Parent and group
- Womat100%
RUWOMAT
ActiveSummary
RUWOMAT has been active since 1996 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.9m and a net result of €889,388. Equity has been growing by about 11% per year since 2019. Its solvency ranks better than 76% of 6,172 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Official details
Source: KBO- Status
- Active since 05-11-1996 Normal situation
- Activity
- Wholesale of construction materials, general range NACE 46831and 2 others
- Joint committees
- 149 Paritair Comité voor de sectors die aan de metaal-, machine- en elektrische bouw verwant zijn
- 200 Aanvullend Paritair Comité voor de bedienden · annual accounts 30-09-2025
- Establishment units
- 2.080.292.385 9870 Zulte, since 03-02-1997
- 2.206.489.781 9880 Aalter, since 01-01-2012and 2 others
- Financial year end
- 30 September
- Peppol
- Reachable since 05-11-2025
Board and ownership
Board
- ACKAERT ChristelDirector
- MORTIER GeertDirector
- RUWOMAT INVESTDirector · permanent representative Wout Mortier
Shareholders
- Ruwomat Invest100%30-09-2025 annual accounts of Ruwomat Invest
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
Annual accounts to 30-09-2025
- Turnover
- €11.3m
- ▼ 7.5%
- Profit
- €889,388
- ▼ 3.6%
- Equity
- €7.9m
- ▼ 2.0%
- Total assets
- €11.4m
- ▼ 0.4%
- Employees on 30-09-2025
- 24
- ▼ 11.1%
Score breakdownlowers riskFounded in 1996Liquidity: current ratio 4.43, cash €1.4mEquity €7.9m (69.4% of total assets)Size: turnover €11.3m, 26.7 FTE, total assets €11.4mShow the evidence
Checked score
Score 2025
96
/ 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 64% of small companies in wholesale trade (NACE 46)
Financial strength · tick: 2024
Strong
Solvency
94-1
equity 69.4% of total assets
Liquidity
62-4
short-term debt 16.2% · cash 12.4%
Profitability
76=
return on assets 7.8%
Bankruptcy probability within 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).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025lowest value
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026highest value
05-2026: < 0.1%● unchanged vs 04-2026highest value
06-2026: < 0.1%● unchanged vs 05-2026highest value
07-2026: < 0.1%● unchanged vs 06-2026highest value
08-2026: < 0.1%● unchanged vs 07-2026highest value
09-2026: < 0.1%● unchanged vs 08-2026highest value
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €750,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.43 (5.78 in 2024), above the usual 1.5. Short-term debt is 16.2% and cash 12.4% of total assets. 30.6% of the assets are financed with debt and provisions.
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, small). It does better than 79% of them on solvency, 80% on liquidity, 74% on profitability and 24% on growth.
The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 06-03-2026, 55 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
55 days early
2024
35 days early
2023
40 days early
2022
46 days early
2021
52 days early
2020
78 days early
2019
70 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 54 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 15 March (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end04-11-2026 today30-04-2027 deadline
Key points
- Positive: 4th largest employer in Zulte, Wholesale and retail trade sectorin the Checked rankings No. 4 View
- Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
- Positive: 7 profitable years in a rowprofit 2025: €889,388 7 years View
- New directorlatest change 29-01-2026 · 4 in office 1 joined View
Recent changes
- · Gazette deed 1 director appointed, 1 director resigningAppointment: WOMAT (director) · Permanent representative: Wout Mortier · Resignation: RUWOMAT INVEST (bestuur)
- · Gazette deed 3 directors appointedAppointments: MORTIER Geert, ACKAERT Christel and RUWOMAT INVEST · Permanent representative: MORTIER Wout
- · Gazette deed Incorporation
Companies linked to RUWOMAT
Comparable companies
These companies have the same main activity as RUWOMAT: wholesale of construction materials, general range (NACE 46831). They are comparable in size and age: total assets between €7.2m and €17m, founded between 1989 and 2001.
| Company | Total assets | Turnover |
|---|---|---|
| RUWOMAT Zulte | €11.4m | €11.3m |
| SCHEERLINCK Geraardsbergen | €16.6m | €12.9m |
| Bouwmaterialen De Groote - Houtboerke Gent | €7.5m | €13.9m |
| A. SCHULMAN BELGIUM Oudsbergen | €8.0m | €11.1m |
| POMAX BELGIUM Kontich | €7.2m | €10.0m |
| S.A. 4m EUROPE Herve | €10.5m | €10.2m |
| RI.PA. BELGIUM Laarne | €8.2m | €11.6m |
Key facts about RUWOMAT
- What is the company number of RUWOMAT?
- The company number of RUWOMAT is 0459.109.314. The VAT number is the same number with BE in front: BE 0459.109.314.
- Where is RUWOMAT based?
- The registered office is at Oudenaardestraat 193, 9870 Zulte.Company details
- What does RUWOMAT do?
- According to the KBO register, the main activity is wholesale of construction materials, general range (NACE 46831).
- What is the legal form of RUWOMAT?
- The legal form of RUWOMAT is Private limited company (BV).
- When was RUWOMAT founded?
- RUWOMAT was founded on 05-11-1996.
- Is RUWOMAT still active?
- Yes, RUWOMAT is an active enterprise in the KBO register.
- How many employees does RUWOMAT have?
- RUWOMAT had an average of 26.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does RUWOMAT fall under?
- In its 30-09-2025 annual accounts, RUWOMAT states joint committees 149 (Paritair Comité voor de sectors die aan de metaal-, machine- en elektrische bouw verwant zijn) and 200 (Aanvullend Paritair Comité voor de bedienden).
- What is the turnover of RUWOMAT?
- The turnover of RUWOMAT was €11.3m in financial year 2025, according to the filed annual accounts.
- Is RUWOMAT profitable?
- In financial year 2025, RUWOMAT made a profit of €889,388.
- Where can I find the annual accounts of RUWOMAT?
- RUWOMAT filed 29 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of RUWOMAT due?
- RUWOMAT must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence See whether the workforce is growing and whether people stay.Employer check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See which support similar companies received that this one did not.Subsidies
See how customers, suppliers and banks see your own company and what to improve first.