RUBCY
ActiveThe computed 12-month bankruptcy probability of RUBCY is 2.2% (moderate). The 2022 annual accounts show negative equity (€-18k) and a net result of €-27k. Its solvency ranks better than 5% of 30378 sector peers (fiscal year 2022). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2022
17
/ 100
Critical▼ -68 vs 2021
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2021
Profitability100=
Solvency33▼-67
Growth32
Stability94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2022Age of the figures
Age of the figures
44 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 2 filingsPosition against the passed deadline
31-12-2023 close31-07-2024 deadline14-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 21-12-2023, 143 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
143 d late
2021
87 d late
← before the deadline
after the deadline →
Financials · fiscal year 2022, micro schema
Equity
€-18k
2021 · €8k
2021: €8k
2021 → 2022
Total assets
€3k▼ 73.8%
2021 · €13k
2021: €13k
2021 → 2022
Net result
€-27k
2021 · €6k
2021: €6k
2021 → 2022
Working capital
€-18k
2021 · €9k
2021: €9k
2021 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022Trend
Equity€8k-€-18k
Operating result€9k-€-27k
Net result€6k-€-27k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2022: a loss of €27k after €9k in 2021.
Key figures and ratios
Debt
€22k▲
2021 · €4k
Debt ≤ 1 year
€21k▲
2021 · €4k
Ratios withheld: a balance sheet total of €3k is too small for a meaningful ratio.
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 · 2022 against 2021
Balance sheet
Code20212022
Assets
Total assets20/58€13k€3k▼
Current assets29/58€13k€3k▼
Amounts receivable within one year40/41€11k€3k▼
Other amounts receivable41€11k€3k▼
Cash at bank and in hand54/58€2k€78▼
Equity and liabilities
Total equity and liabilities10/49€13k€3k▼
Equity10/15€8k€-18k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€6k€-20k▼
Amounts payable17/49€4k€22k▲
Amounts payable within one year42/48€4k€21k▲
Trade debts44€975€720▼
Suppliers440/4€975€720▼
Taxes, remuneration and social security45€3k€12k▲
Taxes450/3€3k€12k▲
Other amounts payable47/48-€8k
Accrued charges and deferred income492/3€500€500=
Income statement
Code20212022
Other operating charges640/8€348-
Gross operating margin9900€9k€-27k▼
Operating profit (loss)9901€9k€-27k▼
Financial charges65/66B-€112
Recurring financial charges65-€112
Profit (loss) for the period before taxes9903€9k€-27k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€6k€-27k▼
Profit (loss) for the period to be appropriated9905€6k€-27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€-20k▼
Profit (loss) brought forward from the previous period14P-€6k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 143 days late
2022
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 87 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Genappe · 1 establishment unit since 2021
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.
Drève Maréchal Masséna 81470 GenappeGround area
2,685 m²
Building footprint
249 m²
Volume, LiDAR
1,504 m³
Parcel 25003M0224/00D000, Wallonia · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Drève Maréchal Masséna 8, 1470 Genappe
since 20212.321.984.911
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25003M0224/00D000 | Wallonia | 2,685 m² | 1 · 248 m² | 9.4 m · 2 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.
Similar companies · same sector, comparable size
RAAAS
BE 0778.763.213
Mechelen · Eq €8k
Starling
BE 0773.575.394
Zonhoven · Eq €8k
Lovicon
BE 1013.507.963
Rotselaar · Eq €8k
3M INVEST & CONSULTING
BE 1008.543.939
Liège · Eq €8k
TREE OF LIFE
BE 0766.998.004
Heist-op-den-Berg · Eq €9k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 21,039 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68121Development of residential building projects
47793Retail sale of other second-hand goods, excluding clothing
49420Removal services
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.