Checked.be
Active
BE 0885.902.186Private limited company
Ubybo
Boekhoutstraat 11 ·9860 Oosterzele, Belgium· 19 yrs active
Sector: Full-service restaurants
(56111)
Conclusion
Ubybo has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €198k and a net result of €-66k. Equity is shrinking by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 12499 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €198k |
| Net result | €-66k |
| Better than sector | 95% |
| Active | 19 yrs |
Financial profile
57
/ 100
Mixed profile: strong on solvency, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
52
Profitability
0
Solvency
100
Growth
32
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2006, 19 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
52
/ 100
Fair
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€10k
estimate, not credit advice
Score history
55
2022
78
2023
78
2024
52
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 12.57 (≥ 1.5)
+10
Quick ratio
Quick ratio 12.57 (≥ 1.0)
+5
Leverage
Debt/equity 0.03 (< 1.0)
+10
Profitability
Negatieve ROE -33%
-10
Interest coverage
Interest coverage -51.9× (< 1.5×)
-10
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 20-08-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~15.4%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 56, Food and beverage service activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 97.5% | 30.5% | |
| Net result | €-66k | €5k | |
| Equity | €198k | €30k | |
| Gross operating margin | €-18k | €62k | |
| Total assets | €203k | €116k |
€-20k
-
22-25
€-66k
-136.9%
22-25
€-20k
-
22-25
€203k
-24.6%
22-25
€198k
-25.1%
22-25
€59k
-44.9%
22-25
3
-
22-25
€94k
-
22-25
€133
-31.3%
22-25
€5k
-3.7%
22-25
€5k
-3.7%
22-25
€8k
-
22-25
12.57
-40.8%
22-25
12.57
-40.8%
22-25
97.5%
-0.6%
22-25
0.03
+28.5%
22-25
-33.4%
-216.1%
22-25
-32.6%
-214.4%
22-25
-51.90
-
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | €-20k | €26k | €8k | €-32k |
| Net profit | €-66k | €-28k | €-41k | €-55k |
| Cash flow | €-20k | €25k | €7k | €-24k |
| Staff costs | - | - | - | €94k |
| Income taxes | €133 | €194 | €125 | €-2k |
| Dividends | - | - | - | - |
| Total assets | €203k | €270k | €305k | €375k |
| Equity | €198k | €264k | €292k | €333k |
| Debt | €5k | €5k | €13k | €41k |
| of which ≤ 1y | €5k | €5k | €13k | €34k |
| of which > 1y | - | - | - | €8k |
| Working capital | €59k | €108k | €99k | €195k |
| Employees (FTE) | - | - | - | 3.2 |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 12.57 | 21.23 | 8.93 | 6.82 |
| Quick ratio | 12.57 | 21.23 | 8.93 | 6.82 |
| Working capital ratio | 29.2% | 39.9% | 32.5% | 52.2% |
| Solvency | 97.5% | 98.0% | 95.7% | 88.9% |
| Debt / equity | 0.03 | 0.02 | 0.05 | 0.12 |
| Long-term debt ratio | - | - | - | 0.02 |
| Interest coverage | -51.90 | 58.19 | 55.26 | -141.84 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | -32.6% | -10.4% | -13.4% | -14.6% |
| ROE | -33.4% | -10.6% | -14.0% | -16.4% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €203k | €270k | €305k | €375k |
| Fixed assets | 21/28 | €139k | €157k | €194k | €146k |
| Tangible fixed assets | 22/27 | €138k | €156k | €193k | €145k |
| Financial fixed assets | 28 | €459 | €459 | €459 | €459 |
| Current assets | 29/58 | €64k | €113k | €112k | €229k |
| Amounts receivable within one year | 40/41 | €9k | €12k | €13k | €33k |
| Cash & bank | 54/58 | €55k | €101k | €98k | €195k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €203k | €270k | €305k | €375k |
| Equity | 10/15 | €198k | €264k | €292k | €333k |
| Contributions / capital | 10/11 | €7k | €7k | €7k | €7k |
| Reserves | 13 | €323k | €323k | €323k | €323k |
| Accumulated profits (losses) | 14 | €-132k | €-66k | €-38k | €3k |
| Amounts payable | 17/49 | €5k | €5k | €13k | €41k |
| Amounts payable after one year | 17 | - | - | - | €8k |
| Amounts payable within one year | 42/48 | €5k | €5k | €13k | €34k |
| Trade debts payable within one year | 44 | €290 | €323 | €4k | €4k |
| Income statement | |||||
| Gross operating margin | 9900 | €-18k | €27k | €9k | €115k |
| Operating result | 9901 | €-66k | €-28k | €-41k | €-63k |
| Financial income | 75 | €458 | €412 | €128 | €7k |
| Financial charges | 65 | €383 | €439 | €137 | €225 |
| Result before taxes | 9903 | €-66k | €-28k | €-41k | €-57k |
| Income taxes | 67/77 | €133 | €194 | €125 | €-2k |
| Net result for the period | 9904 | €-66k | €-28k | €-41k | €-55k |
| Result to be appropriated | 9905 | €-66k | €-28k | €-41k | €-55k |
Directors & mandates
Current directors & mandates
-
Ria TuypensStatutaire bestuurderState Gazette act 22377168 (30-11-2022)Current30-11-2022 → present
-
Yves De CanckStatutaire bestuurderState Gazette act 22377168 (30-11-2022)Current30-11-2022 → present
Legal Structure
| NACE primary | Full-service restaurants(56111) |
| Legal form | Private limited company(610) |
| Incorporation | 22-12-2006 |
| Status | Active |
| Postal code | 9860 |
Establishment units
Ubybo
since 20062.159.244.744
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44052B0361/00H000 | Flanders | 1.6 ha | 1 · 191 m² | 5.4 m |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Weakest financial yearnet €-66k
Net result drops to €-66k, the lowest in the series.
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 21.23
Current ratio from 8.93 to 21.23; short-term debt falls from €13k to €5k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
15-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 15 days late
2022
30-11
State Gazette act
Director changes
v3.2
05-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 36 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
17-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 109 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
13-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 44 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Belgisch Staatsblad, acts
All acts · 1
updated 3 years ago
2022
30-11-2022 2 directors appointed
- Yves De Canck, Statutaire bestuurder
- Ria Tuypens, Statutaire bestuurder
Summary:
v3.2
Technical details
{
"events": [
{
"kind": "director_in",
"role": "statutaire bestuurder",
"person": {
"rrn": null,
"name": "Yves De Canck",
"address": null,
"birth_date": null
}
},
{
"kind": "director_in",
"role": "statutaire bestuurder",
"person": {
"rrn": null,
"name": "Ria Tuypens",
"address": null,
"birth_date": null
}
}
],
"schema": "v3.2",
"act_meta": {
"extractor": "qwen3-30b-a3b"
},
"subject_company": {
"kbo": "0885.902.186",
"name_full": "Ubybo"
}
}Credit advice
Company registry (CBE)
Activities
55301Full-service restaurants56101Full-service restaurants561115530255522Limited-service restaurants56102Limited-service restaurants, excluding mobile food services56112Event catering56210
Names & trade names
| Legal nameNL | Ubybo |
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