RUBOP
ActiveSummary
RUBOP has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15,474 and a net result of €10,258. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 10552 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability61▲+3
Solvency33▲+5
Growth45▲+3
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.94 against 0.65 in 2024; short-term debt: 88.1% and cash: 41.5% of total assets), and 92.2% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 18% of 10552 sector peers (2025).
NBB · sector comparisonPosition among 10552 sector peers
Solvency
better than 18%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €15,474
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-12-2025, 47 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
47 d early
2024
46 d early
2023
42 d early
2022
43 d early
2021
28 d early
2020
12 d early
2019
8 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 32 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 19 December (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close30-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
€1.7m▲ 9.5%
2024 · €1.6m
EBIT margin
1.2%▲ 1.0pp
2024 · 0.2%
Net result
€10,258
2024 · -€2,333
Working capital
-€10,217▲ 82.4%
2024 · -€58,004
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€1.7m▲ 5.7%€1.5m▼ 8.5%€1.6m▲ 2.7%€1.6m▼ 0.4%€1.7m▲ 9.5%
Operating result€56,401▲ 1,828%€7,509▼ 86.7%€14,234▲ 89.6%€2,451▼ 82.8%€20,441▲ 734%
Net result€45,477within the sector's middle half-€24below the sector's middle half€5,635within the sector's middle half-€2,333below the sector's middle half€10,258within the sector's middle half
EBIT margin3.4%▲ 3.2pp0.5%▼ 2.9pp0.9%▲ 0.4pp0.2%▼ 0.8pp1.2%▲ 1.0pp
Equity€1,937below the sector's middle half€1,913below the sector's middle half▼ 1.2%€7,548below the sector's middle half▲ 295%€5,215below the sector's middle half▼ 30.9%€15,474below the sector's middle half▲ 197%
Total assets€396,582below the sector's middle half▼ 11.6%€315,316below the sector's middle half▼ 20.5%€236,190below the sector's middle half▼ 25.1%€176,719below the sector's middle half▼ 25.2%€199,648below the sector's middle half▲ 13.0%
Debt€394,645▼ 19.8%€313,403▼ 20.6%€228,642▼ 27.0%€171,504▼ 25.0%€184,174▲ 7.4%
Working capital-€22,677below the sector's middle half▲ 64.1%-€25,685below the sector's middle half▼ 13.3%-€31,485below the sector's middle half▼ 22.6%-€58,004below the sector's middle half▼ 84.2%-€10,217below the sector's middle half▲ 82.4%
Solvency0.5%below the sector's middle half▲ 10.2pp0.6%below the sector's middle half▲ 0.1pp3.2%below the sector's middle half▲ 2.6pp3.0%below the sector's middle half▼ 0.2pp7.8%below the sector's middle half▲ 4.8pp
Current ratio0.88below the sector's middle half▲ 0.200.85below the sector's middle half▼ 0.020.81below the sector's middle half▼ 0.040.65below the sector's middle half▼ 0.160.94below the sector's middle half▲ 0.29
Return on assets (ROA)11.5%within the sector's middle half▲ 12.5pp0.0%below the sector's middle half▼ 11.5pp2.4%within the sector's middle half▲ 2.4pp-1.3%below the sector's middle half▼ 3.7pp5.1%within the sector's middle half▲ 6.5pp
Staff (FTE)10.1above the sector's middle half▲ 24.7%8.5above the sector's middle half▼ 15.8%6.8within the sector's middle half▼ 20.0%7.7above the sector's middle half▲ 13.2%8.5above the sector's middle half▲ 10.4%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 734% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €199,648
Fixed assets
€33,974 ▼ 51.6%
Current assets
€165,674 ▲ 55.5%
Equity and liabilities €199,648
Equity
€15,474 ▲ 197%
Debt
€184,174 ▲ 7.4%
Debt's share of the balance-sheet total falls from 97.0% to 92.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€59,319▼
2024 · €72,723
Cash flow
€49,136▼
2024 · €67,939
Quick ratio
0.92▲
2024 · 0.55
Debt to equity
11.90▼
2024 · 32.89
ROE
66.3%▲
2024 · -44.7%
Interest coverage
26.25▲
2024 · 23.45
Debt ≤ 1 year
€175,891▲
2024 · €164,577
Debt > 1 year
€885▼
2024 · €6,063
Income taxes
€7,925▲
2024 · €2,100
Staff costs
€373,881▲
2024 · €337,081
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,325 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
1.4%
went bankrupt
3.2%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,325 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €1.7m | €1.5m | €1.6m | €1.6m | €1.7m | ▲ 9.5% |
| Non-recurring operating income76A | - | €19,754 | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €1.2m | €1.2m | €1.1m | €1.3m | ▲ 10.8% |
| Remuneration, social security and pensions62 | - | €302,698 | €275,158 | €337,081 | €373,881 | ▲ 10.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €100,694 | €75,488 | €66,648 | €70,272 | €38,878 | ▼ 44.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €840 | - | - |
| Other operating charges640/8 | - | €1,975 | €2,635 | €1,676 | €2,378 | ▲ 41.9% |
| Gross operating margin9900 | €476,970 | €387,670 | €358,675 | €412,320 | €435,578 | ▲ 5.6% |
| Operating profit (loss)9901 | €56,401 | €7,509 | €14,234 | €2,451 | €20,441 | ▲ 734% |
| Financial income75/76B | - | €23 | €5 | €417 | €2 | ▼ 99.5% |
| Recurring financial income75 | €48 | €23 | €5 | €4 | €2 | ▼ 50.0% |
| Non-recurring financial income76B | - | - | - | €413 | - | - |
| Financial charges65/66B | - | €4,506 | €3,392 | €3,101 | €2,260 | ▼ 27.1% |
| Recurring financial charges65 | €5,702 | €4,506 | €3,392 | €3,101 | €2,260 | ▼ 27.1% |
| Profit (loss) for the period before taxes9903 | €50,747 | €3,026 | €10,847 | -€233 | €18,183 | ▲ 7,904% |
| Income taxes67/77 | €5,270 | €3,050 | €5,212 | €2,100 | €7,925 | ▲ 277% |
| Profit (loss) for the period9904 | €45,477 | -€24 | €5,635 | -€2,333 | €10,258 | ▲ 540% |
| Profit (loss) for the period to be appropriated9905 | €45,477 | -€24 | €5,635 | -€2,333 | €10,258 | ▲ 540% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €396,582 | €315,316 | €236,190 | €176,719 | €199,648 | ▲ 13.0% |
| Fixed assets21/28 | €237,390 | €165,117 | €100,958 | €70,146 | €33,974 | ▼ 51.6% |
| Tangible fixed assets22/27 | €237,290 | €165,017 | €100,858 | €70,046 | €33,874 | ▼ 51.6% |
| Plant, machinery and equipment23 | - | €18,783 | €10,853 | €12,486 | €7,589 | ▼ 39.2% |
| Furniture and vehicles24 | - | €3,522 | €4,371 | €27,874 | €20,647 | ▼ 25.9% |
| Other tangible fixed assets26 | - | €142,712 | €85,634 | €29,686 | €5,638 | ▼ 81.0% |
| Financial fixed assets28 | €100 | €100 | €100 | €100 | €100 | = |
| Current assets29/58 | €159,192 | €150,199 | €135,232 | €106,573 | €165,674 | ▲ 55.5% |
| Stocks and contracts in progress3 | €58,945 | €58,837 | €21,179 | €16,520 | €3,150 | ▼ 80.9% |
| Stocks30/36 | - | €58,837 | €21,179 | €16,520 | €3,150 | ▼ 80.9% |
| Amounts receivable within one year40/41 | €36,337 | €60,415 | €52,354 | €63,521 | €79,712 | ▲ 25.5% |
| Trade receivables40 | - | €35,160 | €27,977 | €28,167 | €40,440 | ▲ 43.6% |
| Other amounts receivable41 | - | €25,255 | €24,377 | €35,354 | €39,272 | ▲ 11.1% |
| Current investments50/53 | - | €30,866 | - | - | - | - |
| Cash at bank and in hand54/58 | €63,848 | - | €61,699 | €26,532 | €82,812 | ▲ 212% |
| Deferred charges and accrued income490/1 | - | €81 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €396,582 | €315,316 | €236,190 | €176,719 | €199,648 | ▲ 13.0% |
| Equity10/15 | €1,937 | €1,913 | €7,548 | €5,215 | €15,474 | ▲ 197% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | - | - | €1,348 | - | €9,000 | - |
| Non-distributable reserves130/1 | - | - | €1,348 | - | - | - |
| Reserves not available under the articles1311 | - | - | €1,348 | - | - | - |
| Distributable reserves133 | - | - | - | - | €9,000 | - |
| Profit (loss) carried forward14 | -€4,263 | -€4,287 | - | -€985 | €274 | ▲ 128% |
| Amounts payable17/49 | €394,645 | €313,403 | €228,642 | €171,504 | €184,174 | ▲ 7.4% |
| Amounts payable after more than one year17 | €211,152 | €136,527 | €60,933 | €6,063 | €885 | ▼ 85.4% |
| Financial debts170/4 | - | €136,527 | €60,933 | €6,063 | €885 | ▼ 85.4% |
| Amounts payable within one year42/48 | €181,869 | €175,884 | €166,717 | €164,577 | €175,891 | ▲ 6.9% |
| Current portion of amounts payable after more than one year42 | - | €80,800 | €81,850 | €72,231 | €5,179 | ▼ 92.8% |
| Trade debts44 | €54,882 | €73,128 | €58,943 | €60,174 | €117,699 | ▲ 95.6% |
| Suppliers440/4 | - | €73,128 | €58,943 | €60,174 | €117,699 | ▲ 95.6% |
| Taxes, remuneration and social security45 | - | €21,780 | €25,757 | €31,983 | €52,837 | ▲ 65.2% |
| Taxes450/3 | - | €1,893 | €3,412 | €3,510 | €9,340 | ▲ 166% |
| Remuneration and social security454/9 | - | €19,887 | €22,345 | €28,473 | €43,497 | ▲ 52.8% |
| Other amounts payable47/48 | - | €176 | €167 | €189 | €176 | ▼ 6.9% |
| Accrued charges and deferred income492/3 | - | €992 | €992 | €864 | €7,398 | ▲ 756% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €45,477 | -€24 | €5,635 | -€2,333 | €10,258 | ▲ 540% |
| + Depreciation and write-downs630 | €100,694 | €75,488 | €66,648 | €70,272 | €38,878 | ▼ 44.7% |
| Operating cash flow (approximation) | €146,171 | €75,464 | €72,283 | €67,939 | €49,136 | ▼ 27.7% |
| Investment in fixed assets (approximation) | - | -€3,215 | -€2,489 | -€39,460 | -€2,706 | ▲ 93.1% |
| Change in cash | - | - | - | -€35,167 | €56,280 | ▲ 260% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
State Gazette act
Appointment: Opsomer Celine (director)3 facts ▸
State Gazette act
Appointment: Opsomer Celine (director)
3 facts ▸
- General meeting, 01-07-2026
- Director appointment, Opsomer Celine (director)
- Director in office, Opsomer Bert (director)
2025
15-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Back to profitnet €10,258
Net result €10,258 after one loss-making year.
2024
16-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
20-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-06
Financial
Back to profitnet €5,635
Net result €5,635 after one loss-making year.
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
03-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Back to profitnet €45,477
Net result €45,477 after one loss-making year.
19-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Weakest financial yearnet -€4,658
Net result drops to -€4,658, the lowest in the series; recovery starts the following year.
23-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2018
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
20-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
13-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
Opsomer Celine
CurrentDirector · since 01-07-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
4 of this company's 5 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Temse · 1 establishment unit since 2014
Ground area
509 m²
Building footprint
393 m²
Volume, LiDAR
1,580 m³
Parcel 46008A1055/00K000, Flanders · tallest building 9.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
RUBOP
since 20142.243.589.313
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46008A1055/00K000 | Flanders | 509 m² | 1 · 393 m² | 9.4 m · 1 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.
Mandate history
1 person since 2026, 1 in office
- Board
| Name | Functions and periods |
|---|---|
| Opsomer Celine |
|
Structure & network
Owners and holdings
1 ownerOwners 1
- Sourceaccounts BCA 202550%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
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Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 1,323 EUR awarded · 1,147 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 176 EUR | 0 EUR |
| 2024 | 1 | 1,147 EUR | 1,147 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyTemse2.243.589.313
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Of 3,043 companies in sector 47221 we hold annual accounts for 1,566. 911 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
Founded23-12-2014
Fiscal year end30-06
Activities, NACEBEL 2025
47221Retail sale of meat and meat products, excluding game and poultry
E-invoicing
Reachable via Peppol
Peppol ID
0208:0507714034
Registered
03-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.