UBORA
ActiveSummary
UBORA has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €68k and a net result of €21k. Equity is growing by ~40.5% per year across the filed fiscal years. Its solvency ranks better than 31% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+79
Solvency61▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.7 against 0.46 in 2024; short-term debt: 64.2% and cash: 0.2% of total assets), and 64.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
35.8%
Return on assets
10.9%
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 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
2023
12 d late
2022
23 d early
2021
31 d late
2020
10 d late
2019
31 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
€68k▲ 43.9%
2024 · €47k
2018: €-11k
2019: €3k
2020: €14k
2021: €15k
2022: €42k
2023: €68k
2024: €47k
2018 → 2025
Total assets
€190k▲ 17.7%
2024 · €161k
2018: €54k
2019: €56k
2020: €97k
2021: €106k
2022: €116k
2023: €138k
2024: €161k
2018 → 2025
Net result
€21k
2024 · €-21k
2018: €-46k
2019: €14k
2020: €11k
2021: €127
2022: €27k
2023: €26k
2024: €-21k
2018 → 2025
Working capital
€-37k▲ 40.5%
2024 · €-62k
2018: €-27k
2019: €-10k
2020: €-15k
2021: €2k
2022: €24k
2023: €50k
2024: €-62k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€42k▲ 187%€68k▲ 63.4%€47k▼ 30.5%€68k▲ 43.9%
Operating result€14k-€50k▲ 245%€61k▲ 22.1%€-13k€51k
Net result€127-€27k▲ 21,167%€26k▼ 2.7%€-21k€21k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €51k after a loss of €13k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €190k
Fixed assets
€105k ▼ 4.1%
Current assets
€85k ▲ 63.6%
Equity and liabilities €190k
Equity
€68k ▲ 43.9%
Debt
€122k ▲ 6.9%
Debt's share of the balance-sheet total falls from 70.7% to 64.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€56k▲
2024 · €-7k
Cash flow
€25k▲
2024 · €-15k
Current ratio
0.70▲
2024 · 0.46
Debt to equity
1.79▼
2024 · 2.41
ROE
30.5%▲
2024 · -44.0%
ROA
10.9%▲
2024 · -12.9%
Interest coverage
5.98▲
2024 · -1.57
Debt ≤ 1 year
€122k▲
2024 · €114k
Income taxes
€21k▲
2024 · €4k
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€161k€190k▲
Fixed assets21/28€109k€105k▼
Intangible fixed assets21€4k€0▼
Tangible fixed assets22/27€621€213▼
Furniture and vehicles24€621€213▼
Financial fixed assets28€105k€105k=
Current assets29/58€52k€85k▲
Amounts receivable within one year40/41€52k€84k▲
Trade receivables40€47k€83k▲
Other amounts receivable41€4k€631▼
Cash at bank and in hand54/58€175€387▲
Deferred charges and accrued income490/1-€341
Equity and liabilities
Total equity and liabilities10/49€161k€190k▲
Equity10/15€47k€68k▲
Contributions10/11€19k€19k=
Reserves13€15k€36k▲
Distributable reserves133€15k€36k▲
Profit (loss) carried forward14€13k€13k=
Amounts payable17/49€114k€122k▲
Amounts payable within one year42/48€114k€122k▲
Current portion of amounts payable after more than one year42€6k-
Financial debts43€1k-
Credit institutions430/8€1k-
Trade debts44€72k€64k▼
Suppliers440/4€72k€64k▼
Advances received on contracts in progress46€24k€26k▲
Taxes, remuneration and social security45€10k€31k▲
Taxes450/3€5k€31k▲
Remuneration and social security454/9€6k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€-6k€57k▲
Operating profit (loss)9901€-13k€51k▲
Financial income75/76B-€3
Recurring financial income75-€3
Financial charges65/66B€5k€9k▲
Recurring financial charges65€5k€9k▲
Profit (loss) for the period before taxes9903€-17k€42k▲
Income taxes67/77€4k€21k▲
Profit (loss) for the period9904€-21k€21k▲
Profit (loss) for the period to be appropriated9905€-21k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€34k▲
Profit (loss) brought forward from the previous period14P€34k€13k▼
Transfer to equity691/2-€21k
To other reserves6921-€21k
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
08-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €27k ▲21167%
Net result €27k, the highest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Ramillies · 1 establishment unit since 2015
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.
Rue Albert Poupé 291367 RamilliesGround area
4,088 m²
Building footprint
251 m²
Volume, LiDAR
2,330 m³
Parcel 25030A0440/00D000, Wallonia · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Ubora
since 20152.247.963.716
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25030A0440/00D000 | Wallonia | 4,088 m² | 1 · 251 m² | 12.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
2549006SNKU2FZKNZU61
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Of 3,211 companies in sector 62900 we hold annual accounts for 1,741. 1,381 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
Founded14-10-2015
Fiscal year end31-12
Activities, NACEBEL 2025
62900Other information technology and computer services
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.