Turnover
Turnover rose in 2025 from €373,242 to €517,664.
Turnover rose in 2025 from €373,242 to €517,664.
Debts rose by €445,954 in 2025.
Green is investment, beige is depreciation.
UB GROUP pays its suppliers 269 days later than in 2024. Customers pay 217 days later.
The 2025 accounts came 28 days late. The other two were filed on time.
Lower solvency than 81% of companies in specialised construction. Sector median 44.0% · 9,967 companies.
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 19% of them on solvency, 11% on liquidity, 45% on profitability and 82% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 7,976 companies had the same profile as UB GROUP has now. Each dot stands for 20 companies, two years later.
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of UB GROUP itself is higher: 4.7% within 12 months. It rests on far more data about UB GROUP than the profile alone.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,976 companies, not a prediction for UB GROUP. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is ample, with a current ratio of 1.51 (1.86 in 2024), above the usual 1.5. Short-term debt is 61.1% and cash 1.1% of total assets. However, 82.6% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 3 accounts on average 11 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| UB GROUP Antwerp | €617,802 | €126,118 | 17.4% | - |
| TOITURES CARO Theux | €597,503 | €126,416 | 8.2% | - |
| IW Perings Saint-Vith | €604,807 | €123,365 | 40.0% | - |
| Premium Construct Linter | €653,823 | €105,829 | 30.2% | - |
| HD CONSTRUCT DAKWERKEN Zoersel | €543,808 | €170,048 | 18.3% | - |
| Dakwerken Moorkens Vorselaar | €655,365 | €190,083 | 54.9% | - |
| Moons Dakwerken Nijlen | €693,306 | €182,415 | 24.7% | - |
These companies have the same main activity as UB GROUP: roofing work (NACE 43410). They are comparable in size and age: total assets between €544,000 and €693,000, founded between 2021 and 2023.
Solvency fell in 2025 from 53.8% to 17.4% because of higher debts to suppliers.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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