Skip to content

UTOR

Active
Public limited companyfounded 2003active for 23 yearsRue des Hêtres(IVR) 17, 4400 Flémalle, BelgiumKBO/BCE: BE 0479.785.952
Summary

UTOR has been active since 2003 and the Belgian Official Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €350,459 and a net result of €88,330. Equity has been shrinking by about 4.8% per year since 2019. Its solvency ranks better than 32% of 634 sector peers (NACE 47, financial year 2026). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 17-03-2003 Normal situation
Activity
Retail sale of hardware, building materials, paint and glass (general range) NACE 47521
Joint committees
100 Aanvullend Paritair Comité voor de werklieden
201 Paritair Comité voor de zelfstandige kleinhandel · annual accounts 31-01-2026
Establishment unit
2.132.187.088 5570 Beauraing, since 01-03-2003
Financial year end
31 January
Peppol
Reachable since 21-10-2026

Board and ownership

Board
  • VIVUSChair · permanent representative Christine DUFOUR
  • LAUREATUSManaging director · permanent representative Fanny STORMS
Shareholders
  • LAUREATUS2025 annual accounts of LAUREATUS

Financial position

91 Excellent Checked score 2026
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts to 31-01-2026
Gross margin
€900,058
▲ 0.5%
Turnover
≈ €4.7m
estimated
Profit
€88,330
▲ 170%
Equity
€350,459
▲ 0.4%
Total assets
€2.2m
▲ 1.0%
Employees on 31-01-2026
19
=
  • 2026 accounts filed 9 days after the deadline
Score breakdownraises riskSector: Retail trade (NACE 47)lowers riskSize: total assets €2.2mFigures for financial year 2026 (filed on 09-09-2026)Founded in 2003Show the evidence

Checked score

Score 2026
91 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 31% of small companies in retail trade (NACE 47)
Financial strength · tick: 2025
Weak
Solvency 41=
equity 16.0% of total assets
Liquidity 12=
short-term debt 77.4% · cash 3.5%
Profitability 66+16
return on assets 4.0%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,697 companies, NACE 47, small)
Last 24 months 12-2024: 0.6% 01-2025: 0.6%● unchanged vs 12-2024 02-2025: 0.6%● unchanged vs 01-2025 03-2025: 0.6%● unchanged vs 02-2025 04-2025: 0.6%● unchanged vs 03-2025 05-2025: 0.6%● unchanged vs 04-2025 06-2025: 0.6%● unchanged vs 05-2025 07-2025: 0.7%▲ +0.1 percentage points vs 06-2025 08-2025: 0.7%● unchanged vs 07-2025 09-2025: 0.7%● unchanged vs 08-2025 10-2025: 0.7%● unchanged vs 09-2025 11-2025: 0.7%● unchanged vs 10-2025 12-2025: 0.7%● unchanged vs 11-2025 01-2026: 0.7%● unchanged vs 12-2025 02-2026: 0.7%● unchanged vs 01-2026 03-2026: 0.7%● unchanged vs 02-2026 04-2026: 0.7%● unchanged vs 03-2026 05-2026: 0.8%▲ +0.1 percentage points vs 04-2026 06-2026: 0.8%● unchanged vs 05-2026 07-2026: 0.8%● unchanged vs 06-2026 08-2026: 0.9%▲ +0.1 percentage points vs 07-2026 09-2026: 1.5%▲ +0.6 percentage points vs 08-2026highest value 10-2026: 0.1%▼ -1.4 percentage points vs 09-2026lowest value 11-2026: 0.1%● unchanged vs 10-2026lowest value
Credit of up to €30,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.09 (1.08 in 2025), below the usual 1.5. Short-term debt is 77.4% and cash 3.5% of total assets. 84% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, small). It does better than 30% of them on solvency, 10% on liquidity, 48% on profitability and 38% on growth.

The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €2.2m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
lowers risk · Figures for financial year 2026 (filed on 09-09-2026)
NBB · annual accounts
lowers risk · Founded in 2003
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 09-09-2026, 9 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2026
9 days late
2025
38 days early
2024
5 days early
2023
23 days early
2022
34 days early
2021
on the day
2020
25 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 9 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today. The company usually files around 8 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
04-11-2026 today31-01-2027 year end31-08-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Result rose in 2026from €32,721 to €88,330 ▲ 170% View
  • Positive: 9th largest company by total assets in Flémalle, Wholesale and retail trade…in the Checked rankings No. 9 View
  • Positive: 7 profitable years in a rowprofit 2026: €88,330 7 years View

Recent changes

  1. · Gazette deed 5 directors appointed, 5 directors resigningResignations: Christine DUFOUR, Fanny STORMS and STRENA · Permanent representatives: STORMS Daniel Gilbert, Christine DUFOUR and Fanny STORMS · Appointments: VIVUS (director) and LAUREATUS (director)
  2. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as UTOR: retail sale of hardware, building materials, paint and glass (general range) (NACE 47521). They are comparable in size and age: total assets between €2m and €2.6m, founded between 2001 and 2002.

CompanyTotal assetsGross margin
UTOR Flémalle€2.2m€0.9m
EDES Seraing€2.5m€1.0m
CALPOL Kortemark€2.4m€0.9m
B-LUX CHASSIS Mettet€2.2m€1.1m
FLO Wommelgem€2.6m€0.9m
JASAM Aalst€2.0m€0.7m
SaniDeco Schaarbeek€2.6m€0.8m
Full comparison

Key facts about UTOR

What is the company number of UTOR?
The company number of UTOR is 0479.785.952. The VAT number is the same number with BE in front: BE 0479.785.952.
Where is UTOR based?
The registered office is at Rue des Hêtres(IVR) 17, 4400 Flémalle.Company details
What does UTOR do?
According to the KBO register, the main activity is retail sale of hardware, building materials, paint and glass (general range) (NACE 47521).
What is the legal form of UTOR?
The legal form of UTOR is Public limited company (NV).
When was UTOR founded?
UTOR was founded on 17-03-2003.
Is UTOR still active?
Yes, UTOR is an active enterprise in the KBO register.
How many employees does UTOR have?
UTOR had an average of 17.8 full-time equivalents in financial year 2026, according to the filed annual accounts.Financials
Which joint committee does UTOR fall under?
In its 31-01-2026 annual accounts, UTOR states joint committees 100 (Aanvullend Paritair Comité voor de werklieden) and 201 (Paritair Comité voor de zelfstandige kleinhandel).
What is the turnover of UTOR?
The turnover in financial year 2026 is ≈ €4.7m. This figure is estimated from the gross margin of €900,058 and 34 comparable companies (NACE 475). It probably lies between €3.2m and €7.1m.
Is UTOR profitable?
In financial year 2026, UTOR made a profit of €88,330.
Where can I find the annual accounts of UTOR?
UTOR filed 22 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
When are the next annual accounts of UTOR due?
UTOR must file the annual accounts for financial year 2027 by 31-08-2027.Timeline

Next steps

See how customers, suppliers and banks see your own company and what to improve first.

Keep this company with today's facts in a case file.