EVEREST URBAN LIVING
ActiveSummary
EVEREST URBAN LIVING has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.26M and a net result of €-42k. Equity is growing by ~22.3% per year across the filed fiscal years. Its solvency ranks better than 32% of 4556 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability18▲+7
Solvency45▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 2.37 against 6.96 in 2024; short-term debt: 33.7% and cash: 8.6% of total assets), but 80.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
19.5%
Return on assets
-0.7%
Age of the figures
9 mo
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
2122232425
2021 to 2025 · latest year €-42k
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 02-07-2026, 29 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
29 d early
2024
on the day
2023
56 d early
2022
3 d early
2021
2 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-42k▲ 91.3%
2024 · €-484k
2021: €-178k
2022: €-290k▼ -63.4% vs 2021
2023: €2.16M▲ +843% vs 2022highest in 5 years
2024: €-484k▼ -122% vs 2023lowest in 5 years
2025: €-42k▲ +91.3% vs 2024
2021 → 2025
Working capital
€2.99M▼ 49.9%
2024 · €5.98M
2021: €1.90Mlowest in 5 years
2022: €2.71M▲ +42.7% vs 2021
2023: €3.19M▲ +17.7% vs 2022
2024: €5.98M▲ +87.6% vs 2023highest in 5 years
2025: €2.99M▼ -49.9% vs 2024
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€322k-€32k▼ 90.0%€1.79M▲ 5,441%€1.30M▼ 27.1%€1.26M▼ 3.2%
2021: €322k
2022: €32k▼ -90.0% vs 2021lowest in 5 years
2023: €1.79M▲ +5441% vs 2022highest in 5 years
2024: €1.30M▼ -27.1% vs 2023
2025: €1.26M▼ -3.2% vs 2024
Operating result€-140k-€-164k▼ 17.5%€1.24M€-79k€-159k▼ 103%
2021: €-140k
2022: €-164k▼ -17.5% vs 2021lowest in 5 years
2023: €1.24M▲ +856% vs 2022highest in 5 years
2024: €-79k▼ -106% vs 2023
2025: €-159k▼ -103% vs 2024
Net result€-178k-€-290k▼ 63.4%€2.16M€-484k€-42k▲ 91.3%
2021: €-178k
2022: €-290k▼ -63.4% vs 2021
2023: €2.16M▲ +843% vs 2022highest in 5 years
2024: €-484k▼ -122% vs 2023lowest in 5 years
2025: €-42k▲ +91.3% vs 2024
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €159k in 2025 against €79k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.46M
Fixed assets
€1.29M ▼ 0.6%
Current assets
€5.17M ▼ 25.9%
Equity and liabilities €6.46M
Equity
€1.26M ▼ 3.2%
Debt
€5.20M ▼ 25.4%
Debt's share of the balance-sheet total falls from 84.2% to 80.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-146k▼
2024 · €-66k
Cash flow
€-29k▲
2024 · €-471k
Current ratio
2.37▼
2024 · 6.96
Quick ratio
1.00▼
2024 · 3.98
Debt to equity
4.12▼
2024 · 5.34
ROE
-3.4%▲
2024 · -37.1%
ROA
-0.7%▲
2024 · -5.8%
Interest coverage
-1.15▲
2024 · -4.45
Debt ≤ 1 year
€2.18M▲
2024 · €1.00M
Debt > 1 year
€3.02M▼
2024 · €5.90M
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€8.27M€6.46M▼
Fixed assets21/28€1.29M€1.29M▼
Intangible fixed assets21€6k€8k▲
Tangible fixed assets22/27€21k€11k▼
Furniture and vehicles24€15k€8k▼
Other tangible fixed assets26€7k€4k▼
Financial fixed assets28€1.27M€1.27M▲
Current assets29/58€6.98M€5.17M▼
Stocks and contracts in progress3€2.99M€3.00M▲
Contracts in progress37€2.99M€3.00M▲
Amounts receivable within one year40/41€3.36M€1.61M▼
Trade receivables40€467k€91k▼
Other amounts receivable41€2.89M€1.52M▼
Cash at bank and in hand54/58€627k€555k▼
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€8.27M€6.46M▼
Equity10/15€1.30M€1.26M▼
Contributions10/11€500k€500k=
Capital10€500k€500k=
Issued capital100€500k€500k=
Reserves13€805k€762k▼
Distributable reserves133€805k€762k▼
Profit (loss) carried forward14€0-
Amounts payable17/49€6.97M€5.20M▼
Amounts payable after more than one year17€5.90M€3.02M▼
Financial debts170/4€5.90M€3.02M▼
Amounts payable within one year42/48€1.00M€2.18M▲
Financial debts43€156k€1.78M▲
Credit institutions430/8€156k€1.78M▲
Trade debts44€549k€151k▼
Suppliers440/4€549k€151k▼
Taxes, remuneration and social security45€79k€138k▲
Taxes450/3€79k€138k▲
Other amounts payable47/48€218k€106k▼
Accrued charges and deferred income492/3€72k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€1k€4k▲
Gross operating margin9900€-64k€-142k▼
Operating profit (loss)9901€-79k€-159k▼
Financial income75/76B€909k€244k▼
Recurring financial income75€909k€244k▼
Financial charges65/66B€1.31M€127k▼
Recurring financial charges65€15k€127k▲
Non-recurring financial charges66B€1.30M€0▼
Profit (loss) for the period before taxes9903€-484k€-42k▲
Profit (loss) for the period9904€-484k€-42k▲
Profit (loss) for the period to be appropriated9905€-484k€-42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-484k€-42k▲
Profit (loss) brought forward from the previous period14P€187€0▼
Transfer from equity791/2€484k€42k▼
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€0-
Directors or managers695€0-
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (23 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €10k | €13k | €13k | €13k | ▲ 1.6% |
| Other operating charges640/8 | €910 | €497 | €1k | €1k | €4k | ▲ 176% |
| Gross operating margin9900 | €-136k | €-154k | €1.26M | €-64k | €-142k | ▼ 121% |
| Operating profit (loss)9901 | €-140k | €-164k | €1.24M | €-79k | €-159k | ▼ 103% |
| Financial income75/76B | €4k | €7k | €1.31M | €909k | €244k | ▼ 73.2% |
| Recurring financial income75 | €4k | €7k | €1.31M | €909k | €244k | ▼ 73.2% |
| Financial charges65/66B | €42k | €133k | €398k | €1.31M | €127k | ▼ 90.3% |
| Recurring financial charges65 | €42k | €133k | €398k | €15k | €127k | ▲ 761% |
| Non-recurring financial charges66B | - | - | - | €1.30M | €0 | ▼ 100% |
| Profit (loss) for the period before taxes9903 | €-178k | €-290k | €2.16M | €-484k | €-42k | ▲ 91.3% |
| Profit (loss) for the period9904 | €-178k | €-290k | €2.16M | €-484k | €-42k | ▲ 91.3% |
| Profit (loss) for the period to be appropriated9905 | €-178k | €-290k | €2.16M | €-484k | €-42k | ▲ 91.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.95M | €5.51M | €12.41M | €8.27M | €6.46M | ▼ 21.9% |
| Fixed assets21/28 | €20k | €52k | €2.61M | €1.29M | €1.29M | ▼ 0.6% |
| Intangible fixed assets21 | - | €11k | €8k | €6k | €8k | ▲ 29.9% |
| Tangible fixed assets22/27 | €10k | €41k | €32k | €21k | €11k | ▼ 46.1% |
| Furniture and vehicles24 | €10k | €28k | €22k | €15k | €8k | ▼ 46.8% |
| Other tangible fixed assets26 | - | €12k | €10k | €7k | €4k | ▼ 44.4% |
| Financial fixed assets28 | €10k | €0 | €2.57M | €1.27M | €1.27M | ▲ 0.1% |
| Current assets29/58 | €2.93M | €5.46M | €9.80M | €6.98M | €5.17M | ▼ 25.9% |
| Stocks and contracts in progress3 | €958k | €4.19M | €7.47M | €2.99M | €3.00M | ▲ 0.5% |
| Contracts in progress37 | €958k | €4.19M | €7.47M | €2.99M | €3.00M | ▲ 0.5% |
| Amounts receivable within one year40/41 | €853k | €526k | €1.35M | €3.36M | €1.61M | ▼ 52.1% |
| Trade receivables40 | €65k | €144k | €58k | €467k | €91k | ▼ 80.4% |
| Other amounts receivable41 | €787k | €383k | €1.29M | €2.89M | €1.52M | ▼ 47.5% |
| Cash at bank and in hand54/58 | €1.12M | €743k | €972k | €627k | €555k | ▼ 11.4% |
| Deferred charges and accrued income490/1 | - | €894 | €3k | €1k | €3k | ▲ 81.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.95M | €5.51M | €12.41M | €8.27M | €6.46M | ▼ 21.9% |
| Equity10/15 | €322k | €32k | €1.79M | €1.30M | €1.26M | ▼ 3.2% |
| Contributions10/11 | €500k | €500k | €500k | €500k | €500k | = |
| Capital10 | €500k | €500k | €500k | €500k | €500k | = |
| Issued capital100 | €500k | €500k | €500k | €500k | €500k | = |
| Reserves13 | - | - | €1.29M | €805k | €762k | ▼ 5.3% |
| Distributable reserves133 | - | - | €1.29M | €805k | €762k | ▼ 5.3% |
| Profit (loss) carried forward14 | €-178k | €-468k | €187 | €0 | - | - |
| Amounts payable17/49 | €2.63M | €5.48M | €10.62M | €6.97M | €5.20M | ▼ 25.4% |
| Amounts payable after more than one year17 | €1.60M | €2.61M | €3.78M | €5.90M | €3.02M | ▼ 48.8% |
| Financial debts170/4 | €1.60M | €2.61M | €3.78M | €5.90M | €3.02M | ▼ 48.8% |
| Amounts payable within one year42/48 | €1.03M | €2.75M | €6.61M | €1.00M | €2.18M | ▲ 117% |
| Financial debts43 | €836k | €398k | €1.47M | €156k | €1.78M | ▲ 1,041% |
| Credit institutions430/8 | €836k | €398k | €1.47M | €156k | €1.78M | ▲ 1,041% |
| Trade debts44 | €4k | €254k | €493k | €549k | €151k | ▼ 72.5% |
| Suppliers440/4 | €4k | €254k | €493k | €549k | €151k | ▼ 72.5% |
| Advances received on contracts in progress46 | €185k | €2.09M | €3.44M | - | - | - |
| Taxes, remuneration and social security45 | €6k | €14k | €348k | €79k | €138k | ▲ 75.5% |
| Taxes450/3 | €6k | €14k | €348k | €79k | €138k | ▲ 75.5% |
| Other amounts payable47/48 | - | - | €863k | €218k | €106k | ▼ 51.4% |
| Accrued charges and deferred income492/3 | - | €117k | €229k | €72k | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-178k | €-290k | €2.16M | €-484k | €-42k | ▲ 91.3% |
| + Depreciation and write-downs630 | €2k | €10k | €13k | €13k | €13k | ▲ 1.6% |
| Operating cash flow (approximation) | €-175k | €-280k | €2.17M | €-471k | €-29k | ▲ 93.8% |
| Investment in fixed assets (approximation) | - | €-41k | €-2.57M | €1.30M | €-6k | ▼ 100% |
| Change in cash | - | €-375k | €229k | €-345k | €-71k | ▲ 79.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-09
State Gazette act
Reappointments: C.B.I., CREAGEN and Ragnaros4 facts ▸
State Gazette act
Reappointments: C.B.I., CREAGEN and Ragnaros
4 facts ▸
- General meeting, 29-06-2026
- Director reappointment, C.B.I. (director)
- Director reappointment, CREAGEN (director)
- Director reappointment, Ragnaros (director)
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-484k
Net result drops to €-484k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 5current ratio 6.96
Current ratio from 1.48 to 6.96; short-term debt falls from €6.61M to €1.00M.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €2.16M
Net result €2.16M after 2 loss-making years.
31-12
Financial
Equity above €1MEq €1.79M ▲5,441%
Equity rises from €32k to €1.79M.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
under verification
This board is reconstructed from a single act (26360531). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
C.B.I.
CurrentDirector · Private limited company
CREAGEN
CurrentDirector · Private limited company
Ragnaros
CurrentDirector · Private limited company
Not every act has been read: a resignation may be missing here
4 of this company's 5 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Dendermonde · 1 establishment unit since 2020
Ground area
1,485 m²
Building footprint
168 m²
Volume, LiDAR
959 m³
Parcel 42006B0535/00X000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EVEREST URBAN LIVING
since 20202.302.699.331
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42006B0535/00X000 | Flanders | 1,485 m² | 1 · 168 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 3,956 EUR awarded · 4,022 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,147 EUR | 3,147 EUR |
| 2024 | 1 | 519 EUR | 519 EUR |
| 2023 | 1 | 290 EUR | 356 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,693 companies in sector 68121 we hold annual accounts for 7,385. 3,620 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded20-05-2020
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
Scores and ratios are computed by Checked and are not a credit decision.