RUTOMA
ActiveRUTOMA has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €648k and a net result of €94k. Equity is growing by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 68% of 7892 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+19
Solvency96▼-1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 1.87 against 2.01 in 2024), and 37.1% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
62.9%
Return on assets
9.2%
Age of the figures
17 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
6 d late
2023
1 d early
2022
14 d early
2021
31 d early
2020
19 d late
2019
6 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close12-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€648k▲ 16.3%
2024 · €557k
2019: €290k
2020: €377k
2021: €434k
2022: €458k
2023: €505k
2024: €557k
2019 → 2025
Total assets
€1.03M▼ 0.7%
2024 · €1.04M
2019: €939k
2020: €1.33M
2021: €1.30M
2022: €1.24M
2023: €1.17M
2024: €1.04M
2019 → 2025
Net result
€94k▲ 56.6%
2024 · €60k
2019: €17k
2020: €90k
2021: €57k
2022: €68k
2023: €55k
2024: €60k
2019 → 2025
Working capital
€306k▼ 26.2%
2024 · €415k
2019: €268k
2020: €292k
2021: €373k
2022: €311k
2023: €367k
2024: €415k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€434k-€458k▲ 5.6%€505k▲ 10.3%€557k▲ 10.3%€648k▲ 16.3%
Operating result€74k-€90k▲ 22.0%€73k▼ 19.8%€86k▲ 18.6%€130k▲ 51.2%
Net result€57k-€68k▲ 19.7%€55k▼ 18.7%€60k▲ 8.8%€94k▲ 56.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 51% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.03M
Fixed assets
€371k▲ 75.7%
Current assets
€659k▼ 20.2%
Equity and liabilities €1.03M
Equity
€648k▲ 16.3%
Provisions
€9k
Debt
€374k▼ 22.3%
The debt ratio falls from 46.3% to 36.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€216k▲
2024 · €194k
Cash flow
€181k▲
2024 · €168k
Solvency
62.9%▲
2024 · 53.7%
Current ratio
1.87▼
2024 · 2.01
Quick ratio
1.83▼
2024 · 1.97
Debt / equity
0.58▼
2024 · 0.86
ROE
14.6%▲
2024 · 10.8%
ROA
9.2%▲
2024 · 5.8%
Interest coverage
26.50▼
2024 · 40.72
Debt
€374k▼
2024 · €481k
Debt ≤ 1 year
€353k▼
2024 · €412k
Debt > 1 year
€17k▼
2024 · €69k
Income taxes
€19k▼
2024 · €23k
Staff costs
€107k▲
2024 · €99k
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€1.04M€1.03M▼
Fixed assets21/28€211k€371k▲
Tangible fixed assets22/27€211k€330k▲
Plant, machinery and equipment23€137k€95k▼
Furniture and vehicles24€74k€235k▲
Financial fixed assets28-€41k
Current assets29/58€826k€659k▼
Amounts receivable after more than one year29€16k€16k=
Other amounts receivable291€16k€16k=
Stocks and contracts in progress3€15k€13k▼
Stocks30/36€15k€13k▼
Amounts receivable within one year40/41€321k€309k▼
Trade receivables40€266k€268k▲
Other amounts receivable41€55k€41k▼
Cash at bank and in hand54/58€468k€307k▼
Deferred charges and accrued income490/1€7k€15k▲
Equity and liabilities
Total equity and liabilities10/49€1.04M€1.03M▼
Equity10/15€557k€648k▲
Contributions10/11€120k€120k=
Reserves13€437k€527k▲
Non-distributable reserves130/1€12k-
Reserves not available under the articles1311€12k-
Tax-exempt reserves132€104k€140k▲
Distributable reserves133€321k€387k▲
Profit (loss) carried forward14€18€876▲
Provisions and deferred taxes16-€9k
Deferred taxes168-€9k
Amounts payable17/49€481k€374k▼
Amounts payable after more than one year17€69k€17k▼
Financial debts170/4€69k€17k▼
Amounts payable within one year42/48€412k€353k▼
Current portion of amounts payable after more than one year42€84k€50k▼
Trade debts44€295k€273k▼
Suppliers440/4€295k€273k▼
Taxes, remuneration and social security45€24k€22k▼
Taxes450/3€8k€4k▼
Remuneration and social security454/9€16k€18k▲
Other amounts payable47/48€8k€7k▼
Accrued charges and deferred income492/3-€4k
Income statement
Code20242025
Non-recurring operating income76A€5k€58k▲
Remuneration, social security and pensions62€99k€107k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€108k€86k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-936
Other operating charges640/8€12k€18k▲
Non-recurring operating charges66A€4k€936▼
Gross operating margin9900€310k€341k▲
Operating profit (loss)9901€86k€130k▲
Financial income75/76B€1k€734▼
Recurring financial income75€1k€734▼
Financial charges65/66B€5k€8k▲
Recurring financial charges65€5k€8k▲
Profit (loss) for the period before taxes9903€82k€123k▲
Transfer from deferred taxes780€920€980▲
Transfer to deferred taxes680-€10k
Income taxes67/77€23k€19k▼
Profit (loss) for the period9904€60k€94k▲
Transfer from tax-exempt reserves789€2k€4k▲
Transfer to tax-exempt reserves689-€40k
Profit (loss) for the period to be appropriated9905€62k€58k▼
Appropriation of the result
Profit (loss) to be appropriated9906€63k€58k▼
Profit (loss) brought forward from the previous period14P€884€18▼
Transfer from equity791/2€2k-
Transfer to equity691/2€57k€54k▼
To other reserves6921€57k€54k▼
Profit to be distributed694/7€8k€3k▼
Return on contributions (dividend)694€3k€3k▲
Directors or managers695€5k-
Social balance
Average headcount (FTE)90872.12.1=
The notes to these accounts (15 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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Highest result since 2019net €94k ▲56.6%
Operating result €130k, net result €94k, both a record.
2024
06-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 6 days late
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Equity above €500kEq €505k ▲10.3%
5 profitable years in a row build equity to €505k.
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
19-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 19 days late
2019
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 6 days late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
06-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 6 days late
2016
10-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
2 directors, last change in 2025
Franco Björn
CurrentDirector · since 04-03-2025
Franco Kurt
CurrentDirector · since 04-03-2025
04-03-2025
Franco Björn: Resigned as Director
04-03-2025
Franco Björn: Appointed as Director
04-03-2025
Franco Kurt: Resigned as Director
04-03-2025
Franco Kurt: Appointed as Director
Not every act has been read: a resignation may be missing here
4 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Jabbeke · 1 establishment unit since 1991
Ground area
1,480 m²
Building footprint
170 m²
Volume, LiDAR
571 m³
Parcel 31031C0046/00N000, Flanders · tallest building 5.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
RUTOMA
since 19912.054.440.895
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31031C0046/00N000 | Flanders | 1,480 m² | 1 · 170 m² | 5.7 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 949 companies in sector 46319 we hold annual accounts for 603. 425 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-09-1991
Fiscal year end31-03
Activities, NACEBEL
46319Wholesale of fruit and vegetables, excluding potatoes
51310
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.