RUBBENS & Co.
ActiveRUBBENS & Co. has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €11k. Equity is growing by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 49% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+59
Solvency57▲+13
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.27 in 2024; short-term debt: 66.1% and cash: 3.1% of total assets), and 67.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
32.5%
Return on assets
9.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
7 d early
2023
22 d late
2022
24 d late
2021
31 d late
2020
30 d late
2019
91 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▲ 41.6%
2024 · €26k
2018: €-25k
2019: €8k
2020: €7k
2021: €26k
2022: €21k
2023: €26k
2024: €26k
2018 → 2025
Total assets
€115k▼ 19.1%
2024 · €142k
2018: €135k
2019: €109k
2020: €91k
2021: €103k
2022: €108k
2023: €107k
2024: €142k
2018 → 2025
Net result
€11k▲ 3,153%
2024 · €338
2018: €42k
2019: €33k
2020: €-1k
2021: €19k
2022: €-5k
2023: €5k
2024: €338
2018 → 2025
Working capital
€37k▲ 25.3%
2024 · €29k
2018: €-39k
2019: €-6k
2020: €15k
2021: €21k
2022: €16k
2023: €37k
2024: €29k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€21k▼ 17.7%€26k▲ 23.1%€26k▲ 1.3%€37k▲ 41.6%
Operating result€24k-€1k▼ 93.9%€13k▲ 794%€-1k€24k
Net result€19k-€-5k€5k€338▼ 93.1%€11k▲ 3,153%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €24k after a loss of €1k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €115k
Fixed assets
€2k▼ 54.1%
Current assets
€113k▼ 17.8%
Equity and liabilities €115k
Equity
€37k▲ 41.6%
Debt
€78k▼ 32.9%
The debt ratio falls from 81.4% to 67.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27k▲
2024 · €1k
Cash flow
€14k▲
2024 · €3k
Solvency
32.5%▲
2024 · 18.6%
Current ratio
1.48▲
2024 · 1.27
Quick ratio
1.20▲
2024 · 1.06
Debt / equity
2.08▼
2024 · 4.39
ROE
29.4%▲
2024 · 1.3%
ROA
9.6%▲
2024 · 0.2%
Interest coverage
5.82▲
2024 · 0.17
Debt
€78k▼
2024 · €116k
Debt ≤ 1 year
€76k▼
2024 · €108k
Debt > 1 year
€2k▼
2024 · €8k
Income taxes
€8k▲
2024 · €5k
Staff costs
€46k▲
2024 · €43k
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€142k€115k▼
Fixed assets21/28€5k€2k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€5k€2k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€2k€769▼
Other tangible fixed assets26€1k€240▼
Current assets29/58€137k€113k▼
Stocks and contracts in progress3€23k€21k▼
Stocks30/36€23k€21k▼
Amounts receivable within one year40/41€95k€88k▼
Trade receivables40€32k€30k▼
Other amounts receivable41€64k€58k▼
Cash at bank and in hand54/58€16k€4k▼
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€142k€115k▼
Equity10/15€26k€37k▲
Contributions10/11€19k€19k=
Reserves13€8k€19k▲
Distributable reserves133€8k€19k▲
Amounts payable17/49€116k€78k▼
Amounts payable after more than one year17€8k€2k▼
Financial debts170/4€8k€2k▼
Amounts payable within one year42/48€108k€76k▼
Current portion of amounts payable after more than one year42€22k€6k▼
Financial debts43€17k€19k▲
Credit institutions430/8€17k€19k▲
Trade debts44€58k€25k▼
Suppliers440/4€58k€25k▼
Taxes, remuneration and social security45€11k€25k▲
Taxes450/3€5k€14k▲
Remuneration and social security454/9€6k€12k▲
Income statement
Code20242025
Non-recurring operating income76A€2k€984▼
Remuneration, social security and pensions62€43k€46k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€582-
Other operating charges640/8€11k€3k▼
Gross operating margin9900€55k€76k▲
Operating profit (loss)9901€-1k€24k▲
Financial income75/76B€14k€49▼
Recurring financial income75€14k€49▼
Financial charges65/66B€8k€5k▼
Recurring financial charges65€8k€5k▼
Profit (loss) for the period before taxes9903€5k€19k▲
Income taxes67/77€5k€8k▲
Profit (loss) for the period9904€338€11k▲
Profit (loss) for the period to be appropriated9905€338€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€338€11k▲
Transfer to equity691/2€338€11k▲
To other reserves6921€338€11k▲
The notes to these accounts (9 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
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Weakest financial yearnet €-5k ▼124%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Leuven · 1 establishment unit since 2003
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.
Herestraat 73000 LeuvenGround area
717 m²
Building footprint
226 m²
Volume, LiDAR
2,588 m³
Parcel 24505K0117/00N000, Flanders · tallest building 15.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Herestraat 7, 3000 Leuven
since 20032.123.579.527
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24505K0117/00N000 | Flanders | 717 m² | 1 · 226 m² | 15.7 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 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 3,235 companies in sector 47781 we hold annual accounts for 744. 438 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-12-2002
Fiscal year end31-12
Activities, NACEBEL
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47789Other retail sale of new goods
47990Retail trade
52498
52630
26200Manufacture of computer, electronic and optical products
28230Manufacture of machinery and equipment not elsewhere classified
28292Manufacture of machinery and equipment not elsewhere classified
30010
30020
52740
72500
95100Repair and maintenance of computers and communication equipment
95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.