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Ruby & Partners

Active
Private limited companyfounded 2019active for 7 yearsGalerij van de Louizapoort 21, 1050 Elsene, BelgiumKBO/BCE: BE 0718.672.802

From the official registers: KBO 7 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

Ruby & Partners has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€44,166) and a net result of €14,160. Equity has been shrinking by about 8% per year since 2019. Its solvency ranks better than 9% of 5,709 sector peers (NACE 96, financial year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Overview

Official details

KBO
Status
Active since 15-01-2019 Normal situation
Activity
Beauty care and other beauty treatments NACE 96220and 1 other
Establishment unit
2.287.580.791 1050 Elsene, since 15-01-2019
Financial year end
31 December
Peppol
Reachable since 17-12-2025

Board and ownership

Financial position

55 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.9%
Annual accounts 2025
Gross margin
€86,068
▼ 1.6%
Turnover
≈ €200,000
estimated
Profit
€14,160
Equity
-€44,166
▲ 24.3%
Total assets
€19,576
▲ 39.9%
Staff
≈ 1.7 FTE
estimated
Filed on 29-06-2026, 32 days before the deadlineat the National Bank
Score breakdownraises riskCapped at 59: negative equityNegative equity -€44,166Founded in 2019lowers riskSize: total assets €19,576Liquidity: current ratio 0.19, cash €4,589Show the evidence

Checked score

Score 2025
55 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 49% of micro companies in personal services (NACE 96)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Weak
Solvency 0=
equity -225.6% of total assets
Liquidity 29+29
short-term debt 325.6% · cash 23.4%
Profitability 100+80
return on assets 72.3%
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (7,624 companies, NACE 96, micro)
Last 24 months 11-2024: 2.0% 12-2024: 2.0%● unchanged vs 11-2024 01-2025: 2.0%● unchanged vs 12-2024 02-2025: 2.0%● unchanged vs 01-2025 03-2025: 2.1%▲ +0.1 percentage points vs 02-2025 04-2025: 2.1%● unchanged vs 03-2025 05-2025: 2.0%▼ -0.1 percentage points vs 04-2025 06-2025: 1.9%▼ -0.1 percentage points vs 05-2025 07-2025: 2.0%▲ +0.1 percentage points vs 06-2025 08-2025: 2.7%▲ +0.7 percentage points vs 07-2025highest value 09-2025: 1.7%▼ -1.0 percentage point vs 08-2025 10-2025: 1.7%● unchanged vs 09-2025 11-2025: 1.7%● unchanged vs 10-2025 12-2025: 1.7%● unchanged vs 11-2025 01-2026: 1.7%● unchanged vs 12-2025 02-2026: 1.7%● unchanged vs 01-2026 03-2026: 1.7%● unchanged vs 02-2026 04-2026: 1.8%▲ +0.1 percentage points vs 03-2026 05-2026: 1.7%▼ -0.1 percentage points vs 04-2026 06-2026: 1.7%● unchanged vs 05-2026 07-2026: 1.7%● unchanged vs 06-2026 08-2026: 2.0%▲ +0.3 percentage points vs 07-2026 09-2026: 2.1%▲ +0.1 percentage points vs 08-2026 10-2026: 0.9%▼ -1.2 percentage points vs 09-2026lowest value
No credit on open account
Liquidity is insufficient, with a current ratio of 0.19 (0.09 in 2024), below 1. Short-term debt is 325.6% and cash 23.4% of total assets. Equity is negative.
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 96, micro). It does better than 11% of them on solvency, 23% on liquidity, 93% on profitability and 70% on growth.

The bankruptcy probability was computed on 31-10-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
raises risk · Negative equity -€44,166
NBB · annual accounts
lowers risk · Size: total assets €19,576
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Founded in 2019
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Liquidity: current ratio 0.19, cash €4,589
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 5709 sector peers (2025).
NBB · sector comparison
Position among 5709 sector peers
Solvency
better than 9%
← weakest strongest →
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 29-06-2026, 32 days ahead of the deadline.
NBB · 7 filings
Deviation from the deadline
2025
32 days early
2024
1 day late
2023
15 days late
2022
2 days late
2021
19 days early
2020
36 days early
2019
28 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 6 days before the deadline. In the sector (NACE 96), the median for financial year 2024 was on the deadline day, and 48% 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 1 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€44,166 View
  • Caution: Less equity than 91% of companies in personal servicessector median €15,413 · 5,722 companies -€44,166 View

Comparable companies

These companies have the same main activity as Ruby & Partners: beauty care and other beauty treatments (NACE 96220). They are comparable in size and age: total assets between €17,500 and €35,100, founded between 2016 and 2020.

CompanyTotal assetsGross margin
Ruby & Partners Elsene€19,576€86,068
FASHION NAILS Jette€17,509€89,173
MARINA BEAUTY Brussel€21,863€48,662
BROWCHITECT Aartselaar€17,483€47,519
CONTINIUM Vorst€35,077€65,666
HELLO SUNSHINE Sint-Gillis (bij-Brussel)€25,137€169,237
Beauty Lounge Aartselaar Aartselaar€33,157€88,610
Full comparison

Documents

Annual accounts at the NBB

All 7 annual accounts

Articles and registers

Key facts about Ruby & Partners

What is the company number of Ruby & Partners?
The company number of Ruby & Partners is 0718.672.802. The VAT number is the same number with BE in front: BE 0718.672.802.
Where is Ruby & Partners based?
The registered office is at Galerij van de Louizapoort 21, 1050 Elsene.Company details
What does Ruby & Partners do?
According to the KBO register, the main activity is beauty care and other beauty treatments (NACE 96220).
What is the legal form of Ruby & Partners?
The legal form of Ruby & Partners is Private limited company (BV).
When was Ruby & Partners founded?
Ruby & Partners was founded on 15-01-2019.
Is Ruby & Partners still active?
Yes, Ruby & Partners is an active enterprise in the KBO register.
What is the turnover of Ruby & Partners?
The turnover in financial year 2025 is ≈ €200,000. This figure is estimated from the gross margin of €86,068 and 33 comparable companies (NACE 962). It probably lies between €160,000 and €240,000.Financials
Is Ruby & Partners profitable?
In financial year 2025, Ruby & Partners made a profit of €14,160.
Where can I find the annual accounts of Ruby & Partners?
Ruby & Partners filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of Ruby & Partners due?
Ruby & Partners must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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