RUCQUOY M.
ActiveRUCQUOY M. has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €100k and a net result of €2k. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 47% of 9980 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
79
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability11▼-11
Solvency83▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.18 against 3.23 in 2023), but 61% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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 · 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 2024Solvency, return and age of the figures
Solvency
39%
Return on assets
0.9%
Age of the figures
20 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-12-2025, 131 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
131 d late
2023
137 d late
2022
132 d late
2021
331 d late
2020
696 d late
2019
132 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€100k▲ 2.3%
2023 · €98k
2018: €52k
2019: €59k
2020: €71k
2021: €83k
2022: €93k
2023: €98k
2018 → 2024
Total assets
€256k▼ 3.8%
2023 · €266k
2018: €294k
2019: €293k
2020: €288k
2021: €288k
2022: €283k
2023: €266k
2018 → 2024
Net result
€2k▼ 48.6%
2023 · €4k
2018: €146
2019: €8k
2020: €12k
2021: €11k
2022: €11k
2023: €4k
2018 → 2024
Working capital
€104k▲ 3.9%
2023 · €100k
2018: €120k
2019: €124k
2020: €118k
2021: €90k
2022: €97k
2023: €100k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€71k-€83k▲ 15.6%€93k▲ 12.9%€98k▲ 4.6%€100k▲ 2.3%
Operating result€30k-€27k▼ 10.5%€26k▼ 3.9%€15k▼ 41.1%€12k▼ 23.1%
Net result€12k-€11k▼ 9.9%€11k▼ 4.5%€4k▼ 59.5%€2k▼ 48.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2024 is 23% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €256k
Fixed assets
€104k▼ 14.0%
Current assets
€152k▲ 4.7%
Equity and liabilities €256k
Equity
€100k▲ 2.3%
Debt
€156k▼ 7.2%
The debt ratio falls from 63.3% to 61.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€31k▼
2023 · €36k
Cash flow
€22k▼
2023 · €25k
Solvency
39.0%▲
2023 · 36.7%
Current ratio
3.18▼
2023 · 3.23
Quick ratio
2.61▼
2023 · 2.81
Debt / equity
1.56▼
2023 · 1.72
ROE
2.2%▼
2023 · 4.4%
ROA
0.9%▼
2023 · 1.6%
Interest coverage
3.58▼
2023 · 3.89
Debt
€156k▼
2023 · €168k
Debt ≤ 1 year
€48k▲
2023 · €45k
Debt > 1 year
€108k▼
2023 · €124k
Income taxes
€903▼
2023 · €2k
Staff costs
€97k▲
2023 · €92k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€266k€256k▼
Fixed assets21/28€121k€104k▼
Tangible fixed assets22/27€121k€104k▼
Land and buildings22€94k€85k▼
Plant, machinery and equipment23€23k€14k▼
Furniture and vehicles24€2k€4k▲
Other tangible fixed assets26€2k€2k▼
Current assets29/58€145k€152k▲
Stocks and contracts in progress3€19k€27k▲
Stocks30/36€19k€27k▲
Amounts receivable within one year40/41€64k€75k▲
Trade receivables40€44k€63k▲
Other amounts receivable41€19k€11k▼
Cash at bank and in hand54/58€3k€5k▲
Deferred charges and accrued income490/1€59k€45k▼
Equity and liabilities
Total equity and liabilities10/49€266k€256k▼
Equity10/15€98k€100k▲
Contributions10/11€2k€2k=
Reserves13€56k€58k▲
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Distributable reserves133€51k€53k▲
Profit (loss) carried forward14€41k€41k=
Amounts payable17/49€168k€156k▼
Amounts payable after more than one year17€124k€108k▼
Financial debts170/4€124k€108k▼
Amounts payable within one year42/48€45k€48k▲
Current portion of amounts payable after more than one year42€17k€12k▼
Trade debts44€13k€8k▼
Suppliers440/4€13k€8k▼
Taxes, remuneration and social security45€15k€28k▲
Taxes450/3€9k€6k▼
Remuneration and social security454/9€6k€21k▲
Income statement
Code20232024
Remuneration, social security and pensions62€92k€97k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€19k▼
Other operating charges640/8€317€1k▲
Gross operating margin9900€129k€129k▲
Operating profit (loss)9901€15k€12k▼
Financial charges65/66B€9k€9k▼
Recurring financial charges65€9k€9k▼
Profit (loss) for the period before taxes9903€6k€3k▼
Income taxes67/77€2k€903▼
Profit (loss) for the period9904€4k€2k▼
Profit (loss) for the period to be appropriated9905€4k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€45k€43k▼
Profit (loss) brought forward from the previous period14P€41k€41k=
Transfer to equity691/2€4k€2k▼
To other reserves6921€4k€2k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
09-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 131 days late
2024
15-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 137 days late
2023
10-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 132 days late
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 331 days late
27-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 696 days late
2020
31-12
Financial
Highest result since 2018net €12k ▲64.4%
Operating result €30k, net result €12k, both a record.
10-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 132 days late
2019
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 139 days late
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 325 days late
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 345 days late
11-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 710 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Fosses-la-Ville · 1 establishment unit since 2011
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.
Rue du Try-al-Hutte 75070 Fosses-la-VilleGround area
268 m²
Building footprint
177 m²
Volume, LiDAR
1,313 m³
Parcel 92048D0247/00T000, Wallonia · tallest building 8.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SPRL-S RUCQUOY M.
since 20112.195.906.784
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92048D0247/00T000 | Wallonia | 268 m² | 1 · 177 m² | 8.9 m · 3 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 29,535 companies in sector 41001 we hold annual accounts for 15,872. 12,999 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-12-2010
Fiscal year end31-12
Legal name FR
SPRL-S RUCQUOY M.
Activities, NACEBEL
41001General construction of residential buildings
43410Roofing work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.