RUBA
ActiveSummary
RUBA has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €83,299 and a net result of -€14,924. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 63% of 12788 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability14▼-22
Solvency94▼-6
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 2.86 against 4.9 in 2024; short-term debt: 31.3% and cash: 11.2% of total assets), and 31.3% of the assets are financed with debt.
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Signals
Four 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
68.7%
Return on assets
-12.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
83 d early
2023
9 d late
2022
146 d early
2021
151 d early
2020
94 d early
2019
58 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 83 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€83,299▼ 15.2%
2024 · €98,224
Total assets
€121,319▲ 3.0%
2024 · €117,745
Net result
-€14,924
2024 · €4,515
Working capital
€70,682▼ 7.2%
2024 · €76,197
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€29,739▲ 313%€21,739▼ 26.9%€30,287▲ 39.3%€53,057▲ 75.2%€31,515▼ 40.6%
Net result€8,266within the sector's middle half€9,856within the sector's middle half▲ 19.2%€21,680within the sector's middle half▲ 120%€4,515below the sector's middle half▼ 79.2%-€14,924below the sector's middle half
Equity€77,173within the sector's middle half▲ 12.0%€72,029within the sector's middle half▼ 6.7%€93,709within the sector's middle half▲ 30.1%€98,224within the sector's middle half▲ 4.8%€83,299within the sector's middle half▼ 15.2%
Total assets€121,393within the sector's middle half▼ 4.2%€117,984within the sector's middle half▼ 2.8%€109,494within the sector's middle half▼ 7.2%€117,745within the sector's middle half▲ 7.5%€121,319within the sector's middle half▲ 3.0%
Debt€44,220▼ 23.5%€45,955▲ 3.9%€15,785▼ 65.7%€19,521▲ 23.7%€38,020▲ 94.8%
Working capital€31,170▼ 18.0%€35,308▲ 13.3%€67,038▲ 89.9%€76,197▲ 13.7%€70,682▼ 7.2%
Solvency63.6%within the sector's middle half▲ 9.2pp61.0%within the sector's middle half▼ 2.5pp85.6%above the sector's middle half▲ 24.5pp83.4%above the sector's middle half▼ 2.2pp68.7%within the sector's middle half▼ 14.8pp
Staff (FTE)0.9▲ 12.5%1▲ 11.1%1=
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €121,319
Fixed assets
€12,617 ▼ 42.7%
Current assets
€108,702 ▲ 13.6%
Equity and liabilities €121,319
Equity
€83,299 ▼ 15.2%
Debt
€38,020 ▲ 94.8%
Debt's share of the balance-sheet total rises from 16.6% to 31.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€43,418▼
2024 · €64,711
Cash flow
-€3,021▼
2024 · €16,169
Current ratio
2.86▼
2024 · 4.90
Debt to equity
0.46▲
2024 · 0.20
ROE
-17.9%▼
2024 · 4.6%
ROA
-12.3%▼
2024 · 3.8%
Interest coverage
1.33▼
2024 · 1.53
Debt ≤ 1 year
€38,020▲
2024 · €19,521
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,836 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.5%
went bankrupt
13%
stopped otherwise
84%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 5,836 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €9,992 | - | - |
| Remuneration, social security and pensions62 | - | €44,525 | €156 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,100 | €11,482 | €11,332 | €11,653 | €11,903 | ▲ 2.1% |
| Other operating charges640/8 | - | €348 | €784 | €62 | €524 | ▲ 745% |
| Non-recurring operating charges66A | - | €6,117 | €4,539 | €5,550 | €13,776 | ▲ 148% |
| Gross operating margin9900 | €83,962 | €84,211 | €47,098 | €70,323 | €57,718 | ▼ 17.9% |
| Operating profit (loss)9901 | €29,739 | €21,739 | €30,287 | €53,057 | €31,515 | ▼ 40.6% |
| Financial income75/76B | - | €240 | €13 | €308 | €13 | ▼ 95.8% |
| Recurring financial income75 | - | €240 | €13 | €308 | €13 | ▼ 95.8% |
| Non-recurring financial income76B | - | €240 | €13 | - | - | - |
| Financial charges65/66B | - | €2,051 | €1,461 | €42,256 | €46,452 | ▲ 9.9% |
| Recurring financial charges65 | €2,253 | €2,051 | €1,461 | €42,256 | €32,757 | ▼ 22.5% |
| Non-recurring financial charges66B | - | - | - | - | €13,695 | - |
| Profit (loss) for the period before taxes9903 | €25,536 | €19,928 | €28,839 | €11,109 | -€14,924 | ▼ 234% |
| Income taxes67/77 | €17,270 | €10,072 | €7,159 | €6,594 | - | - |
| Profit (loss) for the period9904 | €8,266 | €9,856 | €21,680 | €4,515 | -€14,924 | ▼ 431% |
| Profit (loss) for the period to be appropriated9905 | €8,266 | €9,856 | €21,680 | €4,515 | -€14,924 | ▼ 431% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €121,393 | €117,984 | €109,494 | €117,745 | €121,319 | ▲ 3.0% |
| Fixed assets21/28 | €46,003 | €36,721 | €26,671 | €22,027 | €12,617 | ▼ 42.7% |
| Intangible fixed assets21 | €41,691 | €32,374 | €23,058 | €13,741 | €4,425 | ▼ 67.8% |
| Tangible fixed assets22/27 | €4,187 | €4,222 | €3,488 | €8,260 | €8,167 | ▼ 1.1% |
| Land and buildings22 | - | - | - | €2,932 | €2,622 | ▼ 10.6% |
| Plant, machinery and equipment23 | - | €381 | €159 | €947 | €746 | ▼ 21.2% |
| Furniture and vehicles24 | - | €3,841 | €3,329 | €4,381 | €4,799 | ▲ 9.5% |
| Financial fixed assets28 | €125 | €125 | €125 | €25 | €25 | = |
| Current assets29/58 | €75,390 | €81,263 | €82,823 | €95,719 | €108,702 | ▲ 13.6% |
| Amounts receivable within one year40/41 | €65,510 | €74,958 | €67,019 | €49,343 | €61,682 | ▲ 25.0% |
| Trade receivables40 | - | €36,306 | €36,880 | €38,486 | €50,825 | ▲ 32.1% |
| Other amounts receivable41 | - | €38,652 | €30,139 | €10,857 | €10,857 | = |
| Cash at bank and in hand54/58 | - | - | €13,699 | €15,271 | €13,553 | ▼ 11.2% |
| Deferred charges and accrued income490/1 | - | €6,305 | €2,105 | €31,105 | €33,467 | ▲ 7.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €121,393 | €117,984 | €109,494 | €117,745 | €121,319 | ▲ 3.0% |
| Equity10/15 | €77,173 | €72,029 | €93,709 | €98,224 | €83,299 | ▼ 15.2% |
| Contributions10/11 | - | €55,800 | €55,800 | €55,800 | €55,800 | = |
| Reserves13 | €24,002 | €16,229 | €37,909 | €42,424 | €27,499 | ▼ 35.2% |
| Non-distributable reserves130/1 | - | €5,580 | - | - | - | - |
| Reserves not available under the articles1311 | - | €5,580 | - | - | - | - |
| Distributable reserves133 | - | €10,649 | €37,909 | €42,424 | €27,499 | ▼ 35.2% |
| Profit (loss) carried forward14 | -€2,629 | - | - | - | - | - |
| Amounts payable17/49 | €44,220 | €45,955 | €15,785 | €19,521 | €38,020 | ▲ 94.8% |
| Amounts payable within one year42/48 | €44,220 | €45,955 | €15,785 | €19,521 | €38,020 | ▲ 94.8% |
| Financial debts43 | - | €5,377 | - | - | - | - |
| Credit institutions430/8 | - | €5,377 | - | - | - | - |
| Trade debts44 | €22,569 | €6,345 | €8,234 | €1,156 | €1,447 | ▲ 25.2% |
| Suppliers440/4 | - | €6,345 | €8,234 | €1,156 | €1,447 | ▲ 25.2% |
| Taxes, remuneration and social security45 | - | €19,233 | €7,551 | €8,453 | €11,492 | ▲ 35.9% |
| Taxes450/3 | - | €13,356 | €7,551 | €8,361 | €11,492 | ▲ 37.4% |
| Remuneration and social security454/9 | - | €5,877 | - | €92 | - | - |
| Other amounts payable47/48 | - | €15,000 | - | €9,912 | €25,081 | ▲ 153% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,266 | €9,856 | €21,680 | €4,515 | -€14,924 | ▼ 431% |
| + Depreciation and write-downs630 | €11,100 | €11,482 | €11,332 | €11,653 | €11,903 | ▲ 2.1% |
| Operating cash flow (approximation) | €19,366 | €21,338 | €33,012 | €16,169 | -€3,021 | ▼ 119% |
| Investment in fixed assets (approximation) | - | -€2,200 | -€1,282 | -€7,009 | -€2,493 | ▲ 64.4% |
| Change in cash | - | - | - | €1,572 | -€1,718 | ▼ 209% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€14,924
Net result drops to -€14,924, the lowest in the series.
09-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 5.25
Current ratio from 1.77 to 5.25; short-term debt falls from €45,955 to €15,785.
07-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €8,266
Net result €8,266 after one loss-making year.
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 110 days late
2018
05-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 127 days late
16-11
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 473 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Riemst · 1 establishment unit since 2002
Ground area
647 m²
Building footprint
148 m²
Volume, LiDAR
785 m³
Parcel 73027A1063/00A002, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Stopstraat 2, 3770 Riemst
since 20022.188.987.716
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73027A1063/00A002 | Flanders | 647 m² | 1 · 148 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 2,477 EUR awarded · 2,477 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,559 EUR | 1,559 EUR |
| 2023 | 1 | 918 EUR | 918 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
254900HAQB3X9JDZUN74
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 6,395 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded31-10-1996
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0459145144
Registered
26-08-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.