RUBUS
ActiveRUBUS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.52M and a net result of €598k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 36% of 5495 sector peers (fiscal year 2025). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
29 d late
2023
28 d late
2022
20 d late
2021
4 d late
2020
5 d late
2019
31 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.52M▲ 31.0%
2024 · €1.93M
2018: €1.57M
2019: €1.71M
2020: €1.82M
2021: €1.66M
2022: €1.90M
2023: €1.86M
2024: €1.93M
2018 → 2025
Net result
€598k▲ 850%
2024 · €63k
2018: €92k
2019: €142k
2020: €105k
2021: €197k
2022: €351k
2023: €337k
2024: €63k
2018 → 2025
Total assets
€6.89M▼ 1.8%
2024 · €7.01M
2018: €1.71M
2019: €1.77M
2020: €1.88M
2021: €1.71M
2022: €9.78M
2023: €6.84M
2024: €7.01M
2018 → 2025
Solvency
36.6%▲ 9.2pp
2024 · 27.5%
2018: 92.0%
2019: 96.7%
2020: 96.9%
2021: 97.0%
2022: 19.4%
2023: 27.2%
2024: 27.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.66M-€1.90M▲ 14.5%€1.86M▼ 1.7%€1.93M▲ 3.4%€2.52M▲ 31.0%
Operating result€230k-€496k▲ 116%€314k▼ 36.7%€76k▼ 75.7%€131k▲ 71.9%
Net result€197k-€351k▲ 77.7%€337k▼ 3.8%€63k▼ 81.3%€598k▲ 850%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 72% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.89M
Fixed assets
€2.75M=
Current assets
€4.14M▼ 2.9%
Equity and liabilities €6.89M
Equity
€2.52M▲ 31.0%
Debt
€4.37M▼ 14.2%
The debt ratio falls from 72.5% to 63.4%: equity grows while debt is paid down.
Key figures and ratios
Solvency
36.6%▲
2024 · 27.5%
ROE
23.7%▲
2024 · 3.3%
ROA
8.7%▲
2024 · 0.9%
Debt
€4.37M▼
2024 · €5.09M
Debt ≤ 1 year
€47k▼
2024 · €2.04M
Debt > 1 year
€4.25M▲
2024 · €2.75M
Income taxes
€23k▲
2024 · €303
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€7.01M€6.89M▼
Fixed assets21/28€2.75M€2.75M=
Tangible fixed assets22/27€4k€4k▲
Furniture and vehicles24€4k€4k▲
Financial fixed assets28€2.75M€2.75M=
Current assets29/58€4.26M€4.14M▼
Amounts receivable within one year40/41€556k€771k▲
Trade receivables40€21k€24k▲
Other amounts receivable41€535k€747k▲
Current investments50/53€2.98M€3.05M▲
Cash at bank and in hand54/58€623k€223k▼
Deferred charges and accrued income490/1€97k€90k▼
Equity and liabilities
Total equity and liabilities10/49€7.01M€6.89M▼
Equity10/15€1.93M€2.52M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€1.46M€1.46M=
Non-distributable reserves130/1€205k€205k=
Legal reserve130€205k€205k=
Distributable reserves133€1.26M€1.26M=
Profit (loss) carried forward14€402k€1,000k▲
Amounts payable17/49€5.09M€4.37M▼
Amounts payable after more than one year17€2.75M€4.25M▲
Financial debts170/4€2.75M€4.25M▲
Amounts payable within one year42/48€2.04M€47k▼
Trade debts44€5k€6k▲
Suppliers440/4€5k€6k▲
Taxes, remuneration and social security45€7k€9k▲
Taxes450/3€7k€9k▲
Other amounts payable47/48€2.03M€31k▼
Accrued charges and deferred income492/3€293k€68k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€968€47▼
Gross operating margin9900€78k€132k▲
Operating profit (loss)9901€76k€131k▲
Financial income75/76B€111k€628k▲
Recurring financial income75€111k€628k▲
Financial charges65/66B€124k€138k▲
Recurring financial charges65€124k€138k▲
Profit (loss) for the period before taxes9903€63k€621k▲
Income taxes67/77€303€23k▲
Profit (loss) for the period9904€63k€598k▲
Profit (loss) for the period to be appropriated9905€63k€598k▲
Appropriation of the result
Profit (loss) to be appropriated9906€402k€1,000k▲
Profit (loss) brought forward from the previous period14P€339k€402k▲
The notes to these accounts (6 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €598k ▲850%
Net result €598k, the highest in the series.
31-12
Financial
Liquidity times 42current ratio 87.97
Current ratio from 2.08 to 87.97; short-term debt falls from €2.04M to €47k.
31-12
Financial
Equity above €2MEq €2.52M ▲31%
8 profitable years in a row build equity to €2.52M.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €63k ▼81.3%
Net result drops to €63k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 2.08
Current ratio from 0.85 to 2.08; short-term debt falls from €4.79M to €2.04M.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
20-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 20 days late
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
12-08
State Gazette act
Board meeting · Director appointment
Permanent representative · Director resignation
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
28-07
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
2019
31-12
Financial
Liquidity triplescurrent ratio 25.14
Current ratio from 10.05 to 25.14; short-term debt falls from €137k to €58k.
30-10
State Gazette act
Board meeting · Director appointment
Permanent representative · Mandate compensation
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 13 days late
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 10 days late
2015
10-07
State Gazette act
General meeting · Legal-form conversion
Capital · Corporate purpose · Kim Lagae
09-06
State Gazette act
General meeting · Director reappointment
Permanent representative · Mandate term
2010
05-11
State Gazette act
Incorporation · Founding capital
Bank account · Corporate purpose · Jean-Philippe Lagae
03-06
State Gazette act
General meeting · Director resignation
Director appointment
2005
07-11
State Gazette act
Board meeting · General meeting
Director resignation · Director appointment
07-11
State Gazette act
Board meeting · General meeting
Director resignation · Director appointment
03-01
State Gazette act
General meeting · Name change
Statutes amendment · Capital
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Tervuren · 1 establishment unit since 1999
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.
Constant Dereymaekerlaan 473080 TervurenGround area
1,270 m²
Building footprint
235 m²
Volume, LiDAR
935 m³
Parcel 24104C0132/00A003, Flanders · tallest building 13.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Constant Dereymaekerlaan 47, 3080 Tervuren
since 19992.091.883.885
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24104C0132/00A003 | Flanders | 1,269 m² | 1 · 235 m² | 13.7 m · 1 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.
Structure & network
Connections & network
2 connected companiesNetwork connections
Shared director
→
Shared director
→
Ownership & control
4 partiesRUBUSBE 0466.302.754
controls
Where this company holds controlthis company sits on their board4
27 locations
1 subsidiary · 3 locations
2 locations
1 location
Recognitions · licences · registrations
Legal Entity Identifier
967600KSVP4HBNB08C51
Similar companies · same sector, comparable size
REBANO
BE 0732.654.163
Houthalen-Helchteren · Eq €2.52M
ALCYVER
BE 1017.037.773
Wielsbeke · Eq €2.52M
K-R-INVEST
BE 0844.285.822
Herentals · Eq €2.52M
IPARCO
BE 0464.312.868
Vorst · Eq €2.52M
KUURNSE BEHEERMAATSCHAPPIJ
BE 0439.778.895
Kuurne · Eq €2.52M
Of 24,636 companies in sector 64210 we hold annual accounts for 19,688. 10,190 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded18-06-1999
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
70100Activities of head offices
74152
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.