% |
| Income taxes67/77 | €54,336 | €48,390 | €35,226 | €114,272 | €88,823 | €120,542 | €129,495 | €112,602 | ▼ 13.0% |
| Profit (loss) for the period9904 | €114,831 | €105,721 | €104,977 | €237,765 | €261,247 | €315,517 | €292,536 | €259,562 | ▼ 11.3% |
| Transfer from tax-exempt reserves789 | - | - | - | €96,206 | €0 | - | €96,830 | €0 | ▼ 100% |
| Transfer to tax-exempt reserves689 | - | - | - | €96,830 | €105,250 | €147,350 | €105,250 | €0 | ▼ 100% |
| Profit (loss) for the period to be appropriated9905 | €114,831 | €105,721 | €104,977 | €237,141 | €155,997 | €168,167 | €284,116 | €259,562 | ▼ 8.6% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €0.8m | €0.9m | €1.1m | €1.4m | €1.6m | €1.8m | €2.0m | €2.2m | ▲ 11.3% |
| Fixed assets21/28 | €0.4m | €0.4m | €0.4m | €0.4m | €0.5m | €0.5m | €0.4m | €0.5m | ▲ 2.8% |
| Tangible fixed assets22/27 | €0.4m | €0.4m | €0.4m | €0.4m | €0.5m | €0.5m | €0.4m | €0.5m | ▲ 2.8% |
| Land and buildings22 | - | - | - | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | ▲ 0.5% |
| Plant, machinery and equipment23 | - | - | - | €0.08m | €0.2m | €0.2m | €0.2m | €0.2m | ▲ 5.9% |
| Furniture and vehicles24 | - | - | - | €0.03m | €0.01m | €0.005m | €0.006m | €0.007m | ▲ 5.5% |
| Current assets29/58 | €0.4m | €0.5m | €0.7m | €0.9m | €1.1m | €1.4m | €1.5m | €1.7m | ▲ 13.8% |
| Amounts receivable after more than one year29 | - | - | - | €0.1m | €0.1m | €0.09m | €0.08m | €0.07m | ▼ 11.7% |
| Trade receivables290 | - | - | - | €0.1m | €0.1m | €0 | - | - | - |
| Other amounts receivable291 | - | - | - | - | - | €0.09m | €0.08m | €0.07m | ▼ 11.7% |
| Stocks and contracts in progress3 | €0.3m | €0.3m | €0.3m | €0.2m | €0.3m | €0.3m | €0.4m | €0.5m | ▲ 18.1% |
| Stocks30/36 | - | - | - | €0.2m | €0.3m | €0.3m | €0.4m | €0.5m | ▲ 18.1% |
| Amounts receivable within one year40/41 | €0.02m | €0.1m | €0.2m | €0.02m | €0.02m | €0.03m | €0.02m | €0.06m | ▲ 134% |
| Trade receivables40 | - | - | - | €0.009m | €0.01m | €0.03m | €0.01m | €0.04m | ▲ 146% |
| Other amounts receivable41 | - | - | - | €0.01m | €0.01m | €0.01m | €0.01m | €0.02m | ▲ 116% |
| Cash at bank and in hand54/58 | €0.09m | €0.1m | €0.2m | €0.6m | €0.6m | €0.9m | €1.0m | €1.1m | ▲ 12.8% |
| Deferred charges and accrued income490/1 | - | - | - | €0.005m | €0 | €46 | €0.02m | €0.007m | ▼ 63.4% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €0.8m | €0.9m | €1.1m | €1.4m | €1.6m | €1.8m | €2.0m | €2.2m | ▲ 11.3% |
| Equity10/15 | €0.7m | €0.8m | €0.9m | €1.1m | €1.3m | €1.6m | €1.7m | €2.0m | ▲ 15.3% |
| Contributions10/11 | €0.06m | €0.06m | €0.06m | €0.06m | €0.06m | €0.06m | €0.06m | €0.06m | = |
| Capital10 | - | - | - | €0.06m | €0.06m | €0.06m | €0.06m | €0.06m | = |
| Issued capital100 | - | - | - | €0.06m | €0.06m | €0.06m | €0.06m | €0.06m | = |
| Reserves13 | €0.7m | €0.8m | €0.9m | €1.1m | €1.3m | €1.6m | €1.6m | €1.9m | ▲ 15.9% |
| Non-distributable reserves130/1 | - | - | - | €0.02m | €0.02m | €0.02m | €0.01m | €0.01m | = |
| Legal reserve130 | - | - | - | €0.02m | €0.02m | €0.02m | €0.01m | €0.01m | = |
| Tax-exempt reserves132 | - | - | - | €0.1m | €0.2m | €0.3m | €0.4m | €0.4m | = |
| Distributable reserves133 | - | - | - | €0.9m | €1.1m | €1.2m | €1.3m | €1.5m | ▲ 20.6% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €0.09m | €0.1m | €0.1m | €0.2m | €0.2m | €0.2m | €0.3m | €0.2m | ▼ 14.4% |
| Amounts payable within one year42/48 | €0.09m | €0.1m | €0.1m | €0.2m | €0.2m | €0.2m | €0.3m | €0.2m | ▼ 13.0% |
| Trade debts44 | €0.03m | €0.05m | €0.03m | €0.02m | €0.05m | €0.03m | €0.05m | €0.1m | ▲ 83.9% |
| Suppliers440/4 | - | - | - | €0.02m | €0.05m | €0.03m | €0.05m | €0.1m | ▲ 83.9% |
| Advances received on contracts in progress46 | - | - | - | €350 | €375 | €400 | €400 | €400 | = |
| Taxes, remuneration and social security45 | - | - | - | €0.1m | €0.09m | €0.09m | €0.1m | €0.1m | ▼ 6.2% |
| Taxes450/3 | - | - | - | €0.08m | €0.04m | €0.05m | €0.07m | €0.06m | ▼ 12.4% |
| Remuneration and social security454/9 | - | - | - | €0.04m | €0.05m | €0.04m | €0.04m | €0.05m | ▲ 2.9% |
| Other amounts payable47/48 | - | - | - | €0.09m | €0.08m | €0.06m | €0.09m | €0.02m | ▼ 74.7% |
| Accrued charges and deferred income492/3 | - | - | - | €0.001m | €284 | €248 | €0.008m | €0.003m | ▼ 59.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €114,831 | €105,721 | €104,977 | €237,765 | €261,247 | €315,517 | €292,536 | €259,562 | ▼ 11.3% |
| + Depreciation and write-downs630 | €86,328 | €70,215 | €45,248 | €47,677 | €61,277 | €75,186 | €78,567 | €80,862 | ▲ 2.9% |
| Operating cash flow (approximation) | €201,159 | €175,936 | €150,225 | €285,442 | €322,524 | €390,704 | €371,103 | €340,424 | ▼ 8.3% |
| Investment in fixed assets (approximation) | - | -€39,480 | -€18,076 | -€74,709 | -€144,654 | -€43,857 | -€50,900 | -€93,060 | ▼ 82.8% |
| Change in cash | - | €54,627 | €13,985 | €435,392 | €18,790 | €267,769 | €119,749 | €128,566 | ▲ 7.4% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 35 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | full format | 22-07-2026 | 2026-00324465 | NBB |
| 31-12-2024 | abbreviated format | 30-06-2025 | 2025-00219104 | |
| 31-12-2023 | abbreviated format | 17-07-2024 | 2024-00260132 | |
| 31-12-2022 | abbreviated format | 29-08-2023 | 2023-00432817 | |
| 31-12-2021 | abbreviated format | 20-06-2022 | 2022-20074408 | |
| 31-12-2020 | abbreviated format | 17-06-2021 | 2021-20800526 | |
| 31-12-2019 | abbreviated format | 19-06-2020 | 2020-18300337 | |
| 31-12-2018 | abbreviated format | 07-06-2019 | 2019-16700262 | |
| 31-12-2017 | abbreviated format | 15-06-2018 | 2018-19200200 | |
| 31-12-2016 | micro format | 13-06-2017 | 2017-16900406 |
Board & ownership
Directors
Board 3
Day-to-day management 2
Permanent representatives 1
Owners and capital
Owners
Mandate history
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| MCP TRADING |
|
| RUANT Justine |
|
| VERBIEST Ginette |
|
Network & group
RUFUS shares no director with another company.
Connections & network
3 current directorsThe network starts from the directors of RUFUS. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
27-11
Gazette deed
Reappointments: VERBIEST Ginette, RUANT Justine and MCP TRADINGPermanent representative: PYNAERT Marc · Purpose change · Amendment of the articles14 points ▸
- General meeting, 07-11-2023
- Other provision, “vrijstelling lezing verslag bestuursorgaan over voorwerpwijziging, eenstemmigheid” (deed in Dutch)
- Purpose change
- Director reappointment, VERBIEST Ginette (director (not named in the articles))
- Director reappointment, RUANT Justine (director (not named in the articles))
- Director reappointment, MCP TRADING (director (not named in the articles))
- Permanent representative, PYNAERT Marc
- Amendment of the articles, 29
- Amendment of the articles
- Power of attorney
- Board meeting, “herbenoeming huidige gedelegeerde bestuurders, unaniem goedgekeurd” (deed in Dutch)
- Director reappointment, MCP TRADING (managing director)
- The act holds 2 more points.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Codes under NACEBEL 2003
Invoicing and payment
Financial year and general meeting
Accounts at the NBBEnvironmental permits
Source: Omgevingsloket Vlaanderen.
Sites & property
Buildings and parcels at the addresses
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 38402D0552/00A000 | Flanders | 2,169 m² | 1 · 159 m² | 24.2 m · 7 |
| 35011B0180/00R079indicative | Flanders | 478 m² | 1 · 424 m² | 19.4 m · 6 |
| 38014E0384/00C000 | Flanders | 340 m² | 1 · 161 m² | 19.9 m · 6 |
1 of these parcels carries protected heritage. Expect extra rules on renovation or sale.