Urban.be

Active

Private limited companyfounded 201312 yrs activeRue Saint-Bohy,Tintigny 63, 6730 Tintigny, BelgiumKBO/BCE: BE 0538.842.225

Urban.be has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €-8k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 23% of 6974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

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Checked score

Score 2025

44 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability28▼-20

Solvency42▼-3

Growth52▼-26

Track record100

Bankruptcy probability, 12 months

1.0% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days only on tighter terms

Liquidity tight (current ratio 1.13 against 1.11 in 2024; short-term debt: 62.2% and cash: 3.3% of total assets), and 83.3% of the assets are financed with debt.

How do we compute the score and the probability?

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

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

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 2025

Solvency, return and age of the figures

Solvency

16.7%

Return on assets

-3.1%

Age of the figures

18 mo

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 6974 sector peers (2025).

NBB · sector comparison

Position among 6974 sector peers

Solvency

better than 23%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

1 d early

2024

35 d late

2022

66 d early

2021

3 d early

2020

54 d late

2019

44 d early

2018

58 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.

Companies Code · seven months

Position in the running window

31-03-2026 close18-09-2026 today31-10-2026 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€41k▼ 15.8%

2024 · €48k

2018: €34k 2019: €35k 2020: €36k 2021: €33k 2022: €47k 2024: €48k

2018 → 2025

Total assets

€243k▲ 1.1%

2024 · €241k

2018: €82k 2019: €73k 2020: €91k 2021: €156k 2022: €232k 2024: €241k

2018 → 2025

Net result

€-8k

2024 · €1k

2018: €141 2019: €501 2020: €1k 2021: €-4k 2022: €14k 2024: €1k

2018 → 2025

Working capital

€20k▲ 22.7%

2024 · €16k

2018: €21k 2019: €22k 2020: €28k 2021: €8k 2022: €57k 2024: €16k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220242025Trend

Equity€36k-€33k▼ 10.1%€47k▲ 44.3%€48k▲ 2.7%€41k▼ 15.8%

Operating result€3k-€-2k€23k€11k▼ 51.6%€-3k

Net result€1k-€-4k€14k€1k▼ 91.2%€-8k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €3k after €11k in 2024, the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €243k

29.5%

70.5%

Fixed assets €72k▼ 2.8%

Current assets €171k▲ 2.8%

Equity and liabilities €243k

16.7%

83.3%

Equity €41k▼ 15.8%

Debt €203k▲ 5.4%

The debt ratio rises from 79.9% to 83.3%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€8k▼

2024 · €29k

Cash flow

€3k▼

2024 · €19k

Solvency

16.7%▼

2024 · 20.1%

Current ratio

1.13▲

2024 · 1.11

Quick ratio

0.13▼

2024 · 0.14

Debt / equity

4.98▲

2024 · 3.98

ROE

-18.8%▼

2024 · 2.6%

ROA

-3.1%▼

2024 · 0.5%

Interest coverage

1.63▼

2024 · 3.40

Debt

€203k▲

2024 · €192k

Debt ≤ 1 year

€151k▲

2024 · €150k

Debt > 1 year

€51k▲

2024 · €42k

Staff costs

€61k▼

2024 · €64k

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€241k€243k▲

Fixed assets21/28€74k€72k▼

Tangible fixed assets22/27€60k€58k▼

Furniture and vehicles24€13k€21k▲

Other tangible fixed assets26€47k€37k▼

Financial fixed assets28€14k€14k▲

Current assets29/58€167k€171k▲

Stocks and contracts in progress3€146k€151k▲

Stocks30/36€146k€151k▲

Amounts receivable within one year40/41€17k€11k▼

Trade receivables40€13k€11k▼

Other amounts receivable41€4k€44▼

Cash at bank and in hand54/58€3k€8k▲

Deferred charges and accrued income490/1€1k€2k▲

Equity and liabilities

Total equity and liabilities10/49€241k€243k▲

Equity10/15€48k€41k▼

Contributions10/11€30k€30k=

Reserves13€246€246=

Non-distributable reserves130/1€246€246=

Reserves not available under the articles1311€246€246=

Profit (loss) carried forward14€18k€10k▼

Amounts payable17/49€192k€203k▲

Amounts payable after more than one year17€42k€51k▲

Financial debts170/4€42k€51k▲

Amounts payable within one year42/48€150k€151k▲

Current portion of amounts payable after more than one year42€20k€29k▲

Financial debts43€27k-

Credit institutions430/8€27k-

Trade debts44€58k€81k▲

Suppliers440/4€58k€81k▲

Taxes, remuneration and social security45€26k€22k▼

Taxes450/3€15k€14k▼

Remuneration and social security454/9€10k€7k▼

Other amounts payable47/48€19k€19k▼

Income statement Code20242025

Remuneration, social security and pensions62€64k€61k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€11k▼

Other operating charges640/8€2k-

Non-recurring operating charges66A€438€1k▲

Gross operating margin9900€95k€71k▼

Operating profit (loss)9901€11k€-3k▼

Financial income75/76B€40€35▼

Recurring financial income75€40€35▼

Financial charges65/66B€8k€5k▼

Recurring financial charges65€8k€5k▼

Profit (loss) for the period before taxes9903€3k€-8k▼

Income taxes67/77€1k-

Profit (loss) for the period9904€1k€-8k▼

Profit (loss) for the period to be appropriated9905€1k€-8k▼

Appropriation of the result

Profit (loss) to be appropriated9906€18k€10k▼

Profit (loss) brought forward from the previous period14P€17k€18k▲

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 12Financial 2Filings 10

Next filing, fiscal year 2026, expected by 31-10-2026

2025

30-10

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

31-03

Financial Weakest financial yearnet €-8k ▼705%

Net result drops to €-8k, the lowest in the series.

2024

05-12

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 35 days late

2023

26-05

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Back to profitnet €14k

Net result €14k after one loss-making year.

28-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

23-09

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 54 days late

2020

17-06

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

27-09

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 58 days late

2018

29-11

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 121 days late

2017

18-09

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 49 days late

2016

06-10

NBB filing Annual accounts filed

fiscal year 2015 · full schema · 67 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

7 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, Tintigny · 2 establishment units since 2013

establishment All 2 establishment units on the map

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.

Rue Saint-Bohy,Tintigny 636730 Tintigny

Ground area

2.2 ha

Building footprint

247 m²

Volume, LiDAR

2,206 m³

3 parcels, Wallonia · tallest building 15.6 m, ±5 floors. Linked by address, not a title deed.

2 establishment units

PBLux.be

Rue de Bastogne 87, 6700 ArlonRetail trade

since 20132.237.554.923

PBLux.be

Rue Belle-Vue 56, 6740 EtalleOther printing

since 20212.321.489.914

3 parcels

Wallonia 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
85009A0954/00H000	Wallonia	1.5 ha	-	-
85039B0709/00G000	Wallonia	7,063 m²	1 · 174 m²	9.3 m · 2 fl.
81001A1236/00K005	Wallonia	402 m²	1 · 73 m²	15.6 m · 5 fl.