UDRA CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of UDRA CONSTRUCT is 1.8% (moderate). The 2025 annual accounts show equity of €224k and a net result of €88k. Equity is growing by ~35.4% per year across the filed fiscal years. Its solvency ranks better than 79% of 7453 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▲+9
Solvency96▼-2
Growth85=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 3.39 against 4.28 in 2024; short-term debt: 28.3% and cash: 16.8% of total assets), and 29.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
70.8%
Return on assets
28%
Age of the figures
18 mo
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 30-09-2025, 31 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
31 d early
2024
29 d early
2023
1 d early
2022
8 d late
2021
3 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
€628k▲ 42.9%
2022 · €439k
2021: €190k
2022: €439k
2021 → 2023
EBIT margin
7.4%▼ 3.1pp
2022 · 10.5%
2021: 16.8%
2022: 10.5%
2021 → 2023
Net result
€88k▲ 166%
2024 · €33k
2021: €26k
2022: €36k
2023: €36k
2024: €33k
2021 → 2025
Working capital
€214k▲ 60.3%
2024 · €134k
2021: €30k
2022: €65k
2023: €113k
2024: €134k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€190k-€439k▲ 131%€628k▲ 42.9%
Equity€30k-€66k▲ 121%€102k▲ 55.0%€136k▲ 32.6%€224k▲ 65.2%
Operating result€32k-€46k▲ 44.6%€46k▲ 0.7%€44k▼ 5.7%€128k▲ 193%
Net result€26k-€36k▲ 39.1%€36k▲ 0.7%€33k▼ 8.2%€88k▲ 166%
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 193% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €317k
Fixed assets
€13k ▲ 4.4%
Current assets
€304k ▲ 74.2%
Equity and liabilities €317k
Equity
€224k ▲ 65.2%
Debt
€92k ▲ 81.3%
Debt's share of the balance-sheet total rises from 27.3% to 29.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€135k▲
2024 · €50k
Cash flow
€95k▲
2024 · €39k
Current ratio
3.39▼
2024 · 4.28
Debt to equity
0.41▲
2024 · 0.38
ROE
39.5%▲
2024 · 24.6%
ROA
28.0%▲
2024 · 17.9%
Interest coverage
321.41▲
2024 · 170.08
Debt ≤ 1 year
€90k▲
2024 · €41k
Debt > 1 year
€3k▼
2024 · €10k
Income taxes
€40k▲
2024 · €10k
Staff costs
€10k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€187k€317k▲
Fixed assets21/28€12k€13k▲
Tangible fixed assets22/27€11k€12k▲
Furniture and vehicles24€11k€12k▲
Financial fixed assets28€800€800=
Current assets29/58€175k€304k▲
Amounts receivable within one year40/41€114k€251k▲
Trade receivables40€68k€229k▲
Other amounts receivable41€45k€22k▼
Cash at bank and in hand54/58€61k€53k▼
Equity and liabilities
Total equity and liabilities10/49€187k€317k▲
Equity10/15€136k€224k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€132k€220k▲
Amounts payable17/49€51k€92k▲
Amounts payable after more than one year17€10k€3k▼
Financial debts170/4€10k€3k▼
Amounts payable within one year42/48€41k€90k▲
Trade debts44€31k€51k▲
Suppliers440/4€2k€17k▲
Bills of exchange payable441€29k€34k▲
Taxes, remuneration and social security45€10k€32k▲
Taxes450/3€10k€32k▲
Other amounts payable47/48-€6k
Income statement
Code20242025
Remuneration, social security and pensions62€4k€10k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€56k€147k▲
Operating profit (loss)9901€44k€128k▲
Financial income75/76B-€2k
Recurring financial income75-€306
Non-recurring financial income76B-€1k
Financial charges65/66B€292€2k▲
Recurring financial charges65€292€420▲
Non-recurring financial charges66B-€1k
Profit (loss) for the period before taxes9903€43k€128k▲
Income taxes67/77€10k€40k▲
Profit (loss) for the period9904€33k€88k▲
Profit (loss) for the period to be appropriated9905€33k€88k▲
Appropriation of the result
Profit (loss) to be appropriated9906€132k€220k▲
Profit (loss) brought forward from the previous period14P€98k€132k▲
The notes to these accounts (7 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
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2021net €88k ▲166%
Operating result €128k, net result €88k, both a record.
31-03
Financial
Equity above €200kEq €224k ▲65.2%
5 profitable years in a row build equity to €224k.
2024
02-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Equity above €100kEq €102k ▲55%
3 profitable years in a row build equity to €102k.
2022
08-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Ternat · 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.
Terlindenstraat 11740 TernatGround area
257 m²
Building footprint
127 m²
Volume, LiDAR
919 m³
Parcel 23086A0276/00F003, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
UDRA CONSTRUCT SRL
since 20202.299.439.438
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23086A0276/00F003 | Flanders | 257 m² | 1 · 127 m² | 10.8 m · 3 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.
Similar companies · same sector, comparable size
D.L. CONSTRUCTION
BE 0465.071.151
Nassogne · Eq €224,171
REUT & FILS
BE 0752.565.590
Grimbergen · Eq €224,149
BMH
BE 0887.666.893
Houthalen-Helchteren · Eq €224,227
SVG Construct
BE 0744.929.415
Hasselt · Eq €224,099
ROBBERECHT G & B
BE 0455.075.104
Hamme (Vl.) · Eq €224,247
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 11,811 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-2020
Fiscal year end31-03
Activities, NACEBEL 2025
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.