JUWELEN RUBY & MODE ACCESSOIRES
ActiveSummary
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 12,737 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
- Equity
- €35,680
- Loss
- -€19,980
Why 47raises riskFounded in 2023Last filed accounts filed 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
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
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 30-10-2026 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
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)
- Annual accounts filedfinancial year 2025 · abbreviated…
- Annual accounts filedfinancial year 2024 · micro…
- IncorporationAppointment: COLLIN-VALCKENAERE Soisick (director) ·…
Financials · financial year 2025, abbreviated format
2025 annual accounts filed late (54 days) Filed on 23 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00538121.
2024 to 2025, 2 financial years
The operating result stays negative: a loss of €19,399 in 2025 against €24,156 in 2024; the loss shrinks.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 3,223 companies that looked in July 2024 the way this one looks now, 3.4% went bankrupt within 24 months and 87.8% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 3.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,223 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,754 | €6,136 | ▲ 29.1% |
| Other operating charges640/8 | €147 | - | - |
| Gross operating margin9900 | -€19,255 | -€13,263 | ▲ 31.1% |
| Operating profit (loss)9901 | -€24,156 | -€19,399 | ▲ 19.7% |
| Financial income75/76B | - | €35 | - |
| Recurring financial income75 | - | €35 | - |
| Financial charges65/66B | €184 | €616 | ▲ 235% |
| Recurring financial charges65 | €184 | €616 | ▲ 235% |
| Profit (loss) for the period before taxes9903 | -€24,340 | -€19,980 | ▲ 17.9% |
| Profit (loss) for the period9904 | -€24,340 | -€19,980 | ▲ 17.9% |
| Profit (loss) for the period to be appropriated9905 | -€24,340 | -€19,980 | ▲ 17.9% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €93,853 | €108,892 | ▲ 16.0% |
| Fixed assets21/28 | €27,092 | €24,676 | ▼ 8.9% |
| Tangible fixed assets22/27 | €21,242 | €18,826 | ▼ 11.4% |
| Plant, machinery and equipment23 | €21,242 | €7,657 | ▼ 64.0% |
| Furniture and vehicles24 | - | €11,170 | - |
| Financial fixed assets28 | €5,850 | €5,850 | = |
| Current assets29/58 | €66,760 | €84,216 | ▲ 26.1% |
| Stocks and contracts in progress3 | €52,881 | €83,180 | ▲ 57.3% |
| Stocks30/36 | €52,881 | €83,180 | ▲ 57.3% |
| Amounts receivable within one year40/41 | €2,353 | - | - |
| Trade receivables40 | €305 | - | - |
| Other amounts receivable41 | €2,048 | - | - |
| Cash at bank and in hand54/58 | €11,526 | €1,036 | ▼ 91.0% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €93,853 | €108,892 | ▲ 16.0% |
| Equity10/15 | €55,660 | €35,680 | ▼ 35.9% |
| Contributions10/11 | €80,000 | €80,000 | = |
| Capital10 | €80,000 | €80,000 | = |
| Issued capital100 | €80,000 | €80,000 | = |
| Profit (loss) carried forward14 | -€24,340 | -€44,320 | ▼ 82.1% |
| Amounts payable17/49 | €38,193 | €73,213 | ▲ 91.7% |
| Amounts payable within one year42/48 | €38,193 | €73,213 | ▲ 91.7% |
| Trade debts44 | €7,334 | €1,989 | ▼ 72.9% |
| Suppliers440/4 | €7,334 | €1,989 | ▼ 72.9% |
| Taxes, remuneration and social security45 | - | €587 | - |
| Taxes450/3 | - | €587 | - |
| Other amounts payable47/48 | €30,859 | €70,637 | ▲ 129% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€24,340 | -€19,980 | ▲ 17.9% |
| + Depreciation and write-downs630 | €4,754 | €6,136 | ▲ 29.1% |
| Operating cash flow (approximation) | -€19,586 | -€13,844 | ▲ 29.3% |
| Investment in fixed assets (approximation) | - | -€3,720 | - |
| Change in cash | - | -€10,490 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (2)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 23-09-2026 | 2026-00538121 |
| 31-12-2024 | micro format | 27-06-2025 | 2025-00192287 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| COLLIN-VALCKENAERE Soisick |
|
Owners and capital
Capital and shareholders
- COLLIN-VALCKENAERE Soisick 100 shares (100%) · €80,000
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 08-09-2023 Incorporation · €80,000 · 100 shares
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
JUWELEN RUBY & MODE ACCESSOIRES was incorporated on 6 September 2023 as a private limited company by one natural person, with a starting capital of €80,000.12 Since 2023, COLLIN-VALCKENAERE Soisick has served as director of the company.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Acts, filings and financial milestones
08-09
Gazette deed
IncorporationAppointment: COLLIN-VALCKENAERE Soisick (director) · Founder · Founding capital9 facts ▸
- Founder, COLLIN-VALCKENAERE Soisick
- Incorporation, 05-09-2023
- Founding capital, €80,000
- Bank account, EUR, “bijzondere rekening geopend namens de vennootschap in oprichting” (deed in Dutch)
- Other provision, “bevestiging deponering aanvangsvermogen, deponering heeft plaatsgevonden overeenkomstig bepalingen Wetboek van vennootschappen en verenigingen” (deed in Dutch)
- Board rule, 1
- Director appointment, COLLIN-VALCKENAERE Soisick (director (not named in the articles))
- Registered office clause, “3583 Beringen (Paal), Heldenlaan 37/1” (deed in Dutch)
- Pre-incorporation commitments, “takeover, alle verbintenissen en verplichtingen die eruit voortvloeien, en alle activiteiten” (deed in Dutch)
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 31 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 71382C0569/00L000 | Flanders | 371 m² | 1 · 346 m² | 9.8 m · 1 |
How the parcels are linked
Articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- JUWELEN RUBY & MODE ACCESSOIRES
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaamse Gewest” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- “Met of zonder beperking van duur, bestuursorgaan” (deed in Dutch)“Alle handelingen nodig of nuttig voor verwezenlijking voorwerp, behalve deze die wet of statuten aan algemene vergadering voorbehouden” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Last Monday of June at 18:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Vormen vereist voor statutenwijziging, op elk moment” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- One provision in the deed