URBAN CONCEPT
ActiveURBAN CONCEPT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €88k and a net result of €-13k. Equity is growing by ~29.7% per year across the filed fiscal years. Its solvency ranks better than 57% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▼-72
Solvency67▼-28
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 3.23 against 3.68 in 2024; short-term debt: 22.4% and cash: 11.4% of total assets), but 57.5% 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.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
42.5%
Return on assets
-6.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
26 d late
2024
55 d late
2023
2 d early
2022
on the day
2021
24 d late
2020
1 d early
2019
30 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€88k▼ 13.0%
2024 · €101k
2018: €-21k
2019: €-22k
2020: €28k
2021: €49k
2022: €79k
2023: €86k
2024: €101k
2018 → 2025
Total assets
€208k▲ 42.4%
2024 · €146k
2018: €147k
2019: €125k
2020: €114k
2021: €91k
2022: €153k
2023: €151k
2024: €146k
2018 → 2025
Net result
€-13k
2024 · €17k
2018: €-35k
2019: €-1k
2020: €50k
2021: €23k
2022: €31k
2023: €9k
2024: €17k
2018 → 2025
Working capital
€104k▲ 42.5%
2024 · €73k
2018: €-122k
2019: €24k
2020: €10k
2021: €20k
2022: €51k
2023: €51k
2024: €73k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€79k▲ 59.7%€86k▲ 9.7%€101k▲ 17.3%€88k▼ 13.0%
Operating result€34k-€44k▲ 30.7%€14k▼ 68.0%€23k▲ 59.8%€-14k
Net result€23k-€31k▲ 34.0%€9k▼ 70.0%€17k▲ 78.8%€-13k
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 €14k after €23k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €208k
Fixed assets
€57k▲ 25.3%
Current assets
€150k▲ 50.2%
Equity and liabilities €208k
Equity
€88k▼ 13.0%
Debt
€119k▲ 169%
The debt ratio rises from 30.4% to 57.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-3k▼
2024 · €40k
Cash flow
€-2k▼
2024 · €34k
Solvency
42.5%▼
2024 · 69.6%
Current ratio
3.23▼
2024 · 3.68
Quick ratio
3.23▼
2024 · 3.49
Debt / equity
1.35▲
2024 · 0.44
ROE
-15.0%▼
2024 · 16.4%
ROA
-6.4%▼
2024 · 11.4%
Interest coverage
-0.59▼
2024 · 22.08
Debt
€119k▲
2024 · €44k
Debt ≤ 1 year
€46k▲
2024 · €27k
Debt > 1 year
€71k▲
2024 · €16k
Income taxes
€231▼
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€146k€208k▲
Formation expenses20-€0
Fixed assets21/28€46k€57k▲
Tangible fixed assets22/27€43k€57k▲
Plant, machinery and equipment23€2k€885▼
Furniture and vehicles24€38k€56k▲
Other tangible fixed assets26€3k-
Financial fixed assets28€3k-
Current assets29/58€100k€150k▲
Stocks and contracts in progress3€5k-
Stocks30/36€5k-
Amounts receivable within one year40/41€78k€126k▲
Trade receivables40€15k€630▼
Other amounts receivable41€63k€126k▲
Cash at bank and in hand54/58€16k€24k▲
Deferred charges and accrued income490/1€1k€452▼
Equity and liabilities
Total equity and liabilities10/49€146k€208k▲
Equity10/15€101k€88k▼
Contributions10/11€19k€19k=
Reserves13€83k€83k=
Distributable reserves133€83k€83k=
Profit (loss) carried forward14-€-13k
Amounts payable17/49€44k€119k▲
Amounts payable after more than one year17€16k€71k▲
Financial debts170/4€16k€71k▲
Amounts payable within one year42/48€27k€46k▲
Current portion of amounts payable after more than one year42€10k€28k▲
Trade debts44€752€8k▲
Suppliers440/4€752€8k▲
Taxes, remuneration and social security45€15k€10k▼
Taxes450/3€15k€10k▼
Other amounts payable47/48€2k-
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Non-recurring operating income76A€1k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€11k▼
Other operating charges640/8€593€3k▲
Non-recurring operating charges66A-€3k
Gross operating margin9900€41k€3k▼
Operating profit (loss)9901€23k€-14k▼
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€23k€-13k▼
Income taxes67/77€7k€231▼
Profit (loss) for the period9904€17k€-13k▼
Profit (loss) for the period to be appropriated9905€17k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€-13k▼
Transfer to equity691/2€15k-
To other reserves6921€15k-
Profit to be distributed694/7€2k-
Return on contributions (dividend)694€2k-
The notes to these accounts (13 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
31-12
Financial
Equity above €100kEq €101k ▲17.3%
5 profitable years in a row build equity to €101k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €50k
Net result €50k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 30 days late
2019
31-12
Financial
Liquidity times 16current ratio 1.24
Current ratio from 0.08 to 1.24; short-term debt falls from €132k to €97k.
24-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 24 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 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, Edegem · 1 establishment unit since 2017
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.
Jozef de Veusterstraat 892650 EdegemGround area
428 m²
Building footprint
139 m²
Volume, LiDAR
9 m³
Parcel 11013A0304/00L003, Flanders · tallest building 6.4 m. Linked by address, not a title deed.
1 establishment unit
Urban Food
since 20172.264.114.315
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11013A0304/00L003 | Flanders | 427 m² | 1 · 138 m² | 6.4 m |
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.
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In De Radijs
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Euro - Fruits
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Of 3,831 companies in sector 47210 we hold annual accounts for 965. 787 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-03-2017
Fiscal year end31-12
Activities, NACEBEL
47210Retail sale of fruit and vegetables
47810Retail trade
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:kristoffcools@icloud.com
Phone:0485543145