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Generated 11-08-2026
Active BE 0869.742.085Private limited company

RUIG

Pelikaanstraat 22 ·8620 Nieuwpoort, Belgium· 21 yrs active
Sector: Catering (56210)
Conclusion Checked

The computed 12-month bankruptcy probability of RUIG is 2.3% (moderate). The 2024 annual accounts show negative equity (€-353) and a net result of €30k. Equity is growing by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 31% of 5615 sector peers (fiscal year 2024). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.
Key figures
Equity €-353
Net result €30k
Better than sector 31%
Active 21 yrs
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health21Profitability0Solvency37Growth78Stability100
47 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 21
Profitability 0
Solvency 37
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
2.3% Moderate
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Multiple establishment units +Long track record −

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 2 signals
Long-established
Founded in 2004, 21 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
21 / 100 Critical
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 31-07-2025 with the NBB · fiscal year 2024 · micro
€-100k€-50k€0€50kOperating result 2020: €-420€-420Net result 2020: €-74k€-74kOperating result 2021: €750€750Net result 2021: €689€689Operating result 2022: €10k€10kNet result 2022: €10k€10kOperating result 2023: €17k€17kNet result 2023: €16k€16kOperating result 2024: €38k€38kNet result 2024: €30k€30k20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~12.4%/year over 7 fiscal years, indicative, assuming unchanged policy.
€-75k€-50k€-25k€0€25k2025: €-14k (€-26k - €-998)2026: €-7k (€-27k - €13k)2027: €-528 (€-28k - €27k)2018: €-53k2019: €-53k2020: €-54k2021: €-53k2022: €-43k2023: €-27k2024: €-3532018201920202021202220232024202520262027
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 2024 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -0.2% 19.3%
better than 31% of 5615 sector peers
Net result €30k €4k
better than 81% of 5603 sector peers
Equity €-353 €14k
better than 31% of 5626 sector peers
Gross operating margin €58k €52k
better than 53% of 5589 sector peers
Staff costs €0 €49k
higher than 5% of 4064 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€56k
+88.5% 18-24
Net profit
€30k
+85.3% 18-24
Cash flow
€48k
+69.6% 18-24
Total assets
€196k
+17.6% 18-24
Equity
€-353
+98.7% 18-24
Working capital
€-63k
- 18-24
Staff costs
€0
-100.0% 18-24
Income taxes
€7k
+3709.9% 18-24
Dividends
€3k
- 18-24
Debt
€196k
+1.4% 18-24
Debt ≤ 1y
€188k
+410.4% 18-24
Debt > 1y
€0
-100.0% 18-24
Current ratio
0.66
-72.5% 18-24
Quick ratio
0.66
-71.1% 18-24
Solvency
-0.2%
+98.9% 18-24
Debt / equity
-555.12
-7625.8% 18-24
ROE
-8459.0%
-14010.7% 18-24
ROA
15.3%
+57.5% 18-24
Interest coverage
92.02
+330.2% 18-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA€56k
Net profit€30k
Cash flow€48k
Staff costs€0
Income taxes€7k
Dividends€3k
Total assets€196k
Equity€-353
Debt€196k
of which ≤ 1y€188k
of which > 1y€0
Working capital€-63k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.66
Quick ratio0.66
Working capital ratio-32.3%
Solvency-0.2%
Debt / equity-555.12
Long-term debt ratio0.00
Interest coverage92.02
Gross margin-
Net margin-
ROA15.3%
ROE-8459.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€196k
Fixed assets 21/28€71k
Intangible fixed assets 21€9k
Tangible fixed assets 22/27€59k
Financial fixed assets 28€2k
Current assets 29/58€125k
Stocks & contracts in progress 3€1k
Amounts receivable within one year 40/41€52k
Cash & bank 54/58€72k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€196k
Equity 10/15€-353
Contributions / capital 10/11€20k
Accumulated profits (losses) 14€-20k
Amounts payable 17/49€196k
Amounts payable after one year 17€0
Amounts payable within one year 42/48€188k
Trade debts payable within one year 44€22k
Income statement
Gross operating margin 9900€58k
Operating result 9901€38k
Financial income 75€0
Financial charges 65€607
Result before taxes 9903€37k
Income taxes 67/77€7k
Net result for the period 9904€30k
Result to be appropriated 9905€30k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 6 directors
Directors derived from a single State Gazette act, under verification
All 4 current directors first appear in the same act (21313646). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
  • Kenny Carton
    Director
    State Gazette act 21313646 (02-03-2021)
    Current
    02-03-2021 → present
  • Kevin Carton
    Director
    State Gazette act 21313646 (02-03-2021)
    Current
    02-03-2021 → present
  • Marieleen Wullems
    Director
    State Gazette act 21313646 (02-03-2021)
    Current
    02-03-2021 → present
  • Rik Carton
    Director
    State Gazette act 21313646 (02-03-2021)
    Current
    02-03-2021 → present
Former directors (2)
  • Anne-Sophie Van Hee
    Director
    State Gazette act 21313646 (02-03-2021)
    Former
    - → 02-03-2021
  • Noël Van Hee
    Director
    State Gazette act 21313646 (02-03-2021)
    Former
    - → 02-03-2021
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Catering(56210)
Legal form Private limited company(610)
Incorporation29-10-2004
StatusActive
Postal code8620
Establishment units 2 locations
RUIG
Oostendestraat 18, 8620 NieuwpoortHotels en motels, met restaurant
since 20052.144.425.520
RUIG
Pelikaanstraat 22, 8620 NieuwpoortCatering van evenementen
since 20222.327.923.487
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.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
38016B0116/00K000 Flanders 328 m² 1 · 223 m² 13.8 m · 1 fl.
38016A0043/00W000 Flanders 306 m² 1 · 171 m² 10.7 m · 1 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 13 events

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

2025
31-12-2025
State Gazette act Registered-office change
v3.2
31-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
27-09-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
21-09-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
22-06-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
14-07-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
02-03-2021
State Gazette act Registered-office change
v3.2
2020
09-07-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
01-07-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
12-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
25-09-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
26-07-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2015
24-03-2015
State Gazette act Registered-office change
v3.2
Belgisch Staatsblad, acts 3 acts
Address history · 3
31-12-2025
v3.2
02-03-2021
v3.2
24-03-2015
v3.2
All acts · 3 updated 7 months ago
2025
31-12-2025 Registered office moved within Nieuwpoort Registered-office change
  • Oostendestraat 18, 8620 Nieuwpoort → Pelikaanstraat 22, 8620 Nieuwpoort
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Nieuwpoort",
        "region": null,
        "street": "Pelikaanstraat",
        "country": "BE",
        "postcode": "8620",
        "box_number": null,
        "street_number": "22"
      },
      "old_address": {
        "city": "Nieuwpoort",
        "region": null,
        "street": "Oostendestraat",
        "country": "BE",
        "postcode": "8620",
        "box_number": null,
        "street_number": "18"
      },
      "effective_date": "2025-12-18",
      "evidence_quote": "de maatschappelijke zetel wordt vanaf 18 december 2025 verplaatst van Oostendestraat 18, 8620 Nieuwpoort naar Pelikaanstraat 22, 8620 Nieuwpoort."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0869.742.085",
    "name_full": "RUIG",
    "legal_form": "BV"
  }
}
2021
02-03-2021 Registered office moved within Nieuwpoort Registered-office change
  • Kasteelstraat 5, 8620 Nieuwpoort → Oostendestraat 18, 8620 Nieuwpoort
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Nieuwpoort",
        "region": "Vlaams Gewest",
        "street": "Oostendestraat",
        "country": "BE",
        "postcode": "8620",
        "box_number": null,
        "street_number": "18"
      },
      "old_address": {
        "city": "Nieuwpoort",
        "region": null,
        "street": "Kasteelstraat",
        "country": "BE",
        "postcode": "8620",
        "box_number": null,
        "street_number": "5"
      },
      "effective_date": "2021-02-16",
      "evidence_quote": "De vergadering beslist de maatschappelijke zetel van de vennootschap te verplaatsen naar 8620 Nieuwpoort, Oostendestraat 18."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0869.742.085",
    "name_full": "TER ZILTE",
    "legal_form": "BVBA"
  }
}
2015
24-03-2015 Registered office moved within Nieuwpoort Registered-office change
  • Marktstraat 19, 8620 Nieuwpoort → Kasteelstraat 5, 8620 Nieuwpoort
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Nieuwpoort",
        "region": null,
        "street": "Kasteelstraat",
        "country": "BE",
        "postcode": "8620",
        "box_number": null,
        "street_number": "5"
      },
      "old_address": {
        "city": "Nieuwpoort",
        "region": null,
        "street": "Marktstraat",
        "country": "BE",
        "postcode": "8620",
        "box_number": null,
        "street_number": "19"
      },
      "effective_date": "2015-03-09",
      "evidence_quote": "De maatschappelijke zetel van de vennootschap wordt verplaatst naar de Kasteelstraat 5 8620 Nieuwpoort en dit met onmiddellijke ingang."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0869.742.085",
    "name_full": "TER ZILTE",
    "legal_form": "BVBA"
  }
}
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
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Company registry (CBE) Crossroads Bank
Activities
Catering van evenementen56210Activiteiten van eetgelegenheden met volledige bediening56111Activiteiten van mobiele eetgelegenheden56120
Primary activity highlighted.
Names & trade names
Legal nameNL RUIG
Registered office
Pelikaanstraat 22
8620 Nieuwpoort, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative