Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 37 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Derveaux - Rubens from Leuven, company number BE0464948021, closed financial year 2025 with a result of € 65,569 after tax. For that financial year Derveaux - Rubens recorded a gross margin of € 362,078 and equity of € 118,045. Compared with financial year 2024, the result moved from € 69,144 to € 65,569. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 4, 2026.
€ 118,045
▲ 13% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 65,569
▼ 5% vs 2024
Profit after tax over the fiscal year.
€ 64,814
▲ 62% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 52,290 paid out
80 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 179,829
▲ 10% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 46,555
▼ 15% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 327,956
▼ 13% vs 2024
€ 47,564 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 20,475
▲ 59% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 44,840
▼ 12% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 246,930 | € 229,636 | € 335,562 | € 362,078 | ▲ 8% |
| Profit after taxes | € 20,772 | € 22,641 | € 69,144 | € 65,569 | ▼ 5% |
| Equity | € 69,057 | € 72,433 | € 104,235 | € 118,045 | ▲ 13% |
| Total debts | € 356,810 | € 418,246 | € 455,632 | € 451,670 | ▼ 1% |
| Cash | € 60,771 | € 65,242 | € 40,133 | € 64,814 | ▲ 62% |
| Land & buildings | € 336,020 | € 405,195 | € 436,228 | € 397,661 | ▼ 9% |
| Retained profit | € 58,722 | € 68,233 | € 100,035 | € 113,845 | ▲ 14% |
| Dividend | € 4,000 | € 13,130 | € 37,341 | € 52,290 | ▲ 40% |
| Bank debt | € 309,277 | € 365,349 | € 377,732 | € 327,956 | ▼ 13% |
| Balance sheet total | € 449,791 | € 514,291 | € 583,087 | € 572,543 | ▼ 2% |
Key figures of Derveaux - Rubens, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Derveaux - Rubens?
What happened at Derveaux - Rubens in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 65,569 (▼ 5% vs 2024). Source: NBB ↗
- New establishment in Leuven. KBO
- Start of the company according to the CBE. KBO
In short
From € 20,772 profit in 2022 to € 65,569 profit in 2025.
Paid € 75,375 in corporate taxes since 2022.
Best year ever: 2024, with € 69,144 profit.
Paid out € 106,761 in dividends to the owners in total.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind Derveaux - Rubens are Jan Derveaux and Nele Rubens.
Directors
According to the 2025 annual accounts
Jan Derveaux
Manager
Nele Rubens
Manager
Establishments
Establishment units
Physical locations of this company
Naamsesteenweg 179
3001 Leuven
Naamsesteenweg 179 box 1
3001 Leuven
Active since 22 March 1999
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Certifications & Partners
Hosting & Email
Email provider
Microsoft 365
Hosting
LEVEL27-AS * Please direct all complaints to [email protected] *, BE
Website info
Features
Security
Network
Details
- Company number
- 0464.948.021
- VAT number
- BE 0464.948.021
- Registered office
- Naamsesteenweg 179, 3001 Leuven
- Names & denominations
- Derveaux - Rubens
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 21 December 1998
- Peppol
- Active · Active since 4 Sept 2026
- Contact
- derveauxrubens.be [email protected]
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars