URBA CONCEPT
ActiveURBA CONCEPT has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-2k) and a net result of €-14k. Equity is shrinking by ~17.4% per year across the filed fiscal years. Its solvency ranks better than 20% of 13936 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability29▼-7
Solvency25▼-3
Growth32=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 1.0 against 1.03 in 2024; short-term debt: 100.5% and cash: 2.9% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
-0.5%
Return on assets
-3.3%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year €-2k
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 08-06-2026, 53 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
53 d early
2024
51 d early
2023
19 d early
2022
28 d early
2021
30 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
Equity
€-2k
2024 · €12k
2021: €18k
2022: €16k
2023: €15k
2024: €12k
2021 → 2025
Total assets
€411k▲ 7.6%
2024 · €382k
2021: €193k
2022: €207k
2023: €385k
2024: €382k
2021 → 2025
Net result
€-14k▼ 397%
2024 · €-3k
2021: €-2k
2022: €-1k
2023: €-2k
2024: €-3k
2021 → 2025
Working capital
€-2k
2024 · €12k
2022: €207k
2023: €37k
2024: €12k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18k-€16k▼ 7.3%€15k▼ 11.3%€12k▼ 19.0%€-2k
Operating result€-2k-€-1k▲ 44.6%€-912▲ 27.7%€-3k▼ 185%€-13k▼ 418%
Net result€-2k-€-1k▲ 43.5%€-2k▼ 42.7%€-3k▼ 48.8%€-14k▼ 397%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13k in 2025 against €3k in 2024; the loss grows and 2025 has the lowest result in the available series.
Key figures and ratios
Solvency
-0.5%▼
2024 · 3.1%
Current ratio
1.00▼
2024 · 1.03
Quick ratio
0.03▲
2024 · 0.02
ROA
-3.3%▼
2024 · -0.7%
Debt
€413k▲
2024 · €370k
Debt ≤ 1 year
€413k▲
2024 · €370k
A ratio outside any meaningful range has been withheld (balance sheet total €411k, equity €-2k).
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€382k€411k▲
Current assets29/58€382k€411k▲
Stocks and contracts in progress3€375k€399k▲
Stocks30/36€375k€399k▲
Amounts receivable within one year40/41€443-
Other amounts receivable41€443-
Cash at bank and in hand54/58€6k€12k▲
Equity and liabilities
Total equity and liabilities10/49€382k€411k▲
Equity10/15€12k€-2k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-8k€-22k▼
Amounts payable17/49€370k€413k▲
Amounts payable within one year42/48€370k€413k▲
Trade debts44€457€21k▲
Suppliers440/4€457€21k▲
Taxes, remuneration and social security45-€2k
Taxes450/3-€2k
Other amounts payable47/48€369k€390k▲
Income statement
Code20242025
Other operating charges640/8€387€400▲
Gross operating margin9900€-2k€-13k▼
Operating profit (loss)9901€-3k€-13k▼
Financial charges65/66B€158€244▲
Recurring financial charges65€158€244▲
Profit (loss) for the period before taxes9903€-3k€-14k▼
Profit (loss) for the period9904€-3k€-14k▼
Profit (loss) for the period to be appropriated9905€-3k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-22k▼
Profit (loss) brought forward from the previous period14P€-5k€-8k▼
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
04-08
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 17/06/2026
- Registered-office move, Stockay 8 A 4845 JALHAY
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series.
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Jalhay · 1 establishment unit since 2020
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.
Stockay(SART) 84845 JalhayGround area
5,840 m²
Building footprint
172 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
URA CONCEPT
since 20202.302.510.576
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63068C0828/00R000 | Wallonia | 4,593 m² | - | - |
| 63068C0494/00P000 | Wallonia | 1,247 m² | 1 · 172 m² | - |
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.
Similar companies · same sector, comparable size
BUT THINES
BE 0707.924.905
Wavre · Eq €12k
BUDIMEX
BE 0778.260.494
Brussel · Eq €12k
SEM Properties
BE 0698.588.258
Kortrijk · Eq €12k
K.P. INVEST
BE 1003.414.817
Lummen · Eq €12k
MATSN
BE 1002.907.546
Alveringem · Eq €12k
Of 9,697 companies in sector 68121 we hold annual accounts for 7,378. 3,314 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-2020
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68122Development of non-residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:a_beauve@hotmail.com
Phone:+32497363591