ARNAUD URBAIN

Active

Private limited companyfounded 20242 yrs activeRoute d'Ath(EL) 193, 7050 Jurbise, BelgiumKBO/BCE: BE 1004.952.662

The computed 12-month bankruptcy probability of ARNAUD URBAIN is 7.5% (elevated). The 2024 annual accounts show equity of €123k and a net result of €103k. Its solvency ranks better than 49% of 1775 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

48 / 100

Fair

The score combines four axes. Every signal that weighs is under Signals.

Axes

Profitability100

Solvency25

Growth-

Stability67

Bankruptcy probability, 12 months

7.5% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €6k at 30 days only on tighter terms

Liquidity short (current ratio 0.62), and 76.8% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 · 1 filing

Deviation from the deadline

2024

60 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, full schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€103k

Working capital

€-154k

Balance-sheet composition

Assets €532k

52.0%

48.0%

Fixed assets €277k

Current assets €256k

Equity and liabilities €532k

23.2%

76.8%

Equity €123k

Debt €409k

Debt finances 76.8% of the balance-sheet total.

Key figures and ratios

2024 value

EBITDA

€203k

Cash flow

€166k

Solvency

23.2%

Current ratio

0.62

Quick ratio

0.62

Debt / equity

3.31

ROE

83.8%

ROA

19.4%

Interest coverage

59.31

Debt

€409k

Debt ≤ 1 year

€409k

Income taxes

€33k

Staff costs

€464k

Filed annual accounts

As filed with the NBB · 2024

Balance sheet Code2024

Assets

Total assets20/58€532k

Fixed assets21/28€277k

Tangible fixed assets22/27€277k

Land and buildings22€8k

Plant, machinery and equipment23€171k

Furniture and vehicles24€98k

Current assets29/58€256k

Stocks and contracts in progress3€2k

Stocks30/36€2k

Amounts receivable within one year40/41€91k

Trade receivables40€91k

Cash at bank and in hand54/58€162k

Deferred charges and accrued income490/1€399

Equity and liabilities

Total equity and liabilities10/49€532k

Equity10/15€123k

Contributions10/11€20k

Profit (loss) carried forward14€103k

Amounts payable17/49€409k

Amounts payable within one year42/48€409k

Trade debts44€77k

Suppliers440/4€77k

Taxes, remuneration and social security45€117k

Taxes450/3€58k

Remuneration and social security454/9€59k

Other amounts payable47/48€215k

Income statement Code2024

Remuneration, social security and pensions62€464k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€63k

Other operating charges640/8€5k

Gross operating margin9900€671k

Operating profit (loss)9901€140k

Financial charges65/66B€3k

Recurring financial charges65€3k

Profit (loss) for the period before taxes9903€136k

Income taxes67/77€33k

Profit (loss) for the period9904€103k

Profit (loss) for the period to be appropriated9905€103k

Appropriation of the result

Profit (loss) to be appropriated9906€103k

Social balance

Average headcount (FTE)908710.0

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2025

29-09

NBB filing Annual accounts filed

fiscal year 2024 · full schema · 60 days late

NBB filing

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, Jurbise · 3 establishment units since 2024

establishment All 3 establishment units on the map

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.

Route d'Ath(EL) 1937050 Jurbise

Ground area

3.7 ha

Building footprint

1,820 m²

Volume, LiDAR

10,283 m³

4 parcels, Wallonia · tallest building 12.3 m, ±4 floors. Linked by address, not a title deed.

3 establishment units

Arnaud Food/Café 21

Rue de Mons 3, 7080 FrameriesFull-service restaurants

since 20242.354.775.463

Arnaud Urbain Magasin

Route d'Ath(J) 160, 7050 JurbiseWholesale of other food products

since 20242.354.775.562

Arnaud Urbain Production

Avenue Melina Mercouri 9, 7000 MonsEvent catering

since 20242.369.396.828

4 parcels

Wallonia 4 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
53028A0026/00Y005 ProtectedSite or landscape	Wallonia	2.3 ha	1 · 949 m²	12.3 m · 4 fl.
53023B0159/00W000	Wallonia	7,317 m²	1 · 839 m²	-
53402A0249/33B000	Wallonia	5,717 m²	-	-
53044B0746/00N002	Wallonia	571 m²	1 · 32 m²	4.4 m · 1 fl.