Financials
- Financial year
- 2026
- Total assets
- €1.0m
- Profit
- €14,272
- Solvency
- 33.7%
Total assets▼ 0.4%
Net result
20182026
URBIGENA
ActiveSummary
URBIGENA has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €342,968 and a net result of €14,272. Equity is growing by about 4.6% per year across the filed financial years. Its solvency ranks better than 54% of 490 sector peers (NACE 47, financial year 2026). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Activity
Retail trade
NACE 47527Retail sale of hardware, building materials, paint and glass (general range) NACE 47521
1 site
Size
€1.0mtotal assets 2026
- Staff
- 7.2 FTE
- Equity
- €342,968
- Profit
- €14,272
Why 92raises riskSector: Retail trade (NACE 47)lowers riskSize: total assets €1.0mFounded in 2009Figures for financial year 2026 (filed 09-09-2026)Show the evidence
Checked score
Score 2026
92
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 41% of its sector peers (NACE 47, micro)
Financial strength · tick = 2025
Average
Solvency
59+2
equity 33.7% of total assets
Liquidity
25=
short-term debt 57.7% · cash 3.9%
Profitability
57+3
return on assets 1.4%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 1.0%
12-2024: 1.0%● unchanged vs 11-2024
01-2025: 1.0%● unchanged vs 12-2024
02-2025: 1.0%● unchanged vs 01-2025
03-2025: 1.0%● unchanged vs 02-2025
04-2025: 1.0%● unchanged vs 03-2025
05-2025: 1.1%▲ +0.1 percentage points vs 04-2025highest value
06-2025: 1.0%▼ -0.1 percentage points vs 05-2025
07-2025: 1.0%● unchanged vs 06-2025
08-2025: 0.1%▼ -0.9 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.2%▲ +0.1 percentage points vs 06-2026
08-2026: 0.2%● unchanged vs 07-2026
09-2026: 0.5%▲ +0.3 percentage points vs 08-2026
10-2026: 0.1%▼ -0.4 percentage points vs 09-2026lowest value
Credit of up to €30,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.34, compared with 1.27 in 2025, below the usual 1.5; short-term debt: 57.7% and cash: 3.9% of total assets), and 66.3% of the assets are financed with debt and provisions.
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 49% on solvency, 22% on liquidity, 40% on profitability and 50% on growth.
The bankruptcy probability was computed on 26-10-2026 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).
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.
lowers riskraises risk
raises risk · 2026 accounts filed 9 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2026
9 days late
2025
38 days early
2024
5 days early
2022
45 days early
2021
45 days early
2020
45 days early
2019
28 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 28 days before the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today. The company usually files around 27 August (3 of the last 3 filed years within 34 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
27-10-2026 today31-01-2027 year end31-08-2027 deadline
- Annual accounts filedfinancial year 2026 · abbreviated…
- Annual accounts filedfinancial year 2025 · micro…
- Back to profitnet €7,241
Key points
By topic
Board & ownership
- Board
- 2 members
- Parent
- LAUREATUS · 98%
- LAUREATUSManaging director
- VIVUSManaging director
Network & group
- Connected companies
- 4
Timeline
- Events
- 22
- Since
- 2011
- Next accounts
- by 31-08-2027
- 26-08-2024Annual accounts filed
- 04-07-2023Resignations: Christine DUFOUR, VIVUS and LAUREATUS
- 16-06-2023Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Retail tradeNACE 47527
- Founded
- 14-07-2009
- Year ends
- 31-01
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 40
See the provisions in the deeds
Go to Articles of associationKey facts about URBIGENA
- What is the company number of URBIGENA?
- 0817.069.503. In Belgium the VAT number is the company number with BE in front: BE 0817.069.503.
- Where is URBIGENA based?
- The registered office is at Rue des Hêtres(IVR) 17, 4400 Flémalle.Company details
- What does URBIGENA do?
- According to the KBO register, the main activity is retail trade (NACE 47527).
- What is the legal form of URBIGENA?
- Public limited company (NV).
- When was URBIGENA founded?
- On 14-07-2009.
- Is URBIGENA still active?
- Yes, URBIGENA is an active enterprise in the KBO register.
- How many employees does URBIGENA have?
- On average 7.2 full-time equivalents in financial year 2026, according to the filed annual accounts.Financials
- What is the turnover of URBIGENA?
- Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
- Is URBIGENA profitable?
- In financial year 2026, URBIGENA made a profit of €14,272.
- Where can I find the annual accounts of URBIGENA?
- URBIGENA filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
- When are the next annual accounts of URBIGENA due?
- By 31-08-2027, for financial year 2027.Timeline
Companies related to URBIGENA
Parent and group
- LAUREATUS98%
Shareholders
- STRENA98%
Comparable companies
- KEMLANDZoersel
- OFF SITE BELGIUMTemse
- GERVI ANTWERPENWijnegem
- MAENEZedelgem
- EASYKIT WESTRotselaar
Go further with this company
How much credit can you give this customer, and on what payment terms?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.