Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
-
Tight liquidity NBB
Cash and receivables cover 45 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Urbaco from Namur, company number BE0427655182, closed financial year 2025 with a result of € 21,054 after tax. For that financial year Urbaco recorded a gross margin of € 31,859 and equity of € -43,627. Compared with financial year 2024, the result moved from € -27,455 to € 21,054. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 15, 2026.
€ -43,627
▲ € 21,054 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 21,054
▲ still € 27,455 loss in 2024
Profit after tax over the fiscal year.
€ 6,256
▲ € 6,242 vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -105,627.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 5
No payroll staff. An amount this small is usually a social contribution or pension premium for the director, booked under staff costs.
Debts at end 2025
€ 7,342
Loans from banks and other lenders, long and short.
€ 19,989
▲ 203% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 500
▼ 92% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 839 | € 22,930 | € -15,285 | € 31,859 | ▲ € 47,144 |
| Profit after taxes | € -9,725 | € 8,254 | € -27,455 | € 21,054 | ▲ € 48,509 |
| Equity | € -45,480 | € -37,227 | € -64,681 | € -43,627 | ▲ € 21,054 |
| Total debts | € 123,436 | € 112,083 | € 104,043 | € 94,475 | ▼ 9% |
| Cash | € 16,881 | € 7,549 | € 14 | € 6,256 | ▲ € 6,242 |
| Retained profit | € -107,480 | € -99,227 | € -126,681 | € -105,627 | ▲ € 21,054 |
| Bank debt | € 3,970 | € 7,208 | € 7,351 | € 7,342 | |
| Balance sheet total | € 77,956 | € 74,856 | € 39,362 | € 50,847 | ▲ 29% |
Key figures of Urbaco, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Urbaco?
What happened at Urbaco in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 21,054. Source: NBB ↗
- Start of the company according to the CBE. KBO
- New establishment in Sint-Lambrechts-Woluwe. KBO
In short
From € 9,725 loss in 2022 to € 21,054 profit in 2025.
Paid € 2 in corporate taxes since 2022.
Best year ever: 2025, with € 21,054 profit.
A new publication or filing at Urbaco? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind Urbaco is BERNARD BOUVIER. BERNARD BOUVIER is also behind FIDUCIAIRE GENERALE.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Place Léopold 8
5000 Namur
de Broquevillelaan 118
1200 Sint-Lambrechts-Woluwe
Active since 1 July 1985
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0427.655.182
- VAT number
- BE 0427.655.182
- Registered office
- Place Léopold 8, 5000 Namur
- Names & denominations
- Urbaco
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 16 July 1985
- Peppol
- Active · Active since 18 Dec 2025
- Activities · NACE
Handel in eigen onroerend goed
Projectontwikkeling voor woningbouw
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
Overige bouwinstallatie
Ontwikkeling van residentiële bouwprojecten
Overige gespecialiseerde bouwactiviteiten, neg
Bemiddeling in verband met exploitatie van en handel in onroerend goed
Overige bouwinstallatie, n.e.g.
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