RUTH DANIELLE
ActiveSummary
RUTH DANIELLE has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101k and a net result of €38k. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 36% of 16618 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability90▲+13
Solvency71▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.85 against 2.3 in 2024; short-term debt: 13.2% and cash: 33.1% of total assets), but 54% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
46%
Return on assets
17.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 9 filingsDeviation from the deadline
2025
19 d late
2024
28 d late
2023
2 d late
2022
17 d late
2021
26 d early
2020
30 d late
2019
10 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€101k▲ 38.2%
2024 · €73k
2018: €38klowest in 8 years
2019: €40k▲ +6.1% vs 2018
2020: €49k▲ +21.9% vs 2019
2021: €59k▲ +19.9% vs 2020
2022: €57k▼ -3.6% vs 2021
2023: €65k▲ +13.9% vs 2022
2024: €73k▲ +12.9% vs 2023
2025: €101k▲ +38.2% vs 2024highest in 8 years
2018 → 2025
Total assets
€220k▲ 22.6%
2024 · €179k
2018: €62klowest in 8 years
2019: €67k▲ +8.7% vs 2018
2020: €100k▲ +48.8% vs 2019
2021: €90k▼ -10.3% vs 2020
2022: €141k▲ +57.5% vs 2021
2023: €184k▲ +30.5% vs 2022
2024: €179k▼ -2.7% vs 2023
2025: €220k▲ +22.6% vs 2024highest in 8 years
2018 → 2025
Net result
€38k▲ 227%
2024 · €11k
2018: €7k
2019: €2k▼ -65.5% vs 2018lowest in 8 years
2020: €10k▲ +318% vs 2019
2021: €16k▲ +62.7% vs 2020
2022: €32k▲ +104% vs 2021
2023: €19k▼ -40.8% vs 2022
2024: €11k▼ -39.5% vs 2023
2025: €38k▲ +227% vs 2024highest in 8 years
2018 → 2025
Working capital
€54k▲ 150%
2024 · €21k
2018: €40k
2019: €41k▲ +4.6% vs 2018
2020: €42k▲ +0.5% vs 2019
2021: €37k▼ -10.5% vs 2020
2022: €46k▲ +23.3% vs 2021
2023: €41k▼ -11.4% vs 2022
2024: €21k▼ -47.5% vs 2023lowest in 8 years
2025: €54k▲ +150% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€57k▼ 3.6%€65k▲ 13.9%€73k▲ 12.9%€101k▲ 38.2%
2021: €59k
2022: €57k▼ -3.6% vs 2021lowest in 5 years
2023: €65k▲ +13.9% vs 2022
2024: €73k▲ +12.9% vs 2023
2025: €101k▲ +38.2% vs 2024highest in 5 years
Operating result€25k-€38k▲ 48.0%€30k▼ 20.5%€20k▼ 31.6%€59k▲ 190%
2021: €25k
2022: €38k▲ +48.0% vs 2021
2023: €30k▼ -20.5% vs 2022
2024: €20k▼ -31.6% vs 2023lowest in 5 years
2025: €59k▲ +190% vs 2024highest in 5 years
Net result€16k-€32k▲ 104%€19k▼ 40.8%€11k▼ 39.5%€38k▲ 227%
2021: €16k
2022: €32k▲ +104% vs 2021
2023: €19k▼ -40.8% vs 2022
2024: €11k▼ -39.5% vs 2023lowest in 5 years
2025: €38k▲ +227% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 190% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €220k
Fixed assets
€137k ▼ 2.9%
Current assets
€83k ▲ 118%
Equity and liabilities €220k
Equity
€101k ▲ 38.2%
Debt
€119k ▲ 11.9%
Debt's share of the balance-sheet total falls from 59.1% to 54.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€70k▲
2024 · €29k
Cash flow
€49k▲
2024 · €20k
Current ratio
2.85▲
2024 · 2.30
Debt to equity
1.17▼
2024 · 1.45
ROE
37.1%▲
2024 · 15.7%
ROA
17.1%▲
2024 · 6.4%
Interest coverage
25.02▲
2024 · 9.66
Debt ≤ 1 year
€29k▲
2024 · €16k
Debt > 1 year
€79k▼
2024 · €87k
Income taxes
€19k▲
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€179k€220k▲
Fixed assets21/28€141k€137k▼
Tangible fixed assets22/27€141k€137k▼
Land and buildings22€132k€125k▼
Plant, machinery and equipment23€10k€13k▲
Furniture and vehicles24€0€0=
Financial fixed assets28€25€25=
Current assets29/58€38k€83k▲
Amounts receivable within one year40/41€14k€1k▼
Trade receivables40€3k€1k▼
Other amounts receivable41€11k€0▼
Cash at bank and in hand54/58€11k€73k▲
Deferred charges and accrued income490/1€13k€9k▼
Equity and liabilities
Total equity and liabilities10/49€179k€220k▲
Equity10/15€73k€101k▲
Contributions10/11€20k€20k=
Reserves13€52k€81k▲
Distributable reserves133€52k€81k▲
Profit (loss) carried forward14€1k€536▼
Amounts payable17/49€106k€119k▲
Amounts payable after more than one year17€87k€79k▼
Financial debts170/4€87k€79k▼
Amounts payable within one year42/48€16k€29k▲
Current portion of amounts payable after more than one year42€11k€10k▼
Trade debts44€2k€440▼
Suppliers440/4€2k€440▼
Taxes, remuneration and social security45€0€5k▲
Taxes450/3€0€5k▲
Remuneration and social security454/9€0€0=
Other amounts payable47/48€3k€14k▲
Accrued charges and deferred income492/3€2k€10k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€11k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€31k€72k▲
Operating profit (loss)9901€20k€59k▲
Financial income75/76B€245-
Recurring financial income75€245-
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Non-recurring financial charges66B€100€100=
Profit (loss) for the period before taxes9903€18k€56k▲
Income taxes67/77€6k€19k▲
Profit (loss) for the period9904€11k€38k▲
Profit (loss) for the period to be appropriated9905€11k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€39k▲
Profit (loss) brought forward from the previous period14P€20€1k▲
Transfer from equity791/2€4k€9k▲
Transfer to equity691/2€11k€38k▲
To other reserves6921€11k€38k▲
Profit to be distributed694/7€3k€10k▲
Return on contributions (dividend)694€3k€10k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12k | €10k | €5k | €9k | €11k | ▲ 24.3% |
| Other operating charges640/8 | €2k | €1k | €934 | €1k | €2k | ▲ 32.5% |
| Gross operating margin9900 | €40k | €49k | €36k | €31k | €72k | ▲ 136% |
| Operating profit (loss)9901 | €25k | €38k | €30k | €20k | €59k | ▲ 190% |
| Financial income75/76B | €0 | €8k | €1 | €245 | - | - |
| Recurring financial income75 | €0 | €3 | €1 | €245 | - | - |
| Non-recurring financial income76B | - | €8k | - | - | - | - |
| Financial charges65/66B | €653 | €2k | €3k | €3k | €3k | ▼ 7.3% |
| Recurring financial charges65 | €653 | €2k | €3k | €3k | €3k | ▼ 7.5% |
| Non-recurring financial charges66B | - | €50 | €100 | €100 | €100 | = |
| Profit (loss) for the period before taxes9903 | €25k | €43k | €26k | €18k | €56k | ▲ 221% |
| Income taxes67/77 | €9k | €11k | €8k | €6k | €19k | ▲ 211% |
| Profit (loss) for the period9904 | €16k | €32k | €19k | €11k | €38k | ▲ 227% |
| Profit (loss) for the period to be appropriated9905 | €16k | €32k | €19k | €11k | €38k | ▲ 227% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €90k | €141k | €184k | €179k | €220k | ▲ 22.6% |
| Fixed assets21/28 | €24k | €53k | €122k | €141k | €137k | ▼ 2.9% |
| Tangible fixed assets22/27 | €24k | €53k | €121k | €141k | €137k | ▼ 2.9% |
| Land and buildings22 | €12k | €51k | €121k | €132k | €125k | ▼ 5.1% |
| Plant, machinery and equipment23 | €240 | €120 | €0 | €10k | €13k | ▲ 26.5% |
| Furniture and vehicles24 | €12k | €2k | €165 | €0 | €0 | - |
| Financial fixed assets28 | €25 | €25 | €25 | €25 | €25 | = |
| Current assets29/58 | €65k | €88k | €63k | €38k | €83k | ▲ 118% |
| Amounts receivable within one year40/41 | €500 | €4k | €6k | €14k | €1k | ▼ 92.0% |
| Trade receivables40 | €500 | €0 | €3k | €3k | €1k | ▼ 63.1% |
| Other amounts receivable41 | - | €4k | €2k | €11k | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €58k | €75k | €40k | €11k | €73k | ▲ 578% |
| Deferred charges and accrued income490/1 | €7k | €10k | €17k | €13k | €9k | ▼ 34.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €90k | €141k | €184k | €179k | €220k | ▲ 22.6% |
| Equity10/15 | €59k | €57k | €65k | €73k | €101k | ▲ 38.2% |
| Contributions10/11 | €20k | €20k | €20k | €20k | €20k | = |
| Reserves13 | €39k | €37k | €45k | €52k | €81k | ▲ 55.2% |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €0 | - | - | - |
| Distributable reserves133 | €37k | €35k | €45k | €52k | €81k | ▲ 55.2% |
| Profit (loss) carried forward14 | €27 | €24 | €20 | €1k | €536 | ▼ 57.6% |
| Amounts payable17/49 | €30k | €84k | €119k | €106k | €119k | ▲ 11.9% |
| Amounts payable after more than one year17 | €2k | €38k | €95k | €87k | €79k | ▼ 8.9% |
| Financial debts170/4 | €2k | €38k | €95k | €87k | €79k | ▼ 8.9% |
| Amounts payable within one year42/48 | €28k | €42k | €22k | €16k | €29k | ▲ 76.2% |
| Current portion of amounts payable after more than one year42 | €13k | €4k | €7k | €11k | €10k | ▼ 7.5% |
| Trade debts44 | €1k | €875 | €304 | €2k | €440 | ▼ 81.6% |
| Suppliers440/4 | €1k | €875 | €304 | €2k | €440 | ▼ 81.6% |
| Taxes, remuneration and social security45 | €2k | €0 | €500 | €0 | €5k | - |
| Taxes450/3 | €2k | €0 | €0 | €0 | €5k | - |
| Remuneration and social security454/9 | €0 | €0 | €500 | €0 | €0 | - |
| Other amounts payable47/48 | €12k | €37k | €14k | €3k | €14k | ▲ 333% |
| Accrued charges and deferred income492/3 | €0 | €5k | €3k | €2k | €10k | ▲ 315% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16k | €32k | €19k | €11k | €38k | ▲ 227% |
| + Depreciation and write-downs630 | €12k | €10k | €5k | €9k | €11k | ▲ 24.3% |
| Operating cash flow (approximation) | €28k | €42k | €24k | €20k | €49k | ▲ 138% |
| Investment in fixed assets (approximation) | - | €-39k | €-74k | €-29k | €-7k | ▲ 75.8% |
| Change in cash | - | €16k | €-35k | €-29k | €62k | ▲ 315% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
31-12
Financial
Highest result since 2018net €38k ▲227%
Operating result €59k, net result €38k, both a record.
31-12
Financial
Equity above €100kEq €101k ▲38.2%
8 profitable years in a row build equity to €101k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
10-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 10 days late
2019
31-12
Financial
Weakest financial yearnet €2k ▼65.5%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Bassenge · 1 establishment unit since 2017
Ground area
982 m²
Parcel 62029A0774/00V000, Wallonia. Linked by address, not a title deed.
1 establishment unit
RUTH DANIELLE
since 20172.260.743.762
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62029A0774/00V000 | Wallonia | 982 m² | - | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,685 companies in sector 86951 we hold annual accounts for 2,142. 1,854 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded26-01-2017
Fiscal year end31-12
Activities, NACEBEL 2025
86951Physiotherapy
Scores and ratios are computed by Checked and are not a credit decision.