UROM
ActiveUROM has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €230k and a net result of €50k. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 33% of 3168 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
91
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+6
Solvency74▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 6.15 against 5.6 in 2024), but 66.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
33.1%
Return on assets
7.2%
Age of the figures
8 mo
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
5 d early
2023
22 d late
2022
18 d early
2021
22 d late
2020
11 d late
2019
26 d late
← 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
14-09-2026 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
€50k▲ 22.3%
2024 · €41k
2018: €29k
2019: €23k
2020: €41k
2021: €14k
2022: €25k
2023: €31k
2024: €41k
2018 → 2025
Working capital
€283k▲ 13.7%
2024 · €249k
2018: €79k
2019: €103k
2020: €144k
2021: €-166k
2022: €-128k
2023: €-76k
2024: €249k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€158k-€182k▲ 15.6%€213k▲ 16.8%€220k▲ 3.2%€230k▲ 4.8%
Operating result€23k-€40k▲ 75.3%€54k▲ 35.9%€70k▲ 29.6%€84k▲ 19.0%
Net result€14k-€25k▲ 76.8%€31k▲ 24.9%€41k▲ 34.5%€50k▲ 22.3%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 19% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €696k
Fixed assets
€358k▼ 6.0%
Current assets
€338k▲ 11.5%
Equity and liabilities €696k
Equity
€230k▲ 4.8%
Debt
€466k▲ 0.4%
The debt ratio falls from 67.9% to 66.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€109k▲
2024 · €95k
Cash flow
€75k▲
2024 · €66k
Solvency
33.1%▲
2024 · 32.1%
Current ratio
6.15▲
2024 · 5.60
Quick ratio
6.07▲
2024 · 5.42
Debt / equity
2.02▼
2024 · 2.11
ROE
21.9%▲
2024 · 18.8%
ROA
7.2%▲
2024 · 6.0%
Interest coverage
8.93▲
2024 · 7.94
Debt
€466k▲
2024 · €464k
Debt ≤ 1 year
€55k▲
2024 · €54k
Debt > 1 year
€384k▼
2024 · €392k
Income taxes
€24k▲
2024 · €19k
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€684k€696k▲
Fixed assets21/28€380k€358k▼
Tangible fixed assets22/27€380k€358k▼
Land and buildings22€372k€350k▼
Plant, machinery and equipment23€1k€707▼
Furniture and vehicles24€7k€7k▲
Current assets29/58€303k€338k▲
Amounts receivable after more than one year29€60k€28k▼
Other amounts receivable291€60k€28k▼
Stocks and contracts in progress3€10k€5k▼
Stocks30/36€10k€5k▼
Amounts receivable within one year40/41€21k€27k▲
Trade receivables40€20k€26k▲
Other amounts receivable41€1k€110▼
Current investments50/53€110k€200k▲
Cash at bank and in hand54/58€103k€80k▼
Equity and liabilities
Total equity and liabilities10/49€684k€696k▲
Equity10/15€220k€230k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€156k€166k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€149k€160k▲
Profit (loss) carried forward14€2k€2k=
Amounts payable17/49€464k€466k▲
Amounts payable after more than one year17€392k€384k▼
Financial debts170/4€392k€384k▼
Amounts payable within one year42/48€54k€55k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€7k-
Suppliers440/4€7k-
Taxes, remuneration and social security45€7k€12k▲
Taxes450/3€7k€12k▲
Other amounts payable47/48€33k€35k▲
Accrued charges and deferred income492/3€18k€27k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€25k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€526
Other operating charges640/8€4k€3k▼
Gross operating margin9900€98k€112k▲
Operating profit (loss)9901€70k€84k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€12k€12k▲
Recurring financial charges65€12k€12k▲
Profit (loss) for the period before taxes9903€61k€75k▲
Income taxes67/77€19k€24k▲
Profit (loss) for the period9904€41k€50k▲
Profit (loss) for the period to be appropriated9905€41k€50k▲
Appropriation of the result
Profit (loss) to be appropriated9906€43k€53k▲
Profit (loss) brought forward from the previous period14P€2k€2k▲
Transfer from equity791/2€35k€40k▲
Transfer to equity691/2€41k€50k▲
To other reserves6921€41k€50k▲
Profit to be distributed694/7€35k€40k▲
Return on contributions (dividend)694€35k€40k▲
The notes to these accounts (9 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €50k ▲22.3%
Operating result €84k, net result €50k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 7current ratio 5.60
Current ratio from 0.76 to 5.60; short-term debt falls from €323k to €54k.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
Financial
Equity above €200kEq €213k ▲16.8%
6 profitable years in a row build equity to €213k.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Weakest financial yearnet €14k ▼65.7%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €158k ▲9.7%
4 profitable years in a row build equity to €158k.
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 11 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 26 days late
2019
31-12
Financial
Equity above €100kEq €103k ▲29.2%
2 profitable years in a row build equity to €103k.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 8 days late
2017
08-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Kapellen · 1 establishment unit since 2004
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.
Hoevensebaan 2042950 KapellenGround area
10.8 ha
Building footprint
1,047 m²
Volume, LiDAR
14,291 m³
Parcel 11902E0040/00D000, Flanders · tallest building 18.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Urom
since 20042.142.239.852
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11902E0040/00D000 | Flanders | 10.8 ha | 1 · 1,047 m² | 17.9 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 39,142 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded24-03-2004
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.