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 22 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
RUWET & Associés from Herstal, company number BE0807918245, closed financial year 2025 with a result of € 89,645 after tax. For that financial year RUWET & Associés recorded a gross margin of € 125,451 and equity of € 702,811. Compared with financial year 2024, the result moved from € 57,428 to € 89,645. Profitable, and profit is growing. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 21, 2025.
€ 702,811
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 89,645
▲ 56% vs 2024
Profit after tax over the fiscal year.
€ 6,988
▲ € 6,622 vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 91,426 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
€ 49,231
▼ 29% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 269,460
▼ 9% vs 2024
€ 70,352 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 30,527
▲ € 29,770 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 12,508
▲ 4% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 171,886 | € 146,041 | € 108,406 | € 125,451 | ▲ 16% |
| Profit after taxes | € 106,024 | € 95,639 | € 57,428 | € 89,645 | ▲ 56% |
| Equity | € 644,524 | € 740,164 | € 704,592 | € 702,811 | |
| Total debts | € 445,222 | € 297,272 | € 380,427 | € 373,714 | ▼ 2% |
| Cash | € 298 | € 48 | € 366 | € 6,988 | ▲ € 6,622 |
| Retained profit | € 638,324 | € 733,964 | € 698,392 | € 696,611 | |
| Dividend | € 79,000 | € 0 | € 93,000 | € 91,426 | ▼ 2% |
| Bank debt | € 314,097 | € 271,697 | € 297,390 | € 269,460 | ▼ 9% |
| Balance sheet total | € 1,089,746 | € 1,037,436 | € 1,085,019 | € 1,076,525 | ▼ 1% |
Key figures of RUWET & Associés, 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 October 2026.
What happened to RUWET & Associés?
What happened at RUWET & Associés in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 89,645 (▲ 56% vs 2024). Source: NBB ↗
- Pascal Ruwet became a director. NBB
- Start of the company according to the CBE. KBO
- New establishment in Herstal. KBO
In short
From € 106,024 profit in 2022 to € 89,645 profit in 2025.
Paid € 153,378 in corporate taxes since 2022.
Best year ever: 2022, with € 106,024 profit.
Paid out € 263,426 in dividends to the owners in total.
Management
Behind RUWET & Associés is Pascal Ruwet. It owns 100% of Immobilière et Financière du Boland and 49.8% of Fiduciaire Intégrity itself.
Directors
According to the 2025 annual accounts
since 2010
Establishments
Establishment units
Physical locations of this company
Rue des Alouettes 70
4042 Herstal
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0807.918.245
- VAT number
- BE 0807.918.245
- Registered office
- Rue des Alouettes 70, 4042 Herstal
- Names & denominations
- RUWET & Associés
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 21 November 2008
- Peppol
- Active · Active since 27 Mar 2026
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