RUZZI HOLDING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €14k and a net result of €990. Equity is shrinking by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 92% of 7994 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
21 d early
2022
7 d early
2021
12 d early
2020
12 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▲ 7.8%
2024 · €13k
2020: €14k
2021: €17k
2022: €18k
2023: €14k
2024: €13k
2020 → 2025
Net result
€990
2024 · €-1k
2020: €-6k
2021: €3k
2022: €1k
2023: €-5k
2024: €-1k
2020 → 2025
Total assets
€15k▲ 13.2%
2024 · €13k
2020: €25k
2021: €17k
2022: €19k
2023: €18k
2024: €13k
2020 → 2025
Solvency
93.4%▼ 4.7pp
2024 · 98.1%
2020: 58.5%
2021: 98.6%
2022: 97.5%
2023: 74.3%
2024: 98.1%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€18k▲ 6.3%€14k▼ 24.8%€13k▼ 7.5%€14k▲ 7.8%
Operating result€3k-€1k▼ 59.1%€-4k€-978▲ 78.1%€1k
Net result€3k-€1k▼ 60.6%€-5k€-1k▲ 77.4%€990
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1k after a loss of €978 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €15k
Fixed assets
€10k=
Current assets
€5k▲ 57.8%
Equity and liabilities €15k
Equity
€14k▲ 7.8%
Debt
€972▲ 289%
The debt ratio rises from 1.9% to 6.6%. Equity and debt are higher.
Key figures and ratios
Solvency
93.4%▼
2024 · 98.1%
ROE
7.2%▲
2024 · -8.1%
ROA
6.7%▲
2024 · -7.9%
Debt
€972▲
2024 · €250
Debt ≤ 1 year
€522▲
2024 · €100
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€13k€15k▲
Fixed assets21/28€10k€10k=
Financial fixed assets28€10k€10k=
Current assets29/58€3k€5k▲
Amounts receivable within one year40/41€1k€4k▲
Trade receivables40€0€2k▲
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€2k€580▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€13k€15k▲
Equity10/15€13k€14k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-7k€-6k▲
Amounts payable17/49€250€972▲
Amounts payable within one year42/48€100€522▲
Trade debts44€100€522▲
Suppliers440/4€100€522▲
Accrued charges and deferred income492/3€150€450▲
Income statement
Code20242025
Other operating charges640/8€546€549▲
Gross operating margin9900€-431€2k▲
Operating profit (loss)9901€-978€1k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€46€63▲
Recurring financial charges65€46€63▲
Profit (loss) for the period before taxes9903€-1k€990▲
Profit (loss) for the period9904€-1k€990▲
Profit (loss) for the period to be appropriated9905€-1k€990▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-6k▲
Profit (loss) brought forward from the previous period14P€-6k€-7k▼
The notes to these accounts (4 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
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €990
Net result €990 after 2 loss-making years.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Liquidity times 15current ratio 29.62
Current ratio from 1.95 to 29.62; short-term debt falls from €4k to €100.
10-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
19-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
30-06
Financial
Liquidity times 22current ratio 28.11
Current ratio from 1.28 to 28.11; short-term debt falls from €10k to €236.
19-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Houthalen-Helchteren · 1 establishment unit since 2019
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.
Spreeuwenstraat 203530 Houthalen-HelchterenGround area
899 m²
Building footprint
149 m²
Volume, LiDAR
735 m³
Parcel 72452E1153/00P071, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RUZZI HOLDING
since 20192.291.259.764
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72452E1153/00P071 | Flanders | 899 m² | 1 · 149 m² | 9.3 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 6,076 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-2019
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.