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URBA CONCEPT

Active
Private limited companyfounded 2020active for 6 yearsStockay(SART) 8, 4845 Jalhay, BelgiumKBO/BCE: BE 0746.856.250
Summary

URBA CONCEPT has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€1,922) and a net result of -€13,711. Equity has been shrinking by about 17% per year since 2021. Its solvency ranks better than 20% of 17,119 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Overview

Official details

Source: KBO
Status
Active since 12-05-2020 Normal situation
Activity
Development of residential building projects NACE 68121and 1 other
Establishment unit
2.302.510.576 4845 Jalhay, since 12-05-2020
Financial year end
31 December
Peppol
Reachable since 23-12-2025

Board and ownership

Board
  • BEAUVE AmandineDirector · since 11-05-2020
  • KAISER FrançoisDirector · since 11-05-2020

Financial position

53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.9%
Annual accounts 2025
Gross margin
-€13,067
▼ 490%
Loss
€13,711
▲ 397%
Equity
-€1,922
Total assets
€410,792
▲ 7.6%
  • Negative equity on 31-12-2025
Turnover not published (micro format)
Filed on 08-06-2026, 53 days before the deadline
Score breakdownraises riskCapped at 59: negative equity1 change of registered office in 24 monthsNegative equity -€1,922lowers riskSize: total assets €410,792Sector: Real estate activities (NACE 68)Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 14% of micro companies in real estate (NACE 68)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Weak
Solvency 25-3
equity -0.5% of total assets
Liquidity 4+2
short-term debt 100.5% · cash 2.9%
Profitability 29-7
return on assets -3.3%
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,625 companies, NACE 68, micro)
Last 24 months 12-2024: 0.7% 01-2025: 0.7%● unchanged vs 12-2024 02-2025: 0.7%● unchanged vs 01-2025 03-2025: 0.7%● unchanged vs 02-2025 04-2025: 0.7%● unchanged vs 03-2025 05-2025: 0.7%● unchanged vs 04-2025 06-2025: 0.7%● unchanged vs 05-2025 07-2025: 0.4%▼ -0.3 percentage points vs 06-2025 08-2025: 0.4%● unchanged vs 07-2025 09-2025: 0.4%● unchanged vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.3%▼ -0.1 percentage points vs 10-2025 12-2025: 0.4%▲ +0.1 percentage points vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.4%● unchanged vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.3%▼ -0.1 percentage points vs 06-2026lowest value 08-2026: 0.3%● unchanged vs 07-2026 09-2026: 0.9%▲ +0.6 percentage points vs 08-2026highest value 10-2026: 0.9%● unchanged vs 09-2026 11-2026: 0.9%● unchanged vs 10-2026
No credit on open account
Liquidity is insufficient, with a current ratio of 1.0 (1.03 in 2024), below 1. Short-term debt is 100.5% and cash 2.9% of total assets. Equity is negative.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 19% of them on solvency, 7% on liquidity, 25% on profitability and 5% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
lowers risk · Size: total assets €410,792
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Sector: Real estate activities (NACE 68)
KBO
raises risk · Negative equity -€1,922
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
2122232425
2021 to 2025 · latest year -€1,922
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 filings
Deviation from the deadline
2025
53 days early
2024
51 days early
2023
19 days early
2022
28 days early
2021
30 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 5 accounts on average 24 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 3 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€1,922 View
  • Risk: 5 loss-making years in a rowloss in financial year 2025 -€13,711 View
  • Caution: Less equity than 80% of companies in real estatesector median €73,313 · 17,134 companies -€1,922 View
  • Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View

Comparable companies

These companies have the same main activity as URBA CONCEPT: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €306,000 and €522,000, founded between 2019 and 2020.

CompanyTotal assetsGross margin
URBA CONCEPT Jalhay€410,792-€13,067
DESDEL Liège€382,572-€12,259
XLG Réalisation Liège€522,332-€9,450
P.B.J. IMMO Ferrières€306,347-€3,943
VINGIO Kapelle-op-den-Bos€414,956-€5,567
NOUVEAUX JARDINS Ukkel€401,859-€47,015
Groene Poort Building Hasselt€416,083-€7,775
Full comparison

Key facts about URBA CONCEPT

What is the company number of URBA CONCEPT?
The company number of URBA CONCEPT is 0746.856.250. The VAT number is the same number with BE in front: BE 0746.856.250.
Where is URBA CONCEPT based?
The registered office is at Stockay(SART) 8, 4845 Jalhay.Company details
What does URBA CONCEPT do?
According to the KBO register, the main activity is development of residential building projects (NACE 68121).
What is the legal form of URBA CONCEPT?
The legal form of URBA CONCEPT is Private limited company (BV).
When was URBA CONCEPT founded?
URBA CONCEPT was founded on 12-05-2020.
Is URBA CONCEPT still active?
Yes, URBA CONCEPT is an active enterprise in the KBO register.
What is the turnover of URBA CONCEPT?
The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
Is URBA CONCEPT profitable?
In financial year 2025, URBA CONCEPT made a loss of €13,711.
Where can I find the annual accounts of URBA CONCEPT?
URBA CONCEPT filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of URBA CONCEPT due?
URBA CONCEPT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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