URBANIQUE
ActiveURBANIQUE has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €60k and a net result of €-4k. Equity is shrinking by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 60% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability34▼-35
Solvency93▼-7
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.72 against 3.97 in 2023; short-term debt: 32.4% and cash: 15% of total assets), and 32.4% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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 2024Solvency, return and age of the figures
Solvency
67.6%
Return on assets
-4.8%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
29 d late
2022
21 d early
2021
44 d early
2020
29 d early
2019
14 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€60k▼ 6.6%
2023 · €64k
2018: €72k
2019: €75k
2020: €77k
2021: €48k
2022: €64k
2023: €64k
2018 → 2024
Total assets
€89k▲ 8.3%
2023 · €82k
2018: €72k
2019: €76k
2020: €80k
2021: €54k
2022: €76k
2023: €82k
2018 → 2024
Net result
€-4k▼ 3,559%
2023 · €-116
2018: €-20k
2019: €3k
2020: €2k
2021: €4k
2022: €17k
2023: €-116
2018 → 2024
Working capital
€50k▼ 5.9%
2023 · €53k
2018: €21k
2019: €43k
2020: €60k
2021: €31k
2022: €61k
2023: €53k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€77k-€48k▼ 37.9%€64k▲ 35.3%€64k▼ 0.2%€60k▼ 6.6%
Operating result€6k-€5k▼ 17.3%€20k▲ 283%€4k▼ 82.2%€-3k
Net result€2k-€4k▲ 146%€17k▲ 324%€-116€-4k▼ 3,559%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €3k after €4k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €89k
Fixed assets
€11k▼ 9.6%
Current assets
€78k▲ 11.3%
Equity and liabilities €89k
Equity
€60k▼ 6.6%
Debt
€29k▲ 62.6%
The debt ratio rises from 21.6% to 32.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€839▼
2023 · €5k
Cash flow
€-741▼
2023 · €2k
Solvency
67.6%▼
2023 · 78.4%
Current ratio
2.72▼
2023 · 3.97
Quick ratio
2.72▼
2023 · 3.97
Debt / equity
0.48▲
2023 · 0.28
ROE
-7.1%▼
2023 · -0.2%
ROA
-4.8%▼
2023 · -0.1%
Interest coverage
2.59▼
2023 · 7.24
Debt
€29k▲
2023 · €18k
Debt ≤ 1 year
€29k▲
2023 · €18k
Income taxes
€3k▼
2023 · €4k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€82k€89k▲
Fixed assets21/28€12k€11k▼
Intangible fixed assets21€9k€7k▼
Tangible fixed assets22/27€2k€3k▲
Furniture and vehicles24€2k€3k▲
Current assets29/58€70k€78k▲
Amounts receivable after more than one year29€11k€7k▼
Other amounts receivable291€11k€7k▼
Amounts receivable within one year40/41€47k€58k▲
Trade receivables40€14k€13k▼
Other amounts receivable41€33k€45k▲
Cash at bank and in hand54/58€12k€13k▲
Deferred charges and accrued income490/1€533€253▼
Equity and liabilities
Total equity and liabilities10/49€82k€89k▲
Equity10/15€64k€60k▼
Contributions10/11€19k€19k=
Reserves13€46k€44k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€44k€44k=
Profit (loss) carried forward14-€-3k
Amounts payable17/49€18k€29k▲
Amounts payable within one year42/48€18k€29k▲
Financial debts43€1k-
Credit institutions430/8€1k-
Trade debts44€14k€13k▼
Suppliers440/4€14k€13k▼
Advances received on contracts in progress46-€7k
Taxes, remuneration and social security45€2k€8k▲
Taxes450/3€2k€8k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€7k€3k▼
Operating profit (loss)9901€4k€-3k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€744€324▼
Recurring financial charges65€744€324▼
Profit (loss) for the period before taxes9903€4k€-943▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€-116€-4k▼
Profit (loss) for the period to be appropriated9905€-116€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-116€-4k▼
Transfer from equity791/2€116€2k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €17k ▲324%
Operating result €20k, net result €17k, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
2016
22-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Lokeren · 1 establishment unit since 1999
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.
Oscar Van Rumststraat 199160 LokerenGround area
358 m²
Building footprint
90 m²
Parcel 46383D3300/00N000, Flanders. Linked by address, not a title deed.
1 establishment unit
Oscar Van Rumststraat 19, 9160 Lokeren
since 19992.101.902.205
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46383D3300/00N000 | Flanders | 358 m² | 1 · 90 m² | - |
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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 509 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 509 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 39,017 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-1999
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.