URBAN
ActiveSummary
URBAN has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.24M and a net result of €208k. Equity is growing by ~17.5% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability44▲+4
Solvency66▲+7
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €200k at 30 days acceptable
Liquidity ample (current ratio 28.64 against 14.42 in 2024; short-term debt: 3.5% and cash: 3% of total assets), but 58.6% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
41.4%
Return on assets
2.7%
Age of the figures
9 mo
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
23 d early
2023
27 d early
2022
26 d early
2021
25 d early
2020
23 d early
2019
14 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€208k▲ 121%
2024 · €94k
Working capital
€7.54M▼ 8.8%
2024 · €8.26M
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€1.01M€1.14M▲ 13.4%€864k▼ 24.4%€309k▼ 64.2%€448k▲ 45.1%
Net result€640k€744k▲ 16.2%€469k▼ 36.9%€94k▼ 79.9%€208k▲ 121%
Equity€1.72M▲ 59.2%€2.46M▲ 43.2%€2.93M▲ 19.0%€3.03M▲ 3.2%€3.24M▲ 6.9%
Total assets€10.96M▲ 8.0%€10.03M▼ 8.4%€9.01M▼ 10.3%€8.88M▼ 1.4%€7.81M▼ 12.0%
Debt€9.24M▲ 1.9%€7.57M▼ 18.1%€6.07M▼ 19.8%€5.85M▼ 3.6%€4.58M▼ 21.8%
Working capital€10.11M▲ 5.7%€9.23M▼ 8.7%€8.92M▼ 3.3%€8.26M▼ 7.3%€7.54M▼ 8.8%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 45% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €7.81M
Equity
€3.24M ▲ 6.9%
Debt
€4.58M ▼ 21.8%
Debt's share of the balance-sheet total falls from 65.9% to 58.6%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
28.64▲
2024 · 14.42
Quick ratio
5.93▲
2024 · 3.88
Debt to equity
1.41▼
2024 · 1.93
ROE
6.4%▲
2024 · 3.1%
ROA
2.7%▲
2024 · 1.1%
Debt ≤ 1 year
€273k▼
2024 · €616k
Debt > 1 year
€4.29M▼
2024 · €5.19M
Income taxes
€71k▲
2024 · €32k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €4k | €121k | €61k | €167k | €106k | ▼ 36.9% |
| Gross operating margin9900 | €1.01M | €1.27M | €925k | €476k | €554k | ▲ 16.3% |
| Operating profit (loss)9901 | €1.01M | €1.14M | €864k | €309k | €448k | ▲ 45.1% |
| Financial income75/76B | €10 | €23k | €72k | €118k | €78k | ▼ 33.9% |
| Recurring financial income75 | €10 | €23k | €72k | €118k | €78k | ▼ 33.9% |
| Financial charges65/66B | €169k | €174k | €306k | €301k | €247k | ▼ 17.8% |
| Recurring financial charges65 | €169k | €174k | €306k | €301k | €247k | ▼ 17.8% |
| Profit (loss) for the period before taxes9903 | €840k | €993k | €630k | €126k | €279k | ▲ 121% |
| Income taxes67/77 | €200k | €249k | €161k | €32k | €71k | ▲ 121% |
| Profit (loss) for the period9904 | €640k | €744k | €469k | €94k | €208k | ▲ 121% |
| Profit (loss) for the period to be appropriated9905 | €640k | €744k | €469k | €94k | €208k | ▲ 121% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €10.96M | €10.03M | €9.01M | €8.88M | €7.81M | ▼ 12.0% |
| Fixed assets21/28 | €350 | - | - | - | - | - |
| Financial fixed assets28 | €350 | - | - | - | - | - |
| Current assets29/58 | €10.96M | €10.03M | €9.01M | €8.88M | €7.81M | ▼ 12.0% |
| Stocks and contracts in progress3 | €8.59M | €7.71M | €6.74M | €6.49M | €6.20M | ▼ 4.5% |
| Stocks30/36 | €8.59M | €7.71M | €6.74M | €6.49M | €6.20M | ▼ 4.5% |
| Amounts receivable within one year40/41 | €285k | €1.72M | €1.83M | €1.71M | €1.37M | ▼ 19.7% |
| Trade receivables40 | €283k | €215k | €411k | - | - | - |
| Other amounts receivable41 | €2k | €1.50M | €1.42M | €1.71M | €1.37M | ▼ 19.7% |
| Cash at bank and in hand54/58 | €2.09M | €610k | €427k | €677k | €238k | ▼ 64.8% |
| Deferred charges and accrued income490/1 | €215 | - | - | €4k | €4k | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €10.96M | €10.03M | €9.01M | €8.88M | €7.81M | ▼ 12.0% |
| Equity10/15 | €1.72M | €2.46M | €2.93M | €3.03M | €3.24M | ▲ 6.9% |
| Contributions10/11 | €675k | €675k | €675k | €675k | €675k | = |
| Capital10 | - | - | - | €675k | €675k | = |
| Issued capital100 | - | - | - | €675k | €675k | = |
| Reserves13 | €342k | €342k | €342k | €347k | €355k | ▲ 2.3% |
| Non-distributable reserves130/1 | €55k | €55k | €55k | €59k | €68k | ▲ 13.7% |
| Legal reserve130 | - | - | - | €5k | €68k | ▲ 1,332% |
| Reserves not available under the articles1311 | €55k | €55k | €55k | €55k | - | - |
| Distributable reserves133 | €288k | €288k | €288k | €288k | €288k | = |
| Profit (loss) carried forward14 | €704k | €1.45M | €1.92M | €2.01M | €2.21M | ▲ 10.0% |
| Amounts payable17/49 | €9.24M | €7.57M | €6.07M | €5.85M | €4.58M | ▼ 21.8% |
| Amounts payable after more than one year17 | €8.37M | €6.72M | €5.93M | €5.19M | €4.29M | ▼ 17.4% |
| Financial debts170/4 | €8.37M | €6.72M | €5.93M | €5.19M | €4.29M | ▼ 17.4% |
| Amounts payable within one year42/48 | €848k | €808k | €88k | €616k | €273k | ▼ 55.7% |
| Trade debts44 | €21k | €11k | - | €9k | €18k | ▲ 94.1% |
| Suppliers440/4 | €21k | €11k | - | €9k | €18k | ▲ 94.1% |
| Advances received on contracts in progress46 | €72k | - | - | €212k | €71k | ▼ 66.7% |
| Taxes, remuneration and social security45 | €100k | €219k | €81k | €154k | €44k | ▼ 71.2% |
| Taxes450/3 | €100k | €219k | €81k | €154k | €44k | ▼ 71.2% |
| Other amounts payable47/48 | €655k | €579k | €7k | €240k | €139k | ▼ 41.9% |
| Accrued charges and deferred income492/3 | €25k | €38k | €57k | €43k | €15k | ▼ 64.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €640k | €744k | €469k | €94k | €208k | ▲ 121% |
| Operating cash flow (approximation) | €640k | €744k | €469k | €94k | €208k | ▲ 121% |
| Change in cash | - | €-1.48M | €-182k | €249k | €-438k | ▼ 276% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity times 8current ratio 102.49
Current ratio from 12.42 to 102.49; short-term debt falls from €808k to €88k.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2019net €744k ▲16.2%
Operating result €1.14M, net result €744k, both a record.
31-12
Financial
Equity above €2MEq €2.46M ▲43.2%
2 profitable years in a row build equity to €2.46M.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €640k
Net result €640k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-69k
Net result drops to €-69k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
04-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 4 days late
2018
05-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 5 days late
2017
03-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
9 acts for this company are 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, Antwerpen
Ground area
4,953 m²
Building footprint
4,254 m²
Volume, LiDAR
64,385 m³
Parcel 11811L3665/00X000, Flanders · tallest building 29.2 m, ±6 floors. Linked by address, not a title deed.
24
companies at this address
See who is registered here
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3665/00X000 | Flanders | 4,953 m² | 1 · 4,254 m² | 29.2 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Part of the group
VOORUITZICHT
7 companies
Group, risk and exposure
Connections & network
No current directors or connected companies found in the register.
Ownership & control
1 parent companyControl over this companyparent company per the LEI register1
Antwerpen
controls
URBANBE 0442.356.028
Recognitions · licences · registrations
Legal Entity Identifier
699400DYQMWWBRELJA97
Identification & contact
Identification
Legal formPublic limited company
Founded26-10-1990
Fiscal year end31-12
Scores and ratios are computed by Checked and are not a credit decision.