UMiLo Consulting
ActiveUMiLo Consulting has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46k and a net result of €23k. Its solvency ranks better than 41% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +1 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency85▼-15
Growth78
Stability82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 2.73 in 2024), but 55.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
44.8%
Return on assets
22.2%
Age of the figures
8 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 28-08-2026, 28 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 · 2 filingsDeviation from the deadline
2025
28 d late
2024
31 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€46k▲ 98.3%
2024 · €23k
2024: €23k
2024 → 2025
Total assets
€104k▲ 185%
2024 · €36k
2024: €36k
2024 → 2025
Net result
€23k▲ 18.6%
2024 · €19k
2024: €19k
2024 → 2025
Working capital
€46k▲ 105%
2024 · €22k
2024: €22k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€23k-€46k▲ 98.3%
Operating result€24k-€32k▲ 28.6%
Net result€19k-€23k▲ 18.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 29% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €104k
Fixed assets
€877▼ 25.0%
Current assets
€103k▲ 192%
Equity and liabilities €104k
Equity
€46k▲ 98.3%
Debt
€57k▲ 344%
The debt ratio rises from 35.5% to 55.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€32k▲
2024 · €25k
Cash flow
€23k▲
2024 · €20k
Solvency
44.8%▼
2024 · 64.5%
Current ratio
1.80▼
2024 · 2.73
Quick ratio
1.80▼
2024 · 2.73
Debt / equity
1.23▲
2024 · 0.55
ROE
49.6%▼
2024 · 82.9%
ROA
22.2%▼
2024 · 53.5%
Interest coverage
24.31▼
2024 · 219.74
Debt
€57k▲
2024 · €13k
Debt ≤ 1 year
€57k▲
2024 · €13k
Income taxes
€7k▲
2024 · €5k
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€36k€104k▲
Fixed assets21/28€1k€877▼
Tangible fixed assets22/27€1k€877▼
Plant, machinery and equipment23€1k€877▼
Current assets29/58€35k€103k▲
Amounts receivable within one year40/41€26k€94k▲
Trade receivables40€24k€31k▲
Other amounts receivable41€2k€63k▲
Cash at bank and in hand54/58€9k€9k▼
Equity and liabilities
Total equity and liabilities10/49€36k€104k▲
Equity10/15€23k€46k▲
Contributions10/11€4k€4k=
Reserves13€19k€42k▲
Distributable reserves133€19k€42k▲
Amounts payable17/49€13k€57k▲
Amounts payable within one year42/48€13k€57k▲
Financial debts43-€44k
Credit institutions430/8-€44k
Trade debts44€8k€6k▼
Suppliers440/4€8k€6k▼
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€5k€7k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€292€292=
Gross operating margin9900€25k€32k▲
Operating profit (loss)9901€24k€32k▲
Financial income75/76B€17€12▼
Recurring financial income75€17€12▼
Financial charges65/66B€113€1k▲
Recurring financial charges65€113€1k▲
Profit (loss) for the period before taxes9903€24k€30k▲
Income taxes67/77€5k€7k▲
Profit (loss) for the period9904€19k€23k▲
Profit (loss) for the period to be appropriated9905€19k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€23k▲
Transfer to equity691/2€19k€23k▲
To other reserves6921€19k€23k▲
The notes to these accounts (4 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Begijnendijk · 1 establishment unit since 2024
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.
Prof.Scharpélaan 2023130 BegijnendijkGround area
1,185 m²
Building footprint
167 m²
Volume, LiDAR
886 m³
Parcel 24010A0237/00R002, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
UMiLo Consulting
since 20242.355.801.188
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24010A0237/00R002 | Flanders | 1,185 m² | 1 · 167 m² | 7.9 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 82,218 companies in sector 70200 we hold annual accounts for 52,396. 37,627 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-2024
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.