diff --git a/spring-boot-project/spring-boot-autoconfigure/src/main/java/org/springframework/boot/autoconfigure/ssl/SslPropertiesBundleRegistrar.java b/spring-boot-project/spring-boot-autoconfigure/src/main/java/org/springframework/boot/autoconfigure/ssl/SslPropertiesBundleRegistrar.java
index 531fb8d574..810ff772a3 100644
--- a/spring-boot-project/spring-boot-autoconfigure/src/main/java/org/springframework/boot/autoconfigure/ssl/SslPropertiesBundleRegistrar.java
+++ b/spring-boot-project/spring-boot-autoconfigure/src/main/java/org/springframework/boot/autoconfigure/ssl/SslPropertiesBundleRegistrar.java
@@ -16,8 +16,6 @@
 
 package org.springframework.boot.autoconfigure.ssl;
 
-import java.io.FileNotFoundException;
-import java.io.UncheckedIOException;
 import java.net.URL;
 import java.nio.file.Path;
 import java.util.LinkedHashSet;
@@ -106,10 +104,10 @@ class SslPropertiesBundleRegistrar implements SslBundleRegistrar {
 			URL url = ResourceUtils.getURL(value);
 			Assert.state("file".equalsIgnoreCase(url.getProtocol()),
 					() -> "SSL bundle '%s' '%s' URL '%s' doesn't point to a file".formatted(bundleName, field, url));
-			return Path.of(url.getFile()).toAbsolutePath();
+			return Path.of(url.toURI()).toAbsolutePath();
 		}
-		catch (FileNotFoundException ex) {
-			throw new UncheckedIOException(
+		catch (Exception ex) {
+			throw new RuntimeException(
 					"SSL bundle '%s' '%s' location '%s' cannot be watched".formatted(bundleName, field, value), ex);
 		}
 	}
diff --git a/spring-boot-project/spring-boot-autoconfigure/src/test/java/org/springframework/boot/autoconfigure/ssl/FileWatcherTests.java b/spring-boot-project/spring-boot-autoconfigure/src/test/java/org/springframework/boot/autoconfigure/ssl/FileWatcherTests.java
index e680479d0e..ef09b28481 100644
--- a/spring-boot-project/spring-boot-autoconfigure/src/test/java/org/springframework/boot/autoconfigure/ssl/FileWatcherTests.java
+++ b/spring-boot-project/spring-boot-autoconfigure/src/test/java/org/springframework/boot/autoconfigure/ssl/FileWatcherTests.java
@@ -111,7 +111,7 @@ class FileWatcherTests {
 		Path directory = tempDir.resolve("dir1");
 		assertThatExceptionOfType(UncheckedIOException.class)
 			.isThrownBy(() -> this.fileWatcher.watch(Set.of(directory), new WaitingCallback()))
-			.withMessageMatching("Failed to register paths for watching: \\[.+/dir1]");
+			.withMessage("Failed to register paths for watching: [%s]".formatted(directory));
 	}
 
 	@Test