Equity
-€8,904
Debts exceed assets in financial year 2025.
Notre Univers
Overview
Lifetime
7 annual accounts with figures on one time axis, 8 filings since 2016peak €0 (2018)
-€1,390▲ €210
lowest -€3,313 (2019)
-€1,544▲ €197
peak €7,033 (2016)
-€8,904▼ €1,544
€8,907▲ 21.0%
Documentsfilings and deeds
25-07-20266 days before the deadline
2025abbreviated format
Gross margin from -€1,600 to -€1,390Loss of €1,544Equity from -€7,359 to -€8,904Debts from €7,361 to €8,907Cash from €2 to €4
Key points
from the 2025 annual accountsChecked score
53
Fair
Financially stronger than 15% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 6.6%
01-2025: 9.0%▲ +2.4 percentage points vs 12-2024
02-2025: 9.0%● unchanged vs 01-2025
03-2025: 9.2%▲ +0.2 percentage points vs 02-2025
04-2025: 8.8%▼ -0.4 percentage points vs 03-2025
05-2025: 8.8%● unchanged vs 04-2025
06-2025: 8.7%▼ -0.1 percentage points vs 05-2025
07-2025: 8.7%● unchanged vs 06-2025
08-2025: 10.4%▲ +1.7 percentage points vs 07-2025highest value
09-2025: 1.8%▼ -8.6 percentage points vs 08-2025
10-2025: 1.8%● unchanged vs 09-2025
11-2025: 1.8%● unchanged vs 10-2025
12-2025: 1.8%● unchanged vs 11-2025
01-2026: 1.3%▼ -0.5 percentage points vs 12-2025
02-2026: 1.3%● unchanged vs 01-2026
03-2026: 1.3%● unchanged vs 02-2026
04-2026: 1.3%● unchanged vs 03-2026
05-2026: 1.3%● unchanged vs 04-2026
06-2026: 1.3%● unchanged vs 05-2026
07-2026: 1.4%▲ +0.1 percentage points vs 06-2026
08-2026: 1.3%▼ -0.1 percentage points vs 07-2026
09-2026: 1.3%● unchanged vs 08-2026
10-2026: 1.2%▼ -0.1 percentage points vs 09-2026lowest value
11-2026: 1.2%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€8,904
Loss of €1,544, the second in a row (financial year 2025)
No registered site in the KBO
lowers risk
Size: total assets €4
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 5% of them on solvency, 35% on liquidity, 4% on profitability and 17% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,907 companies had the same profile as Notre Univers has now. Each dot stands for 18 companies, two years later.
85.5%
were still trading
8.1%
stopped another way
5.8%
went bankrupt
Another 0.6% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Notre Univers itself is lower: 1.2% within 12 months. It rests on far more data about Notre Univers than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,907 companies, not a prediction for Notre Univers. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
The balance sheet total is too small for a liquidity verdict. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
181922232425
2018 to 2025 · latest year -€8,904
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 25-07-2026, 6 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
6 days early
2024
4 days late
2023
7 days late
2022
32 days early
2019
119 days late
2018
124 days late
2017
90 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 44 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 4 August (4 of the last 5 accounts filed within 36 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Official details
Source: KBO- Status
- Active since 06-02-2015Normal situation
- Activity
- No activity registered in the KBO
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Annual accounts 2025
- -€1,390▲ 13.1%
- €1,544▼ 11.3%
- -€8,904▼ 21.0%
- €4▲ 89.2%
- Filing
- Filed on 25-07-2026, 6 days before the end of the filing period
Insights on Notre Univers
Notre Univers files the abbreviated format. That format states no turnover. The gross margin fell from -€1,255 in 2016 to -€1,390 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
abbreviated format, filed on 25-07-2026, 6 days before the deadline-€1,390
▲ €210
-€1,390
▲ €210
-
-
-
-
Balance sheet
balance sheet total €4 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2022 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||||
20/58 |
4 | 2 | 12 | 3,581 | 6,894 | 6,894 | 8,288 | |
29/58 |
4 | 2 | 12 | 3,581 | 6,894 | 6,894 | 8,288 | |
54/58 |
4 | 2 | 12 | 3,581 | 6,894 | 6,894 | 8,288 | |
| Balance sheet: equity and liabilities | ||||||||
10/49 |
4 | 2 | 12 | 3,581 | 6,894 | 6,894 | 8,288 | |
10/15 |
-8,904 | -7,359 | -3,740 | 2,326 | 5,639 | 5,639 | 7,033 | |
10/11 |
12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | |
10 |
12,400 | 12,400 | 12,400 | - | - | - | - | |
100 |
18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | |
101 |
6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | |
14 |
-21,304 | -19,759 | -16,140 | -10,074 | -6,761 | -6,761 | -5,367 | |
17/49 |
8,907 | 7,361 | 3,752 | 1,255 | 1,255 | 1,255 | 1,255 | |
42/48 |
8,907 | 7,361 | 3,752 | 1,255 | 1,255 | 1,255 | 1,255 | |
44 |
- | - | 61 | - | - | - | - | |
440/4 |
- | - | 61 | - | - | - | - | |
47/48 |
8,907 | 7,361 | 3,691 | 1,255 | 1,255 | 1,255 | 1,255 | |
| Income statement | ||||||||
70 |
- | - | - | - | 0 | 0 | 0 | |
9900 |
-1,390 | -1,600 | -1,729 | -3,313 | 0 | -1,394 | -1,255 | |
60/61 |
- | - | - | 3,313 | 0 | 1,394 | 1,255 | |
9901 |
-1,390 | -1,600 | -1,729 | -3,313 | - | -1,394 | -1,255 | |
65/66B |
154 | 140 | 141 | - | - | - | - | |
65 |
154 | 140 | 141 | - | - | - | - | |
9903 |
-1,544 | -1,741 | -1,871 | -3,313 | - | -1,394 | -1,255 | |
9904 |
-1,544 | -1,741 | -1,871 | -3,313 | - | -1,394 | -1,255 | |
9905 |
-1,544 | -1,741 | -1,871 | -3,313 | - | -1,394 | -1,255 | |
| Appropriation of the result | ||||||||
9906 |
-21,304 | -19,759 | -16,140 | -10,074 | -6,761 | -6,761 | -5,367 | |
14P |
-19,759 | -18,019 | -14,270 | - | - | - | - | |
| Document | ||||||||
Source: Annual accounts 2025 at the NBB, filed on 25-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 25-07-2026 | 2026-00331940 | |
| 31-12-2024 | micro format | 04-08-2025 | 2025-00362210 | |
| 31-12-2023 | micro format | 07-08-2024 | 2024-00338163 | |
| 31-12-2022 | micro format | 29-06-2023 | 2023-00173968 | |
| 31-12-2019 | full format | 27-11-2020 | 2020-72700368 | |
| 31-12-2018 | full format | 02-12-2019 | 2019-75300373 | |
| 31-12-2017 | full format | 29-10-2018 | 2018-71100273 | |
| 31-12-2016 | full format | 11-10-2017 | 2017-66900288 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2022 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| 2 | - | - | -3,313 | 0 | -1,394 | - | ||
| -8,904 | -7,359 | -3,740 | 2,326 | 5,639 | 5,639 | 7,033 | ||
| - | - | - | - | 81.8% | 81.8% | 84.9% | ||
| - | - | - | - | 5.49 | 5.49 | 6.60 | ||
| - | - | - | - | 0.22 | 0.22 | 0.18 | ||
| - | - | - | - | - | -24.7% | -17.8% | ||
| - | - | - | - | - | -20.2% | -15.1% |
EBIT margin: not included in this filing.
The ratios are withheld because a balance sheet total of €4 is too small for a meaningful ratio.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on Notre Univers
The operating result for 2025 is a loss of €1,390, smaller than the loss of €1,600 in 2024.
Equity is negative. Debt (€8,907) exceeds the balance-sheet total (€4).
Timeline
Timeline
10 events since 2015Filings
Financial
201620182020202220242026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBabbreviated format · 6 days before the deadline
2025
Annual accounts 2024 filed PDFmicro format · 4 days late
2024
Annual accounts 2023 filed PDFmicro format · 7 days late
2023
Annual accounts 2022 filed PDFmicro format · 32 days before the deadline
2020
Annual accounts 2019 filed PDFfull format · 119 days late
2019
Weakest financial year net -€3,313 The net result drops to -€3,313, the lowest from 2016 to 2025. It recovers the following year.
Annual accounts 2018 filed PDFfull format · 124 days late
2018
Annual accounts 2017 filed PDFfull format · 90 days late
2017
Annual accounts 2016 filed PDFfull format · 72 days late
2015
Incorporation PDFpublished on 10-02-2015
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0597.768.933
- VAT number
- BE 0597.768.933
- Legal form
- Private limited company (pre-2019)
- Status
- Active, normal situation
- Founded
- 06-02-2015
- Financial year
- ends on 31 December
- Peppol
- Not found in the Peppol Directory
- Name
- Notre Univers in French
- Entity type
- Legal entity
Registered office and establishments
| Route de Blaimont, H.-par-delà 106 registered office 5541 Hastière |
Buildings and parcels at the address
- Ground area
- 2,242 m²
- Buildings
- 242 m²
- Volume, LiDAR
- 3,605 m³
- Tallest building
- 18.8 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 91062A0162/00L000 | 2,242 m² | 1 · 242 m² | 18.8 m · 5 |