RUSKI
ActiveRUSKI has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €444k and a net result of €66k. Equity is growing by ~39.7% per year across the filed fiscal years. Its solvency ranks better than 36% of 10206 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
61
/ 100
Healthy▲ +25 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+59
Solvency35▲+10
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.88 against 0.87 in 2024), and 74.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
25.1%
Return on assets
3.7%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
on the day
2021
23 d late
2020
31 d late
2019
43 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€444k▲ 3.8%
2024 · €427k
2018: €-283k
2019: €-140k
2020: €90k
2021: €203k
2022: €254k
2023: €414k
2024: €427k
2018 → 2025
Total assets
€1.77M▼ 12.3%
2024 · €2.02M
2018: €1.93M
2019: €2.04M
2020: €2.06M
2021: €1.89M
2022: €1.83M
2023: €1.90M
2024: €2.02M
2018 → 2025
Net result
€66k▲ 377%
2024 · €14k
2018: €-198k
2019: €144k
2020: €230k
2021: €112k
2022: €101k
2023: €210k
2024: €14k
2018 → 2025
Working capital
€-154k▲ 18.6%
2024 · €-189k
2018: €-782k
2019: €-466k
2020: €-234k
2021: €-124k
2022: €-131k
2023: €-47k
2024: €-189k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€203k-€254k▲ 25.4%€414k▲ 62.8%€427k▲ 3.3%€444k▲ 3.8%
Operating result€176k-€194k▲ 10.3%€266k▲ 37.1%€26k▼ 90.2%€84k▲ 223%
Net result€112k-€101k▼ 9.8%€210k▲ 107%€14k▼ 93.4%€66k▲ 377%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 223% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.77M
Fixed assets
€662k▼ 10.8%
Current assets
€1.11M▼ 13.2%
Equity and liabilities €1.77M
Equity
€444k▲ 3.8%
Debt
€1.32M▼ 16.7%
The debt ratio falls from 78.8% to 74.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€259k▲
2024 · €182k
Cash flow
€241k▲
2024 · €170k
Solvency
25.1%▲
2024 · 21.2%
Current ratio
0.88▲
2024 · 0.87
Quick ratio
0.51▼
2024 · 0.54
Debt / equity
2.99▼
2024 · 3.72
ROE
14.9%▲
2024 · 3.2%
ROA
3.7%▲
2024 · 0.7%
Interest coverage
16.93▲
2024 · 13.39
Debt
€1.32M▼
2024 · €1.59M
Debt ≤ 1 year
€1.26M▼
2024 · €1.46M
Debt > 1 year
€7k▼
2024 · €88k
Income taxes
€7k▲
2024 · €4k
Staff costs
€814k▼
2024 · €862k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.02M€1.77M▼
Fixed assets21/28€743k€662k▼
Tangible fixed assets22/27€743k€662k▼
Plant, machinery and equipment23€729k€660k▼
Furniture and vehicles24-€2k
Leasing and similar rights25€13k€0▼
Current assets29/58€1.27M€1.11M▼
Stocks and contracts in progress3€486k€459k▼
Stocks30/36€486k€459k▼
Amounts receivable within one year40/41€503k€538k▲
Trade receivables40€59k€39k▼
Other amounts receivable41€444k€499k▲
Cash at bank and in hand54/58€277k€103k▼
Deferred charges and accrued income490/1€8k€4k▼
Equity and liabilities
Total equity and liabilities10/49€2.02M€1.77M▼
Equity10/15€427k€444k▲
Contributions10/11€120k€120k=
Reserves13€307k€324k▲
Distributable reserves133€307k€324k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.59M€1.32M▼
Amounts payable after more than one year17€88k€7k▼
Financial debts170/4€88k€7k▼
Amounts payable within one year42/48€1.46M€1.26M▼
Current portion of amounts payable after more than one year42€162k€102k▼
Financial debts43€35k€72k▲
Credit institutions430/8€35k€72k▲
Trade debts44€1.12M€936k▼
Suppliers440/4€1.12M€936k▼
Taxes, remuneration and social security45€144k€100k▼
Taxes450/3€14k€17k▲
Remuneration and social security454/9€130k€82k▼
Other amounts payable47/48€0€50k▲
Accrued charges and deferred income492/3€38k€58k▲
Income statement
Code20242025
Remuneration, social security and pensions62€862k€814k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€156k€175k▲
Other operating charges640/8€13k€10k▼
Non-recurring operating charges66A€0€1k▲
Gross operating margin9900€1.06M€1.08M▲
Operating profit (loss)9901€26k€84k▲
Financial income75/76B€6k€5k▼
Recurring financial income75€6k€5k▼
Financial charges65/66B€14k€15k▲
Recurring financial charges65€14k€15k▲
Profit (loss) for the period before taxes9903€18k€73k▲
Income taxes67/77€4k€7k▲
Profit (loss) for the period9904€14k€66k▲
Profit (loss) for the period to be appropriated9905€14k€66k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€66k▲
Transfer to equity691/2€14k€16k▲
To other reserves6921€14k€16k▲
Profit to be distributed694/7€0€50k▲
Directors or managers695€0€50k▲
Social balance
Average headcount (FTE)908720.919.7▼
The notes to these accounts (24 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 23 days late
2021
31-12
Financial
Equity above €200kEq €203k ▲125%
3 profitable years in a row build equity to €203k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €230k ▲60%
Net result €230k, the highest in the series.
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €144k
Net result €144k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-07
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.
Directors · office · real estate
Directors
2 directors, no change since 2023
Veerle Salden
CurrentSole director · since 14-12-2023
14-12-2023
Veerle Salden: Appointed as Sole director
14-12-2023
Doga NV: Resigned as Director
01-01-2022
Veerle Salden: Resigned as Director
01-01-2022
Doga NV: Appointed as Director
Location & real-estate footprint
Registered office, Halle · 1 establishment unit since 2008
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Demaeghtlaan (Auguste) 1211500 Halle1 establishment unit
Demaeghtlaan (Auguste) 121, 1500 Halle
since 20082.170.858.812
Similar companies · same sector, comparable size
DAD FRERES
BE 0875.280.983
Verlaine · Eq €444k
D BRAIVES
BE 0860.620.523
Braives · Eq €443k
KUYPERS LINKEROEVER
BE 0836.861.758
Wuustwezel · Eq €443k
C.V.S. BELGIUM
BE 0550.619.906
Schaarbeek · Eq €444k
Proxy Linkeroever
BE 0554.849.007
Antwerpen · Eq €443k
Of 10,412 companies in sector 47110 we hold annual accounts for 5,787. 3,277 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-05-2008
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
47114Supermarkets
47279Other retail sale of food
47299Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filings
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.