I think you have has_one and belongs_to mixed up.
Take a look at Is it a belongs to or has_one association here
with the columns you have:
class Productor < ActiveRecord::Base
belongs_to :user, :inverse_of => :productor
end
class Company < ActiveRecord::Base
belongs_to :user, :inverse_of => :company
end
class User < ActiveRecord::Base
has_one :productor, :inverse_of => :user
has_one :company, :inverse_of => :user
end