Turnover
≈ €6,600 estimated
The micro format states no turnover.
RUGAMBA & ERIC
Overview
Lifetime
1 annual account with figurespeak €1,061 (2025)
€1,061
peak €773 (2025)
€773
peak €773 (2025)
€773
€9,189
Board2 names since 2024
2 directorsBYIRINGIRO Eric and 1 other
Documentsfilings and deeds
28-09-202659 days late
2025micro format
First year with figures
Key points
from the 2025 annual accounts2025 accounts filed 59 days after the deadline
Checked score
51
Fair
Financially stronger than 25% of micro companies in wholesale trade (NACE 46)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.6% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
07-2025: 1.7%lowest value
08-2025: 1.8%▲ +0.1 percentage points vs 07-2025
09-2025: 1.8%● unchanged vs 08-2025
10-2025: 2.2%▲ +0.4 percentage points vs 09-2025
11-2025: 2.4%▲ +0.2 percentage points vs 10-2025
12-2025: 2.4%● unchanged vs 11-2025
01-2026: 2.7%▲ +0.3 percentage points vs 12-2025
02-2026: 2.7%● unchanged vs 01-2026
03-2026: 2.7%● unchanged vs 02-2026
04-2026: 2.7%● unchanged vs 03-2026
05-2026: 2.9%▲ +0.2 percentage points vs 04-2026
06-2026: 3.0%▲ +0.1 percentage points vs 05-2026
07-2026: 3.0%● unchanged vs 06-2026highest value
08-2026: 3.0%● unchanged vs 07-2026highest value
09-2026: 3.0%● unchanged vs 08-2026highest value
10-2026: 2.6%▼ -0.4 percentage points vs 09-2026
11-2026: 2.6%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Founded in 2024
Last filed accounts filed 59 days late; 1 of the last 3 accounts late
Equity €773 (7.8% of total assets)
lowers risk
Figures for financial year 2025 (filed on 02-10-2026)
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 46, micro). It does better than 22% of them on solvency, 11% on liquidity and 43% on profitability.
The bankruptcy probability was computed on 09-11-2026 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 moderate class on 30-06-2025, 2.4% 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).
Comparable companies, two years later
In July 2024, 2,157 companies had the same profile as RUGAMBA & ERIC has now. Each dot stands for 6 companies, two years later.
94.1%
were still trading
2.8%
stopped another way
3.0%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of RUGAMBA & ERIC itself: 2.6% within 12 months.
Test of the method
The method was tested on the 497,447 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 2,157 companies, not a prediction for RUGAMBA & ERIC. 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.
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 13805 sector peers (2025).
NBB · sector comparisonPosition among 13805 sector peers
Solvency
better than 25%
← weakest
strongest →
raises risk · 2025 accounts filed 59 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-09-2026, 59 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
59 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- BYIRINGIRO Eric 60 sharesdeed of 10-06-2024
- RUGAMBA Vedaste 40 sharesdeed of 10-06-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1010095246
Incorporation
Founding capital of €4,000 · Founders: BYIRINGIRO Eric (comparant) and RUGAMBA Vedaste (comparant) · Appointments: BYIRINGIRO Eric (director) and RUGAMBA Vedaste (director) · Founder: BYIRINGIRO Eric (comparant) · published on 10-06-2024 · Gazette deed
First establishment
RERIC, Gendebienstraat 20, Schaerbeek
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| RUGAMBA & ERIC Schaerbeek | €9,961 | €1,061 | 7.8% | - |
| GAMBIER Uccle | €9,957 | -€3,802 | 75.8% | - |
| MUTA ENTERPRISE NETWORK Schaerbeek | €6,977 | -€741 | -163.4% | - |
| Sporades Belgium Ixelles | €6,609 | -€16,974 | 39.1% | - |
| Sport Innovation Molenbeek-Saint-Jean | €10,265 | €1,409 | 18.0% | - |
| ZANCEN Saint-Josse-ten-Noode | €6,056 | -€21,865 | -693.8% | - |
| PDRCOM Kraainem | €10,354 | €281 | 1.7% | - |
These companies have the same main activity as RUGAMBA & ERIC: agents in non-specialised wholesale trade (NACE 46190). They are comparable in size and age: total assets between €6,060 and €10,400, founded between 2023 and 2025.
Official details
Source: KBO- Status
- Active since 06-06-2024Normal situation
- Activity
- Agents in non-specialised wholesale tradeNACE 46190
- Establishment unit
- 2.363.202.1891030 Schaerbeek, since 06-06-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 07-04-2026
Insights on RUGAMBA & ERIC
The computed 12-month bankruptcy probability of RUGAMBA & ERIC is 2.6% (moderate). The 2025 annual accounts show equity of €773 and a net result of €773.
Its solvency ranks better than 25% of 13,805 sector peers (NACE 46, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 28-09-2026, 59 days late€1,061
€1,061
€773
€773
7.8%
1.08
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €6,600. Estimated: probably between €4,000 and €14,000.
Balance sheet
balance sheet total €9,961 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
7.8%
Higher than 25% of 13,805 companies in 2025.
1.08
Higher than 32% of 13,186 companies in 2025.
7.8%
Higher than 63% of 13,365 companies in 2025.
RUGAMBA & ERIC
Middle half of the sector
80% of the sector
Micro accounts in wholesale trade (NACE 46)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
9,961 | |
29/58 |
9,961 | |
3 |
4,463 | |
30/36 |
4,463 | |
40/41 |
4,711 | |
40 |
4,379 | |
41 |
332 | |
54/58 |
788 | |
| Balance sheet: equity and liabilities | ||
10/49 |
9,961 | |
10/15 |
773 | |
14 |
773 | |
17/49 |
9,189 | |
42/48 |
9,189 | |
45 |
395 | |
450/3 |
395 | |
47/48 |
8,794 | |
| Income statement | ||
9900 |
1,061 | |
9901 |
1,061 | |
65/66B |
141 | |
65 |
141 | |
9903 |
921 | |
67/77 |
148 | |
9904 |
773 | |
9905 |
773 | |
| Appropriation of the result | ||
9906 |
773 | |
| Document | ||
Source: Annual accounts 2025 at the NBB, filed on 28-09-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 59 days after the deadline. Filed on 28 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00542736.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 28-09-2026 | 2026-00542736 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 773 | ||
| 7.8% | ||
| 1.08 | ||
| 0.60 | ||
| 7.8% |
The equity ratios are withheld because equity of €773 is too small for a meaningful ratio.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on RUGAMBA & ERIC
Debt's share of the balance-sheet total is 92.2%.
Board & ownership
Board
2 directors, since incorporationDirector (not named in the articles)
since 06-06-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 28-09-2026
Director (not named in the articles)
since 06-06-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 28-09-2026
Mandates through the years
2 names, the dashed line is todayBYIRINGIRO Eric
Director (not named in the articles)
Director (not named in the articles)
RUGAMBA Vedaste
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- BYIRINGIRO Eric
- Director (not named in the articles), from 06-06-2024 to date
- RUGAMBA Vedaste
- Director (not named in the articles), from 06-06-2024 to date
Control
Capital
- Contribution
- €4,000
- Shares
- 100
- Contribution per share
- €40
- Equity per share
- €7.73 in 2025
- Source
- deed of 10-06-2024
Articles of association
deed of 10-06-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Friday of June
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 10-06-2024 ↗
- BYIRINGIRO Eric 60 shares (60%) · €2,400 in cash
- RUGAMBA Vedaste 40 shares (40%) · €1,600 in cash
Network & group
No group
RUGAMBA & ERIC has no parent and no holdings in its annual accounts. RUGAMBA & ERIC shares no director with another company.
At the same address
Gendebienstraat 20, 1030 Schaerbeek · 2 other companies| SEM BUILDING
registered office since 08-03-2011 · founded in 2011 |
total assets €86,604 (2025) 0834.350.349 |
| BYERI Nursing Care
registered office since 28-09-2015 · founded in 2015 |
total assets €24,972 (2025) 0638.908.712 |
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 59 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:1010095246
2024
IncorporationFounding capital of €4,000 · Founders: BYIRINGIRO Eric (comparant) and RUGAMBA Vedaste (comparant) · Appointments: BYIRINGIRO Eric (director) and RUGAMBA Vedaste (director) · Founder: BYIRINGIRO Eric (comparant) · published on 10-06-20247 points ▸
- Founder, BYIRINGIRO Eric (comparant)
- Founder, RUGAMBA Vedaste (comparant)
- Founding capital, €4,000, 100 shares
- 100 shares
- Registered office clause, Rue Gendebien 20, boîte ET01, 1030 Schaerbeek
- Director appointment, BYIRINGIRO Eric (director (not named in the articles))
- Director appointment, RUGAMBA Vedaste (director (not named in the articles))
- The deed holds 2 more points.
First establishment RERIC, Gendebienstraat 20, Schaerbeek
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1010.095.246
- VAT number
- BE 1010.095.246
- Peppol ID
- 0208:1010095246
- Other Peppol ID
- 9925:BE1010095246
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 06-06-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Friday of Junedeed of 10-06-2024 (in French)
- Peppol
- Reachable since 07-04-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- RUGAMBA & ERIC in French
- Name in the Peppol Directory
- RUGAMBA ET ERIC
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 10-06-2024 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région de Bruxelles-Capitale”deed of 10-06-2024 (in French)
Activities
NACEBEL 202546190
Agents in non-specialised wholesale trade main activity
Codes under NACEBEL 2008
46190
Wholesale trade main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Le commerce en gros et en détail,l’achat et la vente,l’import et l’export de tous produits non réglementés; Achat,vente,import,export,en…”deed of 10-06-2024 (in French)
2 activities
- Le commerce en gros et en détail,l’achat et la vente,l’import et l’export de tous produits non réglementés ;
- Achat,vente,import,export,en gros et au détail,incluant le e-commerce,de tous articles,produits et marchandises,alimentaires et non alimentaires.
Registered office and establishments
1 establishment| Establishment | Since | Unit number | FASFC approval |
|---|---|---|---|
| RERIC registered office Gendebienstraat 20, 1030 Schaerbeek | 06-06-2024 | 2.363.202.189 | Food wholesaler |
Buildings and parcels at the address
- Ground area
- 147 m²
- Buildings
- 101 m²
- Volume, LiDAR
- 1,430 m³
- Tallest building
- 19.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21909E0031/00A009 | 147 m² | 1 · 101 m² | 19.0 m · 5 |
Recognitions
Food safety, FASFC
1 siteSchaerbeekunit number 2.363.202.189