Rubria

Active

Private limited companyfounded 201115 yrs activePeerstraat 91, 9000 Gent, BelgiumKBO/BCE: BE 0833.558.909

Rubria has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €347k and a net result of €150k. Its solvency ranks better than 80% of 9450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

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Checked score

Score 2025

86 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency100▲+13

Growth52

Track record100

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €25k at 30 days acceptable

Liquidity ample (current ratio 5.48 against 2.61 in 2024; short-term debt: 17.9% and cash: 0.8% of total assets), and 18.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 71

Relative position

BE, all sectors

reference

Sector 71

lower

← fewer bankruptcies more bankruptcies →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

81.9%

Return on assets

35.3%

Age of the figures

18 mo

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

1 d early

2024

6 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.

Companies Code · seven months

Position in the running window

31-03-2026 close22-09-2026 today31-10-2026 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€347k▲ 3.5%

2024 · €335k

2024: €335k

2024 → 2025

Total assets

€424k▼ 21.8%

2024 · €542k

2024: €542k

2024 → 2025

Net result

€150k▼ 34.8%

2024 · €229k

2024: €229k

2024 → 2025

Working capital

€340k▲ 3.3%

2024 · €329k

2024: €329k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€335k-€347k▲ 3.5%

Operating result€339k-€221k▼ 34.8%

Net result€229k-€150k▼ 34.8%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 35% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €424k

98.1%

Fixed assets €8k▼ 11.9%

Current assets €416k▼ 22.0%

Equity and liabilities €424k

81.9%

18.1%

Equity €347k▲ 3.5%

Debt €77k▼ 62.8%

The debt ratio falls from 38.1% to 18.1%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€224k▼

2024 · €342k

Cash flow

€152k▼

2024 · €233k

Solvency

81.9%▲

2024 · 61.9%

Current ratio

5.48▲

2024 · 2.61

Quick ratio

5.48▲

2024 · 2.61

Debt / equity

0.22▼

2024 · 0.62

ROE

43.1%▼

2024 · 68.4%

ROA

35.3%▼

2024 · 42.3%

Interest coverage

179.46▲

2024 · 168.76

Debt

€77k▼

2024 · €207k

Debt ≤ 1 year

€76k▼

2024 · €204k

Debt > 1 year

€935▼

2024 · €3k

Income taxes

€70k▼

2024 · €107k

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€542k€424k▼

Fixed assets21/28€9k€8k▼

Tangible fixed assets22/27€9k€8k▼

Furniture and vehicles24€6k€6k▼

Other tangible fixed assets26€3k€2k▼

Financial fixed assets28€100€100=

Current assets29/58€533k€416k▼

Amounts receivable after more than one year29€198k€98k▼

Other amounts receivable291€198k€98k▼

Amounts receivable within one year40/41€309k€313k▲

Trade receivables40€307k€262k▼

Other amounts receivable41€2k€51k▲

Cash at bank and in hand54/58€24k€4k▼

Deferred charges and accrued income490/1€915€1k▲

Equity and liabilities

Total equity and liabilities10/49€542k€424k▼

Equity10/15€335k€347k▲

Contributions10/11€1k€1k=

Reserves13€334k€346k▲

Distributable reserves133€334k€346k▲

Amounts payable17/49€207k€77k▼

Amounts payable after more than one year17€3k€935▼

Financial debts170/4€3k€935▼

Amounts payable within one year42/48€204k€76k▼

Current portion of amounts payable after more than one year42€15k€10k▼

Trade debts44€8k€11k▲

Suppliers440/4€8k€11k▲

Taxes, remuneration and social security45€81k€54k▼

Taxes450/3€81k€54k▼

Other amounts payable47/48€100k€1k▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼

Other operating charges640/8€3k€3k▼

Non-recurring operating charges66A€11k-

Gross operating margin9900€356k€226k▼

Operating profit (loss)9901€339k€221k▼

Financial income75/76B€2-

Recurring financial income75€2-

Financial charges65/66B€2k€1k▼

Recurring financial charges65€2k€1k▼

Profit (loss) for the period before taxes9903€337k€220k▼

Income taxes67/77€107k€70k▼

Profit (loss) for the period9904€229k€150k▼

Profit (loss) for the period to be appropriated9905€229k€150k▼

Appropriation of the result

Profit (loss) to be appropriated9906€229k€150k▼

Transfer from equity791/2€83k€138k▲

Transfer to equity691/2€229k€150k▼

To other reserves6921€229k€150k▼

Profit to be distributed694/7€83k€138k▲

Return on contributions (dividend)694€83k€138k▲

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-10-2026

2025

30-10

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

31-03

Financial Liquidity doublescurrent ratio 5.48

Current ratio from 2.61 to 5.48; short-term debt falls from €204k to €76k.

2024

25-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

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, Gent · 1 establishment unit since 2011

establishment The establishment unit on the map

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.

Peerstraat 919000 Gent

Ground area

1,062 m²

Building footprint

315 m²

Volume, LiDAR

1,607 m³

2 parcels, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Rubria

Peerstraat 151, 9000 GentOther business support services

since 20112.196.740.093

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44816K0821/00S000 ProtectedMonumentBeluik Hof van BarmhartigheidSource ↗	Flanders	840 m²	1 · 246 m²	8.4 m · 1 fl.
44816K0842/00X002	Flanders	222 m²	1 · 68 m²	10.8 m · 3 fl.