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 51 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
RJ CONCEPT TOITURE from La Louvière, company number BE0768267615, closed financial year 2024 with a result of € 1,803 after tax. For that financial year RJ CONCEPT TOITURE recorded a gross margin of € 117,264 and equity of € 79,516. Compared with financial year 2023, the result moved from € 29,989 to € 1,803. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on October 2, 2025.
€ 79,516
▲ 2% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 1,803
▼ 94% vs 2023
Profit after tax over the fiscal year.
€ 3,364
▼ 75% vs 2023
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2024. Retained profit grew to € 74,516.
People and assets in 2024
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 90,068
▼ 21% vs 2023
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 21,168
▲ 102% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 36,406
€ 7,801 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 73,841
▲ € 60,005 vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 17,067
▼ 40% vs 2023
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 22,899 | € 120,033 | € 167,156 | € 117,264 | ▼ 30% |
| Profit after taxes | € 6,228 | € 36,496 | € 29,989 | € 1,803 | ▼ 94% |
| Equity | € 11,228 | € 47,724 | € 77,713 | € 79,516 | ▲ 2% |
| Total debts | € 39,098 | € 79,601 | € 51,578 | € 128,214 | ▲ 149% |
| Cash | € 8,199 | € 15,145 | € 13,277 | € 3,364 | ▼ 75% |
| Retained profit | € 6,228 | € 42,724 | € 72,713 | € 74,516 | ▲ 2% |
| Bank debt | € 0 | € 0 | € 0 | € 36,406 | |
| Balance sheet total | € 50,327 | € 127,325 | € 129,291 | € 207,730 | ▲ 61% |
Key figures of RJ CONCEPT TOITURE, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to RJ CONCEPT TOITURE?
What happened at RJ CONCEPT TOITURE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: profit of € 1,803 (▼ 94% vs 2023). filed late Source: NBB ↗
- New establishment in La Louvière. KBO
- JOHAN RUTTAR became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 6,228 profit in 2021 to € 1,803 profit in 2024.
Paid € 23,710 in corporate taxes since 2021.
Best year ever: 2022, with € 36,496 profit.
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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 RJ CONCEPT TOITURE is JOHAN RUTTAR.
Directors
According to the 2024 annual accounts
JOHAN RUTTAR
Director
since 2021
Establishments
Establishment units
Physical locations of this company
Rue de la Garenne(M) 19A box 103
7110 La Louvière
Rue de la Garenne(M) 19a box 103
7110 La Louvière
Active since 1 June 2021
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0768.267.615
- VAT number
- BE 0768.267.615
- Registered office
- Rue de la Garenne(M) 19A bus 103, 7110 La Louvière
- Names & denominations
- RJ CONCEPT TOITURE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 10 May 2021
- Peppol
- Active · Active since 2 Jan 2026
- Contact
- [email protected] +32492778872
- Activities · NACE
Dakwerkzaamheden
Installatie van isolatie
Waterdichtingswerken van muren
Isolatiewerkzaamheden