Financials
- Fiscal year
- 2025
- Total assets
- €2.2m
- Loss
- -€126,064
- Solvency
- 30.2%
Total assets▲ 10.5%
Net result
20232025
UTSUM
ActiveSummary
UTSUM has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €659,481 and a net result of -€126,064. Equity is shrinking by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 51% of 16752 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Overview
Activity
Renting and operating of own or leased residential real estate, excluding social housing
NACE 68201
1 site
Size
€2.2mtotal assets 2025
- Equity
- €659,481
- Loss
- -€126,064
Turnover not published (abridged schema)
Structure
Accounts 24 d early2 of 4 deeds read
Why 82- Liquidity: current ratio 0.04, cash €1,905, halved- Loss of €126,064, the second in a row (FY 2025)+ Sector Real estate activities (NACE 68)+ Size: total assets €2.2mShow the evidence
Checked score
Score 2025
82
/ 100
Excellent
Probability in this band: under 0.55%
Better than 32% of its sector peers (NACE 68, small)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
55-10
equity 30.2% of total assets
Liquidity
50-2
short-term debt 2.1% · cash 0.1%
Profitability
12+2
return on assets -5.8%
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.3%
12-2024: 0.3%● 0.0% vs 11-2024
01-2025: 0.3%● 0.0% vs 12-2024
02-2025: 0.3%▲ +0.4% vs 01-2025
03-2025: 0.3%▲ +3.7% vs 02-2025
04-2025: 0.3%▲ +3.6% vs 03-2025
05-2025: 0.3%▲ +11.5% vs 04-2025
06-2025: 0.4%▲ +21.8% vs 05-2025
07-2025: 0.4%▲ +12.8% vs 06-2025
08-2025: 0.6%▲ +41.0% vs 07-2025
09-2025: 0.6%▲ +0.8% vs 08-2025highest value
10-2025: 0.6%● 0.0% vs 09-2025highest value
11-2025: 0.6%● 0.0% vs 10-2025highest value
12-2025: 0.6%● 0.0% vs 11-2025highest value
01-2026: 0.3%▼ -59.3% vs 12-2025lowest value
02-2026: 0.3%● 0.0% vs 01-2026lowest value
03-2026: 0.3%▲ +1.2% vs 02-2026
04-2026: 0.3%▲ +2.3% vs 03-2026
05-2026: 0.3%▲ +1.9% vs 04-2026
06-2026: 0.3%▲ +3.0% vs 05-2026
07-2026: 0.3%▲ +13.7% vs 06-2026
08-2026: 0.4%▲ +23.2% vs 07-2026
09-2026: 0.4%● 0.0% vs 08-2026
10-2026: 0.4%● 0.0% vs 09-2026
- Liquidity: current ratio 0.04, cash €1,905, halved raises the probability
- Sector Real estate activities (NACE 68) lowers the probability
- Size: total assets €2.2m lowers the probability for this profile
- Loss of €126,064, the second in a row (FY 2025) raises the probability
Credit up to €50,000 at 30 days acceptable
Liquidity short (current ratio 0.04 against 0.34 in 2024; short-term debt: 2.1% and cash: 0.1% of total assets), and 69.8% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, small). Better than this share of them on solvency 50%, liquidity 56%, profitability 5%, growth against the median 18%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
232425
2023 to 2025 · latest year -€126,064
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 07-07-2026, 24 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
24 d early
2024
1 d early
2023
13 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 4 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% 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 30 July (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
- Resignation: Goldenberg Stéfania (director)Director discharge
- Annual accounts filedfiscal year 2025 · micro…
- Resignation: GOLDENBERG MARCELLO (director)State Gazette act
Key points
By topic
Timeline
- Events
- 6
- Since
- 2024
- Next accounts
- by 31-07-2027
- 01-09-2026Resignation: Goldenberg Stéfania (director)
- 07-07-2026Annual accounts filed
- 12-06-2026Resignation: GOLDENBERG MARCELLO (director)
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Renting and operating of own or leased residential…NACE 68201
- Founded
- 28-11-2022
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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