UMÉ'O
ActiveUMÉ'O has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €79k and a net result of €-9k. Equity is shrinking by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 2324 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▼-18
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
short-term debt: 0.6% and cash: 66.9% of total assets, and 0.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-9k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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
12 d late
2024
31 d late
2023
119 d late
2022
28 d late
2021
23 d early
2020
9 d late
2019
33 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€79k▼ 9.8%
2024 · €87k
2018: €94k
2019: €119k
2020: €142k
2021: €112k
2022: €96k
2023: €90k
2024: €87k
2018 → 2025
Total assets
€79k▼ 10.1%
2024 · €88k
2018: €183k
2019: €194k
2020: €216k
2021: €125k
2022: €99k
2023: €94k
2024: €88k
2018 → 2025
Net result
€-9k▼ 180%
2024 · €-3k
2018: €17k
2019: €24k
2020: €43k
2021: €-30k
2022: €-16k
2023: €-6k
2024: €-3k
2018 → 2025
Working capital
€74k▼ 10.3%
2024 · €83k
2018: €42k
2019: €82k
2020: €90k
2021: €71k
2022: €51k
2023: €90k
2024: €83k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€112k-€96k▼ 14.1%€90k▼ 6.1%€87k▼ 3.4%€79k▼ 9.8%
Operating result€-29k-€-15k▲ 47.4%€-6k▲ 61.7%€-3k▲ 40.8%€-9k▼ 151%
Net result€-30k-€-16k▲ 47.6%€-6k▲ 62.7%€-3k▲ 48.1%€-9k▼ 180%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9k in 2025 against €3k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €79k
Fixed assets
€4k=
Current assets
€75k▼ 10.6%
Equity and liabilities €79k
Equity
€79k▼ 9.8%
Debt
€484▼ 44.8%
The debt ratio falls from 1.0% to 0.6%. Equity and debt are lower.
Key figures and ratios
Solvency
99.4%▲
2024 · 99.0%
Debt / equity
0.01▼
2024 · 0.01
ROE
-10.8%▼
2024 · -3.5%
ROA
-10.8%▼
2024 · -3.5%
Debt
€484▼
2024 · €877
Debt ≤ 1 year
€484▼
2024 · €877
Income taxes
€137
A ratio outside any meaningful range has been withheld (balance sheet total €79k, equity €79k).
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€88k€79k▼
Fixed assets21/28€4k€4k=
Tangible fixed assets22/27€4k€4k=
Plant, machinery and equipment23€4k€4k=
Current assets29/58€84k€75k▼
Amounts receivable within one year40/41€22k€22k▲
Other amounts receivable41€22k€22k▲
Cash at bank and in hand54/58€62k€53k▼
Equity and liabilities
Total equity and liabilities10/49€88k€79k▼
Equity10/15€87k€79k▼
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€105k€105k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€104k€104k=
Profit (loss) carried forward14€-25k€-33k▼
Amounts payable17/49€877€484▼
Amounts payable within one year42/48€877€484▼
Trade debts44€877€484▼
Suppliers440/4€877€484▼
Income statement
Code20242025
Other operating charges640/8€436€450▲
Gross operating margin9900€-3k€-8k▼
Operating profit (loss)9901€-3k€-9k▼
Financial income75/76B€552€506▼
Recurring financial income75€552€506▼
Financial charges65/66B€96€96=
Recurring financial charges65€96€96=
Profit (loss) for the period before taxes9903€-3k€-8k▼
Income taxes67/77-€137
Profit (loss) for the period9904€-3k€-9k▼
Profit (loss) for the period to be appropriated9905€-3k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-25k€-33k▼
Profit (loss) brought forward from the previous period14P€-22k€-25k▼
The notes to these accounts (1 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 95.26
Current ratio from 27.77 to 95.26; short-term debt falls from €3k to €877.
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 119 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-30k ▼170%
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 8current ratio 19.06
Current ratio from 2.38 to 19.06; short-term debt falls from €66k to €4k.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-12
Financial
Highest result since 2018net €43k ▲75.1%
Operating result €52k, net result €43k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €119k ▲25.8%
2 profitable years in a row build equity to €119k.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 6 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Huy · 1 establishment unit since 2011
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 Entre-Deux-Thiers 294500 HuyGround area
3,809 m²
Building footprint
97 m²
Volume, LiDAR
655 m³
Parcel 61007D0135/00C000, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
UME'O
since 20112.198.435.615
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61007D0135/00C000 | Wallonia | 3,809 m² | 1 · 97 m² | 8.5 m · 2 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.
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Of 10,452 companies in sector 86995 we hold annual accounts for 885. 696 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded18-04-2011
Fiscal year end31-12
Activities, NACEBEL
86909Human health activities
86995Nutrition and dietetics services
72109Other research and development on natural sciences
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.