RUBY
ActiveSummary
RUBY has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.47M and a net result of €3.90M. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 61% of 3705 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency66▼-3
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160k at 30 days acceptable
Liquidity short (current ratio 0.72 against 1.09 in 2024; short-term debt: 58.9% and cash: 8.7% of total assets), and 59.4% 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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% 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
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
40.6%
Return on assets
64%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-04-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
14 d early
2023
40 d early
2022
39 d early
2021
36 d early
2019
1 d early
2018
15 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
History
Financials · fiscal year 2025, abbreviated schema
Equity
€2.47M▼ 34.4%
2024 · €3.77M
Total assets
€6.09M▼ 29.1%
2024 · €8.60M
Net result
€3.90M▲ 11.4%
2024 · €3.50M
Working capital
€-1.01M
2024 · €411k
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
Line20212022202320242025
Operating result€3.22M-€3.74M▲ 16.2%€4.21M▲ 12.5%€4.68M▲ 11.0%€5.13M▲ 9.6%
Net result€2.42M-€2.78M▲ 14.9%€3.14M▲ 12.9%€3.50M▲ 11.4%€3.90M▲ 11.4%
Equity€3.72M-€2.93M▼ 21.2%€3.43M▲ 17.1%€3.77M▲ 9.8%€2.47M▼ 34.4%
Total assets€5.29M-€4.83M▼ 8.6%€6.51M▲ 34.7%€8.60M▲ 32.1%€6.09M▼ 29.1%
Debt€1.57M-€1.90M▲ 21.3%€3.08M▲ 61.7%€4.83M▲ 56.9%€3.62M▼ 25.0%
Working capital€1.26M-€-225k€157k€411k▲ 161%€-1.01M
Staff (FTE)45-48.8▲ 8.4%44.5▼ 8.8%49.5▲ 11.2%51.4▲ 3.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.09M
Fixed assets
€3.52M ▼ 6.1%
Current assets
€2.57M ▼ 46.9%
Equity and liabilities €6.09M
Equity
€2.47M ▼ 34.4%
Debt
€3.62M ▼ 25.0%
Debt's share of the balance-sheet total rises from 56.2% to 59.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€5.50M▲
2024 · €5.04M
Cash flow
€4.27M▲
2024 · €3.86M
Current ratio
0.72▼
2024 · 1.09
Quick ratio
0.48▼
2024 · 0.92
Debt to equity
1.47▲
2024 · 1.28
ROE
157.7%▲
2024 · 92.9%
ROA
64.0%▲
2024 · 40.7%
Interest coverage
61.47▼
2024 · 64.03
Debt ≤ 1 year
€3.59M▼
2024 · €4.44M
Debt > 1 year
€0▼
2024 · €355k
Income taxes
€1.25M▲
2024 · €1.12M
Staff costs
€3.19M▲
2024 · €3.05M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €10k | €339 | €0 | €3k | - |
| Remuneration, social security and pensions62 | - | €2.77M | €2.65M | €3.05M | €3.19M | ▲ 4.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €574k | €351k | €315k | €361k | €373k | ▲ 3.2% |
| Other operating charges640/8 | - | €21k | €21k | €25k | €26k | ▲ 1.5% |
| Non-recurring operating charges66A | - | €383 | €0 | - | €4k | - |
| Gross operating margin9900 | €6.14M | €6.89M | €7.20M | €8.11M | €8.71M | ▲ 7.5% |
| Operating profit (loss)9901 | €3.22M | €3.74M | €4.21M | €4.68M | €5.13M | ▲ 9.6% |
| Financial income75/76B | - | €851 | €5k | €20k | €106k | ▲ 442% |
| Recurring financial income75 | €430 | €851 | €5k | €20k | €106k | ▲ 442% |
| Financial charges65/66B | - | €51k | €68k | €79k | €89k | ▲ 13.7% |
| Recurring financial charges65 | €50k | €51k | €68k | €79k | €89k | ▲ 13.7% |
| Profit (loss) for the period before taxes9903 | €3.17M | €3.69M | €4.15M | €4.62M | €5.14M | ▲ 11.4% |
| Income taxes67/77 | €750k | €912k | €1.01M | €1.12M | €1.25M | ▲ 11.4% |
| Profit (loss) for the period9904 | €2.42M | €2.78M | €3.14M | €3.50M | €3.90M | ▲ 11.4% |
| Profit (loss) for the period to be appropriated9905 | €2.42M | €2.78M | €3.14M | €3.50M | €3.90M | ▲ 11.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5.29M | €4.83M | €6.51M | €8.60M | €6.09M | ▼ 29.1% |
| Fixed assets21/28 | €2.52M | €3.88M | €3.72M | €3.75M | €3.52M | ▼ 6.1% |
| Intangible fixed assets21 | €4k | €2k | €666 | €0 | - | - |
| Tangible fixed assets22/27 | €2.52M | €3.87M | €3.72M | €3.75M | €3.52M | ▼ 6.1% |
| Land and buildings22 | - | €3.05M | €2.94M | €2.87M | €2.75M | ▼ 3.9% |
| Plant, machinery and equipment23 | - | €196k | €175k | €146k | €151k | ▲ 3.8% |
| Furniture and vehicles24 | - | €10k | €77k | €283k | €245k | ▼ 13.3% |
| Other tangible fixed assets26 | - | €621k | €532k | €456k | €370k | ▼ 18.9% |
| Financial fixed assets28 | - | €2k | €2k | €0 | - | - |
| Current assets29/58 | €2.77M | €955k | €2.79M | €4.85M | €2.57M | ▼ 46.9% |
| Stocks and contracts in progress3 | €638k | €673k | €803k | €752k | €857k | ▲ 14.1% |
| Stocks30/36 | - | €673k | €803k | €752k | €857k | ▲ 14.1% |
| Amounts receivable within one year40/41 | €32k | €25k | €32k | €693k | €122k | ▼ 82.4% |
| Trade receivables40 | - | €3k | €14k | €9k | €9k | ▼ 5.5% |
| Other amounts receivable41 | - | €21k | €17k | €684k | €113k | ▼ 83.4% |
| Current investments50/53 | - | - | - | €2.00M | €1.00M | ▼ 50.0% |
| Cash at bank and in hand54/58 | €2.06M | €221k | €1.92M | €1.36M | €532k | ▼ 61.0% |
| Deferred charges and accrued income490/1 | - | €36k | €32k | €38k | €63k | ▲ 65.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5.29M | €4.83M | €6.51M | €8.60M | €6.09M | ▼ 29.1% |
| Equity10/15 | €3.72M | €2.93M | €3.43M | €3.77M | €2.47M | ▼ 34.4% |
| Contributions10/11 | €75k | €75k | €75k | €75k | €75k | = |
| Capital10 | - | €75k | €75k | €75k | €75k | = |
| Issued capital100 | - | €75k | €75k | €75k | €75k | = |
| Reserves13 | €3.64M | €2.86M | €3.36M | €3.69M | €2.40M | ▼ 35.1% |
| Non-distributable reserves130/1 | - | €8k | €8k | €8k | €8k | = |
| Legal reserve130 | - | €8k | €8k | €8k | €8k | = |
| Distributable reserves133 | - | €2.85M | €3.35M | €3.68M | €2.39M | ▼ 35.1% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €1.57M | €1.90M | €3.08M | €4.83M | €3.62M | ▼ 25.0% |
| Amounts payable after more than one year17 | €56k | €713k | €426k | €355k | €0 | ▼ 100% |
| Financial debts170/4 | - | €713k | €426k | €355k | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €1.51M | €1.18M | €2.63M | €4.44M | €3.59M | ▼ 19.1% |
| Current portion of amounts payable after more than one year42 | - | €96k | €71k | €71k | €7k | ▼ 90.4% |
| Financial debts43 | - | €0 | - | - | €303k | - |
| Credit institutions430/8 | - | €0 | - | - | €303k | - |
| Trade debts44 | €481k | €599k | €551k | €755k | €649k | ▼ 14.1% |
| Suppliers440/4 | - | €599k | €551k | €755k | €649k | ▼ 14.1% |
| Advances received on contracts in progress46 | - | €11k | €12k | €15k | €25k | ▲ 64.3% |
| Taxes, remuneration and social security45 | - | €398k | €351k | €427k | €410k | ▼ 4.0% |
| Taxes450/3 | - | €195k | €122k | €128k | €135k | ▲ 5.3% |
| Remuneration and social security454/9 | - | €203k | €229k | €299k | €275k | ▼ 8.0% |
| Other amounts payable47/48 | - | €75k | €1.64M | €3.17M | €2.19M | ▼ 30.8% |
| Accrued charges and deferred income492/3 | - | €11k | €23k | €39k | €36k | ▼ 9.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2.42M | €2.78M | €3.14M | €3.50M | €3.90M | ▲ 11.4% |
| + Depreciation and write-downs630 | €574k | €351k | €315k | €361k | €373k | ▲ 3.2% |
| Operating cash flow (approximation) | €2.99M | €3.13M | €3.46M | €3.86M | €4.27M | ▲ 10.6% |
| Investment in fixed assets (approximation) | - | €-1.71M | €-160k | €-388k | €-142k | ▲ 63.2% |
| Change in cash | - | €-1.84M | €1.70M | €-556k | €-831k | ▼ 49.5% |
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
16-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Highest result since 2018net €3.90M ▲11.4%
Operating result €5.13M, net result €3.90M, both a record.
16-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
21-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
22-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Liquidity triplescurrent ratio 1.83
Current ratio from 0.62 to 1.83; short-term debt falls from €1.83M to €1.51M.
30-09
Financial
Equity above €2MEq €3.72M ▲101%
3 profitable years in a row build equity to €3.72M.
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €1.72M ▼4.8%
Net result drops to €1.72M, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
14-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Knokke-Heist · 1 establishment unit since 1994
Ground area
551 m²
Building footprint
650 m²
Volume, LiDAR
8,731 m³
Parcel 31013A0442/00A000, Flanders · tallest building 32.0 m, ±6 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
RUBENS
since 19942.067.459.087
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31013A0442/00A000indicative | Flanders | 551 m² | 1 · 650 m² | 32.0 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Recognitions · licences · registrations
Food safety, FASFC
1 siteKnokke-Heist2.067.459.087
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Of 20,501 companies in sector 56111 we hold annual accounts for 11,452. 1,800 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded18-06-1994
Fiscal year end30-09
Activities, NACEBEL 2025
56111Full-service restaurants
Scores and ratios are computed by Checked and are not a credit decision.