U-TOPIC
ActiveThe computed 12-month bankruptcy probability of U-TOPIC is 1.8% (moderate). The 2025 annual accounts show equity of €72k and a net result of €27k. Equity is growing by ~37.7% per year across the filed fiscal years. Its solvency ranks better than 79% of 18040 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+12
Solvency94▲+21
Growth78=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.25 against 0.99 in 2024; short-term debt: 23.5% and cash: 18.7% of total assets), and 31.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 09-10-2025, 22 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
22 d early
2024
20 d early
2023
2 d early
2022
17 d late
2021
3 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close18-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€72k▲ 37.4%
2024 · €52k
2021: €10k
2022: €13k
2023: €43k
2024: €52k
2021 → 2025
Total assets
€105k▼ 3.9%
2024 · €109k
2021: €63k
2022: €90k
2023: €98k
2024: €109k
2021 → 2025
Net result
€27k▲ 59.4%
2024 · €17k
2021: €-18k
2022: €10k
2023: €31k
2024: €17k
2021 → 2025
Working capital
€31k
2024 · €-334
2021: €-31k
2022: €-23k
2023: €10k
2024: €-334
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€13k▲ 40.2%€43k▲ 218%€52k▲ 22.8%€72k▲ 37.4%
Operating result€-22k-€4k€28k▲ 525%€15k▼ 45.2%€31k▲ 104%
Net result€-18k-€10k€31k▲ 216%€17k▼ 45.9%€27k▲ 59.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 104% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €105k
Fixed assets
€50k▼ 24.3%
Current assets
€55k▲ 26.6%
Equity and liabilities €105k
Equity
€72k▲ 37.4%
Debt
€33k▼ 42.1%
The debt ratio falls from 52.0% to 31.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€57k▲
2024 · €32k
Cash flow
€53k▲
2024 · €33k
Solvency
68.7%▲
2024 · 48.0%
Current ratio
2.25▲
2024 · 0.99
Quick ratio
2.25▲
2024 · 0.99
Debt / equity
0.46▼
2024 · 1.08
ROE
36.8%▲
2024 · 31.8%
ROA
25.3%▲
2024 · 15.3%
Interest coverage
64.51▲
2024 · 54.75
Debt
€33k▼
2024 · €57k
Debt ≤ 1 year
€25k▼
2024 · €44k
Debt > 1 year
€8k▼
2024 · €13k
Income taxes
€10k▲
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€109k€105k▼
Fixed assets21/28€65k€50k▼
Intangible fixed assets21€17k€10k▼
Tangible fixed assets22/27€48k€39k▼
Furniture and vehicles24€48k€39k▼
Current assets29/58€44k€55k▲
Amounts receivable within one year40/41€23k€30k▲
Trade receivables40€23k€25k▲
Other amounts receivable41€661€5k▲
Cash at bank and in hand54/58€16k€20k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€109k€105k▼
Equity10/15€52k€72k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€39k€65k▲
Investment grants15€11k€4k▼
Amounts payable17/49€57k€33k▼
Amounts payable after more than one year17€13k€8k▼
Financial debts170/4€13k€8k▼
Amounts payable within one year42/48€44k€25k▼
Current portion of amounts payable after more than one year42€4k€4k▲
Financial debts43€45-
Credit institutions430/8€45-
Trade debts44€676€2k▲
Suppliers440/4€676€2k▲
Advances received on contracts in progress46€2k€3k▲
Taxes, remuneration and social security45€2k-
Taxes450/3€2k-
Other amounts payable47/48€35k€15k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€26k▲
Other operating charges640/8€704€1k▲
Non-recurring operating charges66A€336-
Gross operating margin9900€33k€58k▲
Operating profit (loss)9901€15k€31k▲
Financial income75/76B€7k€7k=
Recurring financial income75€7k€7k=
Financial charges65/66B€576€883▲
Recurring financial charges65€576€883▲
Profit (loss) for the period before taxes9903€21k€37k▲
Income taxes67/77€5k€10k▲
Profit (loss) for the period9904€17k€27k▲
Profit (loss) for the period to be appropriated9905€17k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€65k▲
Profit (loss) brought forward from the previous period14P€22k€39k▲
The notes to these accounts (16 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
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Liquidity doublescurrent ratio 2.25
Current ratio from 0.99 to 2.25; short-term debt falls from €44k to €25k.
2024
11-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
29-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Highest result since 2021net €31k ▲216%
Net result €31k, the highest in the series.
2022
17-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
31-03
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · 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
1 act for this company is 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, Lasne · 1 establishment unit since 2020
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.
Clos de la Fontaine 11380 LasneGround area
1,699 m²
Building footprint
135 m²
Volume, LiDAR
930 m³
Parcel 25076B0342/00K000, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
U-TOPIC
since 20202.300.762.004
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076B0342/00K000 | Wallonia | 1,699 m² | 1 · 135 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 12,968 companies in sector 47120 we hold annual accounts for 2,186. 1,536 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2020
Fiscal year end31-03
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.