URBAN COFFEE
ActiveSummary
URBAN COFFEE has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11k and a net result of €-2k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 85% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 7.71 against 10.43 in 2024; short-term debt: 10.8% and cash: 6.1% of total assets), and 14.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
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
85.2%
Return on assets
-16.9%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
28 d early
2023
2 d early
2022
7 d early
2021
8 d late
2020
54 d late
2019
14 d late
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€11k▼ 16.6%
2024 · €14k
2018: €9k
2019: €11k
2020: €13k
2021: €13k
2022: €10k
2023: €10k
2024: €14k
2018 → 2025
Total assets
€13k▼ 10.4%
2024 · €15k
2018: €24k
2019: €26k
2020: €26k
2021: €25k
2022: €19k
2023: €14k
2024: €15k
2018 → 2025
Net result
€-2k
2024 · €4k
2018: €2k
2019: €2k
2020: €2k
2021: €-566
2022: €-2k
2023: €-166
2024: €4k
2018 → 2025
Working capital
€10k▼ 18.7%
2024 · €12k
2018: €4k
2019: €10k
2020: €11k
2021: €9k
2022: €8k
2023: €8k
2024: €12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€10k▼ 20.8%€10k▼ 1.7%€14k▲ 38.7%€11k▼ 16.6%
Operating result€-711-€-2k▼ 183%€6€4k▲ 71,831%€-2k
Net result€-566-€-2k▼ 276%€-166▲ 92.2%€4k€-2k
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 €2k after €4k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13k
Fixed assets
€2k ▲ 30.5%
Current assets
€11k ▼ 15.6%
Equity and liabilities €13k
Equity
€11k ▼ 16.6%
Debt
€2k ▲ 55.7%
Debt's share of the balance-sheet total rises from 8.5% to 14.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-1k▼
2024 · €4k
Cash flow
€-1k▼
2024 · €4k
Current ratio
7.71▼
2024 · 10.43
Quick ratio
1.82▼
2024 · 4.62
Debt to equity
0.17▲
2024 · 0.09
ROE
-19.8%▼
2024 · 27.9%
ROA
-16.9%▼
2024 · 25.5%
Interest coverage
-6.81▼
2024 · 27.16
Debt ≤ 1 year
€1k▲
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€15k€13k▼
Fixed assets21/28€2k€2k▲
Tangible fixed assets22/27€2k€2k▲
Plant, machinery and equipment23€1,000€2k▲
Furniture and vehicles24€668€635▼
Current assets29/58€13k€11k▼
Stocks and contracts in progress3€7k€8k▲
Stocks30/36€7k€8k▲
Amounts receivable within one year40/41€3k€2k▼
Trade receivables40€2k€2k▼
Other amounts receivable41€506-
Cash at bank and in hand54/58€3k€810▼
Deferred charges and accrued income490/1€183€145▼
Equity and liabilities
Total equity and liabilities10/49€15k€13k▼
Equity10/15€14k€11k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-6k€-8k▼
Amounts payable17/49€1k€2k▲
Amounts payable within one year42/48€1k€1k▲
Trade debts44€692€1k▲
Suppliers440/4€692€1k▲
Taxes, remuneration and social security45€572€67▼
Taxes450/3€572€67▼
Accrued charges and deferred income492/3-€525
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€529€832▲
Other operating charges640/8€3k€1k▼
Gross operating margin9900€8k€132▼
Operating profit (loss)9901€4k€-2k▼
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€165€181▲
Recurring financial charges65€165€181▲
Profit (loss) for the period before taxes9903€4k€-2k▼
Profit (loss) for the period9904€4k€-2k▼
Profit (loss) for the period to be appropriated9905€4k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-8k▼
Profit (loss) brought forward from the previous period14P€-10k€-6k▲
The notes to these accounts (5 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €-2k ▼159%
Net result drops to €-2k, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after 3 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 10.43
Current ratio from 2.87 to 10.43; short-term debt falls from €5k to €1k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
23-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 54 days late
2020
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Genesius-Rode · 2 establishment units since 2010
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.
Driesbosstraat 961640 Sint-Genesius-RodeGround area
1,658 m²
Building footprint
393 m²
Volume, LiDAR
2,816 m³
2 parcels, Brussels, Flanders · tallest building 14.9 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Manchesterstraat 32, 1080 Sint-Jans-Molenbeek
since 20102.192.095.971
Driesbosstraat 96, 1640 Sint-Genesius-Rode
since 20152.253.578.432
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22552F0009/00F053 | Flanders | 980 m² | 1 · 142 m² | 7.2 m · 2 fl. |
| 21523B0939/00M043 | Brussels | 678 m² | 1 · 251 m² | 14.9 m · 3 fl. |
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
BVKfé
BE 0849.897.667
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MR. BEANY
BE 0692.790.925
Beveren · Eq €10,526
THE NEW TEA COLLECTION
BE 0473.301.503
Ranst · Eq €10,239
AUX SAVEURS DU MONDE
BE 0454.391.253
Tubize · Eq €9,973
Cordesa Belgium
BE 0460.754.651
Elsene · Eq €13,526
Of 406 companies in sector 46370 we hold annual accounts for 210. 86 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-06-2010
Fiscal year end31-12
Activities, NACEBEL 2025
46370Wholesale trade
46389Wholesale of other food products
47210Retail sale of fruit and vegetables
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.