URMETZ
ActiveURMETZ has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €225k and a net result of €53k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 36% of 862 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-18
Solvency52▲+9
Growth58=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.69 against 0.69 in 2024; short-term debt: 46.6% and cash: 2.6% of total assets), and 73.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
26.9%
Return on assets
6.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 filingsDeviation from the deadline
2025
20 d late
2024
28 d late
2023
61 d late
2022
64 d late
2021
22 d late
2020
10 d late
2019
14 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€53k▼ 73.4%
2024 · €200k
2018: €6k
2019: €69k
2020: €-366k
2021: €-83k
2022: €-14k
2023: €41k
2024: €200k
2018 → 2025
Working capital
€-122k▲ 21.8%
2024 · €-156k
2018: €-261k
2019: €-349k
2020: €-557k
2021: €-494k
2022: €-420k
2023: €-371k
2024: €-156k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-55k-€-69k▼ 25.9%€-28k▲ 58.9%€172k€225k▲ 31.0%
Operating result€-40k-€23k€64k▲ 179%€218k▲ 238%€61k▼ 72.1%
Net result€-83k-€-14k▲ 83.0%€41k€200k▲ 393%€53k▼ 73.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 72% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €836k
Fixed assets
€568k▼ 6.1%
Current assets
€268k▼ 22.5%
Equity and liabilities €836k
Equity
€225k▲ 31.0%
Provisions
€0▼ 100%
Debt
€611k▼ 21.3%
The debt ratio falls from 81.7% to 73.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€243k▼
2024 · €394k
Cash flow
€236k▼
2024 · €376k
Solvency
26.9%▲
2024 · 18.0%
Current ratio
0.69▼
2024 · 0.69
Quick ratio
0.69▼
2024 · 0.69
Debt / equity
2.72▼
2024 · 4.53
ROE
23.7%▼
2024 · 116.4%
ROA
6.4%▼
2024 · 21.0%
Interest coverage
25.19▲
2024 · 19.65
Debt
€611k▼
2024 · €777k
Debt ≤ 1 year
€390k▼
2024 · €501k
Debt > 1 year
€221k▼
2024 · €275k
Income taxes
€176▲
2024 · €140
Staff costs
€484k▼
2024 · €567k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€951k€836k▼
Fixed assets21/28€605k€568k▼
Intangible fixed assets21€124€0▼
Tangible fixed assets22/27€544k€507k▼
Land and buildings22€18k€12k▼
Plant, machinery and equipment23€39k€51k▲
Furniture and vehicles24€28k€144k▲
Leasing and similar rights25€458k€300k▼
Financial fixed assets28€61k€61k=
Current assets29/58€345k€268k▼
Amounts receivable within one year40/41€189k€242k▲
Trade receivables40€169k€225k▲
Other amounts receivable41€21k€17k▼
Current investments50/53€1k€1k=
Cash at bank and in hand54/58€128k€21k▼
Deferred charges and accrued income490/1€27k€3k▼
Equity and liabilities
Total equity and liabilities10/49€951k€836k▼
Equity10/15€172k€225k▲
Contributions10/11€359k€359k=
Capital10€359k€359k=
Issued capital100€359k€359k=
Reserves13€19k€15k▼
Non-distributable reserves130/1€15k€15k=
Legal reserve130€8k€8k=
Reserves not available under the articles1311€7k€7k=
Tax-exempt reserves132€5k-
Profit (loss) carried forward14€-207k€-149k▲
Provisions and deferred taxes16€2k-
Deferred taxes168€2k-
Amounts payable17/49€777k€611k▼
Amounts payable after more than one year17€275k€221k▼
Financial debts170/4€88k€41k▼
Other amounts payable178/9€187k€180k▼
Amounts payable within one year42/48€501k€390k▼
Current portion of amounts payable after more than one year42€183k€143k▼
Trade debts44€180k€174k▼
Suppliers440/4€180k€174k▼
Taxes, remuneration and social security45€138k€72k▼
Taxes450/3€30k€14k▼
Remuneration and social security454/9€109k€58k▼
Income statement
Code20242025
Remuneration, social security and pensions62€567k€484k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€176k€182k▲
Other operating charges640/8€42k€42k▲
Non-recurring operating charges66A€2k€8k▲
Gross operating margin9900€1.01M€777k▼
Operating profit (loss)9901€218k€61k▼
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B€20k€10k▼
Recurring financial charges65€20k€10k▼
Profit (loss) for the period before taxes9903€198k€51k▼
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€140€176▲
Profit (loss) for the period9904€200k€53k▼
Transfer from tax-exempt reserves789€5k€5k=
Profit (loss) for the period to be appropriated9905€204k€58k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-207k€-149k▲
Profit (loss) brought forward from the previous period14P€-411k€-207k▲
Social balance
Average headcount (FTE)908711.07.5▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 20 days late
2025
31-12
Financial
Equity above €200kEq €225k ▲31%
3 profitable years in a row build equity to €225k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €200k ▲393%
Operating result €218k, net result €200k, both a record.
31-12
Financial
Equity above €150kEq €172k
2 profitable years in a row build equity to €172k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 61 days late
2023
31-12
Financial
Back to profitnet €41k
Net result €41k after 3 loss-making years.
03-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 64 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 22 days late
2021
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 10 days late
2020
31-12
Financial
Weakest financial yearnet €-366k ▼630%
Net result drops to €-366k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Charleroi · 3 establishment units since 1985
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Place du Manège 126000 CharleroiGround area
3,019 m²
Building footprint
329 m²
Volume, LiDAR
633 m³
2 parcels, Wallonia · tallest building 13.4 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
Place du Manège 12, 6000 Charleroi
since 19852.028.264.654
Garage
since 19862.142.898.858
Garage
since 19862.142.898.957
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93071B0636/00B000 | Wallonia | 2,971 m² | 1 · 277 m² | - |
| 52011B0099/00Y000 | Wallonia | 47 m² | 1 · 52 m² | 13.4 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
RYTHME DU MONDE
BE 0893.882.615
Châtelet · Eq €225k
AKB LIMO
BE 0697.829.777
Sint-Jans-Molenbeek · Eq €225k
VOYAGES ROLAND VAN GYSEGHEM
BE 0445.666.302
Mons · Eq €226k
Compagnie Erasmus
BE 0413.570.485
Schilde · Eq €224k
Unitax
BE 0402.440.231
Liège · Eq €226k
Of 7,002 companies in sector 49320 we hold annual accounts for 2,712. 1,465 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-11-1985
Fiscal year end31-12
Activities, NACEBEL
49320Non-scheduled passenger transport by road
49390Land transport and transport via pipelines
60230
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.