UMOR
ActiveSummary
The computed 12-month bankruptcy probability of UMOR is 2.4% (moderate). The 2025 annual accounts show equity of €16k and a net result of €5k. Its solvency ranks better than 53% of 27786 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+32
Solvency75▲+25
Growth78
Track record82
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.0 against 1.34 in 2024; short-term debt: 50% and cash: 35.8% of total assets), and 50% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 · 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
50%
Return on assets
15.6%
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 · 2 filingsDeviation from the deadline
2025
31 d late
2024
12 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
€16k▲ 45.1%
2024 · €11k
2024: €11k
2024 → 2025
Total assets
€32k▼ 26.2%
2024 · €44k
2024: €44k
2024 → 2025
Net result
€5k▲ 336%
2024 · €1k
2024: €1k
2024 → 2025
Working capital
€16k▲ 45.1%
2024 · €11k
2024: €11k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€11k-€16k▲ 45.1%
Operating result€2k-€7k▲ 352%
Net result€1k-€5k▲ 336%
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 352% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €32k
Equity
€16k ▲ 45.1%
Debt
€16k ▼ 50.6%
Debt's share of the balance-sheet total falls from 74.6% to 50.0%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
2.00▲
2024 · 1.34
Debt to equity
1.00▼
2024 · 2.93
ROE
31.1%▲
2024 · 10.4%
ROA
15.6%▲
2024 · 2.6%
Debt ≤ 1 year
€16k▼
2024 · €33k
Income taxes
€2k▲
2024 · €331
Staff costs
€38k▲
2024 · €24k
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 · 33 lines
Balance sheet
Code20242025
Assets
Total assets20/58€44k€32k▼
Current assets29/58€44k€32k▼
Amounts receivable within one year40/41€25k€17k▼
Trade receivables40€4k€795▼
Other amounts receivable41€21k€16k▼
Cash at bank and in hand54/58€12k€12k▼
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€44k€32k▼
Equity10/15€11k€16k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€1k€6k▲
Amounts payable17/49€33k€16k▼
Amounts payable within one year42/48€33k€16k▼
Trade debts44€26k€11k▼
Suppliers440/4€26k€11k▼
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€433€2k▲
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€5k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€24k€38k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€29k€47k▲
Operating profit (loss)9901€2k€7k▲
Financial income75/76B€1€28▲
Recurring financial income75€1€28▲
Financial charges65/66B€29€94▲
Recurring financial charges65€29€94▲
Profit (loss) for the period before taxes9903€1k€7k▲
Income taxes67/77€331€2k▲
Profit (loss) for the period9904€1k€5k▲
Profit (loss) for the period to be appropriated9905€1k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€6k▲
Profit (loss) brought forward from the previous period14P-€1k
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
NBB filing
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, Diest · 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.
Hasseltsebaan 303290 DiestGround area
153 m²
Building footprint
153 m²
Volume, LiDAR
707 m³
Parcel 24019B0277/00L000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
UMOR
since 20242.358.907.168
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24019B0277/00L000 | Flanders | 153 m² | 1 · 153 m² | 7.0 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.
Similar companies · same sector, comparable size
Govaerts
BE 0740.989.730
Temse · Eq €14,723
Klusjesdienst.net
BE 0749.483.069
Ravels · Eq €14,485
D&S Workgroup
BE 0778.362.741
Oostende · Eq €14,257
Dry Home Solutions
BE 0630.958.274
Ieper · Eq €18,600
TOITURE LIÉNARD
BE 0845.987.181
Ittre · Eq €14,029
Of 366 companies in sector 43421 we hold annual accounts for 203. 135 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
Founded29-04-2024
Fiscal year end31-12
Activities, NACEBEL 2025
43421Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.