U TRAVEL
ActiveSummary
The computed 12-month bankruptcy probability of U TRAVEL is 3.8% (moderate). The 2025 annual accounts show equity of €186k and a net result of €25k. Equity is growing by ~26.6% per year across the filed fiscal years. Its solvency ranks better than 53% of 445 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability47▲+8
Solvency65▼-18
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.78 against 2.33 in 2024; short-term debt: 55.6% and cash: 19.3% of total assets), but 59.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 79
Relative position
BE, all sectors
reference
Sector 79
higher
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
40.4%
Return on assets
5.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 6 filingsDeviation from the deadline
2025
24 d late
2024
67 d late
2023
9 d late
2022
92 d late
2021
78 d late
2020
121 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€186k▲ 31.7%
2024 · €142k
2020: €69k
2021: €55k
2022: €88k
2023: €140k
2024: €142k
2020 → 2025
Total assets
€461k▲ 89.1%
2024 · €244k
2020: €124k
2021: €95k
2022: €242k
2023: €369k
2024: €244k
2020 → 2025
Net result
€25k▲ 2,077%
2024 · €1k
2020: €19k
2021: €-15k
2022: €34k
2023: €52k
2024: €1k
2020 → 2025
Working capital
€200k▲ 46.9%
2024 · €136k
2020: €118k
2021: €76k
2022: €208k
2023: €295k
2024: €136k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€55k-€88k▲ 61.6%€140k▲ 58.8%€142k▲ 0.8%€186k▲ 31.7%
Operating result€-14k-€35k€68k▲ 96.2%€7k▼ 89.3%€54k▲ 634%
Net result€-15k-€34k€52k▲ 54.4%€1k▼ 97.7%€25k▲ 2,077%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 634% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €461k
Fixed assets
€5k ▼ 10.8%
Current assets
€456k ▲ 91.5%
Equity and liabilities €461k
Equity
€186k ▲ 31.7%
Debt
€275k ▲ 169%
Debt's share of the balance-sheet total rises from 42.0% to 59.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€54k
Cash flow
€26k
Current ratio
1.78▼
2024 · 2.33
Debt to equity
1.48▲
2024 · 0.72
ROE
13.7%▲
2024 · 0.8%
ROA
5.5%▲
2024 · 0.5%
Interest coverage
2.50
Debt ≤ 1 year
€257k▲
2024 · €102k
Income taxes
€16k▲
2024 · €4k
Staff costs
€213k▲
2024 · €160k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€244k€461k▲
Fixed assets21/28€6k€5k▼
Intangible fixed assets21€203-
Tangible fixed assets22/27€539€133▼
Furniture and vehicles24€539€133▼
Financial fixed assets28€5k€5k=
Current assets29/58€238k€456k▲
Amounts receivable within one year40/41€116k€367k▲
Trade receivables40€84k€238k▲
Other amounts receivable41€31k€129k▲
Cash at bank and in hand54/58€50k€89k▲
Deferred charges and accrued income490/1€73k€156▼
Equity and liabilities
Total equity and liabilities10/49€244k€461k▲
Equity10/15€142k€186k▲
Contributions10/11€50k€50k=
Reserves13€90k€90k=
Distributable reserves133€90k€90k=
Profit (loss) carried forward14€1k€46k▲
Amounts payable17/49€102k€275k▲
Amounts payable within one year42/48€102k€257k▲
Current portion of amounts payable after more than one year42€8k€194k▲
Financial debts43-€30k
Credit institutions430/8-€30k
Trade debts44€45k€4k▼
Suppliers440/4€45k€4k▼
Taxes, remuneration and social security45€49k€29k▼
Taxes450/3€12k-
Remuneration and social security454/9€38k€29k▼
Accrued charges and deferred income492/3-€18k
Income statement
Code20242025
Remuneration, social security and pensions62€160k€213k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€203
Other operating charges640/8-€9k
Non-recurring operating charges66A-€405
Gross operating margin9900€167k€276k▲
Operating profit (loss)9901€7k€54k▲
Financial income75/76B€0€10k▲
Recurring financial income75€0€10k▲
Financial charges65/66B€2k€21k▲
Recurring financial charges65€2k€21k▲
Profit (loss) for the period before taxes9903€5k€42k▲
Income taxes67/77€4k€16k▲
Profit (loss) for the period9904€1k€25k▲
Profit (loss) for the period to be appropriated9905€1k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€46k▲
Profit (loss) brought forward from the previous period14P-€20k
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
Next filing, fiscal year 2026, expected by
2026
14-09
State Gazette act
General meeting · Registered-office moveRegistered-office move2 facts ▸
State Gazette act
General meeting · Registered-office move
Registered-office move2 facts ▸
- General meeting, 01-07-2026
- Registered-office move, Avenue Louise, 231, 1050 Bruxelles
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Equity above €150kEq €186k ▲31.7%
4 profitable years in a row build equity to €186k.
06-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 67 days late
2024
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 9 days late
2023
31-12
Financial
Highest result since 2020net €52k ▲54.4%
Operating result €68k, net result €52k, both a record.
31-12
Financial
Equity above €100kEq €140k ▲58.8%
2 profitable years in a row build equity to €140k.
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 92 days late
2022
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 78 days late
2021
31-12
Financial
Weakest financial yearnet €-15k ▼176%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
29-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 121 days late
Financial milestoneState Gazette actNBB 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brussel · 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.
Louizalaan 2311050 BrusselGround area
1.1 ha
Building footprint
4,377 m²
Volume, LiDAR
86,391 m³
2 parcels, Brussels, Flanders · tallest building 45.8 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
MERCURY TRAVEL
since 20192.291.834.242
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0131/00T000 | Brussels | 5,672 m² | 1 · 3,878 m² | 45.8 m · 8 fl. |
| 23772B0101/00B000 | Flanders | 5,421 m² | 1 · 499 m² | - |
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.
Similar companies · same sector, comparable size
Gobbens-Engels
BE 0838.593.902
Boom · Eq €191,951
SILVER TREE INT.
BE 0435.662.929
Elsene · Eq €177,723
PHARMA QUALITY GROUP
BE 0559.976.842
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RUNO
BE 0862.629.314
Brugge · Eq €176,513
BRAVO DISCOVERY
BE 0525.796.220
Elsene · Eq €197,358
Of 1,845 companies in sector 79901 we hold annual accounts for 146. 114 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
79120Travel agency, tour operator and other reservation service and related activities
79901Tourist information services
82400Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
5 entriesWebsite:www.mercurytravel.be
Website:www.opportunityinternational.be
E-mail:ilse@opportunityinternational.be
E-mail:nils@mercurytravel.be
E-mail:ilse@mercurytravel.be