Ruth Melkebeke
ActiveSummary
Ruth Melkebeke has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €88k. Equity is shrinking by ~34.5% per year across the filed fiscal years. Its solvency ranks better than 12% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency30▲+2
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
4.7%
Return on assets
81.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 12%
← 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 03-03-2026, 150 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
150 d early
2024
177 d early
2023
128 d early
2022
111 d early
2021
30 d early
2020
72 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k=
2024 · €5k
2020: €27k
2021: €119k
2022: €214k
2023: €5k
2024: €5k
2020 → 2025
Total assets
€107k▼ 39.6%
2024 · €178k
2020: €44k
2021: €178k
2022: €294k
2023: €165k
2024: €178k
2020 → 2025
Net result
€88k▲ 18.2%
2024 · €74k
2020: €22k
2021: €92k
2022: €94k
2023: €89k
2024: €74k
2020 → 2025
Working capital
€-27k▲ 17.5%
2024 · €-33k
2020: €27k
2021: €117k
2022: €155k
2023: €-25k
2024: €-33k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€119k-€214k▲ 79.2%€5k▼ 97.7%€5k=€5k=
Operating result€119k-€119k=€114k▼ 4.1%€94k▼ 18.1%€115k▲ 22.7%
Net result€92k-€94k▲ 2.6%€89k▼ 6.1%€74k▼ 16.2%€88k▲ 18.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 23% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €107k
Fixed assets
€58k ▼ 22.0%
Current assets
€49k ▼ 52.3%
Equity and liabilities €107k
Equity
€5k =
Debt
€102k ▼ 40.7%
Debt's share of the balance-sheet total falls from 97.2% to 95.3%. Debt is lower.
Key figures and ratios
EBITDA
€131k▲
2024 · €110k
Cash flow
€104k▲
2024 · €91k
Current ratio
0.64▼
2024 · 0.76
Debt to equity
20.49▼
2024 · 34.55
ROA
81.7%▲
2024 · 41.8%
Interest coverage
73.23▲
2024 · 67.87
Debt ≤ 1 year
€76k▼
2024 · €136k
Debt > 1 year
€25k▼
2024 · €35k
Income taxes
€26k▲
2024 · €21k
A ratio outside any meaningful range has been withheld (balance sheet total €107k, equity €5k).
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€178k€107k▼
Fixed assets21/28€75k€58k▼
Tangible fixed assets22/27€75k€58k▼
Furniture and vehicles24€55k€41k▼
Other tangible fixed assets26€20k€18k▼
Current assets29/58€103k€49k▼
Amounts receivable within one year40/41€706€0▼
Trade receivables40€706€0▼
Cash at bank and in hand54/58€102k€47k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€178k€107k▼
Equity10/15€5k€5k=
Contributions10/11€5k€5k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€173k€102k▼
Amounts payable after more than one year17€35k€25k▼
Financial debts170/4€35k€25k▼
Amounts payable within one year42/48€136k€76k▼
Current portion of amounts payable after more than one year42€10k€11k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€34k€37k▲
Taxes450/3€34k€37k▲
Other amounts payable47/48€89k€26k▼
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▲
Other operating charges640/8€1k€843▼
Non-recurring operating charges66A€0-
Gross operating margin9900€111k€132k▲
Operating profit (loss)9901€94k€115k▲
Financial income75/76B€3k€1k▼
Recurring financial income75€3k€1k▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€95k€114k▲
Income taxes67/77€21k€26k▲
Profit (loss) for the period9904€74k€88k▲
Profit (loss) for the period to be appropriated9905€74k€88k▲
Appropriation of the result
Profit (loss) to be appropriated9906€74k€88k▲
Transfer from equity791/2€0-
Profit to be distributed694/7€74k€88k▲
Return on contributions (dividend)694€74k€88k▲
The notes to these accounts (5 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
03-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €94k ▲2.6%
Net result €94k, the highest in the series.
31-12
Financial
Equity above €200kEq €214k ▲79.2%
3 profitable years in a row build equity to €214k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €119k ▲339%
2 profitable years in a row build equity to €119k.
20-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-09
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
04-09
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Gent · 1 establishment unit since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Gentstraat 3759041 GentGround area
350 m²
Building footprint
131 m²
Volume, LiDAR
890 m³
Parcel 44051D0088/00T002, Flanders · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Ruth Melkebeke
since 20202.304.334.473
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44051D0088/00T002 | Flanders | 350 m² | 1 · 131 m² | 10.4 m · 3 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
5 locations
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 15,595 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 formPrivate limited company
Founded25-06-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.