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JUWELEN RUBY & MODE ACCESSOIRES

Active
Private limited companyfounded 2023active for 3 yearsHeldenlaan 37, 3583 Beringen, BelgiumKBO/BCE: BE 0805.544.913
Summary

The computed 12-month bankruptcy probability of JUWELEN RUBY & MODE ACCESSOIRES is 3.7% (moderate). The 2025 annual accounts show equity of €35,680 and a net result of -€19,980. Its solvency ranks better than 46% of 12,397 sector peers (NACE 47, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Retail sale of watches and jewellery
NACE 47770
1 site
Size
€108,892total assets 2025
Equity
€35,680
Loss
-€19,980
Turnover not published (abbreviated or micro format)
Financial health
47 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
3.7%
Structure
Accounts filed 54 days late0 of 1 deed read
Why 47raises riskFounded in 2023Latest accounts 54 days late; 1 of the last 3 lateLiquidity: current ratio 1.15, cash €1,036, halvedSector: Retail trade (NACE 47)Show the evidence

Checked score

Score 2025
47 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 21% of its sector peers (NACE 47, micro)
Financial strength · tick = 2024
Weak
Solvency 58-26
equity 32.8% of total assets
Liquidity 15-31
short-term debt 67.2% · cash 1.0%
Profitability 0=
return on assets -18.3%
Bankruptcy probability, 12 months
3.7% Moderate
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,192 companies, NACE 47, micro)
Last 24 months 11-2024: 1.9% 12-2024: 1.9%● unchanged vs 11-2024 01-2025: 2.3%▲ +0.4 percentage points vs 12-2024 02-2025: 2.6%▲ +0.3 percentage points vs 01-2025 03-2025: 2.6%● unchanged vs 02-2025 04-2025: 2.9%▲ +0.3 percentage points vs 03-2025 05-2025: 2.9%● unchanged vs 04-2025 06-2025: 2.8%▼ -0.1 percentage points vs 05-2025 07-2025: 1.4%▼ -1.4 percentage points vs 06-2025 08-2025: 1.4%● unchanged vs 07-2025 09-2025: 1.4%● unchanged vs 08-2025 10-2025: 1.5%▲ +0.1 percentage points vs 09-2025 11-2025: 1.5%● unchanged vs 10-2025 12-2025: 1.5%● unchanged vs 11-2025 01-2026: 1.5%● unchanged vs 12-2025 02-2026: 1.5%● unchanged vs 01-2026 03-2026: 1.4%▼ -0.1 percentage points vs 02-2026 04-2026: 1.4%● unchanged vs 03-2026 05-2026: 1.5%▲ +0.1 percentage points vs 04-2026 06-2026: 1.4%▼ -0.1 percentage points vs 05-2026lowest value 07-2026: 1.4%● unchanged vs 06-2026 08-2026: 2.0%▲ +0.6 percentage points vs 07-2026 09-2026: 2.3%▲ +0.3 percentage points vs 08-2026 10-2026: 3.7%▲ +1.4 percentage points vs 09-2026highest value
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity tight (current ratio 1.15, compared with 1.75 in 2024; short-term debt: 67.2% and cash: 1% of total assets), and 67.2% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 48% on solvency, 15% on liquidity, 6% on profitability and 14% on growth.

The bankruptcy probability was computed on 12-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
raises riskneutral
raises risk · Founded in 2023
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Latest accounts 54 days late; 1 of the last 3 late
NBB · filings
raises risk · Liquidity: current ratio 1.15, cash €1,036, halved
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
2425
2024 to 2025 · latest year -€19,980
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filings
Deviation from the deadline
2025
54 days late
2024
34 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 10 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven months
Where today falls in the filing period
12-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2023.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Caution: Among the weakest 14% on net resultsector median €28,327 · 12,385 companies -€19,980 View
  • Total assets 20252 financial years filed €108,892 View
  • Active since 2023founded 06-09-2023 3 years View

By topic

Financials

Financial year
2025
Total assets
€108,892
Loss
-€19,980
Solvency
32.8%
Total assets▲ 16.0%
Net result
20242025
Go to Financials

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of watches and jewelleryNACE 47770
Founded
06-09-2023
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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