Debts
€88,642 96% of the balance sheet
Suppliers 82%Taxes and wages 0%Other 17%
UB3
Lifetime
6 annual accounts with figures on one time axispeak €36,386 (2021)
€18,272▲ €34,722
lowest -€27,114 (2022)
€6,543▲ €24,436
peak €42,178 (2021)
€3,713▲ €6,543
€88,642▲ 38.8%
Board7 names since 2018
3 directorsLagraoui Abdelhakim and 2 others
Documentsfilings and deeds
30-11-2025122 days late
2024micro format
Gross margin from -€16,450 to €18,272Back to profit: €6,543Transfer of 5 shares from HANNACHI Faten to ALY Mahmoud Ibrah… 29-10Equity from -€2,829 to €3,713Debts from €63,852 to €88,642Cash from €10,325 to €23,098
Key points
from the 2024 annual accountsFilings
6 annual accounts 102 days past the deadline
2025 accounts not filed: deadline was 31-07-2026.
Position in the sector
4.0%
Lower solvency than 82% of companies in land transport. Sector median 37.2% · 6,605 companies.
Checked score
37
Weak
Financially stronger than 50% of micro companies in land transport (NACE 49)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
6.3% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 9,092 companies (NACE 49, micro).
About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 6.5%
01-2025: 6.6%▲ +0.1 percentage points vs 12-2024
02-2025: 6.7%▲ +0.1 percentage points vs 01-2025
03-2025: 6.6%▼ -0.1 percentage points vs 02-2025
04-2025: 6.9%▲ +0.3 percentage points vs 03-2025
05-2025: 7.3%▲ +0.4 percentage points vs 04-2025
06-2025: 6.8%▼ -0.5 percentage points vs 05-2025
07-2025: 6.9%▲ +0.1 percentage points vs 06-2025
08-2025: 7.6%▲ +0.7 percentage points vs 07-2025
09-2025: 8.3%▲ +0.7 percentage points vs 08-2025highest value
10-2025: 6.0%▼ -2.3 percentage points vs 09-2025
11-2025: 6.1%▲ +0.1 percentage points vs 10-2025
12-2025: 7.0%▲ +0.9 percentage points vs 11-2025
01-2026: 4.2%▼ -2.8 percentage points vs 12-2025
02-2026: 4.2%● unchanged vs 01-2026
03-2026: 4.1%▼ -0.1 percentage points vs 02-2026
04-2026: 3.9%▼ -0.2 percentage points vs 03-2026
05-2026: 3.8%▼ -0.1 percentage points vs 04-2026
06-2026: 3.6%▼ -0.2 percentage points vs 05-2026lowest value
07-2026: 3.6%● unchanged vs 06-2026
08-2026: 4.6%▲ +1.0 percentage point vs 07-2026
09-2026: 4.8%▲ +0.2 percentage points vs 08-2026
10-2026: 6.3%▲ +1.5 percentage points vs 09-2026
11-2026: 6.3%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Figures for financial year 2024 (filed on 05-12-2025)
1 financial year not filed after the legal deadline; last filed accounts filed 122 days late; 2 of the last 3 accounts late
Founded in 2018
lowers risk
Liquidity: current ratio 0.59, cash €23,098
Calculation
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 49, micro). It does better than 17% of them on solvency, 28% on liquidity, 60% on profitability and 95% on growth.
The bankruptcy probability was computed on 09-11-2026 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 31-12-2024.
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).
Comparable companies, two years later
In July 2024, 2,153 companies had the same profile as UB3 has now. Each dot stands for 6 companies, two years later.
96.0%
were still trading
2.2%
stopped another way
1.7%
went bankrupt
The bankruptcy probability of UB3 itself is higher: 6.3% within 12 months. It rests on far more data about UB3 than the profile alone.
Test of the method
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 2,153 companies, not a prediction for UB3. 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.
Credit verdict
No publishable credit limit, so credit only on tighter terms
Liquidity is insufficient, with a current ratio of 0.59 (0.39 in 2023), below 1. Short-term debt is 96% and cash 25% of total assets. 96% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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.
Signals
Seven signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 6605 sector peers (2024).
NBB · sector comparisonPosition among 6605 sector peers
Solvency
better than 18%
← weakest
strongest →
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 102 days later.
NBB · 6 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline10-11-2026 today
raises risk · 2024 accounts filed 122 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-11-2025, 122 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 6 filingsDeviation from the deadline
2025
not filed
2024
122 days late
2023
on the day
2022
59 days late
2021
64 days late
2020
496 days late
2019
31 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 118 days after the deadline. In the sector (NACE 49), the median for financial year 2024 was on the deadline day, and 49% of those companies filed late.
Searched, nothing found (1)
Board and ownership
- MAHAINY Hamza 75 sharesdeed of 20-10-2025
- LAGRAOUI Abdelhakim 25 sharesdeed of 20-10-2025
- HALLAQ Mohannad 20 sharesdeed of 20-10-2025
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0700755813
Transfer of 20 shares from MAHAINY Hamza to HALLAQ Mohannad
Appointment: HALLAQ Mohannad (administarteur) · MAHAINY Hamza holds 75 shares · LAGRAOUI Abdelhakim holds 25 shares · General meeting of 01-09-2025 · Gazette deed
Transfer of 20 shares from HALLAQ Mohannad to MAHAINY Hamza
Appointment: MAHAINY Hamza (director) · Resignation: HALLAQ Mohannad (director) · MAHAINY Hamza holds 75 shares · Gazette deed
Transfer of 5 shares from HANNACHI Faten to ALY Mahmoud Ibrahim Moustafa Eslam
Resignation: HANNACHI Faten (director) · Appointment: ALY Mahmoud Ibrahim Moustafa Eslam (director) · Director discharge: HANNACHI Faten · General meeting of 21-10-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| UB3 Saint-Josse-ten-Noode | - | - | 4.0% | - |
| EXCELLENT MULTISERVICES Ixelles | - | - | 60.6% | - |
| AARBOU Sint-Pieters-Leeuw | - | - | 37.0% | - |
| KOLLANGUI Anderlecht | €47,009 | 4.3% | 96.1% | - |
| TARIK TRANS Anderlecht | - | - | 90.4% | - |
| YOU BUSINESS Etterbeek | €90,804 | -17.9% | -17.0% | - |
| UNIVERSAL Brussels | €71,900 | -2.2% | 98.3% | - |
These companies have the same main activity as UB3: on-demand passenger transport by chauffeured vehicle (NACE 49330). They are comparable in size and age: total assets between €74,200 and €106,000, founded between 2016 and 2019.
Official details
Source: KBO- Status
- Active since 09-08-2018Normal situation
- Activity
- On-demand passenger transport by chauffeured vehicleNACE 49330
- Establishment unit
- 2.278.359.457since 09-08-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 17-03-2026
Insights on UB3
UB3 files the micro format. That format states no turnover. The gross margin fell from €36,216 in 2019 to €18,272 in 2024.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about UB3
- What is the company number of UB3?
- The company number of UB3 is 0700.755.813. The VAT number is the same number with BE in front: BE 0700.755.813.
- Where is UB3 based?
- The registered office is at Brabantstraat 27, 1210 Saint-Josse-ten-Noode.Company details
- What does UB3 do?
- According to the KBO register, the main activity is on-demand passenger transport by chauffeured vehicle (NACE 49330).
- What is the legal form of UB3?
- UB3 is a private limited company (pre-2019) (BVBA).
- When was UB3 founded?
- UB3 was founded on 09-08-2018.
- Is UB3 still active?
- Yes, UB3 is an active enterprise in the KBO register.
- What is the turnover of UB3?
- The turnover in financial year 2024 is ≈ €100,000. This figure is estimated from the gross margin of €18,272 and 136 comparable companies (NACE 49330). It probably lies between €63,000 and €160,000. It is a rough estimate. In financial year 2023 turnover was €26,104.Financials
- Is UB3 profitable?
- In financial year 2024, UB3 made a profit of €6,543.
- Where can I find the annual accounts of UB3?
- UB3 filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
Next steps
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