Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 61 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
RUYMAEKERS-FERNANDE from Kapellen, company number BE0747826052, closed financial year 2025 with a result of € 224,219 after tax. For that financial year RUYMAEKERS-FERNANDE recorded a gross margin of € 732,577 and equity of € 23,588. Compared with financial year 2024, the result moved from € 237,958 to € 224,219. The company is profitable. The buffer shrank hard: equity is 76 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on April 18, 2026.
€ 23,588
▼ 76% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 224,219
▼ 6% vs 2024
Profit after tax over the fiscal year.
€ 207,026
▲ € 157,763 vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 300,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
7.3
▼ 1.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 282,777
▼ 22% vs 2024
€ 38,700 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.
Debts at end 2025
€ 456,038
▼ 16% vs 2024
€ 89,262 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 174,424
▲ 78% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 28,115
▼ 65% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 524,000 | € 648,389 | € 838,197 | € 732,577 | ▼ 13% |
| Profit after taxes | € 40,015 | € 111,904 | € 237,958 | € 224,219 | ▼ 6% |
| Equity | € 94,506 | € 206,411 | € 99,369 | € 23,588 | ▼ 76% |
| Total debts | € 990,424 | € 1,005,300 | € 879,607 | € 902,542 | ▲ 3% |
| Cash | € 241,172 | € 434,717 | € 49,263 | € 207,026 | ▲ € 157,763 |
| Land & buildings | € 298,800 | € 282,200 | € 265,600 | € 249,000 | ▼ 6% |
| Retained profit | € 74,506 | € 186,411 | € 79,369 | € 3,588 | ▼ 95% |
| Dividend | € 0 | € 0 | € 345,000 | € 300,000 | ▼ 13% |
| Bank debt | € 673,686 | € 628,761 | € 543,180 | € 456,038 | ▼ 16% |
| Balance sheet total | € 1,084,930 | € 1,211,711 | € 978,976 | € 926,130 | ▼ 5% |
| Employees (FTE) | 8.3 | 8.2 | 8.4 | 7.3 | ▼ 1.1 |
Key figures of RUYMAEKERS-FERNANDE, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
What happened to RUYMAEKERS-FERNANDE?
What happened at RUYMAEKERS-FERNANDE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 224,219 (▼ 6% vs 2024). Source: NBB ↗
- New establishment in Kapellen. KBO
- Start of the company according to the CBE. KBO
In short
From € 40,015 profit in 2022 to € 224,219 profit in 2025.
Paid € 220,017 in corporate taxes since 2022.
Best year ever: 2024, with € 237,958 profit.
On average € 100,400 of value added per employee in 2025.
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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 RUYMAEKERS-FERNANDE are Lucas Ruymaekers and Birgit Fernande.
Directors
According to the 2025 annual accounts
Lucas Ruymaekers
Director
Birgit Fernande
Director
Establishments
Establishment units
Physical locations of this company
Dorpsstraat 55
2950 Kapellen
Dorpsstraat 57
2950 Kapellen
Active since 3 June 2020
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0747.826.052
- VAT number
- BE 0747.826.052
- Registered office
- Dorpsstraat 55, 2950 Kapellen
- Names & denominations
- RUYMAEKERS-FERNANDE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 3 June 2020
- Peppol
- Active · Active since 26 Jun 2025
- Activities · NACE
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