Urban Trading

Active

Private limited companyfounded 2021active for 5 yearsWayezstraat 109, 1070 Anderlecht, BelgiumKBO/BCE: BE 0763.406.826

Summary

The computed 12-month bankruptcy probability of Urban Trading is 5.0% (elevated). The 2025 annual accounts show equity of €42,092 and a net result of €14,208. Equity is growing by about 36% per year across the filed financial years. Its solvency ranks better than 71% of 4,746 sector peers (NACE 56, financial year 2025). The company has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

Urban TradingActiveChecked score 39/100

Risk analysis Report Compare

Activity

Limited-service restaurants, excluding mobile food services

NACE 56112

1 site

Size

€323,060turnover 2025

Equity: €42,092
Profit: €14,208

Financial health

39 Weak Checked score 2025

Bankruptcy probabilitywithin 12 months: 5.0%

Structure

Accounts filed 17 days late0 of 3 deeds read

Why 39raises riskSize: turnover €323,060, total assets €82,578Sector: Food and beverage service activities (NACE 56)Founded in 2021Latest accounts 17 days late; 2 of the last 3 lateShow the evidence

Checked score

Score 2025

39 / 100

Weak

Probability in this band: 4.2% to 15.0%

Financially better than 56% of its sector peers (NACE 56, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 76+4

equity 51.0% of total assets

Liquidity 36=

short-term debt 48.8% · cash 8.2%

Profitability 76+9

return on assets 17.2%

Bankruptcy probability, 12 months

5.0% Elevated

0%0.5%1.5%4%10%≥ 25%

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.8% (23,755 companies, NACE 56, micro)

Last 24 months 11-2024: 2.9% 12-2024: 2.9%● unchanged vs 11-2024 01-2025: 2.9%● unchanged vs 12-2024 02-2025: 2.8%▼ -0.1 percentage points vs 01-2025lowest value 03-2025: 3.1%▲ +0.3 percentage points vs 02-2025 04-2025: 3.1%● unchanged vs 03-2025 05-2025: 3.2%▲ +0.1 percentage points vs 04-2025 06-2025: 3.3%▲ +0.1 percentage points vs 05-2025 07-2025: 3.4%▲ +0.1 percentage points vs 06-2025 08-2025: 4.1%▲ +0.7 percentage points vs 07-2025 09-2025: 4.6%▲ +0.5 percentage points vs 08-2025 10-2025: 5.8%▲ +1.2 percentage points vs 09-2025 11-2025: 6.0%▲ +0.2 percentage points vs 10-2025 12-2025: 6.0%● unchanged vs 11-2025 01-2026: 6.0%● unchanged vs 12-2025 02-2026: 5.9%▼ -0.1 percentage points vs 01-2026 03-2026: 6.3%▲ +0.4 percentage points vs 02-2026 04-2026: 6.3%● unchanged vs 03-2026 05-2026: 6.3%● unchanged vs 04-2026 06-2026: 6.3%● unchanged vs 05-2026 07-2026: 6.2%▼ -0.1 percentage points vs 06-2026 08-2026: 6.7%▲ +0.5 percentage points vs 07-2026highest value 09-2026: 5.1%▼ -1.6 percentage points vs 08-2026 10-2026: 5.0%▼ -0.1 percentage points vs 09-2026

Credit of up to €1,500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms

Liquidity ample (current ratio 1.83, compared with 1.57 in 2024, above the usual 1.5; short-term debt: 48.8% and cash: 8.2% of total assets), and 49% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro): better than 69% on solvency, 31% on liquidity, 59% on profitability and 67% on growth.

The bankruptcy probability was computed on 23-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

raises riskneutral

Size: turnover €323,060, total assets €82,578

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Sector: Food and beverage service activities (NACE 56)

KBO

Founded in 2021

Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.

KBO

Latest accounts 17 days late; 2 of the last 3 late

NBB · filings

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 5 filings

Deviation from the deadline

2025

17 days late

2024

90 days late

2023

61 days late

2022

17 days early

2021

19 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 26 days after the deadline; the sector median (NACE 56) for financial year 2024 is 7 days after the deadline, and 53% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 17 August (4 of the last 5 filed years within 45 days of that day).

Companies Code · seven months

Where today falls in the filing period

24-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

17-08-2026 Annual accounts filedfinancial year 2025 · abbreviated…
31-12-2025 Highest result from 2021 to 2025net €14,208 ▲177%
29-10-2025 Annual accounts filedfinancial year 2024 · micro…

Key points

Positive: 4 years of growth in a rowturnover 2025: €323,060 4 years View
Turnover 20255 financial years filed €323,060 View
Active since 2021founded 09-02-2021 5 years View

By topic

Financials

Financial year: 2025
Turnover: €323,060
Profit: €14,208
Solvency: 51.0%

Turnover▲ 2.5%

Net result

20212025

Go to Financials

Timeline

Events: 6
Since: 2022
Next accounts: by 31-07-2027

30-09-2024Annual accounts filed
14-07-2023Annual accounts filed
12-07-2022Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Limited-service restaurants, excluding mobile food servicesNACE 56112
Founded: 09-02-2021
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about Urban Trading

What is the company number of Urban Trading?: 0763.406.826. In Belgium the VAT number is the company number with BE in front: BE 0763.406.826.
Where is Urban Trading based?: The registered office is at Wayezstraat 109, 1070 Anderlecht.Company details
What does Urban Trading do?: According to the KBO register, the main activity is limited-service restaurants, excluding mobile food services (NACE 56112).
What is the legal form of Urban Trading?: Private limited company (BV).
When was Urban Trading founded?: On 09-02-2021.
Is Urban Trading still active?: Yes, Urban Trading is an active enterprise in the KBO register.
What is the turnover of Urban Trading?: €323,060 in financial year 2025, according to the filed annual accounts.Financials
Is Urban Trading profitable?: In financial year 2025, Urban Trading made a profit of €14,208.
Where can I find the annual accounts of Urban Trading?: Urban Trading filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Urban Trading due?: By 31-07-2027, for financial year 2026.Timeline