URSUS GROUP

Active

Private limited companyfounded 20197 yrs activeDuffelsesteenweg 81, 2550 Kontich, BelgiumKBO/BCE: BE 0731.765.624

URSUS GROUP has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €19k. Equity is shrinking by ~11% per year across the filed fiscal years. Its solvency ranks better than 23% of 1966 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

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Checked score

Score 2025

48 / 100

Fair▼ -8 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency19▲+4

Growth58=

Stability100

Bankruptcy probability, 12 months

0.5% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity short (current ratio 0.99 against 0.91 in 2024), and 87.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 90

Relative position

BE, all sectors

reference

Sector 90

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

12.3%

Return on assets

27.4%

Age of the figures

8 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 1966 sector peers (2025).

NBB · sector comparison

Position among 1966 sector peers

Solvency

better than 23%

← weakest strongest →

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

NBB · annual accounts 2025

Equity per financial year

202122232425

2020 to 2025 · latest year €8k

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-02-2026, 177 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

177 d early

2024

20 d early

2023

28 d early

2022

24 d early

2021

33 d early

2020

3 d late

← before the deadline after the deadline →

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 months

Position in the running window

12-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, micro schema

Equity

€8k▲ 5.7%

2024 · €8k

2020: €13k 2021: €29k 2022: €44k 2023: €4k 2024: €8k

2020 → 2025

Total assets

€69k▼ 20.7%

2024 · €87k

2020: €28k 2021: €70k 2022: €70k 2023: €89k 2024: €87k

2020 → 2025

Net result

€19k▼ 21.1%

2024 · €24k

2020: €9k 2021: €16k 2022: €15k 2023: €24k 2024: €24k

2020 → 2025

Working capital

€-510▲ 93.1%

2024 · €-7k

2020: €4k 2021: €39k 2022: €36k 2023: €-9k 2024: €-7k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€29k-€44k▲ 52.8%€4k▼ 91.0%€8k▲ 100%€8k▲ 5.7%

Operating result€23k-€19k▼ 17.4%€30k▲ 55.7%€32k▲ 6.2%€24k▼ 24.3%

Net result€16k-€15k▼ 6.4%€24k▲ 53.1%€24k▲ 2.1%€19k▼ 21.1%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 24% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €69k

13.0%

87.0%

Fixed assets €9k▼ 41.7%

Current assets €60k▼ 16.2%

Equity and liabilities €69k

12.3%

87.7%

Equity €8k▲ 5.7%

Debt €61k▼ 23.4%

The debt ratio falls from 90.8% to 87.7%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€32k▼

2024 · €38k

Cash flow

€26k▼

2024 · €30k

Solvency

12.3%▲

2024 · 9.2%

Current ratio

0.99▲

2024 · 0.91

Quick ratio

0.99▲

2024 · 0.91

Debt / equity

7.16▼

2024 · 9.87

ROE

223.4%▼

2024 · 299.3%

ROA

27.4%▼

2024 · 27.5%

Interest coverage

541.72▲

2024 · 160.76

Debt

€61k▼

2024 · €79k

Debt ≤ 1 year

€61k▼

2024 · €79k

Income taxes

€5k▼

2024 · €9k

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€87k€69k▼

Fixed assets21/28€15k€9k▼

Tangible fixed assets22/27€15k€9k▼

Plant, machinery and equipment23€9k€6k▼

Furniture and vehicles24€7k€3k▼

Current assets29/58€72k€60k▼

Amounts receivable within one year40/41€47k€43k▼

Trade receivables40€47k€41k▼

Other amounts receivable41-€2k

Cash at bank and in hand54/58€24k€17k▼

Deferred charges and accrued income490/1€320€326▲

Equity and liabilities

Total equity and liabilities10/49€87k€69k▼

Equity10/15€8k€8k▲

Contributions10/11€4k€4k=

Profit (loss) carried forward14€4k€4k▲

Amounts payable17/49€79k€61k▼

Amounts payable within one year42/48€79k€61k▼

Trade debts44€2k€3k▲

Suppliers440/4€2k€3k▲

Taxes, remuneration and social security45€7k€5k▼

Taxes450/3€7k€5k▼

Other amounts payable47/48€70k€53k▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲

Other operating charges640/8€2k€2k▲

Gross operating margin9900€40k€34k▼

Operating profit (loss)9901€32k€24k▼

Financial income75/76B€1k€1▼

Recurring financial income75€1k€1▼

Financial charges65/66B€235€58▼

Recurring financial charges65€235€58▼

Profit (loss) for the period before taxes9903€33k€24k▼

Income taxes67/77€9k€5k▼

Profit (loss) for the period9904€24k€19k▼

Profit (loss) for the period to be appropriated9905€24k€19k▼

Appropriation of the result

Profit (loss) to be appropriated9906€24k€23k▼

Profit (loss) brought forward from the previous period14P€4€4k▲

Profit to be distributed694/7€20k€19k▼

Return on contributions (dividend)694€20k€19k▼

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 2Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

04-02

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

11-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2020net €24k ▲2.1%

Operating result €32k, net result €24k, both a record.

03-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

07-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

28-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-12

Financial Liquidity doublescurrent ratio 2.57

Current ratio from 1.28 to 2.57.

03-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 3 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Kontich · 1 establishment unit since 2019

establishment The establishment unit on the map

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.

Duffelsesteenweg 812550 Kontich

Ground area

101 m²

Building footprint

101 m²

Volume, LiDAR

713 m³

Parcel 11602C0177/00A011, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

URSUS GROUP

Duffelsesteenweg 81, 2550 KontichWholesale of electrical household appliances and audio-video equipment

since 20192.293.358.330

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11602C0177/00A011	Flanders	100 m²	1 · 100 m²	10.9 m · 3 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.

Similar companies · same sector, comparable size

TANKER

BE 0897.840.215

Sint-Jans-Molenbeek · Eq €9k

B6 - CREATIVE INVESTOR CLUB

BE 0552.842.491

Elsene · Eq €9k

Of 666 companies in sector 90392 we hold annual accounts for 204. 114 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded01-08-2019

Fiscal year end31-12

Activities, NACEBEL

90022Arts creation and performing arts activities

90392Design and construction of stages and sets

74909Other professional, scientific and technical activities

74999Other professional, scientific and technical activities

90393Specialised image, lighting and sound technical services

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.