RAGNAR & RUBY
ActiveRAGNAR & RUBY has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44k and a net result of €996. Equity is growing by ~17.2% per year across the filed fiscal years. Its solvency ranks better than 52% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▼-29
Solvency87▼-12
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.6 against 3.87 in 2024; short-term debt: 37.9% of total assets), and 38.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 26-08-2025, 66 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
66 d early
2024
24 d early
2023
563 d late
2022
7 d early
2021
43 d early
2020
2 d early
2019
11 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€44k▲ 2.3%
2024 · €43k
2019: €17k
2020: €26k
2021: €26k
2022: €14k
2023: €35k
2024: €43k
2019 → 2025
Total assets
€71k▲ 23.0%
2024 · €57k
2019: €31k
2020: €34k
2021: €32k
2022: €26k
2023: €57k
2024: €57k
2019 → 2025
Net result
€996▼ 86.5%
2024 · €7k
2019: €4k
2020: €9k
2021: €-300
2022: €-11k
2023: €21k
2024: €7k
2019 → 2025
Working capital
€43k▲ 0.5%
2024 · €43k
2019: €17k
2020: €26k
2021: €26k
2022: €14k
2023: €35k
2024: €43k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€14k▼ 43.6%€35k▲ 143%€43k▲ 21.0%€44k▲ 2.3%
Operating result€5k-€-9k€32k€15k▼ 51.8%€4k▼ 71.0%
Net result€-300-€-11k▼ 3,616%€21k€7k▼ 64.4%€996▼ 86.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 71% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €71k
Fixed assets
€1k
Current assets
€69k
Equity and liabilities €71k
Equity
€44k▲ 2.3%
Debt
€27k▲ 82.4%
The debt ratio rises from 25.8% to 38.3%. Equity and debt are higher.
Key figures and ratios
Solvency
61.7%▼
2024 · 74.2%
Current ratio
2.60▼
2024 · 3.87
Quick ratio
2.60▼
2024 · 3.87
Debt / equity
0.62▲
2024 · 0.35
ROE
2.3%▼
2024 · 17.3%
ROA
1.4%▼
2024 · 12.9%
Debt
€27k▲
2024 · €15k
Debt ≤ 1 year
€27k▲
2024 · €15k
Income taxes
€3k▼
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€57k€71k▲
Fixed assets21/28-€1k
Tangible fixed assets22/27-€1k
Furniture and vehicles24-€1k
Current assets29/58€57k€69k▲
Amounts receivable within one year40/41€40k€69k▲
Trade receivables40€17k€14k▼
Other amounts receivable41€23k€56k▲
Cash at bank and in hand54/58€18k-
Equity and liabilities
Total equity and liabilities10/49€57k€71k▲
Equity10/15€43k€44k▲
Contributions10/11€12k€12k=
Reserves13€21k€21k=
Distributable reserves133€21k€21k=
Profit (loss) carried forward14€9k€10k▲
Amounts payable17/49€15k€27k▲
Amounts payable within one year42/48€15k€27k▲
Financial debts43-€10k
Credit institutions430/8-€10k
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€12k€12k▼
Taxes450/3€12k€11k▼
Remuneration and social security454/9-€2k
Accrued charges and deferred income492/3-€250
Income statement
Code20242025
Gross operating margin9900€15k€4k▼
Operating profit (loss)9901€15k€4k▼
Financial charges65/66B€318€528▲
Recurring financial charges65€318€528▲
Profit (loss) for the period before taxes9903€15k€4k▼
Income taxes67/77€8k€3k▼
Profit (loss) for the period9904€7k€996▼
Profit (loss) for the period to be appropriated9905€7k€996▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€10k▲
Profit (loss) brought forward from the previous period14P€2k€9k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
16-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 563 days late
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-03
Financial
Back to profitnet €21k
Net result €21k after 2 loss-making years.
2022
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
2021
18-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
20-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Oudergem · 1 establishment unit since 2018
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
G. E. Lebonlaan 1401160 OudergemGround area
3,820 m²
Building footprint
2,831 m²
Volume, LiDAR
56,192 m³
Parcel 21009A0595/00E002, Brussels · tallest building 23.7 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Prins Albertstraat 29, 1050 Elsene
since 20182.272.492.244
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21009A0595/00E002 | Brussels | 3,820 m² | 1 · 2,831 m² | 23.7 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 15,129 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-09-2017
Fiscal year end31-03
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
82300Organisation of conventions and trade shows
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.