Summary
RUJAX 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 €59k and a net result of €23k. Equity is growing by ~63.7% per year across the filed fiscal years. Its solvency ranks better than 40% of 2444 sector peers (fiscal year 2025). The company has been active since 2023 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 check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-02-2026, 157 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
157 d early
2024
77 d early
2023
69 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€59k▲ 59.7%
2024 · €37k
2023: €12klowest in 3 years
2024: €37k▲ +210% vs 2023
2025: €59k▲ +59.7% vs 2024highest in 3 years
2023 → 2025
Net result
€23k▼ 11.5%
2024 · €26k
2023: €10klowest in 3 years
2024: €26k▲ +166% vs 2023highest in 3 years
2025: €23k▼ -11.5% vs 2024
2023 → 2025
Total assets
€152k▲ 70.9%
2024 · €89k
2023: €80klowest in 3 years
2024: €89k▲ +11.0% vs 2023
2025: €152k▲ +70.9% vs 2024highest in 3 years
2023 → 2025
Solvency
38.6%▼ 2.7pp
2024 · 41.3%
2023: 14.8%lowest in 3 years
2024: 41.3%▲ +179% vs 2023highest in 3 years
2025: 38.6%▼ -6.6% vs 2024
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€12k-€37k▲ 210%€59k▲ 59.7%
2023: €12klowest in 3 years
2024: €37k▲ +210% vs 2023
2025: €59k▲ +59.7% vs 2024highest in 3 years
Operating result€15k-€35k▲ 137%€32k▼ 8.8%
2023: €15klowest in 3 years
2024: €35k▲ +137% vs 2023highest in 3 years
2025: €32k▼ -8.8% vs 2024
Net result€10k-€26k▲ 166%€23k▼ 11.5%
2023: €10klowest in 3 years
2024: €26k▲ +166% vs 2023highest in 3 years
2025: €23k▼ -11.5% 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 falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €152k
Fixed assets
€80k ▲ 122%
Current assets
€72k ▲ 36.4%
Equity and liabilities €152k
Equity
€59k ▲ 59.7%
Debt
€93k ▲ 78.8%
Debt's share of the balance-sheet total rises from 58.7% to 61.4%. Equity and debt are higher.
Key figures and ratios
ROE
38.8%▼
2024 · 70.1%
ROA
15.0%▼
2024 · 28.9%
Debt ≤ 1 year
€32k▼
2024 · €34k
Debt > 1 year
€61k▲
2024 · €18k
Income taxes
€7k▼
2024 · €8k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€89k€152k▲
Fixed assets21/28€36k€80k▲
Tangible fixed assets22/27€36k€75k▲
Furniture and vehicles24€36k€4k▼
Leasing and similar rights25-€71k
Financial fixed assets28-€5k
Current assets29/58€53k€72k▲
Amounts receivable within one year40/41€5k€6k▲
Trade receivables40€0€5k▲
Other amounts receivable41€5k€1k▼
Cash at bank and in hand54/58€47k€65k▲
Deferred charges and accrued income490/1€858€2k▲
Equity and liabilities
Total equity and liabilities10/49€89k€152k▲
Equity10/15€37k€59k▲
Contributions10/11€3k€3k=
Reserves13€34k€56k▲
Distributable reserves133€34k€56k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€52k€93k▲
Amounts payable after more than one year17€18k€61k▲
Financial debts170/4€18k€61k▲
Amounts payable within one year42/48€34k€32k▼
Current portion of amounts payable after more than one year42€12k€14k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Other amounts payable47/48€16k€12k▼
Accrued charges and deferred income492/3-€725
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€8k▼
Other operating charges640/8€1k€3k▲
Non-recurring operating charges66A-€10k
Gross operating margin9900€50k€54k▲
Operating profit (loss)9901€35k€32k▼
Financial income75/76B-€8
Recurring financial income75-€8
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€33k€30k▼
Income taxes67/77€8k€7k▼
Profit (loss) for the period9904€26k€23k▼
Profit (loss) for the period to be appropriated9905€26k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€23k▼
Transfer to equity691/2€25k€22k▼
To other reserves6921€25k€22k▼
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €14k | €8k | ▼ 38.7% |
| Other operating charges640/8 | €1k | €1k | €3k | ▲ 152% |
| Non-recurring operating charges66A | - | - | €10k | - |
| Gross operating margin9900 | €23k | €50k | €54k | ▲ 7.9% |
| Operating profit (loss)9901 | €15k | €35k | €32k | ▼ 8.8% |
| Financial income75/76B | - | - | €8 | - |
| Recurring financial income75 | - | - | €8 | - |
| Financial charges65/66B | €1k | €2k | €2k | ▲ 41.3% |
| Recurring financial charges65 | €1k | €2k | €2k | ▲ 41.3% |
| Profit (loss) for the period before taxes9903 | €14k | €33k | €30k | ▼ 11.2% |
| Income taxes67/77 | €4k | €8k | €7k | ▼ 10.1% |
| Profit (loss) for the period9904 | €10k | €26k | €23k | ▼ 11.5% |
| Profit (loss) for the period to be appropriated9905 | €10k | €26k | €23k | ▼ 11.5% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €80k | €89k | €152k | ▲ 70.9% |
| Fixed assets21/28 | €44k | €36k | €80k | ▲ 122% |
| Tangible fixed assets22/27 | €44k | €36k | €75k | ▲ 108% |
| Furniture and vehicles24 | €44k | €36k | €4k | ▼ 90.2% |
| Leasing and similar rights25 | - | - | €71k | - |
| Financial fixed assets28 | - | - | €5k | - |
| Current assets29/58 | €36k | €53k | €72k | ▲ 36.4% |
| Amounts receivable within one year40/41 | €11k | €5k | €6k | ▲ 7.9% |
| Trade receivables40 | €11k | €0 | €5k | - |
| Other amounts receivable41 | €72 | €5k | €1k | ▼ 77.5% |
| Cash at bank and in hand54/58 | €23k | €47k | €65k | ▲ 38.7% |
| Deferred charges and accrued income490/1 | €2k | €858 | €2k | ▲ 92.2% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €80k | €89k | €152k | ▲ 70.9% |
| Equity10/15 | €12k | €37k | €59k | ▲ 59.7% |
| Contributions10/11 | €3k | €3k | €3k | = |
| Reserves13 | €9k | €34k | €56k | ▲ 65.0% |
| Distributable reserves133 | €9k | €34k | €56k | ▲ 65.0% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €68k | €52k | €93k | ▲ 78.8% |
| Amounts payable after more than one year17 | €30k | €18k | €61k | ▲ 233% |
| Financial debts170/4 | €30k | €18k | €61k | ▲ 233% |
| Amounts payable within one year42/48 | €39k | €34k | €32k | ▼ 6.2% |
| Current portion of amounts payable after more than one year42 | €11k | €12k | €14k | ▲ 23.0% |
| Trade debts44 | €2k | €2k | €2k | ▼ 3.9% |
| Suppliers440/4 | €2k | €2k | €2k | ▼ 3.9% |
| Taxes, remuneration and social security45 | €6k | €5k | €4k | ▼ 28.8% |
| Taxes450/3 | €6k | €5k | €4k | ▼ 28.8% |
| Other amounts payable47/48 | €20k | €16k | €12k | ▼ 20.6% |
| Accrued charges and deferred income492/3 | - | - | €725 | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €10k | €26k | €23k | ▼ 11.5% |
| + Depreciation and write-downs630 | €7k | €14k | €8k | ▼ 38.7% |
| Operating cash flow (approximation) | €17k | €40k | €31k | ▼ 21.0% |
| Investment in fixed assets (approximation) | - | €-6k | €-52k | ▼ 827% |
| Change in cash | - | €24k | €18k | ▼ 23.1% |
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
2026
24-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €26k ▲166%
Operating result €35k, net result €26k, both a record.
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Oudenaarde · 1 establishment unit since 2023
Ground area
233 m²
Building footprint
102 m²
Volume, LiDAR
720 m³
Parcel 45035A0144/00R000, Flanders · tallest building 11.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RUJAX
since 20232.346.363.484
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45035A0144/00R000 | Flanders | 233 m² | 1 · 101 m² | 11.7 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.
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Of 591 companies in sector 66300 we hold annual accounts for 365. 205 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
Founded02-06-2023
Fiscal year end31-12
Activities, NACEBEL 2025
66300Activities auxiliary to financial services and insurance activities
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
70100Activities of head offices
Scores and ratios are computed by Checked and are not a credit decision.