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URBI

Active
Public limited companyfounded 200619 years activeRue des Hêtres(IVR) 17, 4400 Flémalle, BelgiumKBO/BCE: BE 0884.087.692
Summary

URBI has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €29,651 and a net result of -€9,356. Equity is shrinking by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 26% of 375 sector peers (NACE 47, fiscal year 2026). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Activity
Retail sale of hardware, building materials, paint and glass (general range)
NACE 47521
1 site
Size
€440,869total assets 2026
Staff
5.5 FTE
Equity
€29,651
Loss
-€9,356
Financial health
81 Excellent Checked score 2026
Bankruptcy probability, 12 months
0.3%
Structure
Parent
LAUREATUS · 98%
Accounts filed 9 days late0 of 5 deeds read
Why 81- Sector Retail trade (NACE 47)- Equity €29,651 (6.7% of total assets)+ Size: total assets €440,869+ Founded in 2006Show the evidence

Checked score

Score 2026
81 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 20% of its sector peers (NACE 47, micro)
Financial strength · tick = 2025
Weak
Solvency 32-4
equity 6.7% of total assets
Liquidity 16+8
short-term debt 73.2% · cash 4.4%
Profitability 24-8
return on assets -2.1%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,155 companies)
Last 24 months 11-2024: 2.5% 12-2024: 2.5%● unchanged vs 11-2024 01-2025: 2.5%● unchanged vs 12-2024 02-2025: 2.5%● unchanged vs 01-2025 03-2025: 2.5%● unchanged vs 02-2025 04-2025: 2.6%▲ +0.1 percentage points vs 03-2025 05-2025: 2.6%● unchanged vs 04-2025highest value 06-2025: 2.5%▼ -0.1 percentage points vs 05-2025 07-2025: 2.4%▼ -0.1 percentage points vs 06-2025 08-2025: 1.0%▼ -1.4 percentage points vs 07-2025 09-2025: 1.0%● unchanged vs 08-2025 10-2025: 1.0%● unchanged vs 09-2025 11-2025: 1.0%● unchanged vs 10-2025 12-2025: 1.0%● unchanged vs 11-2025 01-2026: 1.0%● unchanged vs 12-2025 02-2026: 1.0%● unchanged vs 01-2026 03-2026: 1.0%● unchanged vs 02-2026 04-2026: 1.0%● unchanged vs 03-2026 05-2026: 1.0%● unchanged vs 04-2026 06-2026: 1.0%● unchanged vs 05-2026 07-2026: 0.9%▼ -0.1 percentage points vs 06-2026 08-2026: 1.0%▲ +0.1 percentage points vs 07-2026 09-2026: 1.8%▲ +0.8 percentage points vs 08-2026 10-2026: 0.3%▼ -1.5 percentage points vs 09-2026lowest value
Credit up to €2,000 at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.03 in 2025; short-term debt: 73.2% and cash: 4.4% of total assets), and 93.3% of the assets are financed with debt.
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 47, micro): better than 24% on solvency, 15% on liquidity, 23% on profitability and 18% on growth.

The bankruptcy probability was computed on 06-10-2026 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.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €440,869
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
raises risk · Sector Retail trade (NACE 47)
KBO
raises risk · Equity €29,651 (6.7% of total assets)
NBB · annual accounts
lowers risk · Founded in 2006
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
neutral · Filed after the deadline
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 09-09-2026, 9 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 filings
Deviation from the deadline
2026
9 days late
2025
38 days early
2024
5 days early
2022
41 days early
2021
4 days early
2020
38 days early
2019
39 days early
← 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 22 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today. Usually files around 27 August (3 of the last 3 filed years within 34 days of that day).
Companies Code · seven months
Position in the running window
07-10-2026 today31-01-2027 close31-08-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2026 · abbreviated…
  2. General meeting · Other statementDirector appointment · Director reappointment
  3. Annual accounts filedfiscal year 2025 · full…

Key points

  • Controlled by LAUREATUS 98% View
  • Total assets 20266 fiscal years filed €440,869 View
  • Active since 2006founded 09-10-2006 19 years View

By topic

Financials

Fiscal year
2026
Total assets
€440,869
Loss
-€9,356
Solvency
6.7%
Total assets▲ 20.8%
Net result
20182026
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 31-08-2027
  1. 31-01-2025Back to profit
  2. 26-08-2024Annual accounts filed
  3. 31-01-2024Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Retail sale of hardware, building materials, paint and…NACE 47521
Founded
09-10-2006
Year ends
31-01
Peppol
Reachable for e-invoices
Go to Company details

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