W. RUTS MANAGEMENT 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 €103k and a net result of €34k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 52% of 7994 sector peers (fiscal year 2025). The company has been active since 2008 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 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
22 d early
2023
12 d early
2022
on the day
2021
12 d early
2020
23 d early
2019
1 d early
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€103k▼ 32.4%
2024 · €152k
2018: €143k
2019: €135k
2020: €104k
2021: €113k
2022: €120k
2023: €139k
2024: €152k
2018 → 2025
Net result
€34k▼ 5.0%
2024 · €36k
2018: €16k
2019: €17k
2020: €22k
2021: €35k
2022: €28k
2023: €36k
2024: €36k
2018 → 2025
Total assets
€190k▲ 4.9%
2024 · €181k
2018: €156k
2019: €163k
2020: €193k
2021: €173k
2022: €170k
2023: €178k
2024: €181k
2018 → 2025
Solvency
54.1%▼ 29.8pp
2024 · 83.9%
2018: 91.7%
2019: 82.7%
2020: 53.8%
2021: 65.0%
2022: 70.7%
2023: 78.2%
2024: 83.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€113k-€120k▲ 6.8%€139k▲ 15.7%€152k▲ 9.2%€103k▼ 32.4%
Operating result€38k-€40k▲ 4.7%€45k▲ 14.0%€47k▲ 3.3%€43k▼ 8.4%
Net result€35k-€28k▼ 19.4%€36k▲ 25.1%€36k▲ 1.1%€34k▼ 5.0%
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 falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €190k
Fixed assets
€27k▼ 10.7%
Current assets
€163k▲ 8.0%
Equity and liabilities €190k
Equity
€103k▼ 32.4%
Debt
€87k▲ 199%
The debt ratio rises from 16.1% to 45.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
54.1%▼
2024 · 83.9%
ROE
33.3%▲
2024 · 23.7%
ROA
18.0%▼
2024 · 19.9%
Debt
€87k▲
2024 · €29k
Debt ≤ 1 year
€87k▲
2024 · €29k
Income taxes
€13k▼
2024 · €14k
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€181k€190k▲
Fixed assets21/28€30k€27k▼
Tangible fixed assets22/27€7k€3k▼
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24-€2k
Leasing and similar rights25€5k€0▼
Financial fixed assets28€24k€24k=
Current assets29/58€151k€163k▲
Amounts receivable after more than one year29€54k€47k▼
Other amounts receivable291€54k€47k▼
Amounts receivable within one year40/41€7k€7k▲
Other amounts receivable41€7k€7k▲
Current investments50/53€23k€23k=
Cash at bank and in hand54/58€68k€86k▲
Deferred charges and accrued income490/1€11€11=
Equity and liabilities
Total equity and liabilities10/49€181k€190k▲
Equity10/15€152k€103k▼
Contributions10/11€0-
Reserves13€152k€103k▼
Distributable reserves133€152k€103k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€29k€87k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€29k€87k▲
Current portion of amounts payable after more than one year42€5k€0▼
Trade debts44€997€142▼
Suppliers440/4€997€142▼
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€3k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€18k€84k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€56k€51k▼
Operating profit (loss)9901€47k€43k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€2k€4k▲
Non-recurring financial income76B€1k€0▼
Financial charges65/66B€179€99▼
Recurring financial charges65€179€99▼
Profit (loss) for the period before taxes9903€50k€47k▼
Income taxes67/77€14k€13k▼
Profit (loss) for the period9904€36k€34k▼
Profit (loss) for the period to be appropriated9905€36k€34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€34k▼
Transfer from equity791/2€15k€82k▲
Transfer to equity691/2€35k€33k▼
To other reserves6921€35k€33k▼
Profit to be distributed694/7€17k€83k▲
Return on contributions (dividend)694€17k€83k▲
The notes to these accounts (12 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €36k ▲1.1%
Operating result €47k, net result €36k, both a record.
31-12
Financial
Equity above €150kEq €152k ▲9.2%
7 profitable years in a row build equity to €152k.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Wuustwezel · 1 establishment unit since 2016
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.
Lindenlaan 52990 WuustwezelGround area
775 m²
Building footprint
139 m²
Volume, LiDAR
877 m³
Parcel 11053D0969/00N000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
W.RUTS MANAGEMENT
since 20162.252.323.766
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11053D0969/00N000 | Flanders | 775 m² | 1 · 139 m² | 9.2 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. 12,379 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2008
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.