UDM Chassis et isolation
ActiveThe file of UDM Chassis et isolation contains 2 judicial reorganisations, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is ≥ 25% (high). The 2025 annual accounts show negative equity (€-68k) and a net result of €-4k. Equity is shrinking by ~40.8% per year across the filed fiscal years. Its solvency ranks better than 5% of 27451 sector peers (fiscal year 2025).
Checked score
Score 2025
10
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability23▼-33
Solvency0=
Growth40=
Track record60
Bankruptcy probability, 12 months
≥ 25%
High
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.57 against 0.52 in 2024; short-term debt: 159.6% and cash: 20.9% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Ten 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 43
Relative position
BE, all sectors
reference
Sector 43
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
-59.8%
Return on assets
-3.4%
Age of the figures
9 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 €-68k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
35 d early
2023
28 d early
2022
92 d late
2021
122 d late
2020
90 d late
2019
178 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€720k▲ 20.7%
2020 · €596k
2018: €600k
2019: €781k
2020: €596k
2018 → 2021
EBIT margin
-5.3%▼ 10.1pp
2020 · 4.8%
2018: 0.8%
2019: 4.8%
2020: 4.8%
2018 → 2021
Net result
€-4k
2024 · €2k
2018: €3k
2019: €31k
2020: €21k
2021: €-40k
2022: €-33k
2023: €-45k
2024: €2k
2018 → 2025
Working capital
€-77k▼ 4.8%
2024 · €-74k
2018: €-5k
2019: €20k
2020: €42k
2021: €-3k
2022: €-29k
2023: €-72k
2024: €-74k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€720k-
Equity€12k-€-21k€-66k▼ 212%€-64k▲ 2.5%€-68k▼ 6.1%
Operating result€-38k-€-31k▲ 18.4%€-36k▼ 14.7%€3k€10k▲ 222%
Net result€-40k-€-33k▲ 18.8%€-45k▼ 36.7%€2k€-4k
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 222% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €114k
Fixed assets
€9k▼ 16.1%
Current assets
€104k▲ 31.6%
Key figures and ratios
EBITDA
€15k▲
2024 · €8k
Cash flow
€880▼
2024 · €6k
Solvency
-59.8%▲
2024 · -70.8%
Current ratio
0.57▲
2024 · 0.52
Quick ratio
0.33▲
2024 · 0.24
Debt / equity
-2.67▼
2024 · -2.41
ROA
-3.4%▼
2024 · 1.9%
Interest coverage
1.07▼
2024 · 4.15
Debt
€182k▲
2024 · €155k
Debt ≤ 1 year
€182k▲
2024 · €153k
Income taxes
€213▼
2024 · €307
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€91k€114k▲
Fixed assets21/28€11k€9k▼
Tangible fixed assets22/27€11k€9k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€8k€8k▼
Financial fixed assets28€205€205=
Current assets29/58€79k€104k▲
Stocks and contracts in progress3€43k€45k▲
Stocks30/36€43k€45k▲
Amounts receivable within one year40/41€3k€31k▲
Trade receivables40€3k€31k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€30k€24k▼
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€91k€114k▲
Equity10/15€-64k€-68k▼
Contributions10/11€7k€7k=
Reserves13€5k€5k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€-76k€-80k▼
Amounts payable17/49€155k€182k▲
Amounts payable after more than one year17€1k-
Financial debts170/4€1k-
Amounts payable within one year42/48€153k€182k▲
Current portion of amounts payable after more than one year42€4k€1k▼
Trade debts44€65k€92k▲
Suppliers440/4€65k€92k▲
Advances received on contracts in progress46€11k-
Taxes, remuneration and social security45€73k€88k▲
Taxes450/3€66k€81k▲
Remuneration and social security454/9€8k€7k▼
Accrued charges and deferred income492/3€170€132▼
Income statement
Code20242025
Non-recurring operating income76A€478-
Remuneration, social security and pensions62€1k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€885-
Other operating charges640/8€1k€948▼
Gross operating margin9900€11k€16k▲
Operating profit (loss)9901€3k€10k▲
Financial income75/76B€766€146▼
Recurring financial income75€766€146▼
Financial charges65/66B€2k€14k▲
Recurring financial charges65€2k€14k▲
Profit (loss) for the period before taxes9903€2k€-4k▼
Income taxes67/77€307€213▼
Profit (loss) for the period9904€2k€-4k▼
Profit (loss) for the period to be appropriated9905€2k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-76k€-80k▼
Profit (loss) brought forward from the previous period14P€-78k€-76k▲
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
21-08
Judicial reorganisation
Plan homologation
Tribunal de l’entreprise de Liège · 20260020 · event 14-08-2026
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
24-04
Judicial reorganisation
Opening
Tribunal de l’entreprise de Liège · collectif_pme · event 21-04-2026
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 3 loss-making years.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-45k
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 122 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
25-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 178 days late
2019
31-12
Financial
Highest result since 2018net €31k ▲867%
Operating result €37k, net result €31k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 61 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 58 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Seraing · 1 establishment unit since 2012
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 R. Sualem 474101 Seraing1 establishment unit
UDM Chassis et isolation
since 20122.210.122.630
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Of 489 companies in sector 43343 we hold annual accounts for 294. 109 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-05-2012
Fiscal year end31-12
Activities, NACEBEL
43343Specialised construction activities
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filings
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.