L&T UNIVERSAL
ActiveThe computed 12-month bankruptcy probability of L&T UNIVERSAL is 2.0% (moderate). The 2025 annual accounts show equity of €22k and a net result of €17k. Its solvency ranks better than 60% of 1291 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
100
/ 100
Excellent▲ +40 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency93▲+64
Growth78
Stability94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.81 against 1.24 in 2024), and 45% of the assets are financed with debt.
Credit advice 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 33
Relative position
BE, all sectors
reference
Sector 33
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
55%
Return on assets
43.9%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 2 filingsDeviation from the deadline
2025
26 d late
2024
5 d late
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▲ 393%
2024 · €4k
2024: €4k
2024 → 2025
Total assets
€40k▲ 73.2%
2024 · €23k
2024: €23k
2024 → 2025
Net result
€17k▲ 343%
2024 · €4k
2024: €4k
2024 → 2025
Working capital
€14k▲ 227%
2024 · €4k
2024: €4k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€4k-€22k▲ 393%
Operating result€11k-€27k▲ 146%
Net result€4k-€17k▲ 343%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 146% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €40k
Fixed assets
€7k
Current assets
€32k
Equity and liabilities €40k
Equity
€22k▲ 393%
Debt
€18k▼ 3.4%
The debt ratio falls from 80.7% to 45.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€28k
Cash flow
€19k
Solvency
55.0%▲
2024 · 19.3%
Current ratio
1.81▲
2024 · 1.24
Quick ratio
1.81▲
2024 · 1.24
Debt / equity
0.82▼
2024 · 4.18
ROE
79.7%▼
2024 · 88.7%
ROA
43.9%▲
2024 · 17.1%
Interest coverage
8.04
Debt
€18k▼
2024 · €18k
Debt ≤ 1 year
€18k▼
2024 · €18k
Income taxes
€6k▲
2024 · €2k
Staff costs
€2k▲
2024 · €320
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€23k€40k▲
Fixed assets21/28-€7k
Tangible fixed assets22/27-€7k
Land and buildings22-€3k
Plant, machinery and equipment23-€5k
Current assets29/58€23k€32k▲
Amounts receivable within one year40/41€22k€24k▲
Trade receivables40€7k€13k▲
Other amounts receivable41€14k€11k▼
Cash at bank and in hand54/58€1k€8k▲
Equity and liabilities
Total equity and liabilities10/49€23k€40k▲
Equity10/15€4k€22k▲
Contributions10/11€500€500=
Profit (loss) carried forward14€4k€21k▲
Amounts payable17/49€18k€18k▼
Amounts payable within one year42/48€18k€18k▼
Trade debts44€8k€7k▼
Suppliers440/4€8k€7k▼
Taxes, remuneration and social security45€10k€10k▼
Taxes450/3€10k€10k▼
Income statement
Code20242025
Remuneration, social security and pensions62€320€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€2k
Other operating charges640/8€3k€2k▼
Gross operating margin9900€14k€32k▲
Operating profit (loss)9901€11k€27k▲
Financial income75/76B€81€0▼
Recurring financial income75€81€0▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€6k€23k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€4k€17k▲
Profit (loss) for the period to be appropriated9905€4k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€21k▲
Profit (loss) brought forward from the previous period14P-€4k
The notes to these accounts (5 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
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
NBB filing
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, Gent · 1 establishment unit since 2023
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.
Oktrooiplein 19000 GentGround area
1,619 m²
Building footprint
1,590 m²
Volume, LiDAR
9,034 m³
Parcel 44807G0728/02L013, Flanders · tallest building 18.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
L&T UNIVERSAL
since 20232.345.360.030
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44807G0728/02L013 | Flanders | 1,619 m² | 1 · 1,590 m² | 18.6 m · 1 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 108 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 108 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,705 companies in sector 33120 we hold annual accounts for 1,335. 874 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-05-2023
Fiscal year end31-12
Activities, NACEBEL
33120Repair and maintenance of machinery
33110Repair and maintenance of fabricated metal products
41001General construction of residential buildings
56301Cafés and bars
77229Renting and leasing of other personal and household goods
77299Rental and leasing activities
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.