U.D.F.
ActiveU.D.F. has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €282k and a net result of €-21k. Equity is shrinking by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 66% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-21
Solvency86=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.46 against 2.46 in 2024; short-term debt: 38.5% and cash: 14.7% of total assets), and 38.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
7 d late
2023
27 d late
2022
3 d late
2021
22 d late
2020
19 d late
2019
32 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-21k
2024 · €5k
2018: €-60k
2019: €-166k
2020: €-22k
2021: €-285k
2022: €305k
2023: €-241k
2024: €5k
2018 → 2025
Working capital
€259k▼ 7.2%
2024 · €278k
2018: €-6k
2019: €-267k
2020: €-252k
2021: €-607k
2022: €520k
2023: €279k
2024: €278k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€318k-€537k▲ 69.0%€297k▼ 44.8%€302k▲ 1.9%€282k▼ 6.7%
Operating result€-246k-€316k€-243k€9k€-11k
Net result€-285k-€305k€-241k€5k€-21k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €460k
Fixed assets
€24k▼ 2.3%
Current assets
€436k▼ 7.1%
Equity and liabilities €460k
Equity
€282k▼ 6.7%
Provisions
€970▼ 31.0%
Debt
€177k▼ 6.9%
The debt ratio stays at 38.5%.
Key figures and ratios
EBITDA
€-11k▼
2024 · €10k
Cash flow
€-20k▼
2024 · €5k
Solvency
61.3%▲
2024 · 61.2%
Current ratio
2.46▼
2024 · 2.46
Quick ratio
0.60▼
2024 · 0.67
Debt / equity
0.63▼
2024 · 0.63
ROE
-7.3%▼
2024 · 1.7%
ROA
-4.5%▼
2024 · 1.0%
Interest coverage
-1.28▼
2024 · 1.62
Debt
€177k▼
2024 · €190k
Debt ≤ 1 year
€177k▼
2024 · €190k
Income taxes
€780▼
2024 · €792
Staff costs
€409k▼
2024 · €445k
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€494k€460k▼
Fixed assets21/28€25k€24k▼
Tangible fixed assets22/27€25k€24k▼
Land and buildings22€25k€24k▼
Current assets29/58€469k€436k▼
Stocks and contracts in progress3€342k€329k▼
Stocks30/36€342k€329k▼
Amounts receivable within one year40/41€80k€39k▼
Trade receivables40€74k€39k▼
Other amounts receivable41€6k-
Current investments50/53€2k-
Cash at bank and in hand54/58€45k€68k▲
Equity and liabilities
Total equity and liabilities10/49€494k€460k▼
Equity10/15€302k€282k▼
Contributions10/11€19k€19k=
Reserves13€488k€488k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€35k€35k=
Distributable reserves133€452k€452k=
Profit (loss) carried forward14€-210k€-229k▼
Investment grants15€5k€4k▼
Provisions and deferred taxes16€1k€970▼
Deferred taxes168€1k€970▼
Amounts payable17/49€190k€177k▼
Amounts payable within one year42/48€190k€177k▼
Trade debts44€133k€88k▼
Suppliers440/4€133k€88k▼
Taxes, remuneration and social security45€58k€68k▲
Taxes450/3-€2k
Remuneration and social security454/9€58k€66k▲
Other amounts payable47/48-€21k
Income statement
Code20242025
Non-recurring operating income76A€33k-
Remuneration, social security and pensions62€445k€409k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€212€579▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-21k€-10k▲
Other operating charges640/8€10k€10k▼
Gross operating margin9900€444k€398k▼
Operating profit (loss)9901€9k€-11k▼
Financial income75/76B€2k-
Recurring financial income75€2k-
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€6k€-20k▼
Income taxes67/77€792€780▼
Profit (loss) for the period9904€5k€-21k▼
Transfer from tax-exempt reserves789€1k€1k=
Profit (loss) for the period to be appropriated9905€6k€-19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-210k€-229k▼
Profit (loss) brought forward from the previous period14P€-216k€-210k▲
The notes to these accounts (6 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
31-12
Financial
Back to profitnet €305k
Net result €305k after 4 loss-making years.
31-12
Financial
Liquidity times 18current ratio 7.70
Current ratio from 0.42 to 7.70; short-term debt falls from €1.04M to €78k.
31-12
Financial
Equity above €500kEq €537k ▲69%
Equity rises from €318k to €537k.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 22 days late
2021
31-12
Financial
Weakest financial yearnet €-285k
Net result drops to €-285k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 19 days late
2020
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 32 days late
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 2 days late
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Oupeye · 2 establishment units since 1998
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.
Rue de Fexhe Slins 654680 OupeyeGround area
8,180 m²
Building footprint
3,162 m²
Volume, LiDAR
18,004 m³
2 parcels, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
USINE DE FREINAGE
since 19982.089.150.069
Rue de Hermée 227, 4040 Herstal
since 20172.266.758.653
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62312A0331/00G000 | Wallonia | 6,222 m² | 1 · 2,109 m² | 6.6 m · 2 fl. |
| 62050B0761/00K000 | Wallonia | 1,958 m² | 1 · 1,053 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
BSA fiduciaire
BE 0460.494.830
Tournai · Eq €281k
BEXEM
BE 0658.940.004
Rotselaar · Eq €283k
B.W. FIX
BE 0428.410.693
Brussel · Eq €284k
L.K. SYSTEMS
BE 0450.543.323
Londerzeel · Eq €284k
S.K.S
BE 0888.133.879
Antwerpen · Eq €285k
Of 1,565 companies in sector 46900 we hold annual accounts for 920. 672 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-09-1998
Fiscal year end31-12
Activities, NACEBEL
25530Machining of metals
28520
46900Non-specialised wholesale trade
51900
45310
46720Wholesale of motor vehicle parts and accessories
50301
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.