RUBO 15
ActiveRUBO 15 has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €196k and a net result of €-72k. Equity is growing by ~72% per year across the filed fiscal years. Its solvency ranks better than 24% of 16426 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▼-61
Solvency52▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity short (current ratio 0.84 against 1.34 in 2024; short-term debt: 23.8% and cash: 2.2% of total assets), and 72.8% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 16426 sector peers (2025).
NBB · sector comparisonPosition among 16426 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-09-2026, 41 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
41 d late
2024
31 d late
2023
31 d late
2023
29 d late
2022
25 d early
2021
54 d late
2020
21 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€196k▼ 26.9%
2024 · €269k
2019: €9k
2020: €25k
2021: €70k
2022: €91k
2023: €180k
2023: €225k
2024: €269k
2019 → 2025
Total assets
€721k▼ 15.7%
2024 · €856k
2019: €926k
2020: €943k
2021: €914k
2022: €833k
2023: €929k
2023: €854k
2024: €856k
2019 → 2025
Net result
€-72k
2024 · €46k
2019: €-89k
2020: €18k
2021: €47k
2022: €22k
2023: €90k
2023: €46k
2024: €46k
2019 → 2025
Working capital
€-27k
2024 · €57k
2019: €49k
2020: €67k
2021: €104k
2022: €53k
2023: €90k
2023: €47k
2024: €57k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202320242025Trend
Equity€91k-€180k▲ 97.7%€225k▲ 25.0%€269k▲ 19.6%€196k▼ 26.9%
Operating result€55k-€138k▲ 150%€150k▲ 8.4%€99k▼ 34.0%€95k▼ 3.6%
Net result€22k-€90k▲ 306%€46k▼ 48.6%€46k▼ 1.5%€-72k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
Multiple fiscal year ends fall in the same calendar year; an annual trend is not displayed.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €721k
Fixed assets
€577k▼ 8.8%
Current assets
€144k▼ 35.4%
Equity and liabilities €721k
Equity
€196k▼ 26.9%
Debt
€525k▼ 10.6%
The debt ratio rises from 68.6% to 72.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€152k▼
2024 · €156k
Cash flow
€-16k▼
2024 · €103k
Solvency
27.2%▼
2024 · 31.4%
Current ratio
0.84▼
2024 · 1.34
Quick ratio
0.84▼
2024 · 1.34
Debt / equity
2.68▲
2024 · 2.19
ROE
-36.9%▼
2024 · 17.0%
ROA
-10.0%▼
2024 · 5.3%
Interest coverage
0.89▼
2024 · 7.06
Debt
€525k▼
2024 · €587k
Debt ≤ 1 year
€171k▲
2024 · €167k
Debt > 1 year
€352k▼
2024 · €421k
Income taxes
€412▼
2024 · €33k
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€856k€721k▼
Fixed assets21/28€633k€577k▼
Intangible fixed assets21€2k€594▼
Tangible fixed assets22/27€631k€576k▼
Land and buildings22€534k€503k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€12k€8k▼
Other tangible fixed assets26€82k€64k▼
Financial fixed assets28€230€230=
Current assets29/58€223k€144k▼
Amounts receivable within one year40/41€102k€28k▼
Trade receivables40€30k€13k▼
Other amounts receivable41€72k€15k▼
Cash at bank and in hand54/58€27k€16k▼
Deferred charges and accrued income490/1€94k€100k▲
Equity and liabilities
Total equity and liabilities10/49€856k€721k▼
Equity10/15€269k€196k▼
Contributions10/11€6k€6k=
Reserves13€262k€262k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€261k€261k=
Profit (loss) carried forward14-€-72k
Amounts payable17/49€587k€525k▼
Amounts payable after more than one year17€421k€352k▼
Financial debts170/4€421k€352k▼
Amounts payable within one year42/48€167k€171k▲
Current portion of amounts payable after more than one year42€119k€88k▼
Financial debts43€76€0▼
Credit institutions430/8€76€0▼
Trade debts44€31k€19k▼
Suppliers440/4€31k€19k▼
Advances received on contracts in progress46-€500
Taxes, remuneration and social security45€15k€3k▼
Taxes450/3€15k€3k▼
Other amounts payable47/48€2k€61k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€57k€57k▼
Other operating charges640/8€16k€19k▲
Gross operating margin9900€172k€171k▼
Operating profit (loss)9901€99k€95k▼
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€22k€171k▲
Recurring financial charges65€22k€171k▲
Profit (loss) for the period before taxes9903€79k€-72k▼
Income taxes67/77€33k€412▼
Profit (loss) for the period9904€46k€-72k▼
Profit (loss) for the period to be appropriated9905€46k€-72k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€-72k▼
Transfer to equity691/2€44k€0▼
To other reserves6921€44k€0▼
Profit to be distributed694/7€2k€0▼
Return on contributions (dividend)694€2k€0▼
The notes to these accounts (12 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
10-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 41 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Equity above €200kEq €225k ▲25%
5 profitable years in a row build equity to €225k.
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
31-01
Financial
Highest result since 2019net €90k ▲306%
Net result €90k, the highest in the series.
31-01
Financial
Equity above €150kEq €180k ▲97.7%
4 profitable years in a row build equity to €180k.
2022
06-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
24-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 54 days late
2020
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-01
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
01-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Genesius-Rode · 1 establishment unit since 2016
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.
Termeulenstraat 621640 Sint-Genesius-RodeGround area
2,573 m²
Building footprint
160 m²
Volume, LiDAR
831 m³
Parcel 22004C0560/00N000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RUBO 15
since 20162.302.904.813
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22004C0560/00N000 | Flanders | 2,573 m² | 1 · 160 m² | 7.8 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.
Recognitions · licences · registrations
Legal Entity Identifier
549300G9QO9W00QJL627
Similar companies · same sector, comparable size
PROF. DR. B. SCHMELZER
BE 0543.435.669
Wommelgem · Eq €196k
Dr. Jose Manuel Archuleta Arteaga
BE 0786.953.872
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DR. J. VERMYLEN
BE 0476.822.702
Leuven · Eq €196k
Dr. Van den Broeck Thomas
BE 0803.648.661
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GK MEDICAL
BE 0784.319.729
Nivelles · Eq €196k
Of 16,623 companies in sector 86220 we hold annual accounts for 7,972. 6,726 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-05-2011
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
86909Human health activities
86995Nutrition and dietetics services
96040Personal service activities
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.