Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 33 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
RUBI GEMS from Dendermonde, company number BE0894917149, closed financial year 2025 with a result of € -32,464 after tax. For that financial year RUBI GEMS recorded a gross margin of € 19,574 and equity of € 69,232. Compared with financial year 2024, the result moved from € -9,762 to € -32,464. The company made a loss. The buffer shrank hard: equity is 54 % below last year. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 2, 2026.
€ 69,232
▼ 54% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -32,464
▼ 233 % more loss than in 2024
Profit after tax over the fiscal year.
€ 25,324
▼ 68% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -768.
People and assets in 2025
€ 13,562
▲ 155% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 110,671
▼ 12% vs 2024
€ 28,475 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 23,046
▼ 43% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 7,746
▲ 130% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 36,482 | € 53,285 | € 43,922 | € 19,574 | ▼ 55% |
| Profit after taxes | € -16,693 | € 2,191 | € -9,762 | € -32,464 | ▼ € 22,702 |
| Equity | € 156,576 | € 158,767 | € 149,005 | € 69,232 | ▼ 54% |
| Total debts | € 335,005 | € 311,076 | € 268,624 | € 266,882 | ▼ 1% |
| Cash | € 80,362 | € 93,302 | € 79,435 | € 25,324 | ▼ 68% |
| Land & buildings | € 376,513 | € 334,635 | € 299,905 | € 257,924 | ▼ 14% |
| Retained profit | € 86,576 | € 88,767 | € 79,005 | € -768 | ▼ € 79,773 |
| Dividend | € 0 | € 0 | € 0 | € 47,309 | |
| Bank debt | € 175,123 | € 150,444 | € 125,862 | € 110,671 | ▼ 12% |
| Balance sheet total | € 491,581 | € 469,843 | € 417,630 | € 336,115 | ▼ 20% |
Key figures of RUBI GEMS, 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 RUBI GEMS?
What happened at RUBI GEMS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 32,464. Source: NBB ↗
- Lieve Deraeve became a director. NBB
- Ruben Van Gasse became a director. NBB
- New establishment in Dendermonde. KBO
- Start of the company according to the CBE. KBO
- New establishment in Dendermonde. KBO
In short
From € 16,693 loss in 2022 to € 32,464 loss in 2025.
Best year ever: 2023, with € 2,191 profit.
Paid out € 47,309 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 RUBI GEMS are Lieve Deraeve and Ruben Van Gasse. Lieve Deraeve is also behind GELI and DERAEVE.
Establishments
Establishment units
Physical locations of this company
Hamsesteenweg (GRE) 11
9200 Dendermonde
Grootzand (GRE) 41
9200 Dendermonde
Active since 16 April 2018
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0894.917.149
- VAT number
- BE 0894.917.149
- Registered office
- Hamsesteenweg (GRE) 11, 9200 Dendermonde
- Names & denominations
- RUBI GEMS · Mayoki
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 15 January 2008
- Peppol
- Active · Active since 22 Oct 2025
- Activities · NACE
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Ontwerpen van computerprogramma’s
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