Equilibre Universel

Active

Private limited companyfounded 20205 yrs activeKerkstraat 11, 3400 Landen, BelgiumKBO/BCE: BE 0760.362.709

The computed 12-month bankruptcy probability of Equilibre Universel is 2.7% (moderate). The 2025 annual accounts show equity of €30k and a net result of €-11k. Equity is shrinking by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 20% of 4144 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

31 / 100

Weak

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability25▲+1

Solvency35▼-5

Growth32=

Track record94

Bankruptcy probability, 12 months

2.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days only on tighter terms

Liquidity short (current ratio 0.89 against 0.95 in 2024; short-term debt: 62.8% and cash: 0.6% of total assets), and 89.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Nine signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

10.1%

Return on assets

-3.6%

Age of the figures

12 mo

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

2122232425

2021 to 2025 · latest year €-11k

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 4144 sector peers (2025).

NBB · sector comparison

Position among 4144 sector peers

Solvency

better than 20%

← weakest strongest →

Filed after the deadline

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-05-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 5 filings

Deviation from the deadline

2025

31 d late

2024

30 d late

2023

31 d late

2022

28 d late

2021

31 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

19-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, full schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€-11k▲ 13.2%

2024 · €-12k

2021: €42k 2022: €8k 2023: €863 2024: €-12k

2021 → 2025

Working capital

€-20k▼ 183%

2024 · €-7k

2021: €31k 2022: €37k 2023: €31k 2024: €-7k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€44k-€52k▲ 18.6%€53k▲ 1.7%€41k▼ 23.4%€30k▼ 26.5%

Operating result€52k-€12k▼ 77.3%€2k▼ 79.8%€-7k€-7k▲ 2.7%

Net result€42k-€8k▼ 80.5%€863▼ 89.5%€-12k€-11k▲ 13.2%

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €7k in 2025 against €7k in 2024; the loss shrinks.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €295k

43.9%

56.1%

Fixed assets €130k▼ 6.7%

Current assets €166k▲ 19.8%

Equity and liabilities €295k

10%

89.9%

Equity €30k▼ 26.5%

Debt €265k▲ 12.2%

The debt ratio rises from 85.3% to 89.9%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€8k▲

2024 · €7k

Cash flow

€4k▲

2024 · €996

Solvency

10.1%▼

2024 · 14.7%

Current ratio

0.89▼

2024 · 0.95

Quick ratio

0.06▼

2024 · 0.06

Debt / equity

8.86▲

2024 · 5.81

ROE

-36.0%▼

2024 · -30.5%

ROA

-3.6%▲

2024 · -4.5%

Interest coverage

1.28▼

2024 · 1.34

Debt

€265k▲

2024 · €236k

Debt ≤ 1 year

€185k▲

2024 · €145k

Debt > 1 year

€80k▼

2024 · €91k

Staff costs

€47k▲

2024 · €34k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€277k€295k▲

Fixed assets21/28€139k€130k▼

Tangible fixed assets22/27€139k€130k▼

Land and buildings22€93k€88k▼

Plant, machinery and equipment23-€3k

Furniture and vehicles24€14k€11k▼

Leasing and similar rights25€28k€24k▼

Other tangible fixed assets26€4k€3k▼

Current assets29/58€138k€166k▲

Stocks and contracts in progress3€129k€155k▲

Stocks30/36€129k€155k▲

Amounts receivable within one year40/41-€283

Other amounts receivable41-€283

Cash at bank and in hand54/58€4k€2k▼

Deferred charges and accrued income490/1€5k€8k▲

Equity and liabilities

Total equity and liabilities10/49€277k€295k▲

Equity10/15€41k€30k▼

Contributions10/11€2k€2k=

Profit (loss) carried forward14€39k€28k▼

Amounts payable17/49€236k€265k▲

Amounts payable after more than one year17€91k€80k▼

Financial debts170/4€91k€80k▼

Amounts payable within one year42/48€145k€185k▲

Current portion of amounts payable after more than one year42€17k€19k▲

Trade debts44€37k€49k▲

Suppliers440/4€37k€49k▲

Taxes, remuneration and social security45€19k€22k▲

Taxes450/3€11k€7k▼

Remuneration and social security454/9€8k€15k▲

Other amounts payable47/48€72k€96k▲

Income statement Code20242025

Remuneration, social security and pensions62€34k€47k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€15k▲

Other operating charges640/8€7k€14k▲

Gross operating margin9900€47k€69k▲

Operating profit (loss)9901€-7k€-7k▲

Financial income75/76B€106€2k▲

Recurring financial income75€106€2k▲

Financial charges65/66B€5k€6k▲

Recurring financial charges65€5k€6k▲

Profit (loss) for the period before taxes9903€-12k€-11k▲

Income taxes67/77€776-

Profit (loss) for the period9904€-12k€-11k▲

Profit (loss) for the period to be appropriated9905€-12k€-11k▲

Appropriation of the result

Profit (loss) to be appropriated9906€39k€28k▼

Profit (loss) brought forward from the previous period14P€51k€39k▼

Social balance

Average headcount (FTE)90871.41.4=

The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 1Filings 5

Next filing, fiscal year 2026, expected by 30-04-2027

2026

31-05

NBB filing Annual accounts filed

fiscal year 2025 · full schema · 31 days late

2025

30-05

NBB filing Annual accounts filed

fiscal year 2024 · full schema · 30 days late

2024

30-09

Financial Weakest financial yearnet €-12k ▼1538%

Net result drops to €-12k, the lowest in the series; recovery starts the following year.

31-05

NBB filing Annual accounts filed

fiscal year 2023 · full schema · 31 days late

2023

28-05

NBB filing Annual accounts filed

fiscal year 2022 · full schema · 28 days late

2022

31-05

NBB filing Annual accounts filed

fiscal year 2021 · full schema · 31 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Landen · 2 establishment units since 2020

establishment All 2 establishment units on the map

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.

Kerkstraat 113400 Landen

Ground area

8,835 m²

Building footprint

7,483 m²

Volume, LiDAR

134,588 m³

3 parcels, Brussels, Flanders, Wallonia · tallest building 33.9 m, ±5 floors. Linked by address, not a title deed.

2 establishment units

ENTRE CIEL ET TERRE

Place de la République-Française 35, 4000 LiègeWholesale of other household goods

since 20202.310.986.693

ENTRE CIEL ET TERRE

Tervurenlaan 38, 1040 EtterbeekWholesale of other household goods

since 20242.354.183.466

3 parcels

Flanders 1 (33.3%) Wallonia 1 (33.3%) Brussels 1 (33.3%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62063A1032/00K000	Wallonia	5,248 m²	1 · 5,527 m²	33.9 m · 5 fl.
21005A0576/00G002 ProtectedArchitectural ensembleGeheel van eclectische huizenSource ↗	Brussels	3,287 m²	1 · 1,858 m²	27.9 m · 2 fl.
24059A1399/00L000	Flanders	300 m²	1 · 98 m²	10.9 m · 3 fl.