RUTTEN E & J

Active

Private limited companyfounded 20215 yrs activeSt.-Willibrordusstraat 15, 3670 Oudsbergen, BelgiumKBO/BCE: BE 0762.583.118

The computed 12-month bankruptcy probability of RUTTEN E & J is 2.9% (moderate). The 2025 annual accounts show equity of €3k and a net result of €-18. Equity is shrinking by ~22.9% per year across the filed fiscal years. Its solvency ranks better than 16% of 27711 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

59 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability69▼-6

Solvency38▲+5

Growth32=

Track record94

Bankruptcy probability, 12 months

2.9% Moderate

0%0.5%1.5%4%10%≥ 25%

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

13%

Return on assets

-0.1%

Age of the figures

9 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 27711 sector peers (2025).

NBB · sector comparison

Position among 27711 sector peers

Solvency

better than 16%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-07-2026, 6 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

6 d early

2024

36 d early

2023

34 d early

2022

35 d early

2021

9 d early

← before the deadline after the deadline →

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 months

Position in the running window

22-09-2026 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

Financials · fiscal year 2025, micro schema

Equity

€3k▼ 0.7%

2024 · €3k

2021: €7k 2022: €5k 2023: €1k 2024: €3k

2021 → 2025

Total assets

€21k▼ 39.1%

2024 · €34k

2021: €101k 2022: €89k 2023: €14k 2024: €34k

2021 → 2025

Net result

€-18

2024 · €2k

2021: €4k 2022: €-2k 2023: €-4k 2024: €2k

2021 → 2025

Working capital

€259

2024 · €-781

2021: €-11k 2022: €-8k 2023: €-520 2024: €-781

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€7k-€5k▼ 33.7%€1k▼ 77.9%€3k▲ 160%€3k▼ 0.7%

Operating result€7k-€-900€-2k▼ 125%€2k€1k▼ 39.6%

Net result€4k-€-2k€-4k▼ 53.5%€2k€-18

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 40% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €21k

50.5%

49.5%

Fixed assets €10k▼ 43.9%

Current assets €10k▼ 33.2%

Equity and liabilities €21k

13.0%

87.0%

Equity €3k▼ 0.7%

Debt €18k▼ 42.4%

The debt ratio falls from 92.0% to 87.0%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€10k▲

2024 · €8k

Cash flow

€8k▲

2024 · €8k

Solvency

13.0%▲

2024 · 8.0%

Current ratio

1.03▲

2024 · 0.95

Quick ratio

1.03▲

2024 · 0.95

Debt / equity

6.70▼

2024 · 11.57

ROE

-0.7%▼

2024 · 61.5%

ROA

-0.1%▼

2024 · 4.9%

Interest coverage

15.11▼

2024 · 16.31

Debt

€18k▼

2024 · €31k

Debt ≤ 1 year

€10k▼

2024 · €16k

Debt > 1 year

€7k▼

2024 · €12k

Income taxes

€776▲

2024 · €192

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€34k€21k▼

Fixed assets21/28€19k€10k▼

Tangible fixed assets22/27€19k€10k▼

Plant, machinery and equipment23€732€33▼

Furniture and vehicles24€18k€10k▼

Current assets29/58€15k€10k▼

Amounts receivable within one year40/41€6k€2k▼

Trade receivables40€3k€1k▼

Other amounts receivable41€3k€719▼

Cash at bank and in hand54/58€9k€7k▼

Deferred charges and accrued income490/1€580€815▲

Equity and liabilities

Total equity and liabilities10/49€34k€21k▼

Equity10/15€3k€3k▼

Contributions10/11€3k€3k=

Profit (loss) carried forward14€-295€-313▼

Amounts payable17/49€31k€18k▼

Amounts payable after more than one year17€12k€7k▼

Financial debts170/4€12k€7k▼

Amounts payable within one year42/48€16k€10k▼

Current portion of amounts payable after more than one year42€5k€5k▲

Trade debts44€295€1k▲

Suppliers440/4€295€1k▲

Taxes, remuneration and social security45€2k€2k▲

Taxes450/3€540€776▲

Remuneration and social security454/9€2k€2k=

Other amounts payable47/48€9k€1k▼

Accrued charges and deferred income492/3€3k€590▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲

Other operating charges640/8€738€675▼

Gross operating margin9900€9k€10k▲

Operating profit (loss)9901€2k€1k▼

Financial income75/76B€67€0▼

Recurring financial income75€67€0▼

Financial charges65/66B€514€634▲

Recurring financial charges65€514€634▲

Profit (loss) for the period before taxes9903€2k€758▼

Income taxes67/77€192€776▲

Profit (loss) for the period9904€2k€-18▼

Profit (loss) for the period to be appropriated9905€2k€-18▼

Appropriation of the result

Profit (loss) to be appropriated9906€-295€-313▼

Profit (loss) brought forward from the previous period14P€-2k€-295▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

25-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

25-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Back to profitnet €2k

Net result €2k after 2 loss-making years.

27-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Weakest financial yearnet €-4k

Net result drops to €-4k, the lowest in the series; recovery starts the following year.

26-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

22-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Oudsbergen · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

St.-Willibrordusstraat 153670 Oudsbergen

Ground area

862 m²

Building footprint

122 m²

Volume, LiDAR

725 m³

Parcel 72011C0652/00X000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

RUTTEN E & J

St.-Willibrordusstraat 15, 3670 OudsbergenCivil engineering

since 20212.315.399.995

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
72011C0652/00X000	Flanders	862 m²	1 · 122 m²	8.4 m · 2 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.

Similar companies · same sector, comparable size

Ottignies-Louvain-la-Neuve · Eq €3k

ACCSA

BE 0879.790.790

Lichtervelde · Eq €3k

Of 3,963 companies in sector 43331 we hold annual accounts for 1,791. 462 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded27-01-2021

Fiscal year end31-12

Activities, NACEBEL

43331Floor and wall tiling

36000Water collection, treatment and supply

Sources

Crossroads Bank for EnterprisesNational Bank · 5 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.