UTILIA
ActiveSummary
UTILIA has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9k and a net result of €578. Equity is shrinking by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 26% of 630 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+70
Solvency41▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.61 against 1.69 in 2024; short-term debt: 61.2% and cash: 76.8% of total assets), but 83.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
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
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
31 d early
2023
5 d late
2022
33 d early
2021
27 d early
2020
29 d early
2019
53 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€9k▲ 7.2%
2024 · €8k
2018: €22k
2019: €15k
2020: €25k
2021: €21k
2022: €13k
2023: €19k
2024: €8k
2018 → 2025
Total assets
€53k▲ 9.1%
2024 · €48k
2018: €96k
2019: €53k
2020: €58k
2021: €80k
2022: €47k
2023: €55k
2024: €48k
2018 → 2025
Net result
€578
2024 · €-10k
2018: €19k
2019: €-7k
2020: €10k
2021: €-4k
2022: €-8k
2023: €6k
2024: €-10k
2018 → 2025
Working capital
€20k▲ 1.3%
2024 · €19k
2018: €34k
2019: €27k
2020: €37k
2021: €30k
2022: €23k
2023: €31k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€13k▼ 40.0%€19k▲ 47.4%€8k▼ 56.4%€9k▲ 7.2%
Operating result€-4k-€-8k▼ 92.8%€6k€-10k€621
Net result€-4k-€-8k▼ 88.0%€6k€-10k€578
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €621 after a loss of €10k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €53k
Fixed assets
€662 ▲ 97.8%
Current assets
€52k ▲ 8.5%
Equity and liabilities €53k
Equity
€9k ▲ 7.2%
Debt
€44k ▲ 9.5%
Debt's share of the balance-sheet total rises from 83.3% to 83.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1k▲
2024 · €-10k
Cash flow
€1k▲
2024 · €-10k
Current ratio
1.61▼
2024 · 1.69
Quick ratio
1.37▲
2024 · 1.09
Debt to equity
5.08▲
2024 · 4.97
ROE
6.7%▲
2024 · -129.6%
ROA
1.1%▲
2024 · -21.7%
Interest coverage
26.34▲
2024 · -232.31
Debt ≤ 1 year
€32k▲
2024 · €28k
Debt > 1 year
€12k=
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€48k€53k▲
Fixed assets21/28€335€662▲
Tangible fixed assets22/27€335€662▲
Furniture and vehicles24€335€662▲
Current assets29/58€48k€52k▲
Stocks and contracts in progress3€17k€8k▼
Stocks30/36€17k€8k▼
Amounts receivable within one year40/41€964€91▼
Other amounts receivable41€964€91▼
Cash at bank and in hand54/58€30k€40k▲
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€48k€53k▲
Equity10/15€8k€9k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€7k€7k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€-17k€-17k▲
Amounts payable17/49€40k€44k▲
Amounts payable after more than one year17€12k€12k=
Financial debts170/4€12k€12k=
Amounts payable within one year42/48€28k€32k▲
Trade debts44€3k-
Suppliers440/4€3k-
Taxes, remuneration and social security45€150€283▲
Taxes450/3€150€283▲
Other amounts payable47/48€25k€32k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€503€498▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€-9k€2k▲
Operating profit (loss)9901€-10k€621▲
Financial income75/76B€20-
Recurring financial income75€20-
Financial charges65/66B€42€43▲
Recurring financial charges65€42€43▲
Profit (loss) for the period before taxes9903€-10k€578▲
Income taxes67/77€189-
Profit (loss) for the period9904€-10k€578▲
Profit (loss) for the period to be appropriated9905€-10k€578▲
Appropriation of the result
Profit (loss) to be appropriated9906€-17k€-17k▲
Profit (loss) brought forward from the previous period14P€-7k€-17k▼
The notes to these accounts (7 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €578
Net result €578 after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-10k ▼276%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · 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
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Keerbergen · 2 establishment units since 2005
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.
De Selliers de Moranvillelaan 123140 KeerbergenGround area
5,220 m²
Building footprint
709 m²
Volume, LiDAR
5,726 m³
3 parcels, Brussels, Flanders · tallest building 18.5 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Art Depot
since 20052.144.719.983
Korporaal Trésigniesstr. 6, 1190 Vorst
since 20262.389.922.820
3 parcels
Flanders
2
(66.7%)
Brussels
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24048A0002/00P002 | Flanders | 4,528 m² | 1 · 263 m² | 8.6 m · 2 fl. |
| 12005C0518/00L000 | Flanders | 519 m² | 1 · 192 m² | 13.8 m · 2 fl. |
| 21384D0151/00R000 | Brussels | 174 m² | 1 · 254 m² | 18.4 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 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
ARIADNE
BE 0871.902.514
Huldenberg · Eq €8,712
H.D.M.S. EURO LEGAL CONSULTING
BE 0448.618.268
Ellezelles · Eq €8,937
EDU-COM
BE 0794.573.124
La Louvière · Eq €9,052
SOBERGE
BE 0893.173.426
Ukkel · Eq €9,072
NOUR MODE
BE 0765.863.203
Antwerpen · Eq €8,251
Of 3,839 companies in sector 74111 we hold annual accounts for 1,006. 309 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-01-2005
Fiscal year end31-12
Activities, NACEBEL 2025
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.