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Complete company report
Generated 12-08-2026
Active BE 0455.277.319Public limited company

ORUB

Nieuwe Abelestraat 20 ·8800 Roeselare, Belgium· 31 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of ORUB is 0.7% (low). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 31 yrs
Board 4
Locations 1
Publications 5
Bankruptcy probability (12 mo) Checked model v1 · free
0.7% Low
0%0,5%1,5%4%10%≥25%
No NACE activity registered +Long track record −Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1995, 31 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financial overview10 NBB filings
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2024 (micro). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 micro 30-06-2025 2025-00203906
31-12-2023 micro 24-05-2024 2024-00095636
31-12-2022 micro 12-05-2023 2023-00086065
31-12-2021 micro 03-08-2022 2022-20266189
31-12-2020 micro 14-07-2021 2021-35100276
31-12-2019 micro 03-09-2020 2020-50400494
31-12-2018 micro 14-05-2019 2019-13200049
31-12-2017 micro 16-07-2018 2018-33600494
31-12-2016 verkort 13-07-2017 2017-31100384
31-12-2015 verkort 01-06-2016 2016-14500588
Directors & mandates 5 directors
Directors derived from a single State Gazette act, under verification
All 4 current directors first appear in the same act (25133429). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
  • Siska Dedeyne
    Director
    State Gazette act 25133429 (21-10-2025)
    Current
    18-06-2015 → present
    6 events
    • 28-05-2025 Mandate renewed· Director
    • 28-05-2025 Mandate renewed· Managing director
    • 28-05-2019 Mandate renewed· Director
    • 28-05-2019 Appointed· Managing director
    • 18-06-2015 Appointed· Director
    • 18-06-2015 Appointed· Managing director
  • Eric Despiegelaere
    Director
    State Gazette act 25133429 (21-10-2025)
    Current
    23-10-2013 → present
    3 events
    • 28-05-2025 Mandate renewed· Director
    • 28-05-2019 Mandate renewed· Director
    • 23-10-2013 Mandate renewed· Director
  • Luc Despiegelaere
    Director
    State Gazette act 25133429 (21-10-2025)
    Current
    23-10-2013 → present
    3 events
    • 28-05-2025 Mandate renewed· Director
    • 28-05-2019 Mandate renewed· Director
    • 23-10-2013 Mandate renewed· Director
  • Patrick Despiegelaere
    Director
    State Gazette act 25133429 (21-10-2025)
    Current
    23-10-2013 → present
    6 events
    • 28-05-2025 Mandate renewed· Director
    • 28-05-2025 Mandate renewed· Managing director
    • 28-05-2019 Mandate renewed· Director
    • 28-05-2019 Appointed· Managing director
    • 23-10-2013 Mandate renewed· Director
    • 23-10-2013 Appointed· Managing director
Former directors (1)
  • Yves Despiegelaere
    Director
    State Gazette act 13161244 (23-10-2013)
    Former
    23-10-2013 → 18-06-2015
    4 events
    • 18-06-2015 Resigned· Director
    • 18-06-2015 Resigned· Managing director
    • 23-10-2013 Mandate renewed· Director
    • 23-10-2013 Appointed· Managing director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary -
Legal form Public limited company(014)
Incorporation29-05-1995
StatusActive
Postal code8800
Establishment units 1 location
ORUB NV
Nieuwe Abelestraat 20, 8800 RoeselareOverige financiële instellingen, n.e.g.
since 19952.072.390.350
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
36017A1287/00F000 Flanders 9,205 m² 1 · 2,427 m² 14.4 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 15 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
21-10-2025
State Gazette act Director changes
v3.2
30-06-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
24-05-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
12-05-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
26-10-2022
State Gazette act Statutes amendment
v3.2
03-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
14-07-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
03-09-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
28-05-2019
State Gazette act Director changes
v3.2
14-05-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
16-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
13-07-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
2016
01-06-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2015
14-10-2015
State Gazette act Director changes
v3.2
2013
23-10-2013
State Gazette act Director changes
v3.2
Belgisch Staatsblad, acts 5 acts
All acts · 5 updated 9 months ago
2025
21-10-2025 6 reappointed Director changes
  • Siska Dedeyne, Bestuurder
  • Eric Despiegelaere, Bestuurder
  • Patrick Despiegelaere, Bestuurder
  • Luc Despiegelaere, Bestuurder
  • Siska Dedeyne, Gedelegeerd bestuurder
  • Patrick Despiegelaere, Gedelegeerd bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Siska Dedeyne",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-05-28",
      "evidence_quote": "De vergadering beslist heeft om volgende personen te herbenoemen als bestuurder, met ingang van 28/05/2025, tot net na de gewone algemene vergadering gehouden in 2030: * Siska Dedeyne, wonende te 7540 Kain, Rue d\u0027Omerie 7;"
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Eric Despiegelaere",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-05-28",
      "evidence_quote": "De vergadering beslist heeft om volgende personen te herbenoemen als bestuurder, met ingang van 28/05/2025, tot net na de gewone algemene vergadering gehouden in 2030: * Eric Despiegelaere, wonende te 8770 Ingelmunster, Izegemstraat 170;"
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Patrick Despiegelaere",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-05-28",
      "evidence_quote": "De vergadering beslist heeft om volgende personen te herbenoemen als bestuurder, met ingang van 28/05/2025, tot net na de gewone algemene vergadering gehouden in 2030: Patrick Despiegelaere, wonende te 8870 Izegem, Baronielaan 16;"
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Luc Despiegelaere",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-05-28",
      "evidence_quote": "De vergadering beslist heeft om volgende personen te herbenoemen als bestuurder, met ingang van 28/05/2025, tot net na de gewone algemene vergadering gehouden in 2030: * Luc Despiegelaere, wonende te 8300 Knokke, Boslaan 24;"
    },
    {
      "kind": "director_renew",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Siska Dedeyne",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-05-28",
      "evidence_quote": "De vergadering beslist heeft om herbenoemen als gedelegeerd bestuurder, met ingang van 28/05/2025 voor zolang hun bestuursmandaat loopt: * Siska Dedeyne, wonende te 7540 Kain, Rue d\u0027Omerie 7;"
    },
    {
      "kind": "director_renew",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Patrick Despiegelaere",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-05-28",
      "evidence_quote": "De vergadering beslist heeft om herbenoemen als gedelegeerd bestuurder, met ingang van 28/05/2025 voor zolang hun bestuursmandaat loopt: * Patrick Despiegelaere, wonende te 8870 Izegem, Baronielaan 16;"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0455.277.319",
    "name_full": "ORUB",
    "legal_form": "NV"
  }
}
2022
26-10-2022 Articles of association amended Statutes amendment
Summary: v3.2
Technical details 
{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "statute_change": {
    "name_change": false,
    "seat_change": false,
    "object_change": true,
    "effective_date": "2022-10-18",
    "legal_form_change": false
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0455.277.319",
    "name_full": "ORUB",
    "legal_form": "NV"
  },
  "signature_regime": "joint_all",
  "special_mandates": [
    {
      "quote": "Benoeming tot bijzondere gemachtigden, die elk afzonderlijk kunnen optreden om alle formaliteiten inzake inschrijving, wijziging of stopzetting bij het ondernemingsloket en de Kruispuntbank van Ondernemingen alsmede bij de administratie voor de BTW te vervullen en te dien einde ook alle hoe genaamde stukken en akten te tekenen, inclusief alle benodigde documenten en formulieren jegens de bevoegde instanties en de ondernemingsrechtbank, met name de medewerkers van kantoor Vandelanotte te 8500 Kortrijk, President Kennedypark 1A, ondernemingsnummer 0876.286.023.",
      "holder_kbo": "0876.286.023",
      "holder_name": "kantoor Vandelanotte",
      "scope_categories": [
        "KBO",
        "BTW",
        "filing",
        "publication"
      ],
      "with_substitution": false
    }
  ],
  "governance_change": {
    "admin_delegated_added": []
  }
}
2019
28-05-2019 2 directors appointed, 4 reappointed Director changes
  • Patrick Despiegelaere, Gedelegeerd bestuurder
  • Siska Dedeyne, Gedelegeerd bestuurder
  • Luc Despiegelaere, Bestuurder
  • Eric Despiegelaere, Bestuurder
  • Patrick Despiegelaere, Bestuurder
  • Siska Dedeyne, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Luc Despiegelaere",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Met eenparigheid van stemmen hernieuwt de Algemene Vergadering het mandaat van Luc Despiegelaere, Boslaan 24, 8300 Knokke-Heist, Eric Despiegelaere, Izegmstraat 170, 8770 Ingelmunster, Patrick Despiegelaere, Baronielaan 16, 8770 Izegem en Siska Dedeyne, Rue d\u0027omerie 7, 7540 Kain (Tournai als bestuur"
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Eric Despiegelaere",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Met eenparigheid van stemmen hernieuwt de Algemene Vergadering het mandaat van Luc Despiegelaere, Boslaan 24, 8300 Knokke-Heist, Eric Despiegelaere, Izegmstraat 170, 8770 Ingelmunster, Patrick Despiegelaere, Baronielaan 16, 8770 Izegem en Siska Dedeyne, Rue d\u0027omerie 7, 7540 Kain (Tournai als bestuur"
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Patrick Despiegelaere",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Met eenparigheid van stemmen hernieuwt de Algemene Vergadering het mandaat van Luc Despiegelaere, Boslaan 24, 8300 Knokke-Heist, Eric Despiegelaere, Izegmstraat 170, 8770 Ingelmunster, Patrick Despiegelaere, Baronielaan 16, 8770 Izegem en Siska Dedeyne, Rue d\u0027omerie 7, 7540 Kain (Tournai als bestuur"
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Siska Dedeyne",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Met eenparigheid van stemmen hernieuwt de Algemene Vergadering het mandaat van Luc Despiegelaere, Boslaan 24, 8300 Knokke-Heist, Eric Despiegelaere, Izegmstraat 170, 8770 Ingelmunster, Patrick Despiegelaere, Baronielaan 16, 8770 Izegem en Siska Dedeyne, Rue d\u0027omerie 7, 7540 Kain (Tournai als bestuur"
    },
    {
      "kind": "director_in",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Patrick Despiegelaere",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "De heer Patrick Despiegelaere en mevr. Siska Dedeyne worden benoemd tot Gedelegeerd Bestuurder voor een periode van zes jaar."
    },
    {
      "kind": "director_in",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Siska Dedeyne",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "De heer Patrick Despiegelaere en mevr. Siska Dedeyne worden benoemd tot Gedelegeerd Bestuurder voor een periode van zes jaar."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0455.277.319",
    "name_full": "ORUB",
    "legal_form": "NV"
  }
}
2015
14-10-2015 2 directors appointed, 2 resigning Director changes
  • Siska Dedeyne, Bestuurder
  • Siska Dedeyne, Gedelegeerd bestuurder
  • Yves Despiegelaere, Bestuurder
  • Yves Despiegelaere, Gedelegeerd bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Yves Despiegelaere",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2015-06-18",
      "evidence_quote": "Ontslag van rechtswege van dhr Yves Despiegelaere als bestuurder en gedelegeerd bestuurder ingevolge zijn overlijden op 18 juni 2015."
    },
    {
      "kind": "director_out",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Yves Despiegelaere",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2015-06-18",
      "evidence_quote": "Ontslag van rechtswege van dhr Yves Despiegelaere als bestuurder en gedelegeerd bestuurder ingevolge zijn overlijden op 18 juni 2015."
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Siska Dedeyne",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2015-06-18",
      "evidence_quote": "Om in deze vacature te voorzien wordt Mevr. Siska Dedeyne, Rue d\u0027Omerie 7 te 7540 Kain, benoemd tot bestuurder en gedelegeerd bestuurder vanaf 18 juni 2015 tot de algemene vergadering te houden in 2019."
    },
    {
      "kind": "director_in",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Siska Dedeyne",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2015-06-18",
      "evidence_quote": "Om in deze vacature te voorzien wordt Mevr. Siska Dedeyne, Rue d\u0027Omerie 7 te 7540 Kain, benoemd tot bestuurder en gedelegeerd bestuurder vanaf 18 juni 2015 tot de algemene vergadering te houden in 2019."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0455.277.319",
    "name_full": "ORUB",
    "legal_form": "NV"
  }
}
2013
23-10-2013 2 directors appointed, 4 reappointed Director changes
  • Patrick Despiegelaere, Gedelegeerd bestuurder
  • Yves Despiegelaere, Gedelegeerd bestuurder
  • Eric Despiegelaere, Bestuurder
  • Patrick Despiegelaere, Bestuurder
  • Yves Despiegelaere, Bestuurder
  • Luc Despiegelaere, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Eric Despiegelaere",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Met eenparigheid van stemmen hernieuwt de vergadering het mandaat van dhr. Eric Despiegelaere, Izegemstraat 170, 8770 Ingelmunster, dhr. Patrick Despiegelaere, Baronielaan 16, 8870 izegem, dhr. Yves Despiegelaere, Rue d\u0027Imerie 7, 7540 Kain (Tournai) en dhr. Luc Despiegelaere, Boslaan 24, 8300 Knokke"
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Patrick Despiegelaere",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Met eenparigheid van stemmen hernieuwt de vergadering het mandaat van dhr. Eric Despiegelaere, Izegemstraat 170, 8770 Ingelmunster, dhr. Patrick Despiegelaere, Baronielaan 16, 8870 izegem, dhr. Yves Despiegelaere, Rue d\u0027Imerie 7, 7540 Kain (Tournai) en dhr. Luc Despiegelaere, Boslaan 24, 8300 Knokke"
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Yves Despiegelaere",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Met eenparigheid van stemmen hernieuwt de vergadering het mandaat van dhr. Eric Despiegelaere, Izegemstraat 170, 8770 Ingelmunster, dhr. Patrick Despiegelaere, Baronielaan 16, 8870 izegem, dhr. Yves Despiegelaere, Rue d\u0027Imerie 7, 7540 Kain (Tournai) en dhr. Luc Despiegelaere, Boslaan 24, 8300 Knokke"
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Luc Despiegelaere",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Met eenparigheid van stemmen hernieuwt de vergadering het mandaat van dhr. Eric Despiegelaere, Izegemstraat 170, 8770 Ingelmunster, dhr. Patrick Despiegelaere, Baronielaan 16, 8870 izegem, dhr. Yves Despiegelaere, Rue d\u0027Imerie 7, 7540 Kain (Tournai) en dhr. Luc Despiegelaere, Boslaan 24, 8300 Knokke"
    },
    {
      "kind": "director_in",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Patrick Despiegelaere",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "De heer Patrick Despiegelaere en de heer Yves Despiegelaere worden benoemd tot Gedelegeerd Bestuurder voor een periode van zes jaar."
    },
    {
      "kind": "director_in",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Yves Despiegelaere",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "De heer Patrick Despiegelaere en de heer Yves Despiegelaere worden benoemd tot Gedelegeerd Bestuurder voor een periode van zes jaar."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0455.277.319",
    "name_full": "ORUB",
    "legal_form": "NV"
  }
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameNL ORUB
Registered office
Nieuwe Abelestraat 20
8800 Roeselare, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative