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URBIZ

Active
Private limited companyfounded 20224 yrs activeMiddelburgstraat 66, 1170 Watermaal-Bosvoorde, BelgiumKBO/BCE: BE 0782.489.003
Summary

The computed 12-month bankruptcy probability of URBIZ is 1.7% (moderate). The 2025 annual accounts show negative equity (-€89,508) and a net result of -€33,239. Equity is shrinking by ~87.8% per year across the filed fiscal years. Its solvency ranks better than 6% of 8127 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
URBIZActiveChecked score 53/100
Risk analysis ReportCompare

Overview

Activity
Public relations and communication consultancy
NACE 73300NACE 70210
1 site
Size
€89,720total assets 2025
Equity
-€89,508
Loss
-€33,239
Turnover not published (abridged schema)
Financial health
53 Fair Checked score 2025
Bankruptcy chance 12 m
1.7%
Structure
Accounts on time0 of 3 deeds read
Why 53- Negative equity -€89,508- Loss of €33,239, the second in a row (FY 2025)+ Sector Advertising, market research and public relations activities (NACE 73)+ Size: total assets €89,720Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 12% of its sector peers (NACE 73, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 0=
equity -99.8% of total assets
Liquidity 2-4
short-term debt 197.3% · cash 1.8%
Profitability 50+50
return on assets -37.0%
Bankruptcy probability, 12 months
1.7% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (11,123 companies)
Last 24 months 11-2024: 2.6% 12-2024: 2.7%▲ +0.8% vs 11-2024 01-2025: 2.7%● 0.0% vs 12-2024 02-2025: 2.7%● 0.0% vs 01-2025 03-2025: 2.7%● 0.0% vs 02-2025 04-2025: 2.7%▲ +3.0% vs 03-2025highest value 05-2025: 2.7%▼ -2.2% vs 04-2025 06-2025: 2.6%▼ -1.5% vs 05-2025 07-2025: 2.7%▲ +1.1% vs 06-2025 08-2025: 2.6%▼ -1.6% vs 07-2025 09-2025: 2.6%● 0.0% vs 08-2025 10-2025: 2.6%● 0.0% vs 09-2025 11-2025: 2.3%▼ -11.1% vs 10-2025 12-2025: 1.5%▼ -34.5% vs 11-2025 01-2026: 1.5%▼ -2.2% vs 12-2025 02-2026: 1.5%▼ -0.2% vs 01-2026 03-2026: 1.5%▼ -2.3% vs 02-2026 04-2026: 1.4%▼ -1.5% vs 03-2026lowest value 05-2026: 1.5%▲ +6.8% vs 04-2026 06-2026: 1.6%▲ +2.0% vs 05-2026 07-2026: 1.6%▲ +2.4% vs 06-2026 08-2026: 1.7%▲ +3.1% vs 07-2026 09-2026: 1.7%● 0.0% vs 08-2026 10-2026: 1.7%● 0.0% vs 09-2026
  • Negative equity -€89,508 raises the probability
  • Sector Advertising, market research and public relations activities (NACE 73) lowers the probability
  • Size: total assets €89,720 lowers the probability for this profile
  • Loss of €33,239, the second in a row (FY 2025) raises the probability
No credit on open account
Liquidity short (current ratio 0.1 against 0.15 in 2024; short-term debt: 197.3% and cash: 1.8% of total assets), and equity is negative.
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 73, micro). Better than this share of them on solvency 5%, liquidity 3%, profitability 29%, growth against the median 11%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Negative equity -€89,508
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Sector Advertising, market research and public relations activities (NACE 73)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Size: total assets €89,720
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Loss of €33,239, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
22232425
2022 to 2025 · latest year -€89,508
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 31-07-2026, 0 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
on the day
2024
30 d early
2023
19 d early
2022
28 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 5 days before the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% 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. Usually files around 22 July (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 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 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Weakest financial yearnet -€41,752

Key points

  • Risk: Negative equityfiscal year 2025: debts exceed assets -€89,508 View
  • Risk: 4 loss-making years in a rowloss fiscal year 2025 -€33,239 View
  • Caution: Among the weakest 5% on net resultsector median €14,534 · 8,126 companies -€33,239 View

By topic

Financials

Fiscal year
2025
Total assets
€89,720
Loss
-€33,239
Solvency
-99.8%
Total assets▼ 41.9%
Net result
20222025
Go to Financials

Timeline

Events
5
Since
2023
Next accounts
by 31-07-2027
  1. 31-07-2026Annual accounts filed
  2. 01-07-2025Annual accounts filed
  3. 31-12-2024Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Public relations and communication consultancyNACE 73300
Founded
22-02-2022
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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