Active BE 0673.934.224Private limited company (pre-2019)

UTP

Hemelrijkstraat 12 ·9840 Nazareth-De Pinte, Belgium· 9 yrs active

Sector: Construction of buildings (41001)

Conclusion Checked

The computed 12-month bankruptcy probability of UTP is 1.4% (low). The 2025 annual accounts show negative equity (€-11k) and a net result of €-13k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 1072 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Key figures

Equity	€-11k
Net result	€-13k
Better than sector	9%
Active	9 yrs

Snowflake analysis 5 axes · computed by Checked

54 / 100

Mixed profile: strong on profitability, weaker on health.

Health 7

Profitability 100

Solvency 33

Growth 32

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

1.4% Low

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 3 signals

More than 3 years active

Founded in 2017, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags 0 events

No administrative flags

Health barometer FY 2025 · computed

7 / 100 Critical

050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Financial overview8 NBB filings

Annual accounts filed on 03-12-2025 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	-2.5%	42.2%	better than 9% of 1072 sector peers
Net result	€-13k	€11k	better than 8% of 1073 sector peers
Equity	€-11k	€35k	better than 5% of 1074 sector peers
Gross operating margin	€-959	€30k	better than 9% of 1072 sector peers
Total assets	€433k	€96k	better than 90% of 1072 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€-3k

- far below sector median

Net profit

€-13k

-1373.6% far below sector median

Cash flow

€-12k

- far below sector median

Total assets

€433k

-1.3% -2% vs sector

Equity

€-11k

- far below sector median

Working capital

€-115k

-35.3% far below sector median

Employees (FTE)

2

-47.5% -21% vs sector

Staff costs

€103k

-43.7% -31% vs sector

Income taxes

€882

-39.0% -81% vs sector

Debt

€444k

+1.7% +49% vs sector

Debt ≤ 1y

€173k

+16.9% -21% vs sector

Debt > 1y

€270k

-5.9% +199% vs sector

Current ratio

0.33

-21.3% -81% vs sector

Quick ratio

0.33

-21.3% -81% vs sector

Solvency

-2.5%

- far below sector median

Debt / equity

-40.40

- far below sector median

ROE

118.7%

- far above sector median

ROA

-3.0%

-1393.1% far below sector median

Interest coverage

-0.32

- far below sector median

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Revenue	-
EBITDA	€-3k
Net profit	€-13k
Cash flow	€-12k
Staff costs	-
Income taxes	€882
Dividends	-
Total assets	€433k
Equity	€-11k
Debt	€444k
of which ≤ 1y	€173k
of which > 1y	€270k
Working capital	€-115k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	0.33
Quick ratio	0.33
Working capital ratio	-26.6%
Solvency	-2.5%
Debt / equity	-40.40
Long-term debt ratio	-24.62
Interest coverage	-0.32
Gross margin	-
Net margin	-
ROA	-3.0%
ROE	118.7%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €375k · 86.7% Current assets €58k · 13.3%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€433k
Fixed assets	21/28	€375k
Tangible fixed assets	22/27	€375k
Current assets	29/58	€58k
Amounts receivable within one year	40/41	€35k
Cash & bank	54/58	€19k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€433k
Equity	10/15	€-11k
Contributions / capital	10/11	€19k
Reserves	13	€1k
Accumulated profits (losses)	14	€-31k
Amounts payable	17/49	€444k
Amounts payable after one year	17	€270k
Amounts payable within one year	42/48	€173k
Trade debts payable within one year	44	€50k
Income statement
Gross operating margin	9900	€-959
Operating result	9901	€-4k
Financial income	75	€170
Financial charges	65	€9k
Result before taxes	9903	€-12k
Income taxes	67/77	€882
Net result for the period	9904	€-13k
Result to be appropriated	9905	€-13k

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Ratios computed by Checked.

Legal Structure

NACE primary	Construction of buildings(41001)
Legal form	Private limited company (pre-2019)(015)
Incorporation	06-04-2017
Status	Active
Postal code	9840

Establishment units 1 location

BUILDING PASSION

Hemelrijkstraat 12, 9840 Nazareth-De PinteSnoeien van fruitbomen en wijnstokken

since 20172.263.427.791

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44012B0175/00B000	Flanders	2,836 m²	1 · 186 m²	7.6 m · 1 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 8 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

03-12-2025