URBANIZE
ActiveSummary
URBANIZE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€74,932) and a net result of €204,884. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 8074 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
65 d early
2023
49 d early
2022
45 d early
2021
77 d early
2020
72 d early
2019
91 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 38 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€74,932▲ 73.2%
2024 · -€279,816
Net result
€204,884
2024 · -€43,337
Total assets
€50,175▼ 53.8%
2024 · €108,535
Solvency
-149.3%▲ 108.5pp
2024 · -257.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€34,449▼ 6.5%€109,445▲ 218%-€34,325-€49,525▼ 44.3%-€48,992▲ 1.1%
Net result€33,499within the sector's middle half▼ 6.1%€108,785above the sector's middle half▲ 225%-€29,805below the sector's middle half-€43,337below the sector's middle half▼ 45.4%€204,884above the sector's middle half
Equity-€315,459below the sector's middle half▲ 9.6%-€206,675below the sector's middle half▲ 34.5%-€236,479below the sector's middle half▼ 14.4%-€279,816below the sector's middle half▼ 18.3%-€74,932below the sector's middle half▲ 73.2%
Total assets€173,134within the sector's middle half▼ 3.4%€132,639within the sector's middle half▼ 23.4%€62,144below the sector's middle half▼ 53.1%€108,535below the sector's middle half▲ 74.7%€50,175below the sector's middle half▼ 53.8%
Debt€488,593▼ 7.5%€339,313▼ 30.6%€298,623▼ 12.0%€388,350▲ 30.0%€125,107▼ 67.8%
Working capital-€342,367▲ 0.8%-€162,060▲ 52.7%-€202,774▼ 25.1%-€306,132▼ 51.0%-€61,270▲ 80.0%
Solvency-182.2%below the sector's middle half▲ 12.5pp-155.8%below the sector's middle half▲ 26.4pp-380.5%below the sector's middle half▼ 224.7pp-257.8%below the sector's middle half▲ 122.7pp-149.3%below the sector's middle half▲ 108.5pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
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 €48,992 in 2025 against €49,525 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50,175
Fixed assets
€43,789 ▼ 55.2%
Current assets
€6,386 ▼ 40.3%
Key figures and ratios
ROA
408.3%▲
2024 · -39.9%
Debt ≤ 1 year
€67,656▼
2024 · €316,822
Debt > 1 year
€57,451▼
2024 · €71,528
Income taxes
-€149▼
2024 · €145
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,130 | €4,264 | €4,439 | €4,056 | €4,056 | = |
| Other operating charges640/8 | €1,183 | €1,506 | €692 | €668 | €1,248 | ▲ 86.8% |
| Gross operating margin9900 | €40,762 | €115,215 | -€29,195 | -€44,801 | -€43,688 | ▲ 2.5% |
| Operating profit (loss)9901 | €34,449 | €109,445 | -€34,325 | -€49,525 | -€48,992 | ▲ 1.1% |
| Financial income75/76B | €248 | €1,524 | €6,606 | €7,748 | €270,290 | ▲ 3,388% |
| Recurring financial income75 | €248 | €1,524 | €6,606 | €7,748 | €270,290 | ▲ 3,388% |
| Financial charges65/66B | €1,198 | €2,054 | €1,940 | €1,416 | €16,563 | ▲ 1,070% |
| Recurring financial charges65 | €1,198 | €2,054 | €1,940 | €1,416 | €1,265 | ▼ 10.6% |
| Non-recurring financial charges66B | - | - | - | - | €15,298 | - |
| Profit (loss) for the period before taxes9903 | €33,499 | €108,915 | -€29,659 | -€43,192 | €204,735 | ▲ 574% |
| Income taxes67/77 | - | €130 | €145 | €145 | -€149 | ▼ 203% |
| Profit (loss) for the period9904 | €33,499 | €108,785 | -€29,805 | -€43,337 | €204,884 | ▲ 573% |
| Profit (loss) for the period to be appropriated9905 | €33,499 | €108,785 | -€29,805 | -€43,337 | €204,884 | ▲ 573% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €173,134 | €132,639 | €62,144 | €108,535 | €50,175 | ▼ 53.8% |
| Formation expenses20 | - | €0 | €0 | €0 | €0 | - |
| Fixed assets21/28 | €124,086 | €56,340 | €51,901 | €97,845 | €43,789 | ▼ 55.2% |
| Tangible fixed assets22/27 | €123,831 | €16,818 | €12,380 | €8,324 | €4,267 | ▼ 48.7% |
| Land and buildings22 | €123,030 | - | - | - | - | - |
| Furniture and vehicles24 | €801 | €382 | €0 | €0 | €0 | - |
| Leasing and similar rights25 | - | €16,436 | €12,380 | €8,324 | €4,267 | ▼ 48.7% |
| Financial fixed assets28 | €255 | €39,521 | €39,521 | €89,521 | €39,521 | ▼ 55.9% |
| Current assets29/58 | €49,047 | €76,299 | €10,243 | €10,690 | €6,386 | ▼ 40.3% |
| Amounts receivable within one year40/41 | €5,888 | €9,465 | €2,251 | €7,230 | €3,136 | ▼ 56.6% |
| Trade receivables40 | €5,888 | €7,736 | €1,936 | €1,936 | €2,104 | ▲ 8.7% |
| Other amounts receivable41 | - | €1,729 | €315 | €5,294 | €1,031 | ▼ 80.5% |
| Cash at bank and in hand54/58 | €35,024 | €60,000 | €3,550 | - | €642 | - |
| Deferred charges and accrued income490/1 | €8,135 | €6,835 | €4,441 | €3,460 | €2,608 | ▼ 24.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €173,134 | €132,639 | €62,144 | €108,535 | €50,175 | ▼ 53.8% |
| Equity10/15 | -€315,459 | -€206,675 | -€236,479 | -€279,816 | -€74,932 | ▲ 73.2% |
| Contributions10/11 | €18,550 | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Profit (loss) carried forward14 | -€334,009 | -€225,225 | -€255,029 | -€298,366 | -€93,482 | ▲ 68.7% |
| Amounts payable17/49 | €488,593 | €339,313 | €298,623 | €388,350 | €125,107 | ▼ 67.8% |
| Amounts payable after more than one year17 | €97,178 | €100,955 | €85,606 | €71,528 | €57,451 | ▼ 19.7% |
| Financial debts170/4 | €96,998 | €100,955 | €85,606 | €71,528 | €57,451 | ▼ 19.7% |
| Other amounts payable178/9 | €180 | - | - | - | - | - |
| Amounts payable within one year42/48 | €391,415 | €238,359 | €213,017 | €316,822 | €67,656 | ▼ 78.6% |
| Current portion of amounts payable after more than one year42 | €10,778 | €12,807 | €12,947 | €13,090 | €13,235 | ▲ 1.1% |
| Trade debts44 | €36 | €13,153 | €1,681 | €2,115 | €1,573 | ▼ 25.6% |
| Suppliers440/4 | €36 | €13,153 | €1,681 | €2,115 | €1,573 | ▼ 25.6% |
| Taxes, remuneration and social security45 | €2,512 | €124 | €269 | €287 | €139 | ▼ 51.7% |
| Taxes450/3 | €2,512 | €124 | €269 | €287 | €139 | ▼ 51.7% |
| Other amounts payable47/48 | €378,089 | €212,275 | €198,119 | €301,330 | €52,709 | ▼ 82.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €33,499 | €108,785 | -€29,805 | -€43,337 | €204,884 | ▲ 573% |
| + Depreciation and write-downs630 | €5,130 | €4,264 | €4,439 | €4,056 | €4,056 | = |
| Operating cash flow (approximation) | €38,629 | €113,048 | -€25,366 | -€39,280 | €208,940 | ▲ 632% |
| Investment in fixed assets (approximation) | - | €63,483 | €0 | -€50,000 | €50,000 | ▲ 200% |
| Change in cash | - | €24,976 | -€56,450 | - | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €204,884
Net result €204,884 after 2 loss-making years.
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€43,337
Net result drops to -€43,337, the lowest in the series; recovery starts the following year.
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €35,674
Net result €35,674 after 2 loss-making years.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
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
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Berlare · 1 establishment unit since 2013
Ground area
819 m²
Building footprint
293 m²
Volume, LiDAR
2,169 m³
2 parcels, Flanders · tallest building 15.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Congreslaan 4, 9000 Gent
since 20132.223.317.402
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42003A0372/00G000 | Flanders | 614 m² | 1 · 146 m² | 7.6 m · 2 fl. |
| 44808H0093/00F002 | Flanders | 205 m² | 1 · 146 m² | 15.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-10-2013
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0540832408
Also
9925:BE0540832408
Registered
22-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.