What does OOSTKAMP-RUDDERVOORDE FINANCE do?

OOSTKAMP-RUDDERVOORDE FINANCE is an insurance broker in Oostkamp. Private Limited, started on 29 June 1993, 2 establishments.

What is the address of OOSTKAMP-RUDDERVOORDE FINANCE?

The registered office of OOSTKAMP-RUDDERVOORDE FINANCE is located at Sint-Elooisplein 12, 8020 Oostkamp.

Is OOSTKAMP-RUDDERVOORDE FINANCE still active?

Yes. According to the CBE (20 September 2026) OOSTKAMP-RUDDERVOORDE FINANCE is active, legal situation “Normale toestand”, started on 29 June 1993.

Is OOSTKAMP-RUDDERVOORDE FINANCE registered on Peppol?

Yes, OOSTKAMP-RUDDERVOORDE FINANCE is registered on the Peppol network with ID 0208:0450491457.

What is the enterprise number of OOSTKAMP-RUDDERVOORDE FINANCE?

The enterprise number of OOSTKAMP-RUDDERVOORDE FINANCE is BE0450491457.

When was OOSTKAMP-RUDDERVOORDE FINANCE founded?

OOSTKAMP-RUDDERVOORDE FINANCE was founded on 29 June 1993.

Who are the directors of OOSTKAMP-RUDDERVOORDE FINANCE?

According to the 2025 annual accounts, the directors of OOSTKAMP-RUDDERVOORDE FINANCE are: Rafa Invest BV, Sanout BV, Soblo BV.

Is OOSTKAMP-RUDDERVOORDE FINANCE a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 29 June 1993; 4 annual accounts filed, latest fiscal year 2025; 3 directors known from the annual account; 2 establishments in the CBE.

How much profit did OOSTKAMP-RUDDERVOORDE FINANCE make in 2025?

OOSTKAMP-RUDDERVOORDE FINANCE posted a profit after taxes of € 67,055 in financial year 2025.

What is the revenue of OOSTKAMP-RUDDERVOORDE FINANCE?

As a small company, OOSTKAMP-RUDDERVOORDE FINANCE is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 679,543.

How much does an employee at OOSTKAMP-RUDDERVOORDE FINANCE earn?

The average wage cost per full-time employee at OOSTKAMP-RUDDERVOORDE FINANCE was € 97,200 in 2025: staff costs of € 418,016 for 4.3 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does OOSTKAMP-RUDDERVOORDE FINANCE have?

According to the 2025 annual accounts, OOSTKAMP-RUDDERVOORDE FINANCE has 4.3 full-time equivalents (FTE).

OOSTKAMP-RUDDERVOORDE FINANCE (Private Limited)

Dossier OOSTKAMP-RUDDERVOORDE FINANCE, printed on 20 September 2026 from databakkes.be/en/0450491457/oostkamp-ruddervoorde-finance. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Tight liquidity NBB

Cash and receivables cover 22 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

OOSTKAMP-RUDDERVOORDE FINANCE from Oostkamp, company number BE0450491457, closed financial year 2025 with a result of € 67,055 after tax. For that financial year OOSTKAMP-RUDDERVOORDE FINANCE recorded a gross margin of € 679,543 and equity of € 83,185. Compared with financial year 2024, the result moved from € -4,550 to € 67,055. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 3, 2026.

What it is worth Growing

€ 83,185

▲ € 67,055 vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 67,055

▲ still € 4,550 loss in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 37,715

▲ € 29,271 vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 62,505.

People and assets in 2025

Full-time equivalents

4.3

▲ 0.3 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 418,016

▼ 39% vs 2024

€ 97,200 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.

Vehicles and equipment

€ 28,329

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 5 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 650,911

▼ 11% vs 2024

€ 130,623 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.

Owed to suppliers

€ 35,098

▼ 37% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 66,860

▼ 10% vs 2024

Taxes, VAT and social contributions still to pay.

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Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 259,046 Gross margin 2022: € 259,046 First fiscal year in the series	€ 250,218 Gross margin 2023: € 250,218 ▼ 3% vs 2022 (€ 259,046) Unfavourable step	€ 750,358 Gross margin 2024: € 750,358 ▲ 200% vs 2023 (€ 250,218) Favourable step	€ 679,543 Gross margin 2025: € 679,543 ▼ 9% vs 2024 (€ 750,358) Unfavourable step	▼ 9%
Profit after taxes	€ 40,026 Profit after taxes 2022: € 40,026 First fiscal year in the series	€ 34,011 Profit after taxes 2023: € 34,011 ▼ 15% vs 2022 (€ 40,026) Unfavourable step	€ -4,550 Profit after taxes 2024: € -4,550 ▼ € 38,561 vs 2023 (€ 34,011) Unfavourable step	€ 67,055 Profit after taxes 2025: € 67,055 ▲ € 71,604 vs 2024 (€ -4,550) Favourable step	▲ € 71,604
Equity	€ 210,926 Equity 2022: € 210,926 First fiscal year in the series	€ 95,480 Equity 2023: € 95,480 ▼ 55% vs 2022 (€ 210,926) Unfavourable step	€ 16,130 Equity 2024: € 16,130 ▼ 83% vs 2023 (€ 95,480) Unfavourable step	€ 83,185 Equity 2025: € 83,185 ▲ € 67,055 vs 2024 (€ 16,130) Favourable step	▲ € 67,055
Total debts	€ 72,811 Total debts 2022: € 72,811 First fiscal year in the series	€ 261,340 Total debts 2023: € 261,340 ▲ 259% vs 2022 (€ 72,811) Unfavourable step	€ 859,108 Total debts 2024: € 859,108 ▲ 229% vs 2023 (€ 261,340) Unfavourable step	€ 755,642 Total debts 2025: € 755,642 ▼ 12% vs 2024 (€ 859,108) Favourable step	▼ 12%
Cash	€ 70,962 Cash 2022: € 70,962 First fiscal year in the series	€ 75,860 Cash 2023: € 75,860 ▲ 7% vs 2022 (€ 70,962) Favourable step	€ 8,444 Cash 2024: € 8,444 ▼ 89% vs 2023 (€ 75,860) Unfavourable step	€ 37,715 Cash 2025: € 37,715 ▲ € 29,271 vs 2024 (€ 8,444) Favourable step	▲ € 29,271
Retained profit	€ 124,126 Retained profit 2022: € 124,126 First fiscal year in the series	€ 8,680 Retained profit 2023: € 8,680 ▼ 93% vs 2022 (€ 124,126) Unfavourable step	€ -4,550 Retained profit 2024: € -4,550 ▼ € 13,230 vs 2023 (€ 8,680) Unfavourable step	€ 62,505 Retained profit 2025: € 62,505 ▲ € 67,055 vs 2024 (€ -4,550) Favourable step	▲ € 67,055
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 149,457 Dividend 2023: € 149,457 Unchanged (€ 0) Unchanged	€ 8,680 Dividend 2024: € 8,680 ▼ 94% vs 2023 (€ 149,457) Unchanged	€ 0 Dividend 2025: € 0 ▼ 100% vs 2024 (€ 8,680) Unchanged	▼ 100%
Bank debt	€ 44,979 Bank debt 2022: € 44,979 First fiscal year in the series	€ 81,124 Bank debt 2023: € 81,124 ▲ 80% vs 2022 (€ 44,979) Unfavourable step	€ 728,718 Bank debt 2024: € 728,718 ▲ € 647,594 vs 2023 (€ 81,124) Unfavourable step	€ 650,911 Bank debt 2025: € 650,911 ▼ 11% vs 2024 (€ 728,718) Favourable step	▼ 11%
Balance sheet total	€ 283,738 Balance sheet total 2022: € 283,738 First fiscal year in the series	€ 356,820 Balance sheet total 2023: € 356,820 ▲ 26% vs 2022 (€ 283,738) Unchanged	€ 875,239 Balance sheet total 2024: € 875,239 ▲ 145% vs 2023 (€ 356,820) Unchanged	€ 838,826 Balance sheet total 2025: € 838,826 ▼ 4% vs 2024 (€ 875,239) Unchanged	▼ 4%
Employees (FTE)	-	2 Employees (FTE) 2023: 2 First fiscal year in the series	4 Employees (FTE) 2024: 4 ▲ 2 vs 2023 (2) Unchanged	4.3 Employees (FTE) 2025: 4.3 ▲ 0.3 vs 2024 (4) Unchanged	▲ 0.3

Key figures of OOSTKAMP-RUDDERVOORDE FINANCE, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.

What happened to OOSTKAMP-RUDDERVOORDE FINANCE?

What happened at OOSTKAMP-RUDDERVOORDE FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jul 3, 2026 New annual accounts for financial year 2025: profit of € 67,055. Source: NBB ↗
2025 Sanout BV became a director. NBB
Sep 1, 2023 New establishment in Oostkamp. KBO
2023 Rafa Invest BV became a director. NBB
2023 Soblo BV became a director. NBB
Oct 22, 2001 New establishment in Oostkamp. KBO
Jun 29, 1993 Start of the company according to the CBE. KBO

In short

From € 40,026 profit in 2022 to € 67,055 profit in 2025.

Paid € 79,396 in corporate taxes since 2022.

Best year ever: 2025, with € 67,055 profit.

On average € 158,000 of value added per employee in 2025.

Original PDFs at the National Bank ↗

A new publication or filing at OOSTKAMP-RUDDERVOORDE FINANCE? We notify you, reason included.

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My folder 3 companies

De Lijn 8 June 2026 New annual account 2025

filed on 8 June 2026

What was left

€ 20 k ▼ 91%
Money in the bank

€ 178 k ▼ 98%

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NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit

Real filings at the National Bank

Management

Soblo 40%

Rafa Invest 40%

MIA SAN MIA 33.3%

SANOUT 20%

The stake of Soblo, Rafa Invest, MIA SAN MIA, SANOUT comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

OOSTKAMP-RUDDERVOORDE FINANCE

Behind OOSTKAMP-RUDDERVOORDE FINANCE are Rafa Invest BV, Sanout BV and Soblo BV. The shares are held by Soblo (40%), Rafa Invest (40%), MIA SAN MIA (33.3%) and SANOUT (20%).

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