URBAN ACT
ActiveURBAN ACT has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111k and a net result of €8k. Equity is growing by ~20.3% per year across the filed fiscal years. Its solvency ranks better than 48% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▼-23
Solvency79▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.86 against 2.29 in 2024; short-term debt: 23.1% and cash: 0% of total assets), and 45.9% 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○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 →
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
54.1%
Return on assets
3.7%
Age of the figures
9 mo
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
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
12 d late
2024
112 d early
2023
20 d early
2022
25 d early
2021
33 d early
2020
11 d early
2019
53 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€232k
EBIT margin
22.7%
Net result
€8k▼ 48.0%
2024 · €15k
2018: €-11k
2019: €30k
2020: €13k
2021: €57k
2022: €41k
2023: €13k
2024: €15k
2018 → 2025
Working capital
€88k▲ 8.9%
2024 · €81k
2018: €-20k
2019: €8k
2020: €16k
2021: €57k
2022: €72k
2023: €81k
2024: €81k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€232k
Equity€78k-€96k▲ 23.0%€103k▲ 7.8%€103k▼ 0.1%€111k▲ 7.4%
Operating result€80k-€53k▼ 33.8%€22k▼ 58.3%€27k▲ 22.4%€20k▼ 26.7%
Net result€57k-€41k▼ 27.8%€13k▼ 67.1%€15k▲ 8.5%€8k▼ 48.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 27% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €204k
Fixed assets
€69k▼ 6.3%
Current assets
€135k▼ 5.8%
Equity and liabilities €204k
Equity
€111k▲ 7.4%
Debt
€94k▼ 18.0%
The debt ratio falls from 52.6% to 45.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€24k▼
2024 · €32k
Cash flow
€12k▼
2024 · €20k
Solvency
54.1%▲
2024 · 47.4%
Current ratio
2.86▲
2024 · 2.29
Quick ratio
2.86▲
2024 · 2.29
Debt / equity
0.85▼
2024 · 1.11
ROE
6.9%▼
2024 · 14.2%
ROA
3.7%▼
2024 · 6.7%
Interest coverage
3.65▼
2024 · 6.56
Debt
€94k▼
2024 · €114k
Debt ≤ 1 year
€47k▼
2024 · €63k
Debt > 1 year
€46k▼
2024 · €52k
Income taxes
€5k▼
2024 · €7k
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€217k€204k▼
Fixed assets21/28€74k€69k▼
Tangible fixed assets22/27€74k€69k▼
Land and buildings22€71k€68k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€2k€996▼
Current assets29/58€143k€135k▼
Amounts receivable after more than one year29€102k€102k=
Other amounts receivable291€102k€102k=
Amounts receivable within one year40/41€36k€32k▼
Trade receivables40€25k€9k▼
Other amounts receivable41€11k€23k▲
Cash at bank and in hand54/58€5k€74▼
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€217k€204k▼
Equity10/15€103k€111k▲
Contributions10/11€6k€6k=
Reserves13€97k€104k▲
Distributable reserves133€97k€104k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€114k€94k▼
Amounts payable after more than one year17€52k€46k▼
Financial debts170/4€52k€46k▼
Amounts payable within one year42/48€63k€47k▼
Current portion of amounts payable after more than one year42€5k€5k▲
Financial debts43€20k€10k▼
Credit institutions430/8€20k€10k▼
Trade debts44€11k€17k▲
Suppliers440/4€11k€17k▲
Taxes, remuneration and social security45€8k€12k▲
Taxes450/3€8k€12k▲
Other amounts payable47/48€18k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€2k€2k▲
Gross operating margin9900€34k€27k▼
Operating profit (loss)9901€27k€20k▼
Financial income75/76B€13€8▼
Recurring financial income75€13€8▼
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€22k€13k▼
Income taxes67/77€7k€5k▼
Profit (loss) for the period9904€15k€8k▼
Profit (loss) for the period to be appropriated9905€15k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€8k▼
Transfer from equity791/2€12k€0▼
Transfer to equity691/2€12k€8k▼
To other reserves6921€12k€8k▼
Profit to be distributed694/7€15k€0▼
Return on contributions (dividend)694€12k€0▼
Directors or managers695€3k€0▼
The notes to these accounts (7 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
10-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €103k ▲7.8%
5 profitable years in a row build equity to €103k.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €57k ▲330%
Operating result €80k, net result €57k, both a record.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.12
Current ratio from 0.40 to 1.12.
12-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 43 days late
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Mechelen · 1 establishment unit since 2015
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.
Draaibankstraat 432800 MechelenGround area
126 m²
Building footprint
80 m²
Volume, LiDAR
779 m³
Parcel 12403D0317/00R002, Flanders · tallest building 15.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Urban Act
since 20152.237.079.821
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12403D0317/00R002 | Flanders | 126 m² | 1 · 80 m² | 15.5 m · 4 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 1,728 EUR awarded · 1,728 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 714 EUR | 714 EUR |
| 2022 | 1 | 1,014 EUR | 1,014 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 40,757 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-12-2014
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.