4U-Design
ActiveSummary
4U-Design has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €168,544 and a net result of -€1,014. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 239 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability36▼-39
Solvency100▲+2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13,000 at 30 days acceptable
short-term debt: 0.5% and cash: 61.4% of total assets, and 1% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 31
Relative position
BE, all sectors
reference
Manufacture of furniture (NACE 31)
about 43% more bankruptcies
← 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 27-02-2026, 154 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
154 d early
2024
134 d early
2023
28 d early
2022
28 d early
2021
54 d early
2020
53 d early
2019
58 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 73 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 37% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€168,544▼ 0.6%
2024 · €169,558
Total assets
€170,244▼ 26.3%
2024 · €230,997
Net result
-€1,014
2024 · €34,763
Working capital
€169,314▼ 0.2%
2024 · €169,677
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 31, Manufacture of furniture, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€22,655▲ 377%€61,765▲ 173%€37,158▼ 39.8%€49,875▲ 34.2%-€1,678
Net result€15,622within the sector's middle half▲ 379%€43,007within the sector's middle half▲ 175%€25,431within the sector's middle half▼ 40.9%€34,763within the sector's middle half▲ 36.7%-€1,014within the sector's middle half
Equity€120,023below the sector's middle half▲ 15.0%€163,030within the sector's middle half▲ 35.8%€188,461within the sector's middle half▲ 15.6%€169,558within the sector's middle half▼ 10.0%€168,544within the sector's middle half▼ 0.6%
Total assets€126,601below the sector's middle half▲ 15.4%€199,245below the sector's middle half▲ 57.4%€257,766below the sector's middle half▲ 29.4%€230,997below the sector's middle half▼ 10.4%€170,244below the sector's middle half▼ 26.3%
Debt€6,578▲ 23.0%€36,215▲ 451%€69,305▲ 91.4%€61,440▼ 11.3%€1,700▼ 97.2%
Working capital€120,023▲ 15.0%€163,030▲ 35.8%€188,461▲ 15.6%€169,677▼ 10.0%€169,314▼ 0.2%
Solvency94.8%above the sector's middle half▼ 0.3pp81.8%above the sector's middle half▼ 13.0pp73.1%above the sector's middle half▼ 8.7pp73.4%above the sector's middle half▲ 0.3pp99.0%above the sector's middle half▲ 25.6pp
above
within
below
the middle half (P25 to P75) of NACE 31, Manufacture of furniture, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1,678 after €49,875 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €170,244
Equity
€168,544 ▼ 0.6%
Debt
€1,700 ▼ 97.2%
Debt's share of the balance-sheet total falls from 26.6% to 1.0%. Equity and debt are lower.
Key figures and ratios
Debt to equity
0.01▼
2024 · 0.36
ROE
-0.6%▼
2024 · 20.5%
ROA
-0.6%▼
2024 · 15.0%
Debt ≤ 1 year
€930▼
2024 · €61,321
Income taxes
€0▼
2024 · €16,223
A ratio outside any meaningful range has been withheld (balance sheet total €170,244, equity €168,544).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,916 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
1.1%
went bankrupt
7.8%
stopped otherwise
91%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,916 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | €450 | €493 | €505 | €520 | ▲ 2.8% |
| Gross operating margin9900 | €23,103 | €62,214 | €37,652 | €50,381 | -€1,159 | ▼ 102% |
| Operating profit (loss)9901 | €22,655 | €61,765 | €37,158 | €49,875 | -€1,678 | ▼ 103% |
| Financial income75/76B | - | €1,942 | €281 | €1,331 | €820 | ▼ 38.4% |
| Recurring financial income75 | €307 | €1,942 | €281 | €1,331 | €820 | ▼ 38.4% |
| Financial charges65/66B | - | €519 | €164 | €221 | €155 | ▼ 29.9% |
| Recurring financial charges65 | €58 | €519 | €164 | €221 | €155 | ▼ 29.9% |
| Profit (loss) for the period before taxes9903 | €22,903 | €63,187 | €37,275 | €50,986 | -€1,014 | ▼ 102% |
| Income taxes67/77 | €7,281 | €20,180 | €11,844 | €16,223 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €15,622 | €43,007 | €25,431 | €34,763 | -€1,014 | ▼ 103% |
| Profit (loss) for the period to be appropriated9905 | €15,622 | €43,007 | €25,431 | €34,763 | -€1,014 | ▼ 103% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €126,601 | €199,245 | €257,766 | €230,997 | €170,244 | ▼ 26.3% |
| Current assets29/58 | €126,601 | €199,245 | €257,766 | €230,997 | €170,244 | ▼ 26.3% |
| Amounts receivable within one year40/41 | €17,128 | €78,548 | €95,394 | €13,601 | €14,069 | ▲ 3.4% |
| Trade receivables40 | - | €78,392 | €92,237 | €13,601 | €3,963 | ▼ 70.9% |
| Other amounts receivable41 | - | €157 | €3,156 | €0 | €10,106 | - |
| Current investments50/53 | €49,715 | €50,910 | €50,910 | €51,029 | €51,679 | ▲ 1.3% |
| Cash at bank and in hand54/58 | €59,757 | €69,787 | €111,463 | €166,368 | €104,496 | ▼ 37.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €126,601 | €199,245 | €257,766 | €230,997 | €170,244 | ▼ 26.3% |
| Equity10/15 | €120,023 | €163,030 | €188,461 | €169,558 | €168,544 | ▼ 0.6% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €74,409 | €117,416 | €142,847 | €123,944 | €123,944 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €0 | - | - |
| Distributable reserves133 | - | €115,556 | €140,987 | €123,944 | €123,944 | = |
| Profit (loss) carried forward14 | €39,414 | €39,414 | €39,414 | €39,414 | €38,401 | ▼ 2.6% |
| Amounts payable17/49 | €6,578 | €36,215 | €69,305 | €61,440 | €1,700 | ▼ 97.2% |
| Amounts payable within one year42/48 | €6,578 | €36,215 | €69,305 | €61,321 | €930 | ▼ 98.5% |
| Financial debts43 | - | €3,893 | €0 | - | - | - |
| Credit institutions430/8 | - | €3,893 | €0 | - | - | - |
| Trade debts44 | €719 | €28,583 | €63,507 | €1,611 | €930 | ▼ 42.3% |
| Suppliers440/4 | - | €28,583 | €63,507 | €1,611 | €930 | ▼ 42.3% |
| Taxes, remuneration and social security45 | - | €2,479 | €4,538 | €7,467 | €0 | ▼ 100% |
| Taxes450/3 | - | €2,479 | €4,538 | €7,467 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €1,260 | €1,260 | €52,243 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | - | - | - | €119 | €769 | ▲ 547% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,622 | €43,007 | €25,431 | €34,763 | -€1,014 | ▼ 103% |
| Operating cash flow (approximation) | €15,622 | €43,007 | €25,431 | €34,763 | -€1,014 | ▼ 103% |
| Change in cash | - | €10,030 | €41,676 | €54,905 | -€61,872 | ▼ 213% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet -€1,014
Net result drops to -€1,014, the lowest in the series.
31-12
Financial
Liquidity times 49current ratio 183.00
Current ratio from 3.77 to 183.00; short-term debt falls from €61,321 to €930.
19-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
03-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
03-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Highest result since 2019net €43,007 ▲175%
Operating result €61,765, net result €43,007, both a record.
30-06
Financial
Equity above €150,000Eq €163,030 ▲35.8%
4 profitable years in a row build equity to €163,030.
2021
08-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
09-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
04-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
19-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
14-12
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 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Hoogstraten · 1 establishment unit since 2011
Ground area
746 m²
Building footprint
536 m²
Volume, LiDAR
3,394 m³
Parcel 13014F0013/00D002, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
17
companies at this address
See who is registered here
1 establishment unit
4U-Design BVBA
since 20112.197.440.770
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13014F0013/00D002 | Flanders | 745 m² | 1 · 536 m² | 7.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 445 companies in sector 31001 we hold annual accounts for 208. 156 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-02-2011
Fiscal year end31-12
Activities, NACEBEL 2025
31001Manufacture of furniture
43320Joinery installation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0834220190
Also
9925:BE0834220190
Registered
02-06-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.