Rute98

Active

Private limited companyfounded 20215 yrs activeClementinastraat 32, 2018 Antwerpen, BelgiumKBO/BCE: BE 0770.697.761

Summary

Rute98 has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117,534 and a net result of €31,817. Equity is growing by ~24.9% per year across the filed fiscal years. Its solvency ranks better than 77% of 569 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

Rute98ActiveChecked score 96/100

Risk analysis Report Compare

Activity

Visual arts creation

NACE 90120NACE 90032

1 site

Size

€163,953total assets 2025

Equity: €117,534
Profit: €31,817

Turnover not published (abridged schema)

Financial health

96 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.1%

Structure

Accounts filed 41 d late0 of 2 deeds read

Why 96- Latest accounts 41 days late; 3 of the last 3 late+ Sector Arts creation and performing arts activities (NACE 90)+ Liquidity: current ratio 3.30, cash €63,012+ Equity €117,534 (71.7% of total assets)Show the evidence

Checked score

Score 2025

96 / 100

Excellent

Probability in this band: under 0.55%

Better than 70% of its sector peers (NACE 90, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 97-3

equity 71.7% of total assets

Liquidity 87-6

short-term debt 28.3% · cash 38.4%

Profitability 93-6

return on assets 19.4%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (3,386 companies)

Last 8 months 03-2026: 0.1% 04-2026: 0.1%▲ +1.3% vs 03-2026 05-2026: 0.1%▲ +11.1% vs 04-2026 06-2026: 0.1%▲ +3.3% vs 05-2026 07-2026: 0.1%▲ +9.7% vs 06-2026 08-2026: 0.2%▲ +101% vs 07-2026 09-2026: 0.3%▲ +32.7% vs 08-2026highest value 10-2026: 0.1%▼ -73.9% vs 09-2026lowest value

Sector Arts creation and performing arts activities (NACE 90) lowers the probability
Liquidity: current ratio 3.30, cash €63,012 lowers the probability
Latest accounts 41 days late; 3 of the last 3 late raises the probability
Equity €117,534 (71.7% of total assets) lowers the probability

Credit up to €11,000 at 30 days acceptable

Liquidity ample (current ratio 3.3 against 6.16 in 2024; short-term debt: 28.3% and cash: 38.4% of total assets), and 28.3% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 90, micro). Better than this share of them on solvency 72%, liquidity 76%, profitability 78%, growth against the median 55%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Arts creation and performing arts activities (NACE 90)

In the bankruptcy model this factor lowers the probability.

KBO

Liquidity: current ratio 3.30, cash €63,012

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts 41 days late; 3 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Equity €117,534 (71.7% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-09-2026, 41 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 5 filings

Deviation from the deadline

2025

41 d late

2024

54 d late

2023

70 d late

2022

79 d late

2021

12 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 46 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 38% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 23 September (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage