RubyCo
ActiveSummary
RubyCo has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8.30M and a net result of €223k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 94% of 913 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €650k at 30 days acceptable
Liquidity ample (current ratio 8.18; short-term debt: 6% and cash: 11.7% of total assets), and 6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
94%
Return on assets
2.5%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← 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
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 12-03-2026, 141 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
141 d early
2024
143 d early
2023
132 d early
2022
136 d early
2021
118 d early
2020
96 d early
2019
116 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€8.30M▼ 3.4%
2024 · €8.59M
2018: €7.51M
2019: €7.58M
2020: €7.57M
2021: €7.67M
2022: €7.93M
2023: €8.29M
2024: €8.59M
2018 → 2025
Total assets
€8.83M▲ 2.6%
2024 · €8.61M
2018: €8.98M
2019: €7.76M
2020: €7.71M
2021: €7.70M
2022: €8.07M
2023: €8.40M
2024: €8.61M
2018 → 2025
Net result
€223k▼ 25.9%
2024 · €301k
2018: €1.96M
2019: €73k
2020: €379k
2021: €92k
2022: €365k
2023: €363k
2024: €301k
2018 → 2025
Working capital
€3.82M▼ 4.5%
2024 · €4.00M
2018: €2.03M
2019: €2.17M
2020: €2.89M
2021: €3.09M
2022: €3.43M
2023: €3.79M
2024: €4.00M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7.67M-€7.93M▲ 3.5%€8.29M▲ 4.6%€8.59M▲ 3.6%€8.30M▼ 3.4%
Operating result€-16k-€159k€210k▲ 32.6%€151k▼ 28.0%€109k▼ 27.9%
Net result€92k-€365k▲ 299%€363k▼ 0.6%€301k▼ 17.0%€223k▼ 25.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 28% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.83M
Fixed assets
€4.48M ▼ 2.5%
Current assets
€4.35M ▲ 8.4%
Equity and liabilities €8.83M
Equity
€8.30M ▼ 3.4%
Debt
€532k ▲ 3,265%
Debt's share of the balance-sheet total rises from 0.2% to 6.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€230k▼
2024 · €263k
Cash flow
€344k▼
2024 · €413k
Current ratio
8.18
Quick ratio
7.56
Debt to equity
0.06▲
2024 · 0.00
ROE
2.7%▼
2024 · 3.5%
ROA
2.5%▼
2024 · 3.5%
Interest coverage
1647.26▲
2024 · 115.67
Debt ≤ 1 year
€532k▲
2024 · €16k
Income taxes
€31k▼
2024 · €45k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€8.61M€8.83M▲
Fixed assets21/28€4.60M€4.48M▼
Tangible fixed assets22/27€1.67M€1.56M▼
Land and buildings22€1.37M€1.32M▼
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€300k€238k▼
Financial fixed assets28€2.92M€2.92M=
Current assets29/58€4.02M€4.35M▲
Stocks and contracts in progress3€332k€332k=
Stocks30/36€332k€332k=
Amounts receivable within one year40/41€366k€173k▼
Trade receivables40€1k€4k▲
Other amounts receivable41€365k€169k▼
Current investments50/53€1.81M€2.80M▲
Cash at bank and in hand54/58€1.49M€1.04M▼
Deferred charges and accrued income490/1€15k€8k▼
Equity and liabilities
Total equity and liabilities10/49€8.61M€8.83M▲
Equity10/15€8.59M€8.30M▼
Contributions10/11€1.60M€1.60M=
Capital10€1.60M€1.60M=
Issued capital100€1.60M€1.60M=
Reserves13€3.38M€2.87M▼
Non-distributable reserves130/1€160k€160k=
Legal reserve130€160k€160k=
Distributable reserves133€3.22M€2.71M▼
Profit (loss) carried forward14€3.62M€3.84M▲
Amounts payable17/49€16k€532k▲
Amounts payable within one year42/48€16k€532k▲
Trade debts44€975€2k▲
Suppliers440/4€975€2k▲
Taxes, remuneration and social security45€15k€12k▼
Taxes450/3€15k€12k▼
Other amounts payable47/48€0€517k▲
Accrued charges and deferred income492/3€261€216▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€112k€121k▲
Other operating charges640/8€11k€10k▼
Gross operating margin9900€274k€240k▼
Operating profit (loss)9901€151k€109k▼
Financial income75/76B€197k€145k▼
Recurring financial income75€197k€145k▼
Financial charges65/66B€2k€140▼
Recurring financial charges65€2k€140▼
Profit (loss) for the period before taxes9903€346k€254k▼
Income taxes67/77€45k€31k▼
Profit (loss) for the period9904€301k€223k▼
Profit (loss) for the period to be appropriated9905€301k€223k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3.62M€3.84M▲
Profit (loss) brought forward from the previous period14P€3.31M€3.62M▲
Transfer from equity791/2-€517k
Profit to be distributed694/7-€517k
Return on contributions (dividend)694-€517k
The notes to these accounts (10 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
12-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
10-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity times 7current ratio 258.22
Current ratio from 36.04 to 258.22; short-term debt falls from €108k to €16k.
21-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
17-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
04-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 90.64
Current ratio from 22.44 to 90.64; short-term debt falls from €135k to €34k.
26-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
06-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €73k ▼96.2%
Net result drops to €73k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 6current ratio 13.11
Current ratio from 2.38 to 13.11; short-term debt falls from €1.47M to €179k.
08-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
09-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-03
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Destelbergen · 1 establishment unit since 2006
Ground area
3,099 m²
Building footprint
612 m²
Volume, LiDAR
2,393 m³
Parcel 44013A0179/00T000, Flanders · tallest building 7.1 m, ±1 floor. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
RubyCo
since 20062.153.090.885
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44013A0179/00T000 | Flanders | 3,099 m² | 1 · 612 m² | 7.1 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.
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Of 108 companies in sector 77350 we hold annual accounts for 70. 12 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded10-04-2006
Fiscal year end31-12
Activities, NACEBEL 2025
77350Rental and leasing activities
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:frank@vercruyssen.org
Phone:0475 468265