URBAN SYSTEM
ActiveThe computed 12-month bankruptcy probability of URBAN SYSTEM is 4.9% (elevated). The 2025 annual accounts show negative equity (€-5k) and a net result of €-3k. Equity is shrinking by ~145.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 18237 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
24
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record94
Bankruptcy probability, 12 months
4.9%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 2025Age of the figures
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year €-5k
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 28-07-2026, 3 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
3 d early
2024
21 d early
2023
12 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-5k▼ 152%
2024 · €-2k
2023: €731
2024: €-2k
2023 → 2025
Total assets
€1k▲ 14.6%
2024 · €1k
2023: €5k
2024: €1k
2023 → 2025
Net result
€-3k▼ 10.4%
2024 · €-3k
2023: €231
2024: €-3k
2023 → 2025
Working capital
€-5k▼ 100%
2024 · €-2k
2023: €-276
2024: €-2k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€731-€-2k€-5k▼ 152%
Operating result€326-€-3k€-3k▼ 7.3%
Net result€231-€-3k€-3k▼ 10.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €3k in 2024; the loss grows and 2025 has the lowest result in the available series.
Key figures and ratios
EBITDA
€-2k▼
2024 · €-2k
Cash flow
€-2k▼
2024 · €-2k
Interest coverage
-28.51
Debt
€6k▲
2024 · €3k
Debt ≤ 1 year
€6k▲
2024 · €3k
Ratios withheld: a balance sheet total of €1k is too small for a meaningful ratio.
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€1k€1k▲
Formation expenses20€552€97▼
Current assets29/58€491€1k▲
Amounts receivable within one year40/41€459€151▼
Trade receivables40€0-
Other amounts receivable41€459€151▼
Cash at bank and in hand54/58€32€948▲
Equity and liabilities
Total equity and liabilities10/49€1k€1k▲
Equity10/15€-2k€-5k▼
Contributions10/11€500€500=
Reserves13€231€231=
Distributable reserves133€231€231=
Profit (loss) carried forward14€-3k€-6k▼
Amounts payable17/49€3k€6k▲
Amounts payable within one year42/48€3k€6k▲
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€65€0▼
Taxes450/3€65€0▼
Other amounts payable47/48€2k€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€455€455=
Other operating charges640/8€387€512▲
Gross operating margin9900€-2k€-2k▼
Operating profit (loss)9901€-3k€-3k▼
Financial charges65/66B€0€84▲
Recurring financial charges65€0€84▲
Profit (loss) for the period before taxes9903€-3k€-3k▼
Income taxes67/77€0-
Profit (loss) for the period9904€-3k€-3k▼
Profit (loss) for the period to be appropriated9905€-3k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-6k▼
Profit (loss) brought forward from the previous period14P-€-3k
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (1 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Dilsen-Stokkem · 1 establishment unit since 2023
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.
Nieuwe Weerd 83650 Dilsen-StokkemGround area
1,130 m²
Building footprint
223 m²
Volume, LiDAR
1,053 m³
Parcel 73081C0801/00A000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Nieuwe Weerd 8, 3650 Dilsen-Stokkem
since 20232.343.214.251
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73081C0801/00A000 | Flanders | 1,130 m² | 1 · 223 m² | 7.7 m · 2 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.
Similar companies · same sector, comparable size
SHREE
BE 0760.607.682
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phagwara
BE 0666.751.175
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RITAJ
BE 0787.361.668
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S.I.P.
BE 0720.663.676
Antwerpen · Eq €711
ELYAMS
BE 0787.306.438
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 610 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-03-2023
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
71112Activities of interior architects
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.