RUBI
ActiveRUBI has been active since 2022 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 2 administrative register entries (see administrative flags). The 2025 annual accounts show equity of €38k and a net result of €19k. Equity is growing by ~46.2% per year across the filed fiscal years. Its solvency ranks better than 42% of 31545 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+98
Solvency90▲+9
Growth78▲+26
Stability78
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.16 against 1.34 in 2024), but 54.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 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
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
45.6%
Return on assets
22.9%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
31 d late
2024
2 d early
2023
19 d early
2022
4 d early
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
2 publications by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publicationsPublications
Address struckAddress strikeout annulled
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€38k▲ 101%
2024 · €19k
2022: €10k
2023: €19k
2024: €19k
2022 → 2025
Total assets
€83k▲ 126%
2024 · €36k
2022: €30k
2023: €35k
2024: €36k
2022 → 2025
Net result
€19k▲ 23,240%
2024 · €81
2022: €8k
2023: €8k
2024: €81
2022 → 2025
Working capital
€32k▲ 426%
2024 · €6k
2022: €-121
2023: €8k
2024: €6k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€10k-€19k▲ 78.6%€19k▲ 0.4%€38k▲ 101%
Operating result€12k-€12k▲ 3.7%€3k▼ 75.4%€25k▲ 741%
Net result€8k-€8k▼ 2.9%€81▼ 99.0%€19k▲ 23,240%
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 741% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€36k▲ 179%
Current assets
€46k▲ 97.2%
Equity and liabilities €83k
Equity
€38k▲ 101%
Debt
€45k▲ 153%
The debt ratio rises from 48.6% to 54.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€28k▲
2024 · €5k
Cash flow
€21k▲
2024 · €2k
Solvency
45.6%▼
2024 · 51.4%
Current ratio
3.16▲
2024 · 1.34
Quick ratio
3.16▲
2024 · 1.34
Debt / equity
1.19▲
2024 · 0.94
ROE
50.2%▲
2024 · 0.4%
ROA
22.9%▲
2024 · 0.2%
Interest coverage
23.06▲
2024 · 9.84
Debt
€45k▲
2024 · €18k
Debt ≤ 1 year
€15k▼
2024 · €18k
Debt > 1 year
€30k
Income taxes
€6k▲
2024 · €3k
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€36k€83k▲
Fixed assets21/28€13k€36k▲
Tangible fixed assets22/27€13k€36k▲
Plant, machinery and equipment23€272€0▼
Furniture and vehicles24€13k€36k▲
Current assets29/58€24k€46k▲
Amounts receivable within one year40/41€20k€40k▲
Trade receivables40€14k€13k▼
Other amounts receivable41€5k€27k▲
Cash at bank and in hand54/58€4k€7k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€36k€83k▲
Equity10/15€19k€38k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€17k€36k▲
Amounts payable17/49€18k€45k▲
Amounts payable after more than one year17-€30k
Financial debts170/4-€30k
Amounts payable within one year42/48€18k€15k▼
Current portion of amounts payable after more than one year42-€4k
Trade debts44€8k€4k▼
Suppliers440/4€8k€4k▼
Taxes, remuneration and social security45€10k€7k▼
Taxes450/3€10k€4k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€200€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€583€2k▲
Gross operating margin9900€6k€29k▲
Operating profit (loss)9901€3k€25k▲
Financial income75/76B€157€170▲
Recurring financial income75€157€170▲
Financial charges65/66B€516€1k▲
Recurring financial charges65€516€1k▲
Profit (loss) for the period before taxes9903€3k€24k▲
Income taxes67/77€3k€6k▲
Profit (loss) for the period9904€81€19k▲
Profit (loss) for the period to be appropriated9905€81€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€36k▲
Profit (loss) brought forward from the previous period14P€17k€17k▲
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 2022net €19k ▲23240%
Operating result €25k, net result €19k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.16
Current ratio from 1.34 to 3.16; short-term debt falls from €18k to €15k.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
16-05
KBO administration
Address strikeout annulled
17-01
KBO administration
Address struck
2024
31-12
Financial
Weakest financial yearnet €81 ▼99%
Net result drops to €81, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
SignalFinancial 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, Antwerpen · 1 establishment unit since 2022
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.
Lange Elzenstraat 982018 AntwerpenGround area
59 m²
Building footprint
41 m²
Volume, LiDAR
426 m³
Parcel 11810K1945/00A002, Flanders · tallest building 11.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
RUBI
since 20222.333.235.426
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1945/00A002 | Flanders | 59 m² | 1 · 41 m² | 11.5 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 1,425 EUR awarded · 1,425 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,425 EUR | 1,425 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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AL GESTION
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 36,162 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-06-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.