RUSTHUIS SINT JOZEF
ActiveRUSTHUIS SINT JOZEF has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €857k and a net result of €210k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 21% of 533 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▼-36
Solvency37▲+1
Growth49▼-29
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 1.16 in 2024; short-term debt: 79.3% and cash: 7.9% of total assets), and 87.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 87
Relative position
BE, all sectors
reference
Sector 87
lower
← 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
12.2%
Return on assets
3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 533 sector peers (2025).
NBB · sector comparisonPosition among 533 sector peers
Solvency
better than 21%
← weakest
strongest →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
3 d early
2023
1 d early
2022
28 d late
2021
33 d early
2020
23 d late
2019
27 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€11.90M▲ 2.7%
2024 · €11.59M
2024: €11.59M
2024 → 2025
EBIT margin
2.0%▼ 6.2pp
2024 · 8.2%
2024: 8.2%
2024 → 2025
Net result
€210k▼ 78.1%
2024 · €958k
2018: €762k
2019: €89k
2020: €472k
2021: €135k
2022: €163k
2023: €993k
2024: €958k
2018 → 2025
Working capital
€926k▼ 5.2%
2024 · €976k
2018: €1.34M
2019: €1.09M
2020: €1.38M
2021: €1.37M
2022: €1.52M
2023: €1.13M
2024: €976k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€11.59M€11.90M▲ 2.7%
Equity€734k-€747k▲ 1.8%€840k▲ 12.4%€847k▲ 0.9%€857k▲ 1.1%
Operating result€100k-€420k▲ 319%€919k▲ 119%€946k▲ 3.0%€233k▼ 75.3%
Net result€135k-€163k▲ 21.3%€993k▲ 508%€958k▼ 3.5%€210k▼ 78.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 75% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.04M
Fixed assets
€533k▼ 5.9%
Current assets
€6.51M▼ 9.0%
Equity and liabilities €7.04M
Equity
€857k▲ 1.1%
Debt
€6.19M▼ 10.0%
The debt ratio falls from 89.0% to 87.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€324k▼
2024 · €1.03M
Cash flow
€301k▼
2024 · €1.04M
Solvency
12.2%▲
2024 · 11.0%
Current ratio
1.17▲
2024 · 1.16
Quick ratio
1.17▲
2024 · 1.16
Debt / equity
7.22▼
2024 · 8.11
ROE
24.5%▼
2024 · 113.0%
ROA
3.0%▼
2024 · 12.4%
Interest coverage
2.46▼
2024 · 14.28
Debt
€6.19M▼
2024 · €6.87M
Debt ≤ 1 year
€5.58M▼
2024 · €6.18M
Debt > 1 year
€107k▼
2024 · €186k
Income taxes
€11k▼
2024 · €43k
Staff costs
€8.12M▲
2024 · €7.72M
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€7.72M€7.04M▼
Fixed assets21/28€566k€533k▼
Tangible fixed assets22/27€566k€533k▼
Land and buildings22-€5k
Plant, machinery and equipment23€503k€463k▼
Furniture and vehicles24€63k€64k▲
Current assets29/58€7.15M€6.51M▼
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€5.95M€4.97M▼
Trade receivables40€763k€746k▼
Other amounts receivable41€5.18M€4.22M▼
Cash at bank and in hand54/58€429k€558k▲
Deferred charges and accrued income490/1€778k€984k▲
Equity and liabilities
Total equity and liabilities10/49€7.72M€7.04M▼
Equity10/15€847k€857k▲
Contributions10/11€19k€19k=
Reserves13€829k€839k▲
Distributable reserves133€829k€839k▲
Amounts payable17/49€6.87M€6.19M▼
Amounts payable after more than one year17€186k€107k▼
Financial debts170/4€186k€107k▼
Credit institutions173€186k€107k▼
Amounts payable within one year42/48€6.18M€5.58M▼
Current portion of amounts payable after more than one year42€83k€79k▼
Financial debts43€302k€115k▼
Credit institutions430/8€302k€115k▼
Trade debts44€199k€227k▲
Suppliers440/4€199k€227k▲
Taxes, remuneration and social security45€3.68M€1.84M▼
Taxes450/3€1.80M€199k▼
Remuneration and social security454/9€1.88M€1.64M▼
Other amounts payable47/48€1.91M€3.32M▲
Accrued charges and deferred income492/3€509k€494k▼
Income statement
Code20242025
Operating income70/76A€12.92M€12.73M▼
Turnover70€11.59M€11.90M▲
Other operating income74€1.33M€832k▼
Operating charges60/66A€11.98M€12.50M▲
Goods for resale, raw materials and consumables60€1.36M€1.34M▼
Purchases600/8€1.36M€1.34M▼
Services and other goods61€2.72M€2.93M▲
Remuneration, social security and pensions62€7.72M€8.12M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€83k€91k▲
Other operating charges640/8€94k€12k▼
Non-recurring operating charges66A€0-
Operating profit (loss)9901€946k€233k▼
Financial income75/76B€127k€121k▼
Recurring financial income75€127k€121k▼
Income from current assets751€127k€121k▼
Other financial income752/9€146€0▼
Financial charges65/66B€72k€134k▲
Recurring financial charges65€72k€134k▲
Debt charges650€72k€132k▲
Other financial charges652/9€81€2k▲
Profit (loss) for the period before taxes9903€1.00M€221k▼
Income taxes67/77€43k€11k▼
Taxes670/3€43k€11k▼
Profit (loss) for the period9904€958k€210k▼
Profit (loss) for the period to be appropriated9905€958k€210k▼
Appropriation of the result
Profit (loss) to be appropriated9906€958k€210k▼
Transfer to equity691/2€8k€10k▲
To other reserves6921€8k€10k▲
Profit to be distributed694/7€950k€200k▼
Directors or managers695€950k€200k▼
Social balance
Average headcount (FTE)9087124.4128.8▲
The notes to these accounts (54 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €993k ▲508%
Net result €993k, the highest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 28 days late
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 23 days late
2020
31-12
Financial
Equity above €500kEq €599k ▲67.8%
3 profitable years in a row build equity to €599k.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 27 days late
2019
31-12
Financial
Weakest financial yearnet €89k ▼88.4%
Net result drops to €89k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 57 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ninove · 2 establishment units since 1994
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.
Geraardsbergsesteenweg(Ned) 3039400 NinoveGround area
1.3 ha
Building footprint
2,729 m²
Volume, LiDAR
10,991 m³
2 parcels, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
WZC WILGENDRIES
since 19942.212.267.617
Wilgendries Voorde
since 20152.252.182.523
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41073B0300/00T000 ProtectedTownscape or village viewParochiekerk Sint-Pieters-Banden, pastorie en kasteel van Voorde: omgevingSource ↗ |
Flanders | 9,911 m² | 1 · 2,729 m² | 9.1 m · 2 fl. |
| 41004B0565/00A000 | Flanders | 3,125 m² | - | - |
Linked by address, not proof of ownership
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2025 · 22 entries · 7,009,554 EUR awarded · 6,992,172 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 4 | 6,479,274 EUR | 6,479,274 EUR |
| 2024 | 7 | 111,130 EUR | 141,654 EUR |
| 2023 | 7 | 237,929 EUR | 198,313 EUR |
| 2022 | 4 | 181,221 EUR | 172,931 EUR |
Schemes
Erkenning en financiering/subsidiëring van woonzorgcentra
Subsidie jongdementie woonzorgcentra
Subsidie aan instellingen in het beleidsdomein Welzijn, Volksgezondheid en Gezin voor de tussenkomst in de energiekost in 2023
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Vlaams opleidingsverlof (VOV)
Show 6 more
Relance budget 45 - Inzetten op kwaliteit en 'good governance' van WZC & vooruitschuif nieuw beleid
Energetische investeringen in zorginfrastructuur
Subsidie voor klimaat
Premie kwalificerend werkplekleren
Stagebonus (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
2 sitesNinove2.212.267.617
Ninove2.252.182.523
Care and welfare
3 servicesWilgendries Aspelare
Wilgendries Voorde
Wilgendries Voorde
Dual-learning approval
1 live approval · 2 endedVerzorgende/Zorgkundige duaal (so)
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Of 601 companies in sector 87301 we hold annual accounts for 493. 359 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-06-1994
Fiscal year end31-12
Activities, NACEBEL
85315
87301Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.