Turnover
≈ €40,000 estimated
The accounts state no turnover.
RUBY CARMEN
Overview
Lifetime
4 annual accounts with figures on one time axispeak €30,533 (2024)
€7,100▼ 76.7%
lowest -€2,529 (2022)
€1,865▼ 91.8%
peak €35,595 (2025)
€35,595▲ 5.5%
€38,585▼ 14.9%
Board2 names since 2022
1 directorHANZE, Lisa
Documentsfilings and deeds
29-07-20262 days before the deadline
2025micro format
Gross margin from €30,533 to €7,100Result from €22,823 to €1,865Registered office moved from Antwerp to Grimbergen 14-11Cash from €22,583 to €5,011
Key points
from the 2025 annual accountsChecked score
66
Healthy
Financially stronger than 38% of micro companies in advertising and market research (NACE 73)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 11,228 companies (NACE 73, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025lowest value
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025
08-2025: 0.6%▲ +0.3 percentage points vs 07-2025
09-2025: 0.3%▼ -0.3 percentage points vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.4%▲ +0.1 percentage points vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.3%▼ -0.1 percentage points vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 1.0%▲ +0.7 percentage points vs 07-2026
09-2026: 1.0%● unchanged vs 08-2026
10-2026: 1.0%● unchanged vs 09-2026highest value
11-2026: 1.0%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Founded in 2022
1 change of registered office in 24 months
lowers risk
Sector: Advertising, market research and public relations activities (NACE 73)
Figures for financial year 2025 (filed on 03-08-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 73, micro). It does better than 48% of them on solvency, 18% on liquidity, 31% on profitability and 55% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,546 companies had the same profile as RUBY CARMEN has now. Each dot stands for 7 companies, two years later.
94.2%
were still trading
3.2%
stopped another way
2.3%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of RUBY CARMEN itself: 1.0% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,546 companies, not a prediction for RUBY CARMEN. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.86 (3.22 in 2024), above the usual 1.5. Short-term debt is 52% and cash 6.8% of total assets. However, 52% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 29-07-2026, 2 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
2 days early
2024
22 days late
2023
28 days early
2022
59 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 17 days before the deadline. In the sector (NACE 73), the median for financial year 2024 was 6 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 17 July (3 of the last 4 accounts filed within 36 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- HANZE, Lisa founderdeed of 11-07-2022
- VAN ACKER, Benedict founderdeed of 11-07-2022
- HANZE, Marc Louis Richard founderdeed of 11-07-2022
Recent changes
Registered office moved from Antwerp to Grimbergen
New registered office: Oude Mechelsestraat 10, 1853 Grimbergen · Previous registered office: Hessenstraatje 3 bus 8, 2000 Antwerpen · Resignation: Benedict Van Acker (director) · General meeting of 01-07-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0788357305
Incorporation
Founders: HANZE, Lisa; VAN ACKER, Benedict; HANZE, Marc Louis Richard; and 2 others · 1,000 shares · Appointments: HANZE, Lisa (director) and VAN ACKER, Benedict (director) · published on 11-07-2022 · Gazette deed
First establishment
Oude Mechelsestraat 10, Grimbergen
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| RUBY CARMEN Grimbergen | €74,180 | €7,100 | 48.0% | - |
| EXSPECTO Tielt-Winge | €63,920 | €6,698 | 5.6% | - |
| MB4 CONSULTING Mons | €72,896 | €6,318 | 15.6% | - |
| The Collective Zedelgem | €88,337 | €6,505 | 38.5% | - |
| Reclamebureau THINK Oostkamp | €86,264 | €6,705 | 35.3% | - |
| IZAL Waterloo | €65,304 | €6,020 | -2.2% | - |
| Blueblended Kampenhout | €82,924 | €4,951 | 90.6% | - |
These companies have the same main activity as RUBY CARMEN: advertising agencies (NACE 73110). They are comparable in size and age: total assets between €63,900 and €88,300, founded between 2021 and 2023.
Official details
Source: KBO- Status
- Active since 07-07-2022Normal situation
- Activity
- Advertising agenciesNACE 73110and 6 others
- Establishment unit
- 2.334.259.4681853 Grimbergen, since 07-07-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 08-08-2025
Annual accounts 2025
- €7,100▼ 76.7%
- €1,865▼ 91.8%
- €35,595▲ 5.5%
- €74,180▼ 6.2%
- Filing
- Filed on 29-07-2026, 2 days before the end of the filing period
Insights on RUBY CARMEN
RUBY CARMEN files the micro format. That format states no turnover. The gross margin rose from -€2,112 in 2022 to €7,100 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 29-07-2026, 2 days before the deadline€7,100
▼ 76.7%
€3,683
▼ 87.2%
€1,865
▼ 91.8%
€33,005
▼ 36.3%
48.0%
▲ 5.3 percentage points
1.86
▼ 1.37
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €40,000. Estimated: probably between €21,000 and €78,000.
Balance sheet
balance sheet total €74,180 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
48.0%
Higher than 46% of 8,614 companies in 2025.
1.86
Higher than 47% of 8,290 companies in 2025.
2.5%
Higher than 32% of 8,399 companies in 2025.
RUBY CARMEN
Middle half of the sector
80% of the sector
Micro accounts in advertising and market research (NACE 73)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
74,180 | 79,075 | 22,702 | 54,115 | |
21/28 |
2,589 | 3,888 | 1,336 | - | |
22/27 |
2,589 | 3,888 | 1,336 | - | |
23 |
1,567 | 2,525 | 1,336 | - | |
24 |
1,022 | 1,362 | - | - | |
29/58 |
71,590 | 75,187 | 21,365 | 54,115 | |
40/41 |
65,043 | 51,612 | 14,947 | 47,440 | |
40 |
48,371 | 51,612 | 12,522 | 46,948 | |
41 |
16,671 | 0 | 2,425 | 492 | |
54/58 |
5,011 | 22,583 | 5,841 | 6,675 | |
490/1 |
1,537 | 992 | 578 | - | |
| Balance sheet: equity and liabilities | |||||
10/49 |
74,180 | 79,075 | 22,702 | 54,115 | |
10/15 |
35,595 | 33,730 | 10,907 | 7,471 | |
10/11 |
10,000 | 10,000 | 10,000 | 10,000 | |
14 |
25,595 | 23,730 | 907 | -2,529 | |
17/49 |
38,585 | 45,345 | 11,794 | 46,644 | |
42/48 |
38,585 | 23,346 | 11,794 | 10,644 | |
43 |
185 | 591 | - | - | |
430/8 |
185 | 591 | - | - | |
44 |
33,964 | 21,918 | 11,563 | 2,878 | |
440/4 |
33,964 | 21,918 | 11,563 | 2,878 | |
45 |
4,197 | 679 | 227 | 7,761 | |
450/3 |
4,197 | 679 | 227 | 7,761 | |
47/48 |
239 | 158 | 5 | 5 | |
492/3 |
- | 21,999 | - | 36,000 | |
| Income statement | |||||
9900 |
7,100 | 30,533 | 4,979 | -2,112 | |
630 |
1,298 | 999 | 429 | - | |
640/8 |
2,118 | 858 | 109 | 391 | |
9901 |
3,683 | 28,677 | 4,441 | -2,504 | |
75/76B |
- | 9 | 2 | - | |
75 |
- | 9 | 2 | - | |
65/66B |
1,290 | 184 | 780 | 25 | |
65 |
1,290 | 184 | 780 | 25 | |
9903 |
2,393 | 28,502 | 3,663 | -2,529 | |
67/77 |
528 | 5,679 | 227 | - | |
9904 |
1,865 | 22,823 | 3,436 | -2,529 | |
9905 |
1,865 | 22,823 | 3,436 | -2,529 | |
| Appropriation of the result | |||||
9906 |
25,595 | 23,730 | 907 | -2,529 | |
14P |
23,730 | 907 | -2,529 | - | |
| Document | |||||
The notes to these accounts have 4 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 29-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| 4,982 | 29,675 | 4,870 | - | ||
| 3,163 | 23,822 | 3,865 | - | ||
| 0 | 3,550 | 1,765 | - | ||
| -17,572 | 16,743 | -834 | - | ||
| 33,005 | 51,841 | 9,571 | 43,471 | ||
| 48.0% | 42.7% | 48.0% | 13.8% | ||
| 1.86 | 3.22 | 1.81 | 5.08 | ||
| 1.08 | 1.34 | 1.08 | 6.24 | ||
| 5.2% | 67.7% | 31.5% | -33.8% | ||
| 2.5% | 28.9% | 15.1% | -4.7% | ||
| 3.86 | over 100 | 6.24 | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Tangible fixed assets | - | €3,550 | €1,765 | - |
| €1,298 | €999 | €429 | - |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on RUBY CARMEN
The operating result for 2025 is 87% lower than in 2024 and the lowest since 2022.
Debt's share of the balance-sheet total falls from 57.3% to 52.0%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, no change since 2025Director
appointed by deed of 11-07-2022
term without a fixed end
listed in the 2025 annual accounts, filed on 29-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 11-07-2022
Mandates through the years
2 names, the dashed line is todayHANZE, Lisa
Director
Director
VAN ACKER, Benedict
Director
Director
BoardEarlier
Mandates as a list
- HANZE, Lisa
- Director, from 07-07-2022 to date
- VAN ACKER, Benedict
- Director, from 07-07-2022 to 14-11-2025
Control
This company
RUBY CARMEN
Equity €35,595
Profit €1,865 in 2025
Capital
- Contribution
- €10,000
- Shares
- 1,000
- Contribution per share
- €10
- Equity per share
- €35.59 in 2025
- Source
- 2025 annual accounts
Articles of association
deed of 11-07-2022 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of June
Founders
At incorporation
deed of 11-07-2022 ↗
- HANZE, Lisa founder
- VAN ACKER, Benedict founder
- HANZE, Marc Louis Richard founder
- CLAES, Tim Gert Felix founder
- MAES, Steven Yvonne Michel founder
Network & group
No group
RUBY CARMEN has no parent and no holdings in its annual accounts. HANZE, Lisa is the only director. RUBY CARMEN shares no director with another company.
Timeline
Timeline
10 events since 2022Board
Filings
Financial
Establishments
Address
20222023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 2 days before the deadline
2025
Registered office moved from Antwerp to GrimbergenNew registered office: Oude Mechelsestraat 10, 1853 Grimbergen · Previous registered office: Hessenstraatje 3 bus 8, 2000 Antwerpen · Resignation: Benedict Van Acker (director) · General meeting of 01-07-20254 points ▸
- General meeting, 01-07-2025
- Registered-office move, Oude Mechelsestraat 10, 1853 Grimbergen
- Director resignation, Benedict Van Acker
- Director discharge, Benedict Van Acker
Annual accounts 2024 filed PDFabbreviated format · 22 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:0788357305
2024
Highest result from 2022 to 2025 net €22,823 ▲564% The operating result of €28,677 and the net result of €22,823 are both a record.
Annual accounts 2023 filed PDFabbreviated format · 28 days before the deadline
2023
Back to profit net €3,436 The net result is €3,436, after one loss-making year.
Annual accounts 2022 filed PDFmicro format · 59 days before the deadline
2022
IncorporationFounders: HANZE, Lisa; VAN ACKER, Benedict; HANZE, Marc Louis Richard; and 2 others · 1,000 shares · Appointments: HANZE, Lisa (director) and VAN ACKER, Benedict (director) · published on 11-07-20229 points ▸
- 1,000 shares
- Founder, HANZE, Lisa
- Founder, VAN ACKER, Benedict
- Founder, HANZE, Marc Louis Richard
- Founder, CLAES, Tim Gert Felix
- Founder, MAES, Steven Yvonne Michel
- Registered office clause, Hessenstraatje 3 bus 8, 2000 Antwerpen
- Director appointment, HANZE, Lisa
- Director appointment, VAN ACKER, Benedict
- The deed holds 2 more points.
First establishment Oude Mechelsestraat 10, Grimbergen
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0788.357.305
- VAT number
- BE 0788.357.305
- Peppol ID
- 0208:0788357305
- Other Peppol ID
- 9925:BE0788357305
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 07-07-2022
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of Junedeed of 11-07-2022 (in Dutch)
- Peppol
- Reachable since 08-08-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- RUBY CARMEN in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 11-07-2022 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 11-07-2022 (in Dutch)
Activities
NACEBEL 202573110
Advertising agencies main activity
62100
Computer programming
73120
Media representation
Codes under NACEBEL 2008
73110
Advertising, market research and public relations activities main activity
62010
Computer programming, consultancy and related activities
70210
Activities of head offices; management consultancy activities
70220
Business consulting
73120
Media representation
74103
Other professional, scientific and technical activities
90029
Arts creation and performing arts activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Groothandel en kleinhandel in alcoholische en niet-alcoholische dranken, voeding, textiel, decoratie; Organiseren voor eigen rekening en…”deed of 11-07-2022 (in Dutch)
8 activities
- Groothandel en kleinhandel in alcoholische en niet-alcoholische dranken, voeding, textiel, decoratie;
- Organiseren voor eigen rekening en voor rekening van derden van feesten, evenementen, beurzen, festivals, optredens enzovoort;
- Manager, producer, promotor, boekingen van muzikanten, bands, koren, artiesten, kunstenaars enzovoort;
- Coaching, geven van cursussen en opleidingen;
- Platenlabel, muziekstudio, marketing- en PR-bureau;
- Beheer van data, muziekbibliotheek, website, webshop, social media beheer;
- Het verlenen van bijstand, advies en leiding aan bedrijven, prive-personen en instellingen, voornamelijk doch niet uitsluitend op het vlak van management, marketing, productie en ontwikkeling, processing en het besturen van vennootschappen, dit alles in de meest ruime betekenis. De vennootschap kan zelf of als tussenpersoon alle hulpmiddelen verschaffen, bestuurdersfuncties waarnemen of laten waarnemen en diensten verlenen die direct of indirect verband houden met de voorgaande. Deze diensten kunnen worden geleverd krachtens een contractuele of statutaire benoeming en in de hoedanigheid van externe raadgever of orgaan van de cliënt. Ter uitvoering van haar opdrachten en voor het waarnemen van bestuursmandaten kan de vennootschap zich laten vertegenwoordigen door haar zaakvoerder of elke andere derde vertegenwoordiger, die door de vennootschap worden afgevaardigd om op te treden in eigen naam doch voor rekening van de vennootschap.
- Het verwerven, beheren en verkopen van onroerende goederen of zakelijke rechten daarop, in België of in het buitenland; het huren, verhuren, in erfpacht of gebruik nemen van onroerende en/of roerende goederen; het vormen en beheren van een onroerend en/of roerend patrimonium bestaande uit lichamelijke of onlichamelijke onroerende en/of roerende goederen; het afsluiten van zakelijke rechten, het aangaan van erfpacht- en opstalovereenkomsten, onroerende leasing.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Oude Mechelsestraat 10 registered office 1853 Grimbergen 47120 Other non-specialised retail sale | 07-07-2022 | 2.334.259.468 |
1 former office
- Hessenstraatje 3 bus 8, 2000 Antwerpen until 01-07-2025 · deed of 14-11-2025
Buildings and parcels at the address
- Ground area
- 120 m²
- Buildings
- 120 m²
- Volume, LiDAR
- 1,066 m³
- Tallest building
- 14.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23084A0110/00K000 | 120 m² | 1 · 120 m² | 14.0 m · 3 |