Utopia-Kledij
ActiveSummary
Utopia-Kledij has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €334,809 and a net result of -€5,138. Equity is growing by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 3510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability34▲+22
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
short-term debt: 0% and cash: 60.6% of total assets, and 0% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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
Other professional, scientific and technical activities (NACE 74)
about 48% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
100%
Return on assets
-1.5%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€5,138
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
7 d early
2023
68 d late
2022
66 d late
2021
44 d late
2020
82 d late
2019
90 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 53 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 38% 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 13 September (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€334,809▼ 1.5%
2024 · €339,947
Total assets
€334,818▼ 1.7%
2024 · €340,696
Net result
-€5,138▲ 73.4%
2024 · -€19,339
Working capital
€334,809=
2024 · €334,964
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 74, Other professional, scientific and technical activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€103,172▲ 34.3%€87,666▼ 15.0%€59,059▼ 32.6%-€20,597-€7,792▲ 62.2%
Net result€70,862above the sector's middle half▲ 30.3%€65,160above the sector's middle half▼ 8.0%€40,285above the sector's middle half▼ 38.2%-€19,339below the sector's middle half-€5,138below the sector's middle half▲ 73.4%
Equity€253,841above the sector's middle half▲ 38.7%€319,001above the sector's middle half▲ 25.7%€359,286above the sector's middle half▲ 12.6%€339,947above the sector's middle half▼ 5.4%€334,809above the sector's middle half▼ 1.5%
Total assets€280,236above the sector's middle half▲ 23.6%€337,124above the sector's middle half▲ 20.3%€366,690above the sector's middle half▲ 8.8%€340,696above the sector's middle half▼ 7.1%€334,818above the sector's middle half▼ 1.7%
Debt€26,394▼ 39.6%€18,124▼ 31.3%€7,404▼ 59.1%€750▼ 89.9%€9▼ 98.8%
Working capital€123,207above the sector's middle half▲ 174%€194,921above the sector's middle half▲ 58.2%€353,259above the sector's middle half▲ 81.2%€334,964above the sector's middle half▼ 5.2%€334,809above the sector's middle half=
Solvency90.6%above the sector's middle half▲ 9.9pp94.6%above the sector's middle half▲ 4.0pp98.0%above the sector's middle half▲ 3.4pp99.8%above the sector's middle half▲ 1.8pp100.0%above the sector's middle half▲ 0.2pp
Current ratio5.67above the sector's middle half▲ 3.6411.76above the sector's middle half▲ 6.0948.71above the sector's middle half▲ 36.96
Return on assets (ROA)25.3%above the sector's middle half▲ 1.3pp19.3%within the sector's middle half▼ 6.0pp11.0%within the sector's middle half▼ 8.3pp-5.7%below the sector's middle half▼ 16.7pp-1.5%below the sector's middle half▲ 4.1pp
above
within
below
the middle half (P25 to P75) of NACE 74, Other professional, scientific and technical activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7,792 in 2025 against €20,597 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €334,818
Equity
€334,809 ▼ 1.5%
Debt
€9 ▼ 98.8%
Debt's share of the balance-sheet total falls from 0.2% to 0.0%. Equity and debt are lower.
Key figures and ratios
Debt to equity
0.00▼
2024 · 0.00
ROE
-1.5%▲
2024 · -5.7%
Debt ≤ 1 year
€9▼
2024 · €750
A ratio outside any meaningful range has been withheld (balance sheet total €334,818, equity €334,809).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,441 companies that looked in July 2024 the way this one looks now, 2.3% went bankrupt within 24 months and 90% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a small loss
2.3%
went bankrupt
7.5%
stopped otherwise
90%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,441 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €58,054 | - | €1,826 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,397 | €11,779 | €1,107 | €1,045 | - | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €1,000 | €805 | - | - | - |
| Other operating charges640/8 | €3,658 | €3,632 | €3,804 | €1,086 | €875 | ▼ 19.5% |
| Non-recurring operating charges66A | - | - | - | - | €1,139 | - |
| Gross operating margin9900 | €118,226 | €104,078 | €64,775 | -€18,466 | -€5,778 | ▲ 68.7% |
| Operating profit (loss)9901 | €103,172 | €87,666 | €59,059 | -€20,597 | -€7,792 | ▲ 62.2% |
| Financial income75/76B | €2,483 | €4,772 | €2,656 | €1,624 | €2,817 | ▲ 73.4% |
| Recurring financial income75 | €2,483 | €4,772 | €2,656 | €1,624 | €2,817 | ▲ 73.4% |
| Financial charges65/66B | €1,185 | €1,186 | €1,155 | €136 | €162 | ▲ 19.5% |
| Recurring financial charges65 | €1,185 | €1,186 | €1,155 | €136 | €162 | ▲ 19.5% |
| Profit (loss) for the period before taxes9903 | €104,470 | €91,253 | €60,561 | -€19,108 | -€5,138 | ▲ 73.1% |
| Income taxes67/77 | €33,608 | €26,093 | €20,276 | €231 | - | - |
| Profit (loss) for the period9904 | €70,862 | €65,160 | €40,285 | -€19,339 | -€5,138 | ▲ 73.4% |
| Profit (loss) for the period to be appropriated9905 | €70,862 | €65,160 | €40,285 | -€19,339 | -€5,138 | ▲ 73.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €280,236 | €337,124 | €366,690 | €340,696 | €334,818 | ▼ 1.7% |
| Fixed assets21/28 | €130,635 | €124,079 | €6,027 | €4,982 | - | - |
| Tangible fixed assets22/27 | €130,635 | €124,079 | €6,027 | €4,982 | - | - |
| Plant, machinery and equipment23 | €1,533 | €1,087 | - | - | - | - |
| Furniture and vehicles24 | €2,628 | €4,931 | €3,824 | €2,779 | - | - |
| Other tangible fixed assets26 | €126,473 | €118,061 | €2,203 | €2,203 | - | - |
| Current assets29/58 | €149,601 | €213,045 | €360,663 | €335,714 | €334,818 | ▼ 0.3% |
| Amounts receivable after more than one year29 | - | €83,834 | €83,834 | €83,834 | €83,834 | = |
| Other amounts receivable291 | - | €83,834 | €83,834 | €83,834 | €83,834 | = |
| Stocks and contracts in progress3 | €56,564 | €52,012 | €1,203 | - | - | - |
| Stocks30/36 | €56,564 | €52,012 | €1,203 | - | - | - |
| Amounts receivable within one year40/41 | €59,283 | €7,170 | €90,877 | €49,592 | €48,114 | ▼ 3.0% |
| Trade receivables40 | €3,320 | €51 | €32,924 | - | - | - |
| Other amounts receivable41 | €55,963 | €7,119 | €57,953 | €49,592 | €48,114 | ▼ 3.0% |
| Cash at bank and in hand54/58 | €31,404 | €66,880 | €183,190 | €201,666 | €202,870 | ▲ 0.6% |
| Deferred charges and accrued income490/1 | €2,350 | €3,148 | €1,557 | €622 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €280,236 | €337,124 | €366,690 | €340,696 | €334,818 | ▼ 1.7% |
| Equity10/15 | €253,841 | €319,001 | €359,286 | €339,947 | €334,809 | ▼ 1.5% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €160,000 | €225,000 | €265,000 | €265,000 | €265,000 | = |
| Distributable reserves133 | €160,000 | €225,000 | €265,000 | €265,000 | €265,000 | = |
| Profit (loss) carried forward14 | €87,641 | €87,801 | €88,086 | €68,747 | €63,609 | ▼ 7.5% |
| Amounts payable17/49 | €26,394 | €18,124 | €7,404 | €750 | €9 | ▼ 98.8% |
| Amounts payable within one year42/48 | €26,394 | €18,124 | €7,404 | €750 | €9 | ▼ 98.8% |
| Trade debts44 | €3,406 | €1,658 | €3,920 | €88 | - | - |
| Suppliers440/4 | €3,406 | €1,658 | €3,920 | €88 | - | - |
| Taxes, remuneration and social security45 | €22,989 | €16,466 | €3,484 | €661 | €9 | ▼ 98.6% |
| Taxes450/3 | €22,989 | €16,466 | €3,484 | €661 | €9 | ▼ 98.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €70,862 | €65,160 | €40,285 | -€19,339 | -€5,138 | ▲ 73.4% |
| + Depreciation and write-downs630 | €11,397 | €11,779 | €1,107 | €1,045 | - | - |
| Operating cash flow (approximation) | €82,259 | €76,938 | €41,392 | -€18,294 | -€5,138 | ▲ 71.9% |
| Investment in fixed assets (approximation) | - | -€5,224 | €116,946 | €0 | - | - |
| Change in cash | - | €35,476 | €116,311 | €18,476 | €1,203 | ▼ 93.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity times 82current ratio 36914.87
Current ratio from 447.90 to 36914.87; short-term debt falls from €750 to €9.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€19,339
Net result drops to -€19,339, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 9current ratio 447.90
Current ratio from 48.71 to 447.90; short-term debt falls from €7,404 to €750.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 48.71
Current ratio from 11.76 to 48.71; short-term debt falls from €18,124 to €7,404.
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 11.76
Current ratio from 5.67 to 11.76; short-term debt falls from €26,394 to €18,124.
13-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 44 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 5.67
Current ratio from 2.03 to 5.67; short-term debt falls from €43,722 to €26,394.
31-12
Financial
Equity above €200,000Eq €253,841 ▲38.7%
3 profitable years in a row build equity to €253,841.
Show earlier events
21-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 82 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 2.03
Current ratio from 0.83 to 2.03; short-term debt falls from €113,034 to €43,722.
31-12
Financial
Equity above €150,000Eq €182,979 ▲42.3%
2 profitable years in a row build equity to €182,979.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Koksijde · 1 establishment unit since 2018
Ground area
826 m²
Building footprint
420 m²
Volume, LiDAR
2,800 m³
Parcel 38502E0018/00A000, Flanders · tallest building 13.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Foto Leuridan-Utopia
since 20182.272.096.623
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38502E0018/00A000 | Flanders | 826 m² | 1 · 420 m² | 13.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 980 companies in sector 74209 we hold annual accounts for 143. 82 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-01-2018
Fiscal year end31-12
Activities, NACEBEL 2025
74209Other photographic activities
47784Retail sale of souvenirs and religious articles
64210Activities of holding companies
68110Buying and selling of own real estate
70200Business and other management consultancy
82100Office administrative and support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0687747618
Also
9925:BE0687747618
Registered
31-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.