U.B.P.
ActiveU.B.P. has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-126k) and a net result of €-9k. Equity is shrinking by ~51.4% per year across the filed fiscal years. Its solvency ranks better than 5% of 1902 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
36
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▲+5
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.06 against 0.25 in 2024; short-term debt: 64% and cash: 2.9% of total assets), and equity is negative.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Sector 25
higher
← 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 2025Solvency, return and age of the figures
Solvency
-32.6%
Return on assets
-2.3%
Age of the figures
12 mo
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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-126k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 17-03-2026, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
33 d early
2023
on the day
2022
305 d late
2021
1 d early
2020
28 d late
2019
39 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-126k▼ 7.7%
2024 · €-117k
2018: €12k
2019: €-9k
2020: €-19k
2021: €-17k
2022: €-57k
2023: €-74k
2024: €-117k
2018 → 2025
Total assets
€385k▼ 17.1%
2024 · €465k
2018: €23k
2019: €481k
2020: €834k
2021: €634k
2022: €960k
2023: €886k
2024: €465k
2018 → 2025
Net result
€-9k▲ 79.2%
2024 · €-43k
2018: €-2k
2019: €-21k
2020: €-10k
2021: €2k
2022: €-40k
2023: €-17k
2024: €-43k
2018 → 2025
Working capital
€-232k▼ 3.2%
2024 · €-225k
2018: €12k
2019: €-13k
2020: €-23k
2021: €-21k
2022: €-292k
2023: €-315k
2024: €-225k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-17k-€-57k▼ 237%€-74k▼ 29.3%€-117k▼ 58.4%€-126k▼ 7.7%
Operating result€6k-€-28k€-4k▲ 85.3%€14k€-2k
Net result€2k-€-40k€-17k▲ 58.3%€-43k▼ 157%€-9k▲ 79.2%
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 2025: a loss of €2k after €14k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €385k
Fixed assets
€371k▼ 4.8%
Current assets
€14k▼ 80.9%
Key figures and ratios
EBITDA
€16k▼
2024 · €33k
Cash flow
€10k▲
2024 · €-24k
Solvency
-32.6%▼
2024 · -25.1%
Current ratio
0.06▼
2024 · 0.25
Quick ratio
0.06▼
2024 · 0.25
Debt / equity
-4.07▲
2024 · -4.99
ROA
-2.3%▲
2024 · -9.2%
Interest coverage
2.41▼
2024 · 2.84
Debt
€511k▼
2024 · €582k
Debt ≤ 1 year
€247k▼
2024 · €301k
Debt > 1 year
€264k▼
2024 · €281k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€465k€385k▼
Fixed assets21/28€390k€371k▼
Tangible fixed assets22/27€390k€371k▼
Land and buildings22€390k€371k▼
Current assets29/58€76k€14k▼
Amounts receivable within one year40/41€2k€3k▲
Trade receivables40€2k€3k▲
Other amounts receivable41€93€54▼
Cash at bank and in hand54/58€73k€11k▼
Equity and liabilities
Total equity and liabilities10/49€465k€385k▼
Equity10/15€-117k€-126k▼
Contributions10/11€6k€6k=
Reserves13€16k€16k=
Distributable reserves133€16k€16k=
Profit (loss) carried forward14€-139k€-148k▼
Amounts payable17/49€582k€511k▼
Amounts payable after more than one year17€281k€264k▼
Financial debts170/4€281k€264k▼
Amounts payable within one year42/48€301k€247k▼
Current portion of amounts payable after more than one year42€17k€17k▲
Trade debts44€5k€6k▲
Suppliers440/4€5k€6k▲
Taxes, remuneration and social security45€2k€510▼
Taxes450/3€2k€510▼
Other amounts payable47/48€276k€223k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k=
Other operating charges640/8€2k€3k▲
Gross operating margin9900€35k€19k▼
Operating profit (loss)9901€14k€-2k▼
Financial income75/76B€309€178▼
Recurring financial income75€309€178▼
Financial charges65/66B€57k€7k▼
Recurring financial charges65€11k€7k▼
Non-recurring financial charges66B€46k€0▼
Profit (loss) for the period before taxes9903€-43k€-9k▲
Profit (loss) for the period9904€-43k€-9k▲
Profit (loss) for the period to be appropriated9905€-43k€-9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-139k€-148k▼
Profit (loss) brought forward from the previous period14P€-96k€-139k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-43k
Net result drops to €-43k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
29-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 305 days late
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €2k
Net result €2k after 3 loss-making years.
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 days late
2019
27-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-04
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.
Directors · office · real estate
Directors
7 acts for this company are 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, Mechelen · 1 establishment unit since 2008
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.
Kraanstraat 62800 MechelenGround area
984 m²
Building footprint
435 m²
Volume, LiDAR
2,988 m³
2 parcels, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Officecorner
since 20082.175.461.659
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13434F1437/00M000 | Flanders | 870 m² | 1 · 321 m² | 11.2 m · 2 fl. |
| 12025E0212/00A000 | Flanders | 114 m² | 1 · 114 m² | 10.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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SERGIU CONSTRUCTION
BE 0778.860.708
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STEEL DYNAMICS
BE 1023.261.116
Brussel · Eq €12k
EZANS
BE 1005.800.225
Zaventem · Eq €12k
VHS Construct
BE 1008.838.701
Lebbeke · Eq €12k
Of 3,986 companies in sector 25110 we hold annual accounts for 2,147. 837 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-2008
Fiscal year end30-09
Activities, NACEBEL
25110Manufacture of metal structures and parts of structures
25220Manufacture of fabricated metal products, except machinery and equipment
25999Manufacture of fabricated metal products, except machinery and equipment
46820Wholesale trade
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.