Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 1 of the last 4 fiscal years.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
Financials
Financial year 2025
RUGGIERO Construction et Rénovation from Andenne, company number BE0686701503, closed financial year 2025 with a result of € -19,292 after tax. For that financial year RUGGIERO Construction et Rénovation recorded a gross margin of € 79,266 and equity of € -742. Compared with financial year 2024, the result moved from € -19,768 to € -19,292. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 30, 2026.
€ -742
▼ € 19,292 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -19,292
▲ 2 % less loss than in 2024
Profit after tax over the fiscal year.
€ 53,457
▲ 7% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -6,942.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 59,066
▲ 12% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 547
▼ 65% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 300,149
▼ 3% vs 2024
€ 15,692 is repaid this year. At this pace the long-term loan is gone in ≈ 19 years.
€ 13,957
▲ 38% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 10,053
▲ 290% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 34,322 | € 63,990 | € 63,574 | € 79,266 | ▲ 25% |
| Profit after taxes | € -454 | € -15,409 | € -19,768 | € -19,292 | ▲ € 476 |
| Equity | € 53,727 | € 38,318 | € 18,550 | € -742 | ▼ € 19,292 |
| Total debts | € 117,309 | € 305,903 | € 325,265 | € 329,245 | ▲ 1% |
| Cash | € 40,173 | € 34,770 | € 50,021 | € 53,457 | ▲ 7% |
| Land & buildings | € 101,402 | € 264,914 | € 253,139 | € 245,440 | ▼ 3% |
| Retained profit | € 47,527 | € 32,118 | € 12,350 | € -6,942 | ▼ € 19,292 |
| Bank debt | € 93,005 | € 284,593 | € 309,320 | € 300,149 | ▼ 3% |
| Balance sheet total | € 171,035 | € 344,221 | € 343,815 | € 328,503 | ▼ 4% |
Key figures of RUGGIERO Construction et Rénovation, 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 RUGGIERO Construction et Rénovation?
What happened at RUGGIERO Construction et Rénovation in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 19,292. Source: NBB ↗
- New establishment in Andenne. KBO
- Start of the company according to the CBE. KBO
In short
From € 454 loss in 2022 to € 19,292 loss in 2025.
Paid € 825 in corporate taxes since 2022.
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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%
Open the dossier →
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
Management
Behind RUGGIERO Construction et Rénovation is STEFANO RUGGIERO.
Directors
According to the 2025 annual accounts
STEFANO RUGGIERO
Director
Establishments
Establishment units
Physical locations of this company
Rue de Rouvroy 287E
5300 Andenne
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0686.701.503
- VAT number
- BE 0686.701.503
- Registered office
- Rue de Rouvroy 287E, 5300 Andenne
- Names & denominations
- RUGGIERO Construction et Rénovation · RUGGIERO Construction
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 21 December 2017
- Peppol
- Active · Active since 28 Nov 2025
- Activities · NACE
Overige gespecialiseerde bouwactiviteiten, neg
Metselwerk
Restaureren van bouwwerken
Uitvoeren van metsel- en voegwerken
Bouwrijp maken van terreinen
Overige werkzaamheden in verband met de afwerking van gebouwen
Landschapsverzorging
Overige bouwinstallatie
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