URBANISSIMO
ActiveURBANISSIMO has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €-13k. Equity is shrinking by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 49% of 9369 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency92▼-8
Growth32=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.81 against 2.28 in 2024), and 46.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
53.5%
Return on assets
-23.7%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
202122232425
2020 to 2025 · latest year -€13k
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 · 6 filingsDeviation from the deadline
2025
3 d early
2024
21 d early
2023
1 d early
2022
11 d late
2021
23 d early
2020
26 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€30k▼ 30.7%
2024 · €43k
2020: €46k
2021: €62k
2022: €72k
2023: €55k
2024: €43k
2020 → 2025
Total assets
€56k▼ 14.9%
2024 · €66k
2020: €78k
2021: €101k
2022: €98k
2023: €83k
2024: €66k
2020 → 2025
Net result
€-13k▼ 18.2%
2024 · €-11k
2020: €45k
2021: €16k
2022: €10k
2023: €-18k
2024: €-11k
2020 → 2025
Working capital
€21k▼ 26.8%
2024 · €29k
2020: €41k
2021: €54k
2022: €70k
2023: €38k
2024: €29k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€62k-€72k▲ 16.8%€55k▼ 24.5%€43k▼ 20.6%€30k▼ 30.7%
Operating result€23k-€16k▼ 32.7%€-17k€-11k▲ 32.3%€-12k▼ 8.0%
Net result€16k-€10k▼ 34.2%€-18k€-11k▲ 36.6%€-13k▼ 18.2%
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 €12k in 2025 against €11k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €56k
Fixed assets
€9k▼ 38.4%
Current assets
€47k▼ 8.4%
Equity and liabilities €56k
Equity
€30k▼ 30.7%
Debt
€26k▲ 15.2%
The debt ratio rises from 34.3% to 46.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-11k▼
2024 · €-9k
Cash flow
€-12k▼
2024 · €-9k
Solvency
53.5%▼
2024 · 65.7%
Current ratio
1.81▼
2024 · 2.28
Quick ratio
1.56▼
2024 · 1.99
Debt / equity
0.87▲
2024 · 0.52
ROE
-44.3%▼
2024 · -26.0%
ROA
-23.7%▼
2024 · -17.0%
Interest coverage
-5.74▲
2024 · -8.37
Debt
€26k▲
2024 · €23k
Debt ≤ 1 year
€26k▲
2024 · €23k
Income taxes
€290▼
2024 · €304
Staff costs
€9k▲
2024 · €321
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€66k€56k▼
Fixed assets21/28€14k€9k▼
Tangible fixed assets22/27€14k€9k▼
Furniture and vehicles24€5k€3k▼
Assets under construction and advance payments27€10k€6k▼
Current assets29/58€52k€47k▼
Stocks and contracts in progress3€7k€7k=
Stocks30/36€7k€7k=
Amounts receivable within one year40/41€45k€40k▼
Trade receivables40€23k€36k▲
Other amounts receivable41€22k€4k▼
Cash at bank and in hand54/58€0-
Deferred charges and accrued income490/1€92€396▲
Equity and liabilities
Total equity and liabilities10/49€66k€56k▼
Equity10/15€43k€30k▼
Contributions10/11€1k€1k=
Reserves13€71k€71k=
Distributable reserves133€71k€71k=
Profit (loss) carried forward14€-29k€-42k▼
Amounts payable17/49€23k€26k▲
Amounts payable within one year42/48€23k€26k▲
Financial debts43€5k€3k▼
Credit institutions430/8€5k€3k▼
Trade debts44€3k€8k▲
Suppliers440/4€3k€8k▲
Taxes, remuneration and social security45€15k€15k▼
Taxes450/3€11k€13k▲
Remuneration and social security454/9€4k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€321€9k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€-8k€129▲
Operating profit (loss)9901€-11k€-12k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€-11k€-13k▼
Income taxes67/77€304€290▼
Profit (loss) for the period9904€-11k€-13k▼
Profit (loss) for the period to be appropriated9905€-11k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-29k€-42k▼
Profit (loss) brought forward from the previous period14P€-18k€-29k▼
The notes to these accounts (6 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
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-18k ▼271%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · 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 2019
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
URBANISSIMO
since 20192.289.670.845
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.
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PARADIGMS
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Of 16,811 companies in sector 62100 we hold annual accounts for 8,749. 6,325 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-05-2019
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
71113Urban planning and landscape architecture
71112Activities of interior architects
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.