Adret & Ubac
ActiveFor Adret & Ubac, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €14k and a net result of €-20k. Equity is growing by ~19.8% per year across the filed fiscal years. Its solvency ranks better than 38% of 18486 sector peers (fiscal year 2023). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability0▼-94
Solvency73▼-18
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2023Solvency, return and age of the figures
Solvency
48.4%
Return on assets
-69.6%
Age of the figures
33 mo
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
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 5 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline20-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 06-11-2024, 98 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
98 d late
2022
31 d late
2021
18 d late
2020
31 d late
2019
25 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Equity
€14k▼ 59.0%
2022 · €34k
2019: €16k
2020: €19k
2021: €24k
2022: €34k
2019 → 2023
Total assets
€29k▼ 43.8%
2022 · €52k
2019: €27k
2020: €60k
2021: €40k
2022: €52k
2019 → 2023
Net result
€-20k
2022 · €10k
2019: €13k
2020: €3k
2021: €5k
2022: €10k
2019 → 2023
Working capital
€4k▼ 86.1%
2022 · €26k
2019: €14k
2020: €13k
2021: €18k
2022: €26k
2019 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Equity€16k-€19k▲ 18.2%€24k▲ 24.7%€34k▲ 42.7%€14k▼ 59.0%
Operating result€19k-€3k▼ 81.7%€6k▲ 75.9%€14k▲ 132%€-20k
Net result€13k-€3k▼ 77.6%€5k▲ 60.3%€10k▲ 115%€-20k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2023: a loss of €20k after €14k in 2022, the lowest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €29k
Fixed assets
€10k▲ 28.5%
Current assets
€19k▼ 57.3%
Equity and liabilities €29k
Equity
€14k▼ 59.0%
Debt
€15k▼ 14.0%
The debt ratio rises from 33.8% to 51.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-16k▼
2022 · €18k
Cash flow
€-16k▼
2022 · €14k
Solvency
48.4%▼
2022 · 66.2%
Current ratio
1.24▼
2022 · 2.50
Quick ratio
1.24▼
2022 · 2.50
Debt / equity
1.07▲
2022 · 0.51
ROE
-143.8%▼
2022 · 29.9%
ROA
-69.6%▼
2022 · 19.8%
Interest coverage
-271.91▼
2022 · 280.45
Debt
€15k▼
2022 · €17k
Debt ≤ 1 year
€15k▼
2022 · €17k
Income taxes
€205▼
2022 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€52k€29k▼
Fixed assets21/28€8k€10k▲
Tangible fixed assets22/27€8k€10k▲
Land and buildings22-€2k
Plant, machinery and equipment23-€668
Furniture and vehicles24€8k€8k▼
Current assets29/58€44k€19k▼
Amounts receivable within one year40/41€27k€15k▼
Trade receivables40€27k€10k▼
Other amounts receivable41€424€5k▲
Cash at bank and in hand54/58€17k€4k▼
Equity and liabilities
Total equity and liabilities10/49€52k€29k▼
Equity10/15€34k€14k▼
Contributions10/11€3k€3k=
Capital10€3k-
Issued capital100€3k-
Reserves13€31k€31k=
Distributable reserves133€31k€31k=
Profit (loss) carried forward14-€-20k
Amounts payable17/49€17k€15k▼
Amounts payable within one year42/48€17k€15k▼
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€13k€11k▼
Taxes450/3€13k€11k▼
Other amounts payable47/48€1k€378▼
Income statement
Code20222023
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€19k€-15k▼
Operating profit (loss)9901€14k€-20k▼
Financial charges65/66B€65€57▼
Recurring financial charges65€65€57▼
Profit (loss) for the period before taxes9903€14k€-20k▼
Income taxes67/77€4k€205▼
Profit (loss) for the period9904€10k€-20k▼
Profit (loss) for the period to be appropriated9905€10k€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€-20k▼
Transfer to equity691/2€10k-
To other reserves6921€10k-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
06-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 98 days late
2023
31-12
Financial
Weakest financial yearnet €-20k ▼297%
Net result drops to €-20k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
Financial milestoneNBB 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, Chaudfontaine · 1 establishment unit since 2019
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.
Sur les Heids 54053 ChaudfontaineGround area
695 m²
Building footprint
130 m²
Volume, LiDAR
873 m³
Parcel 62030A0498/00N000, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ADRET & UBAC
since 20192.301.128.822
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62030A0498/00N000 | Wallonia | 695 m² | 1 · 130 m² | 8.9 m · 2 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, comparable size
AVDC Consulting
BE 0777.866.754
Waterloo · Eq €14k
ITstra
BE 0732.947.044
Koksijde · Eq €14k
AGILLES CONSULTING
BE 1014.422.931
Zaventem · Eq €14k
WAVE CONSULTING
BE 0839.218.660
Ukkel · Eq €14k
Synaptivision
BE 1027.394.801
Tienen · Eq €14k
Of 16,886 companies in sector 62100 we hold annual accounts for 8,777. 5,124 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-05-2019
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
74201Photography, excluding press photography
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.