UGO IMMO
ActiveUGO IMMO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €62k and a net result of €42k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 24% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+78
Solvency48▲+7
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.25 against 1.18 in 2024; short-term debt: 44.3% and cash: 0.6% of total assets), but 77.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 →
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
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
22.7%
Return on assets
15.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 24%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €62k
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
15 d early
2023
84 d late
2022
61 d late
2021
25 d late
2020
25 d late
2019
160 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
2022 · €0
2022: €0
2022 → 2023
EBIT margin
Not included in this filing
Net result
€42k
2024 · €-8k
2018: €5k
2019: €17k
2020: €-13k
2021: €69k
2022: €-62k
2023: €-3k
2024: €-8k
2018 → 2025
Working capital
€151k▲ 762%
2024 · €17k
2018: €75k
2019: €102k
2020: €2k
2021: €36k
2022: €-10k
2023: €9k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0€0
Equity€93k-€31k▼ 66.6%€28k▼ 9.7%€20k▼ 30.0%€62k▲ 215%
Operating result€95k-€-58k€-3k▲ 95.4%€-27k▼ 901%€44k
Net result€69k-€-62k€-3k▲ 95.1%€-8k▼ 179%€42k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €44k after a loss of €27k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €272k
Fixed assets
€1k▼ 49.5%
Current assets
€271k▲ 132%
Equity and liabilities €272k
Equity
€62k▲ 215%
Debt
€211k▲ 112%
The debt ratio falls from 83.5% to 77.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€45k▲
2024 · €-8k
Cash flow
€43k▲
2024 · €11k
Solvency
22.7%▲
2024 · 16.5%
Current ratio
2.25▲
2024 · 1.18
Quick ratio
2.25▲
2024 · 1.18
Debt / equity
3.41▼
2024 · 5.07
ROE
68.3%▲
2024 · -42.8%
ROA
15.5%▲
2024 · -7.0%
Interest coverage
30.20▲
2024 · -4.50
Debt
€211k▲
2024 · €99k
Debt ≤ 1 year
€121k▲
2024 · €99k
Staff costs
€40k▼
2024 · €41k
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€119k€272k▲
Formation expenses20€0€0=
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€630▼
Plant, machinery and equipment23€2k€630▼
Furniture and vehicles24€0€0=
Financial fixed assets28€427€427=
Current assets29/58€117k€271k▲
Amounts receivable within one year40/41€117k€269k▲
Trade receivables40€116k€268k▲
Other amounts receivable41€960€2k▲
Cash at bank and in hand54/58€13€2k▲
Equity and liabilities
Total equity and liabilities10/49€119k€272k▲
Equity10/15€20k€62k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-443€42k▲
Amounts payable17/49€99k€211k▲
Amounts payable within one year42/48€99k€121k▲
Financial debts43€7k€0▼
Credit institutions430/8€7k€0▼
Trade debts44€38k€71k▲
Suppliers440/4€38k€71k▲
Taxes, remuneration and social security45€9k€6k▼
Taxes450/3€0€0=
Remuneration and social security454/9€9k€6k▼
Other amounts payable47/48€45k€43k▼
Accrued charges and deferred income492/3€0€90k▲
Income statement
Code20242025
Remuneration, social security and pensions62€41k€40k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€1k▼
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€3k-
Gross operating margin9900€37k€86k▲
Operating profit (loss)9901€-27k€44k▲
Financial income75/76B€20k-
Recurring financial income75€20k-
Non-recurring financial income76B€20k-
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-8k€42k▲
Profit (loss) for the period9904€-8k€42k▲
Profit (loss) for the period to be appropriated9905€-8k€42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-443€42k▲
Profit (loss) brought forward from the previous period14P€8k€-443▼
The notes to these accounts (5 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €42k
Net result €42k after 3 loss-making years.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 84 days late
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial
Weakest financial yearnet €-62k ▼190%
Net result drops to €-62k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Back to profitnet €69k
Net result €69k after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
07-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 160 days late
2019
07-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 68 days late
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 91 days late
2017
27-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 88 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sprimont · 1 establishment unit since 2008
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 de Wachiboux(DLX) 334140 SprimontGround area
3,625 m²
Building footprint
457 m²
Volume, LiDAR
3,024 m³
2 parcels, Wallonia · tallest building 14.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
UGO IMMO
since 20082.204.446.051
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62028B0281/00S000 | Wallonia | 2,134 m² | 1 · 227 m² | 14.3 m · 2 fl. |
| 62026D0820/00G000 | Wallonia | 1,491 m² | 1 · 230 m² | 11.1 m · 3 fl. |
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.
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Of 751 companies in sector 43422 we hold annual accounts for 424. 351 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-09-2008
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43422Screed work
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.