RUBLO
ActiveSummary
RUBLO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €204k and a net result of €67k. Equity is growing by ~30.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 7058 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 28.37 against 13.74 in 2024; short-term debt: 2.6% and cash: 4.7% of total assets), and 2.6% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
97.4%
Return on assets
31.9%
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 28-03-2026, 125 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
125 d early
2024
30 d early
2023
9 d early
2022
28 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Financials · fiscal year 2025, micro schema
Equity
€204k▲ 2.2%
2024 · €199k
Total assets
€209k▼ 2.7%
2024 · €215k
Net result
€67k▲ 7.0%
2024 · €62k
Working capital
€146k▼ 26.3%
2024 · €199k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€103k-€82k▼ 20.5%€76k▼ 7.6%€89k▲ 17.3%
Net result€73k-€59k▼ 18.6%€62k▲ 5.0%€67k▲ 7.0%
Equity€78k-€137k▲ 76.2%€199k▲ 45.4%€204k▲ 2.2%
Total assets€97k-€154k▲ 59.3%€215k▲ 39.4%€209k▼ 2.7%
Debt€19k-€17k▼ 10.0%€16k▼ 8.8%€5k▼ 65.7%
Working capital€71k-€135k▲ 90.0%€199k▲ 46.8%€146k▼ 26.3%
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 17% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €209k
Fixed assets
€57k ▲ 10,535%
Current assets
€152k ▼ 29.1%
Equity and liabilities €209k
Equity
€204k ▲ 2.2%
Debt
€5k ▼ 65.7%
Debt's share of the balance-sheet total falls from 7.3% to 2.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€90k▲
2024 · €77k
Cash flow
€67k▲
2024 · €63k
Current ratio
28.37▲
2024 · 13.74
Debt to equity
0.03▼
2024 · 0.08
ROE
32.7%▲
2024 · 31.2%
ROA
31.9%▲
2024 · 29.0%
Interest coverage
185.87▲
2024 · 97.73
Debt ≤ 1 year
€5k▼
2024 · €16k
Income taxes
€24k▲
2024 · €17k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9k | €5k | €1k | €900 | ▼ 17.4% |
| Other operating charges640/8 | €1k | €588 | €1k | €1k | ▼ 2.5% |
| Gross operating margin9900 | €113k | €87k | €78k | €91k | ▲ 16.5% |
| Operating profit (loss)9901 | €103k | €82k | €76k | €89k | ▲ 17.3% |
| Financial income75/76B | - | €2k | €4k | €2k | ▼ 43.9% |
| Recurring financial income75 | - | €2k | €4k | €2k | ▼ 43.9% |
| Financial charges65/66B | €379 | €726 | €784 | €482 | ▼ 38.6% |
| Recurring financial charges65 | €379 | €726 | €784 | €482 | ▼ 38.6% |
| Profit (loss) for the period before taxes9903 | €102k | €83k | €79k | €90k | ▲ 14.7% |
| Income taxes67/77 | €30k | €23k | €17k | €24k | ▲ 43.6% |
| Profit (loss) for the period9904 | €73k | €59k | €62k | €67k | ▲ 7.0% |
| Profit (loss) for the period to be appropriated9905 | €73k | €59k | €62k | €67k | ▲ 7.0% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €97k | €154k | €215k | €209k | ▼ 2.7% |
| Fixed assets21/28 | €7k | €2k | €537 | €57k | ▲ 10,535% |
| Tangible fixed assets22/27 | €7k | €2k | €537 | €57k | ▲ 10,535% |
| Furniture and vehicles24 | €5k | €715 | €12 | €55k | ▲ 446,371% |
| Other tangible fixed assets26 | €1k | €912 | €525 | €2k | ▲ 295% |
| Current assets29/58 | €90k | €152k | €214k | €152k | ▼ 29.1% |
| Amounts receivable within one year40/41 | €12k | €12k | €9k | €9k | ▼ 0.2% |
| Trade receivables40 | €12k | €12k | €9k | €9k | ▼ 0.6% |
| Other amounts receivable41 | - | - | €17 | €59 | ▲ 252% |
| Current investments50/53 | - | €90k | €0 | €131k | - |
| Cash at bank and in hand54/58 | €78k | €49k | €205k | €10k | ▼ 95.2% |
| Deferred charges and accrued income490/1 | €192 | €1k | €152 | €1k | ▲ 747% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €97k | €154k | €215k | €209k | ▼ 2.7% |
| Equity10/15 | €78k | €137k | €199k | €204k | ▲ 2.2% |
| Contributions10/11 | €5k | €5k | €5k | €5k | = |
| Reserves13 | €73k | €132k | €194k | €199k | ▲ 2.3% |
| Distributable reserves133 | €73k | €132k | €194k | €199k | ▲ 2.3% |
| Profit (loss) carried forward14 | - | - | - | €0 | - |
| Amounts payable17/49 | €19k | €17k | €16k | €5k | ▼ 65.7% |
| Amounts payable within one year42/48 | €19k | €17k | €16k | €5k | ▼ 65.7% |
| Financial debts43 | €20 | €0 | - | - | - |
| Credit institutions430/8 | €20 | €0 | - | - | - |
| Trade debts44 | €388 | €457 | €346 | €786 | ▲ 127% |
| Suppliers440/4 | €388 | €457 | €346 | €786 | ▲ 127% |
| Taxes, remuneration and social security45 | €15k | €7k | €7k | €5k | ▼ 36.4% |
| Taxes450/3 | €15k | €7k | €7k | €5k | ▼ 36.4% |
| Other amounts payable47/48 | €4k | €10k | €8k | €0 | ▼ 100% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €73k | €59k | €62k | €67k | ▲ 7.0% |
| + Depreciation and write-downs630 | €9k | €5k | €1k | €900 | ▼ 17.4% |
| Operating cash flow (approximation) | €82k | €64k | €63k | €67k | ▲ 6.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-57k | - |
| Change in cash | - | €-29k | €156k | €-195k | ▼ 225% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 28.37
Current ratio from 13.74 to 28.37; short-term debt falls from €16k to €5k.
31-12
Financial
Equity above €200kEq €204k ▲2.2%
4 profitable years in a row build equity to €204k.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €199k ▲45.4%
3 profitable years in a row build equity to €199k.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €59k ▼18.6%
Net result drops to €59k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €137k ▲76.2%
2 profitable years in a row build equity to €137k.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Lier · 1 establishment unit since 2021
Ground area
195 m²
Building footprint
128 m²
Volume, LiDAR
1,155 m³
Parcel 12393F0290/00E004, Flanders · tallest building 15.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RUBLO
since 20212.312.680.928
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12393F0290/00E004 | Flanders | 195 m² | 1 · 128 m² | 15.3 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.
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Of 13,417 companies in sector 73300 we hold annual accounts for 6,896. 5,228 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
Founded29-01-2021
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
64210Activities of holding companies
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.