Ruby House
ActiveSummary
The computed 12-month bankruptcy probability of Ruby House is 1.7% (moderate). The 2025 annual accounts show negative equity (€-3k) and a net result of €-120. Its net result ranks better than 25% of 7993 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Insufficient figures
A score requires measurable solvency, liquidity and profitability. Missing figures are not a judgement about the company.
Axes
Profitability-
Solvency-
Growth58
Track record82
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year €-3k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
31 d late
2024
151 d late
← 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, abbreviated schema
Equity
€-3k▼ 3.9%
2024 · €-3k
2024: €-3k
2024 → 2025
Total assets
Not included in this filing
Net result
€-120▲ 96.1%
2024 · €-3k
2024: €-3k
2024 → 2025
Working capital
Not included in this filing
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€-3k-€-3k▼ 3.9%
Operating result€-3k-€-120▲ 96.1%
Net result€-3k-€-120▲ 96.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €120 in 2025 against €3k in 2024; the loss shrinks.
Key figures and ratios
Debt to equity
-1.00=
2024 · -1.00
Debt
€3k▲
2024 · €3k
Debt ≤ 1 year
€3k▲
2024 · €3k
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 · 14 lines
Balance sheet
Code20242025
Equity and liabilities
Equity10/15€-3k€-3k▼
Profit (loss) carried forward14€-3k€-3k▼
Amounts payable17/49€3k€3k▲
Amounts payable within one year42/48€3k€3k▲
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Income statement
Code20242025
Other operating charges640/8€171€120▼
Gross operating margin9900€-3k-
Operating profit (loss)9901€-3k€-120▲
Profit (loss) for the period before taxes9903€-3k€-120▲
Profit (loss) for the period9904€-3k€-120▲
Profit (loss) for the period to be appropriated9905€-3k€-120▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-3k▼
Profit (loss) brought forward from the previous period14P-€-3k
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
29-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 151 days late
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Antwerpen
Ground area
3,604 m²
Building footprint
2,774 m²
Volume, LiDAR
71,494 m³
Parcel 11808H1178/00F008, Flanders · tallest building 45.0 m, ±8 floors. Linked by address, not a title deed.
205
companies at this address
See who is registered here
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1178/00F008 | Flanders | 3,604 m² | 1 · 2,774 m² | 45.0 m · 8 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.
Similar companies · same sector and region
A. SPIRA
BE 0404.989.945
Antwerpen
A.V. Gumuchdjian
BE 0404.959.954
Antwerpen
ABAI
BE 0441.973.174
Antwerpen
AGEM JEWELS
BE 0448.567.590
Antwerpen
ANTWERP MICHAELI JEWELRY EXPORT IMPORT
BE 0440.055.742
Antwerpen
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 567 companies in sector 46480 we hold annual accounts for 353. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-05-2024
Fiscal year end31-12
Activities, NACEBEL 2025
46480Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.