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Ruby Solution

Active Private limited companyfounded 2016active for 9 yearsAlfons De Saegherstraat 13, 2870 Puurs-Sint-AmandsKBO/BCE: BE 0667.973.969

Overview

Lifetime

9 annual accounts with figures on one time axis
peak €78,645 (2024)
€41,538▼ 47.2%
peak €51,230 (2024)
€16,297▼ 68.2%
peak €93,042 (2024)
€49,338▼ 47.0%
€317,328▲ 15×
Board1 name since 2016
1 director
Documentsfilings and deeds
16-07-202615 days before the deadline
2025micro format
Gross margin from €78,645 to €41,538Result from €51,230 to €16,297Registered office moved from Londerzeel to Puurs-Sint-Amands 03-10Dividend €60,000Equity from €93,042 to €49,338Debts from €20,579 to €317,328

Key points

from the 2025 annual accounts

Equity

€49,338 ▼ 47.0%
93,0422024+16,297Profit-60,000Dividend49,3382025

Ruby Solution paid out €60,000 in dividends. That is 368% of the 2025 profit.

Turnover

≈ €140,000 estimated

The micro format states no turnover.

Debts

€317,328 87% of the balance sheet
Financial debts 70%Suppliers 1%Taxes and wages 6%Other 23%

Of this, €95,444 falls due within a year.

Investments

€269,514 19.9 × depreciation
2021202220242025

Green is investment, beige is depreciation.

Liquidity

0.78 was 3.78 in 2024

Short-term debts rose from €20,579 to €95,444.

Position in the sector

13.5%

Lower solvency than 83% of companies in computer programming and consultancy. Sector median 60.0% · 22,039 companies.

Checked score

Bankruptcy probability within 12 months

Financial strength

Score breakdown

Comparable companies, two years later

In July 2024, 3,272 companies had the same profile as Ruby Solution has now. Each dot stands for 9 companies, two years later.

94.7%
were still trading
2.5%
stopped another way
2.5%
went bankrupt
  • Micro
  • 5 to 10 years old
  • solvency 10 to 30%
  • a profit under 5% of the balance sheet

Another 0.2% stopped without a precise date, possibly only after those two years.

Test of the method

The method was tested on the 497,331 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.

The companies in ten equal groups, from the lowest to the highest expected share
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 2.9% 3.1%
10 5.6% 6.1%

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 3,272 companies, not a prediction for Ruby Solution. 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 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

Board and ownership

Director, since 21-12-2016
  • 95 sharesdeed of 23-12-2016
  • 5 sharesdeed of 23-12-2016
Board & ownership

Recent changes

Registered office moved from Londerzeel to Puurs-Sint-Amands New registered office: Alfons De Saegherstraat 13, 2870 Puurs-Sint-Amands · Previous registered office: Kloosterstraat 34, 1840 Londerzeel · General meeting of 13-08-2025 · Gazette deed
Registered in the Peppol Directory Reachable for e-invoices through 0208:0667973969
Purpose change · Amendment of the articles · Legal-form change · Resignations & appointments Change of role: , from manager to director · “overeenkomstig artikel 3 van de integraal vernieuwde statuten” (deed in Dutch) · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 04-03-2021 · Gazette deed
Incorporation Founding capital of €18,600, 100 shares, €6,200 paid up · Founders: and · Appointment: (manager) · published on 23-12-2016 · Gazette deed
All 18 events

Comparable companies

same main activity, similar in size and age
Company
Ruby Solution Puurs-Sint-Amands €366,666 €41,538 13.5% -
Xylar Boechout €414,280 €36,201 22.1% -
ABRIT Aartselaar €391,112 €52,383 50.2% -
SHARELOCK Meise €341,141 €43,457 98.0% -
FDC engineering Anzegem €320,039 €40,857 97.2% -
Smarts Analytics Antwerp €324,170 €49,766 9.7% -
MiMec Schilde €297,539 €31,976 67.5% -

These companies have the same main activity as Ruby Solution: computer programming (NACE 62100). They are comparable in size and age: total assets between €298,000 and €414,000, founded between 2015 and 2018.

Official details

Source: KBO
Status
Active since 21-12-2016Normal situation
Activity
Computer programmingNACE 62100and 5 others
Establishment unit
2.260.690.6112870 Puurs-Sint-Amands, since 21-12-2016
Financial year end
31 December
Peppol
Reachable since 31-10-2023
Company details

Annual accounts 2025

€41,538▼ 47.2%
€16,297▼ 68.2%
€49,338▼ 47.0%
€366,666▲ 223%
Filing
Filed on 16-07-2026, 15 days before the end of the filing period
Financials

Insights on Ruby Solution

Ruby Solution files the micro format. That format states no turnover. The gross margin rose from €10,183 in 2017 to €41,538 in 2025.

The balance sheet grew most from 2024 to 2025 through fixed assets, financed with long-term debt.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 16-07-2026, 15 days before the deadline
€41,538
▼ 47.2%
€27,439
▼ 58.8%
€16,297
▼ 68.2%
-€20,567
▼ €77,761
13.5%
▼ 68.4 percentage points
0.78
▼ 2.99

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €140,000. Estimated: probably between €110,000 and €180,000.

Balance sheet

balance sheet total €366,666 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

13.5%

Higher than 17% of 22,039 companies in 2025.

0.78

Higher than 11% of 21,339 companies in 2025.

4.4%

Higher than 25% of 21,530 companies in 2025.

Ruby Solution Middle half of the sector 80% of the sector Micro accounts in computer programming and consultancy (NACE 62)

Net result: middle half · Equity: middle half · Balance sheet total: top quarter · Working capital: bottom quarter

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend202520242023202220212020201920182017
Balance sheet: assets
20/58 366,666113,621107,748108,34191,39052,72659,45559,52223,812
21/28 291,78935,84738,94250,66246,35733,65631,18934,2042,385
22/27 291,78935,84738,94250,66246,35733,65631,18934,2042,385
22 255,779--------
23 7,3488,7607,82213,37414,1983,4442,2172,2982,385
24 17,73812,10114,43216,7638,7963,103-3,656-
26 10,92414,98716,68820,52523,36327,10928,97228,250-
29/58 74,87777,77468,80657,67945,03319,07028,26625,31721,427
40/41 20,76440,45720,07719,31319,74814,09227,40324,29621,400
40 20,76438,11720,07716,91618,28712,28226,13623,14421,400
41 02,34002,3971,4621,8101,2671,152-
54/58 52,47232,24344,86233,90821,4024,094218228
490/1 1,6415,0733,8674,4583,883884861839-
Balance sheet: equity and liabilities
10/49 366,666113,621107,748108,34191,39052,72659,45559,52223,812
10/15 49,33893,04241,81244,61767,87438,90936,03420,4259,457
10/11 18,60018,60018,60018,60018,6006,2006,2006,2006,200
100 ------18,60018,60018,600
101 ------12,40012,40012,400
13 30,73874,44223,21226,01749,27432,70929,83414,2253,257
130/1 -----1,860---
130 ------1,8601,8601,860
1311 -----1,860---
133 30,73874,44223,21226,01749,27430,84927,97412,3651,397
14 0000-----
17/49 317,32820,57965,93763,72423,51613,81623,42139,09614,355
17 221,88401,0383,4328,149-3,83310,202-
170/4 221,88401,0383,4328,149-3,83310,202-
42/48 95,44420,57964,44460,29214,96713,81619,40028,69414,155
42 8,2891,0192,3943,2538884,2887,2487,203-
43 882894893------
430/8 882894893------
44 2,5434,3934,5561,3033,2244,6117,6587,2844,143
440/4 2,5434,3934,5561,3033,2244,6117,6587,2844,143
45 19,67514,2736,1967,61810,4944,4144,49314,2079,936
450/3 14,62814,2736,1967,61810,4944,4142,38512,0287,942
454/9 5,047-----2,1082,1791,994
47/48 64,055050,40648,118362502--76
492/3 -04540400-189200200
Income statement
76A --01,58411,301-63--
9900 41,53878,64574,42043,50358,60112,20829,04221,54410,183
630 13,57211,59911,72010,5268,1926,5226,2795,8761,348
640/8 5263874003476788758401,1921,798
9901 27,43966,65962,30032,63049,7324,81221,92214,4767,037
75/76B 4171-0-----
75 4171-------
76B ---0-----
65/66B 5,05335958428462624342353875
65 5,05335958428462624342353875
9903 22,42766,37161,71532,34649,1064,56821,49913,9386,962
67/77 6,13015,14114,5217,6039,5411,6935,8902,9703,705
9904 16,29751,23047,19424,74339,5652,87515,60910,9683,257
9905 16,29751,23047,19424,74339,5652,87515,60910,9683,257
Appropriation of the result
9906 16,29751,23047,19424,74339,5652,87515,60910,9683,257
791/2 43,70302,80623,25723,000----
691/2 051,230-039,5652,87515,60910,9683,257
6920 --------1,860
6921 051,230-039,5652,87515,60910,9681,397
694/7 60,000050,00048,00023,000----
694 60,000050,00048,00023,000----
Document PDFPDFPDFPDFPDFPDFPDFPDFPDF

The notes to these accounts have 8 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 16-07-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2025 micro format 16-07-2026 2026-00299497 PDF
31-12-2024 micro format 30-06-2025 2025-00195030 PDF
31-12-2023 micro format 19-06-2024 2024-00147313 PDF
31-12-2022 micro format 27-07-2023 2023-00300224 PDF
31-12-2021 micro format 09-08-2022 2022-20277748 PDF
31-12-2020 micro format 27-07-2021 2021-40700390 PDF
31-12-2019 micro format 18-08-2020 2020-42200547 PDF
31-12-2018 micro format 03-07-2019 2019-29300545 PDF
31-12-2017 micro format 03-08-2018 2018-43300570 PDF

Subsidies and aid

Flemish government 2023 to 2025, 2 entries, €1,062 awarded, €844 paid

Year Entries AwardedPaid
2025 1 €795€577
2023 1 €267€267

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend202520242023202220212020201920182017
41,01178,25774,02043,15657,92411,33328,20120,3528,385
29,86962,82958,91435,26947,7579,39721,88816,8444,605
269,5148,504015,72620,8938,9886,92037,6953,733
20,229-12,61810,95312,50617,3084,093-181155-
-20,56757,1954,362-2,61330,0665,2538,867-3,3777,272
13.5%81.9%38.8%41.2%74.3%73.8%60.6%34.3%39.7%
0.783.781.070.963.011.381.460.881.51
6.430.221.581.430.350.360.651.911.52
33.0%55.1%112.9%55.5%58.3%7.4%43.3%53.7%34.4%
4.4%45.1%43.8%22.8%43.3%5.5%26.3%18.4%13.7%
8.12over 100over 100over 10092.57----

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
Item20252024202320222021
Tangible fixed assets€269,514€8,504-€15,726€20,893
€13,572€11,599€11,720€10,526€8,192

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on Ruby Solution

The operating result for 2025 is 59% lower than in 2024 and the lowest since 2020.

Debt's share of the balance-sheet total rises from 18.1% to 86.5%. Equity is lower and debt is higher.

Board & ownership

Board

1 director, no change since 2021
Director (not named in the articles)
since 21-12-2016 term without a fixed end
listed in the 2025 annual accounts, filed on 16-07-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“en bij onthouding van één of meerdere onder hen met de meerderheid van de andere zaakvoerders. Bij staking van stemmen, wordt het voorstel…”
deed of 23-12-2016

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today

Director (not named in the articles)
BoardEarlier
Mandates as a list
    • Manager (not named in the articles), from 21-12-2016 to 15-03-2021
    • Director (not named in the articles), appointed by deed of 15-03-2021, still in office

See the board, name and registered office on a given date →

Control

Founders
,
This company
Ruby Solution
Equity €49,338
Profit €16,297 in 2025

Capital

Contribution
€18,600
Shares
100
Contribution per share
€186
Equity per share
€493 in 2025
Source
2025 annual accounts

Articles of association

deed of 15-03-2021 (in Dutch)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Third Tuesday of May at 18:00

Shareholders

At incorporation deed of 23-12-2016 ↗
  • 95 shares (95%) · €17,670
  • 5 shares (5%) · €930

Capital transactions

Capital over time
  1. 15-03-2021 Converted to unavailable equity
  2. 23-12-2016 Incorporation · €18,600 · 100 shares

Network & group

No group

Ruby Solution has no parent and no holdings in its annual accounts. is the only director. Ruby Solution shares no director with another company.

Timeline

Timeline

18 events since 2016

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 15 days before the deadline
2025
Registered office moved from Londerzeel to Puurs-Sint-AmandsNew registered office: Alfons De Saegherstraat 13, 2870 Puurs-Sint-Amands · Previous registered office: Kloosterstraat 34, 1840 Londerzeel · General meeting of 13-08-20253 points ▸
  • General meeting, 13-08-2025
  • Registered-office move, Alfons De Saegherstraat 13, 2870 Puurs-Sint-Amands
  • Power of attorney,

Open the deed in the Belgian Official Gazette

Annual accounts 2024 filed PDFmicro format · 31 days before the deadline
2024
Highest result from 2017 to 2025 net €51,230 ▲8.6% The operating result of €66,659 and the net result of €51,230 are both a record.
Liquidity more than triples current ratio 3.78 The current ratio rises from 1.07 to 3.78. Short-term debt falls from €64,444 to €20,579.
Annual accounts 2023 filed PDFmicro format · 42 days before the deadline
2023
Registered in the Peppol Directory Reachable for e-invoices through 0208:0667973969
Annual accounts 2022 filed PDFmicro format · 4 days before the deadline
2022
Annual accounts 2021 filed PDFmicro format · 9 days late
2021
Liquidity more than doubled current ratio 3.01 The current ratio rises from 1.38 to 3.01.
Annual accounts 2020 filed PDFmicro format · 4 days before the deadline
Purpose change · Amendment of the articles · Legal-form change · Resignations & appointmentsChange of role: , from manager to director · “overeenkomstig artikel 3 van de integraal vernieuwde statuten” (deed in Dutch) · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 04-03-20219 points ▸
  • General meeting, 04-03-2021
  • Incorporation, 21-12-2016
  • Legal-form conversion, from private limited company (pre-2019) to private limited company
  • Purpose change, “overeenkomstig artikel 3 van de integraal vernieuwde statuten” (deed in Dutch)
  • 100 shares
  • Director resignation, (manager (not named in the articles))
  • Director appointment, (director (not named in the articles))
  • Power of attorney,
  • Registered office clause, Kloosterstraat 34, 1840 Londerzeel (Malderen)
  • The deed holds 5 more points.

Open the deed in the Belgian Official Gazette

2020
Weakest financial year net €2,875 ▼81.6% The net result drops to €2,875, the lowest from 2017 to 2025. It recovers the following year.
Annual accounts 2019 filed PDFmicro format · 18 days late
2019
Annual accounts 2018 filed PDFmicro format · 28 days before the deadline
2018
Annual accounts 2017 filed PDFmicro format · 3 days late
2016
IncorporationFounding capital of €18,600, 100 shares, €6,200 paid up · Founders: and · Appointment: (manager) · published on 23-12-20165 points ▸
  • Founder,
  • Founder,
  • Founding capital, €18,600, 100 shares
  • Director appointment, (manager (not named in the articles))
  • Capital, €18,600, 100 shares
  • The deed holds 4 more points.

Open the deed in the Belgian Official Gazette

First establishment Alfons De Saegherstraat 13, Puurs-Sint-Amands

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

On 21 December 2016, Ruby Solution was incorporated by two natural persons, with a starting capital of €18,600.12 In 2025 the registered office moved to Puurs-Sint-Amands.3 has served as director since 2016.4 Total assets went from €59,522 in 2018 to €366,666 in 2025.5

  1. 1KBO register
  2. 2Belgian Official Gazette, 23-12-2016
  3. 3Belgian Official Gazette, 03-10-2025
  4. 4National Bank, annual accounts 2025
  5. 5National Bank, annual accounts 2018 and 2025

Company details

Identity

Enterprise number
0667.973.969
VAT number
BE 0667.973.969
Peppol ID
0208:0667973969
Other Peppol ID
9925:BE0667973969
Legal form
Private limited company
Status
Active, normal situation
Founded
21-12-2016
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Third Tuesday of May at 18:00
deed of 15-03-2021 (in Dutch)
Peppol
Reachable since 31-10-2023Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
Ruby Solution in Dutch
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 15-03-2021 (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 15-03-2021 (in Dutch)

Activities

NACEBEL 2025
62100 Computer programming main activity
Codes under NACEBEL 2008
62010 Computer programming, consultancy and related activities main activity
62020 IT consultancy
62030 Computer programming, consultancy and related activities
62090 Computer programming, consultancy and related activities
70210 Activities of head offices; management consultancy activities
70220 Business consulting
PurposeThe purpose describes the activities the company may carry out under its articles.
“Optreden als consultant inzake IT en het verlenen van advies en diensten aan vennootschappen,ondernemingen en anderen; Grafisch vormgeving…”
11 activities
  1. Optreden als consultant inzake IT en het verlenen van advies en diensten aan vennootschappen,ondernemingen en anderen;
  2. Grafisch vormgeving in de ruimste zin van het woord.Het leveren van gepersonaliseerde producten aan particulieren en bedrijven door middel van laser graveren en borduren.De vennootschap kan hiervoor alle nodige materialen,machines,grond- en hulpstoffen voor aankopen.
  3. Het verlenen van bijstand,advies en leiding aan bedrijven,privépersonen 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.
  4. 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.
  5. Vertegenwoordigen door haar bestuurder of elke andere derde vertegenwoordiger,die door de vennootschap worden afgevaardigd om op te treden in eigen naam doch voor rekening van de vennootschap.
  6. Daartoe kan de vennootschap samenwerken met,deelnemen in,of op gelijk welke wijze,rechtstreeks of onrechtstreeks,belangen nemen in andere ondernemingen.
  7. De vennootschap kan zowel tot waarborg van eigen verbintenissen als tot waarborg van verbintenissen van derden borg stellen,onder meer door haar goederen in hypotheek of in pand te geven,inclusief de eigen handelszaak.
  8. De vennootschap kan eveneens optreden als bestuurder,volmachtdrager,mandataris of vereffenaar in andere vennootschappen of ondernemingen.
  9. De vennootschap kan in het algemeen alle commerciële,industriële,financiële,roerende of onroerende handelingen verrichten in rechtstreeks of onrechtstreeks verband met haar voorwerp.
  10. Bovenvermelde opsomming is niet beperkend zodat de vennootschap alle handelingen kan stellen van commerciële,industriële,onroerende,roerende en financiële aard,die rechtstreeks of onrechtstreeks met dit voorwerp verwant of verknocht zijn.
  11. De vennootschap mag haar voorwerp verwezenlijken zowel in België als in het buitenland op alle wijzen en manieren die zij het best geschikt zou achten.
deed of 15-03-2021 (in Dutch)

Registered office and establishments

1 establishment
Establishment Since Unit number
Alfons De Saegherstraat 13 registered office 2870 Puurs-Sint-Amands 2551003 Coating of metals 21-12-2016 2.260.690.611
1 former office
  • Kloosterstraat 34, 1840 Londerzeel until 13-08-2025 · deed of 03-10-2025

Buildings and parcels at the address

Ground area
826 m²
Buildings
116 m²
Volume, LiDAR
797 m³
Tallest building
10.7 m
Buildings to scale, each on its own parcel
116 m², 10.7 m 116 m², 10.7 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
12022A0190/00A000826 m² 1 · 116 m² 10.7 m · 2