Skip to content

URBI

Active
Public limited companyfounded 200619 yrs 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 25% of 368 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch ReportCompare
URBIActiveChecked score 81/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of hardware, building materials, paint and glass (general range)
NACE 47521NACE 52461NACE 52462
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 chance 12 m
0.3%
Structure
Parent
LAUREATUS · 98%
Accounts filed 9 d 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%
Better than 20% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
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% (40,156 companies)
Last 24 months 11-2024: 2.5% 12-2024: 2.5%● 0.0% vs 11-2024 01-2025: 2.5%● 0.0% vs 12-2024 02-2025: 2.5%● 0.0% vs 01-2025 03-2025: 2.5%● 0.0% vs 02-2025 04-2025: 2.6%▲ +1.4% vs 03-2025 05-2025: 2.6%▲ +2.7% vs 04-2025highest value 06-2025: 2.5%▼ -3.9% vs 05-2025 07-2025: 2.4%▼ -4.7% vs 06-2025 08-2025: 1.0%▼ -59.7% vs 07-2025 09-2025: 1.0%● 0.0% vs 08-2025 10-2025: 1.0%● 0.0% vs 09-2025 11-2025: 1.0%● 0.0% vs 10-2025 12-2025: 1.0%▲ +1.6% vs 11-2025 01-2026: 1.0%● 0.0% vs 12-2025 02-2026: 1.0%▲ +1.0% vs 01-2026 03-2026: 1.0%● 0.0% vs 02-2026 04-2026: 1.0%▼ -0.6% vs 03-2026 05-2026: 1.0%▲ +3.0% vs 04-2026 06-2026: 1.0%▼ -2.6% vs 05-2026 07-2026: 0.9%▼ -5.4% vs 06-2026 08-2026: 1.0%▲ +5.2% vs 07-2026 09-2026: 1.8%▲ +80.9% vs 08-2026 10-2026: 0.3%▼ -81.5% vs 09-2026lowest value
  • Size: total assets €440,869 lowers the probability for this profile
  • Sector Retail trade (NACE 47) raises the probability
  • Equity €29,651 (6.7% of total assets) raises the probability
  • Founded in 2006 lowers the probability for this profile
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 comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 24%, liquidity 15%, profitability 23%, growth against the median 18%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €440,869
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Sector Retail trade (NACE 47)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Equity €29,651 (6.7% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 2006
In the bankruptcy model this factor lowers the probability for this 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 d late
2025
38 d early
2024
5 d early
2022
41 d early
2021
4 d early
2020
38 d early
2019
39 d 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
05-10-2026 today31-01-2027 close31-08-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
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. 09-09-2026Annual accounts filed
  2. 11-05-2026General meeting · Other statement
  3. 24-07-2025Annual accounts filed
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

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure