Urban E Mobility · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Urban E Mobility is 2.1% (moderate). The 2023 annual accounts show negative equity (€-22k) and a net result of €-1k. Equity is shrinking by ~38.8% per year across the filed fiscal years. Its solvency ranks better than 11% of 801 sector peers (fiscal year 2023). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

2.1% Moderate

0%0,5%1,5%4%10%≥25%

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

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

Signals

1 signal · with evidence

Negative equity

Equity is negative for financial year 2023: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).

View the annual accounts

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Annual accounts not filed

The financial year that closed on 31-12-2024 was due at the National Bank by 31-07-2025. Nothing is on record today, 379 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.

Filed more than 90 days late

The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 07-04-2025, 250 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

How we compute the deadline

The year end is derived from 5 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2023, that is 31-07-2024.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	nothing on record	not filed	-
31-12-2023	31-07-2024	07-04-2025	250 d late	2025-00064476
31-12-2022	31-07-2023	10-08-2023	10 d late	2023-00323068
31-12-2021	31-07-2022	31-08-2022	31 d late	2022-20361973
31-12-2020	31-07-2021	28-10-2021	89 d late	2021-74100526
31-12-2019	31-07-2020	31-08-2020	31 d late	2020-48000232

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Established

Founded in 2016, 10 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.

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€-1k+75.7%

Working capital€63k-36.8%

CSV export

Annual accounts & ratios

Source: NBB · 2023

Annual accounts filed on 07-04-2025 with the NBB · fiscal year 2023 · volledig

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Equity: declining trend of ~38.8%/year over 5 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 2023 · NACE 47, Retail trade · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	-25.8%	18.0%	better than 11% of 801 sector peers
Net result	€-1k	€12k	better than 34% of 797 sector peers
Equity	€-22k	€82k	better than 17% of 802 sector peers
Gross operating margin	€6k	€162k	better than 14% of 722 sector peers
Total assets	€86k	€657k	better than 14% of 801 sector peers

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

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P11

Stable position over 2020-2023 · n=432-801

Net result P34

Improving position over 2020-2023 · n=433-797

Equity P17

Stable position over 2020-2023 · n=433-802

Gross operating margin P14

Stable position over 2020-2023 · n=357-722

Describes the position versus peers, not a forecast.

EBITDA

€5k

+52.1% 19-23

Net profit

€-1k

+75.7% 19-23

Cash flow

€3k

+1071.1% 19-23

Total assets

€86k

-32.2% 19-23

Equity

€-22k

-5.0% 19-23

Working capital

€63k

-36.8% 19-23

Income taxes

€0

-100.0% 19-23

Debt

€108k

-26.9% 19-23

Debt ≤ 1y

€17k

-5.6% 19-23

Debt > 1y

€80k

-33.6% 19-23

Current ratio

4.66

-27.9% 19-23

Quick ratio

0.64

+64.4% 19-23

Solvency

-25.8%

-54.9% 19-23

Debt / equity

-4.88

+30.4% 19-23

ROE

4.8%

-76.9% 19-23

ROA

-1.2%

+64.2% 19-23

Interest coverage

2.06

+92.1% 19-23

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2023
Deposit	volledig
Revenue	-
EBITDA	€5k
Net profit	€-1k
Cash flow	€3k
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€86k
Equity	€-22k
Debt	€108k
of which ≤ 1y	€17k
of which > 1y	€80k
Working capital	€63k
Employees (FTE)	-

Ratios (computed)

	2023
Current ratio	4.66
Quick ratio	0.64
Working capital ratio	73.3%
Solvency	-25.8%
Debt / equity	-4.88
Long-term debt ratio	-3.63
Interest coverage	2.06
Gross margin	-
Net margin	-
ROA	-1.2%
ROE	4.8%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2023

Assets

Fixed assets €5k · 5.8% Current assets €80k · 94.2%

Full annual accounts

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

Line item	Code	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€86k
Fixed assets	21/28	€5k
Formation expenses	20	€787
Intangible fixed assets	21	€0
Tangible fixed assets	22/27	€4k
Financial fixed assets	28	€1k
Current assets	29/58	€80k
Stocks & contracts in progress	3	€69k
Amounts receivable within one year	40/41	€7k
Cash & bank	54/58	€4k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€86k
Equity	10/15	€-22k
Contributions / capital	10/11	€15k
Reserves	13	€1k
Accumulated profits (losses)	14	€-39k
Amounts payable	17/49	€108k
Amounts payable after one year	17	€80k
Amounts payable within one year	42/48	€17k
Trade debts payable within one year	44	€3k
Income statement
Gross operating margin	9900	€6k
Operating result	9901	€2k
Financial income	75	€2
Financial charges	65	€3k
Result before taxes	9903	€-1k
Net result for the period	9904	€-1k
Result to be appropriated	9905	€-1k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2023 · computed

46 / 100 Fair

050100

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.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Rue Léon-Frédéricq 144020 Liège

Establishment units

1 location

Créa.

Rue Fréson 46, 4130 EsneuxZetten van tekst en beeld op film, fotografisch of normaal papier

since 20162.250.613.893

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

Parcels1

Ground area244 m²

Buildings1

Building footprint71 m²

Volume (LiDAR)705 m³

Tallest building12.1 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62101D0466/00Z007	Wallonia	244 m²	1 · 71 m²	12.1 m · 3 fl.

Methodology

via establishment units: 1

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

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

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

54 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 46

Profitability 24

Solvency 67

Growth 32

Stability 100

Credit advice

verdict per customer and amount

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We hold annual accounts for 174 of the 1,466 companies in this sector. 46 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Detailhandel in fietsen47632Detailhandel in fietsen in gespecialiseerde winkels47785Overige niet-gespecialiseerde detailhandel47120Detailhandel in overige sportartikelen47639Detailhandel in sport- en kampeerartikelen in gespecialiseerde winkels47640Detailhandel via postorderbedrijven of via internet47910

Primary activity highlighted.

Names & trade names

Legal nameFR

Urban E Mobility

Registered office

Rue Léon-Frédéricq 14

4020 Liège, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.