RUBEN NOLLET
ActiveSummary
RUBEN NOLLET has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €298k and a net result of €21k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 78% of 162 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 4.45 against 3.35 in 2024; short-term debt: 8.2% and cash: 4.5% of total assets), and 17.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 60
Relative position
BE, all sectors
reference
Sector 60
lower
← fewer bankruptcies
more bankruptcies →
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
82.1%
Return on assets
5.7%
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 31-08-2026, 31 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
31 d late
2024
29 d late
2023
14 d late
2022
31 d late
2021
30 d late
2020
31 d late
2019
115 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€298k▲ 2.6%
2024 · €291k
2018: €223k
2019: €232k
2020: €239k
2021: €246k
2022: €260k
2023: €277k
2024: €291k
2018 → 2025
Total assets
€364k▼ 4.2%
2024 · €380k
2018: €416k
2019: €392k
2020: €391k
2021: €379k
2022: €396k
2023: €388k
2024: €380k
2018 → 2025
Net result
€21k▲ 47.8%
2024 · €14k
2018: €2k
2019: €9k
2020: €7k
2021: €7k
2022: €14k
2023: €16k
2024: €14k
2018 → 2025
Working capital
€103k▲ 12.6%
2024 · €92k
2018: €71k
2019: €75k
2020: €74k
2021: €82k
2022: €77k
2023: €87k
2024: €92k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€246k-€260k▲ 5.7%€277k▲ 6.3%€291k▲ 5.1%€298k▲ 2.6%
Operating result€9k-€19k▲ 104%€22k▲ 20.2%€18k▼ 18.0%€27k▲ 49.2%
Net result€7k-€14k▲ 88.8%€16k▲ 18.0%€14k▼ 14.2%€21k▲ 47.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 49% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €364k
Fixed assets
€230k ▼ 7.5%
Current assets
€133k ▲ 2.0%
Equity and liabilities €364k
Equity
€298k ▲ 2.6%
Provisions
€35k ▼ 5.3%
Debt
€30k ▼ 42.1%
Debt's share of the balance-sheet total falls from 13.6% to 8.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€46k▲
2024 · €37k
Cash flow
€40k▲
2024 · €33k
Current ratio
4.45▲
2024 · 3.35
Debt to equity
0.10▼
2024 · 0.18
ROE
7.0%▲
2024 · 4.9%
ROA
5.7%▲
2024 · 3.7%
Interest coverage
55.12▲
2024 · 23.00
Debt ≤ 1 year
€30k▼
2024 · €39k
Income taxes
€13k▲
2024 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€380k€364k▼
Formation expenses20€0€0=
Fixed assets21/28€249k€230k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€249k€230k▼
Land and buildings22€238k€224k▼
Plant, machinery and equipment23€360€270▼
Furniture and vehicles24€11k€6k▼
Financial fixed assets28€50€50=
Current assets29/58€131k€133k▲
Amounts receivable after more than one year29€80k€80k=
Other amounts receivable291€80k€80k=
Amounts receivable within one year40/41€39k€36k▼
Trade receivables40€13k€11k▼
Other amounts receivable41€27k€25k▼
Cash at bank and in hand54/58€11k€16k▲
Deferred charges and accrued income490/1€659€823▲
Equity and liabilities
Total equity and liabilities10/49€380k€364k▼
Equity10/15€291k€298k▲
Contributions10/11€19k€19k=
Reserves13€192k€200k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€99k€95k▼
Distributable reserves133€91k€102k▲
Profit (loss) carried forward14€80k€80k=
Provisions and deferred taxes16€37k€35k▼
Deferred taxes168€37k€35k▼
Amounts payable17/49€52k€30k▼
Amounts payable after more than one year17€13k-
Financial debts170/4€13k-
Amounts payable within one year42/48€39k€30k▼
Current portion of amounts payable after more than one year42€23k€14k▼
Trade debts44€7k€7k▲
Suppliers440/4€7k€7k▲
Taxes, remuneration and social security45€9k€10k▲
Taxes450/3€9k€10k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€38k€48k▲
Operating profit (loss)9901€18k€27k▲
Financial income75/76B€6k€6k▼
Recurring financial income75€6k€6k▼
Financial charges65/66B€2k€836▼
Recurring financial charges65€2k€836▼
Profit (loss) for the period before taxes9903€23k€32k▲
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€10k€13k▲
Profit (loss) for the period9904€14k€21k▲
Transfer from tax-exempt reserves789€4k€4k=
Profit (loss) for the period to be appropriated9905€18k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€98k€105k▲
Profit (loss) brought forward from the previous period14P€80k€80k=
Transfer from equity791/2-€13k
Transfer to equity691/2€18k€25k▲
To other reserves6921€18k€25k▲
Profit to be distributed694/7-€13k
Return on contributions (dividend)694-€13k
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €21k ▲47.8%
Operating result €27k, net result €21k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
23-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 115 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Herent · 1 establishment unit since 2002
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.
Dieriksgroebe 13020 HerentGround area
1,432 m²
Building footprint
235 m²
Volume, LiDAR
1,616 m³
2 parcels, Flanders · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Wilselsesteenweg 89, 3020 Herent
since 20022.114.608.512
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24423H0420/00R000 | Flanders | 789 m² | 1 · 104 m² | 9.7 m · 3 fl. |
| 24127C0268/00X002 | Flanders | 642 m² | 1 · 131 m² | 10.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 · 1 entry · 99 EUR awarded · 99 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 99 EUR | 99 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 719 companies in sector 60310 we hold annual accounts for 157. 107 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-10-2002
Fiscal year end31-12
Activities, NACEBEL 2025
60310News agency activities
18200Printing and reproduction of recorded media
59120Post-production of films, video and television programmes
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.