RUFISIMO
ActiveSummary
RUFISIMO has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.52M and a net result of €358k. Equity is growing by ~21.9% per year across the filed fiscal years. Its solvency ranks better than 94% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability85▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210k at 30 days acceptable
Liquidity ample (current ratio 16.38 against 13.35 in 2024; short-term debt: 6.1% and cash: 1.7% of total assets), and 6.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← 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
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
93.9%
Return on assets
13.3%
Age of the figures
18 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 early
2023
35 d early
2022
on the day
2021
31 d early
2020
5 d late
2019
30 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close25-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.52M▲ 16.6%
2024 · €2.16M
2019: €735klowest in 7 years
2020: €960k▲ +30.5% vs 2019
2021: €1.22M▲ +27.6% vs 2020
2022: €1.37M▲ +11.9% vs 2021
2023: €1.84M▲ +34.3% vs 2022
2024: €2.16M▲ +17.4% vs 2023
2025: €2.52M▲ +16.6% vs 2024highest in 7 years
2019 → 2025
Total assets
€2.68M▲ 14.8%
2024 · €2.33M
2019: €1.06Mlowest in 7 years
2020: €1.27M▲ +19.7% vs 2019
2021: €1.34M▲ +6.0% vs 2020
2022: €1.45M▲ +8.4% vs 2021
2023: €2.05M▲ +40.9% vs 2022
2024: €2.33M▲ +13.9% vs 2023
2025: €2.68M▲ +14.8% vs 2024highest in 7 years
2019 → 2025
Net result
€358k▲ 11.8%
2024 · €320k
2019: €256k
2020: €224k▼ -12.2% vs 2019
2021: €265k▲ +18.2% vs 2020
2022: €146k▼ -45.2% vs 2021lowest in 7 years
2023: €469k▲ +223% vs 2022highest in 7 years
2024: €320k▼ -31.9% vs 2023
2025: €358k▲ +11.8% vs 2024
2019 → 2025
Working capital
€2.51M▲ 16.5%
2024 · €2.16M
2019: €667klowest in 7 years
2020: €882k▲ +32.3% vs 2019
2021: €1.15M▲ +30.9% vs 2020
2022: €1.30M▲ +13.0% vs 2021
2023: €1.82M▲ +39.4% vs 2022
2024: €2.16M▲ +18.6% vs 2023
2025: €2.51M▲ +16.5% vs 2024highest in 7 years
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.22M-€1.37M▲ 11.9%€1.84M▲ 34.3%€2.16M▲ 17.4%€2.52M▲ 16.6%
2021: €1.22Mlowest in 5 years
2022: €1.37M▲ +11.9% vs 2021
2023: €1.84M▲ +34.3% vs 2022
2024: €2.16M▲ +17.4% vs 2023
2025: €2.52M▲ +16.6% vs 2024highest in 5 years
Operating result€380k-€197k▼ 48.0%€675k▲ 242%€420k▼ 37.8%€485k▲ 15.6%
2021: €380k
2022: €197k▼ -48.0% vs 2021lowest in 5 years
2023: €675k▲ +242% vs 2022highest in 5 years
2024: €420k▼ -37.8% vs 2023
2025: €485k▲ +15.6% vs 2024
Net result€265k-€146k▼ 45.2%€469k▲ 223%€320k▼ 31.9%€358k▲ 11.8%
2021: €265k
2022: €146k▼ -45.2% vs 2021lowest in 5 years
2023: €469k▲ +223% vs 2022highest in 5 years
2024: €320k▼ -31.9% vs 2023
2025: €358k▲ +11.8% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 16% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.68M
Fixed assets
€3k ▲ 55.2%
Current assets
€2.68M ▲ 14.8%
Equity and liabilities €2.68M
Equity
€2.52M ▲ 16.6%
Debt
€163k ▼ 6.4%
Debt's share of the balance-sheet total falls from 7.5% to 6.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€487k▲
2024 · €439k
Cash flow
€359k▲
2024 · €338k
Current ratio
16.38▲
2024 · 13.35
Debt to equity
0.06▼
2024 · 0.08
ROE
14.2%▼
2024 · 14.8%
ROA
13.3%▼
2024 · 13.7%
Interest coverage
5355.00▲
2024 · 3379.18
Debt ≤ 1 year
€163k▼
2024 · €175k
Income taxes
€163k▲
2024 · €145k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.33M€2.68M▲
Fixed assets21/28€2k€3k▲
Tangible fixed assets22/27€2k€3k▲
Furniture and vehicles24€229€2k▲
Other tangible fixed assets26€2k€968▼
Current assets29/58€2.33M€2.68M▲
Amounts receivable after more than one year29€1.65M€1.83M▲
Other amounts receivable291€1.65M€1.83M▲
Amounts receivable within one year40/41€563k€688k▲
Trade receivables40€81k€130k▲
Other amounts receivable41€482k€558k▲
Current investments50/53-€100k
Cash at bank and in hand54/58€107k€47k▼
Deferred charges and accrued income490/1€15k€10k▼
Equity and liabilities
Total equity and liabilities10/49€2.33M€2.68M▲
Equity10/15€2.16M€2.52M▲
Contributions10/11€20k€20k=
Reserves13€2.14M€2.50M▲
Tax-exempt reserves132€4k€4k=
Distributable reserves133€2.14M€2.49M▲
Amounts payable17/49€175k€163k▼
Amounts payable within one year42/48€175k€163k▼
Trade debts44€39k€38k▼
Suppliers440/4€39k€38k▼
Taxes, remuneration and social security45€12k€27k▲
Taxes450/3€12k€27k▲
Other amounts payable47/48€124k€99k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€1k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€440k€488k▲
Operating profit (loss)9901€420k€485k▲
Financial income75/76B€45k€35k▼
Recurring financial income75€45k€35k▼
Financial charges65/66B€130€91▼
Recurring financial charges65€130€91▼
Profit (loss) for the period before taxes9903€464k€520k▲
Income taxes67/77€145k€163k▲
Profit (loss) for the period9904€320k€358k▲
Profit (loss) for the period to be appropriated9905€320k€358k▲
Appropriation of the result
Profit (loss) to be appropriated9906€320k€358k▲
Transfer to equity691/2€320k€358k▲
To other reserves6921€320k€358k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €230k | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28k | €28k | €19k | €19k | €1k | ▼ 93.3% |
| Other operating charges640/8 | - | €2k | €2k | €1k | €2k | ▲ 17.9% |
| Non-recurring operating charges66A | - | €141k | - | - | - | - |
| Gross operating margin9900 | €409k | €368k | €696k | €440k | €488k | ▲ 11.0% |
| Operating profit (loss)9901 | €380k | €197k | €675k | €420k | €485k | ▲ 15.6% |
| Financial income75/76B | - | €12k | €13k | €45k | €35k | ▼ 22.0% |
| Recurring financial income75 | €4k | €12k | €13k | €45k | €35k | ▼ 22.0% |
| Financial charges65/66B | - | €379 | €296 | €130 | €91 | ▼ 30.0% |
| Recurring financial charges65 | €434 | €379 | €296 | €130 | €91 | ▼ 30.0% |
| Profit (loss) for the period before taxes9903 | €384k | €209k | €688k | €464k | €520k | ▲ 12.0% |
| Income taxes67/77 | €119k | €64k | €218k | €145k | €163k | ▲ 12.3% |
| Profit (loss) for the period9904 | €265k | €146k | €469k | €320k | €358k | ▲ 11.8% |
| Profit (loss) for the period to be appropriated9905 | €265k | €146k | €469k | €320k | €358k | ▲ 11.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.34M | €1.45M | €2.05M | €2.33M | €2.68M | ▲ 14.8% |
| Fixed assets21/28 | €104k | €79k | €20k | €2k | €3k | ▲ 55.2% |
| Tangible fixed assets22/27 | €104k | €79k | €20k | €2k | €3k | ▲ 55.2% |
| Land and buildings22 | - | €21k | - | - | - | - |
| Furniture and vehicles24 | - | €36k | €18k | €229 | €2k | ▲ 689% |
| Other tangible fixed assets26 | - | €22k | €2k | €2k | €968 | ▼ 37.8% |
| Current assets29/58 | €1.24M | €1.38M | €2.03M | €2.33M | €2.68M | ▲ 14.8% |
| Amounts receivable after more than one year29 | - | €669k | €776k | €1.65M | €1.83M | ▲ 11.2% |
| Other amounts receivable291 | - | €669k | €776k | €1.65M | €1.83M | ▲ 11.2% |
| Amounts receivable within one year40/41 | €792k | €283k | €249k | €563k | €688k | ▲ 22.3% |
| Trade receivables40 | - | €81k | €81k | €81k | €130k | ▲ 61.5% |
| Other amounts receivable41 | - | €202k | €168k | €482k | €558k | ▲ 15.8% |
| Current investments50/53 | - | - | €875k | - | €100k | - |
| Cash at bank and in hand54/58 | €443k | €419k | €124k | €107k | €47k | ▼ 56.4% |
| Deferred charges and accrued income490/1 | - | €3k | €6k | €15k | €10k | ▼ 32.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.34M | €1.45M | €2.05M | €2.33M | €2.68M | ▲ 14.8% |
| Equity10/15 | €1.22M | €1.37M | €1.84M | €2.16M | €2.52M | ▲ 16.6% |
| Contributions10/11 | - | €20k | €20k | €20k | €20k | = |
| Reserves13 | €1.20M | €1.35M | €1.82M | €2.14M | €2.50M | ▲ 16.7% |
| Non-distributable reserves130/1 | - | €62k | €62k | - | - | - |
| Reserves not available under the articles1311 | - | €62k | €62k | - | - | - |
| Tax-exempt reserves132 | - | €4k | €4k | €4k | €4k | = |
| Distributable reserves133 | - | €1.28M | €1.75M | €2.14M | €2.49M | ▲ 16.7% |
| Amounts payable17/49 | €116k | €84k | €209k | €175k | €163k | ▼ 6.4% |
| Amounts payable after more than one year17 | €34k | €14k | - | - | - | - |
| Financial debts170/4 | - | €14k | - | - | - | - |
| Amounts payable within one year42/48 | €82k | €70k | €209k | €175k | €163k | ▼ 6.4% |
| Current portion of amounts payable after more than one year42 | - | €20k | €14k | - | - | - |
| Trade debts44 | €39k | €39k | €40k | €39k | €38k | ▼ 2.5% |
| Suppliers440/4 | - | €39k | €40k | €39k | €38k | ▼ 2.5% |
| Taxes, remuneration and social security45 | - | €11k | €22 | €12k | €27k | ▲ 119% |
| Taxes450/3 | - | €11k | €22 | €12k | €27k | ▲ 119% |
| Other amounts payable47/48 | - | €308 | €156k | €124k | €99k | ▼ 20.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €265k | €146k | €469k | €320k | €358k | ▲ 11.8% |
| + Depreciation and write-downs630 | €28k | €28k | €19k | €19k | €1k | ▼ 93.3% |
| Operating cash flow (approximation) | €293k | €173k | €488k | €338k | €359k | ▲ 6.0% |
| Investment in fixed assets (approximation) | - | €-3k | €40k | €0 | €-2k | - |
| Change in cash | - | €-24k | €-296k | €-16k | €-61k | ▼ 272% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
25-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Equity above €2MEq €2.16M ▲17.4%
6 profitable years in a row build equity to €2.16M.
2023
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Highest result since 2019net €469k ▲223%
Operating result €675k, net result €469k, both a record.
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Weakest financial yearnet €146k ▼45.2%
Net result drops to €146k, the lowest in the series; recovery starts the following year.
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 15.01
Current ratio from 4.50 to 15.01; short-term debt falls from €252k to €82k.
31-03
Financial
Equity above €1MEq €1.22M ▲27.6%
3 profitable years in a row build equity to €1.22M.
2020
05-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
23-07
State Gazette act
General meeting · Share cancellation
Capital · Registered-office move
Show earlier events
05-03
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
2019
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB 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
4 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, Zele · 1 establishment unit since 2000
Ground area
1,904 m²
Building footprint
231 m²
Volume, LiDAR
1,203 m³
Parcel 42028A0552/00E000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Durmen 283, 9240 Zele
since 20002.280.802.768
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42028A0552/00E000 | Flanders | 1,904 m² | 1 · 231 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
10 locations
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 2,599 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-07-2000
Fiscal year end31-03
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Contact
Phone
0475657030Zele
Scores and ratios are computed by Checked and are not a credit decision.