U.M.A.
ActiveU.M.A. has been active since 1917 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €315k and a net result of €12k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 95% of 13061 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
89
/ 100
Excellent▲ +13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▲+11
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 10.8 against 25.28 in 2024), and 6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
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
94%
Return on assets
3.6%
Age of the figures
8 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
29 d late
2023
29 d late
2022
21 d early
2021
11 d early
2020
31 d late
2019
20 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
€315k▲ 4.0%
2024 · €303k
2018: €202k
2019: €351k
2020: €337k
2021: €337k
2022: €312k
2023: €299k
2024: €303k
2018 → 2025
Total assets
€336k▲ 7.9%
2024 · €311k
2018: €215k
2019: €403k
2020: €385k
2021: €345k
2022: €320k
2023: €307k
2024: €311k
2018 → 2025
Net result
€12k▲ 158%
2024 · €5k
2018: €-20k
2019: €159k
2020: €-13k
2021: €131
2022: €-25k
2023: €-14k
2024: €5k
2018 → 2025
Working capital
€197k▲ 6.9%
2024 · €184k
2018: €60k
2019: €236k
2020: €224k
2021: €223k
2022: €198k
2023: €184k
2024: €184k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€337k-€312k▼ 7.4%€299k▼ 4.4%€303k▲ 1.6%€315k▲ 4.0%
Operating result€222-€-26k€-14k▲ 45.2%€-8k▲ 46.4%€2k
Net result€131-€-25k€-14k▲ 45.2%€5k€12k▲ 158%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €2k after a loss of €8k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €336k
Fixed assets
€118k▼ 0.6%
Current assets
€217k▲ 13.2%
Equity and liabilities €336k
Equity
€315k▲ 4.0%
Debt
€20k▲ 165%
The debt ratio rises from 2.4% to 6.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€3k▲
2024 · €-7k
Cash flow
€13k▲
2024 · €5k
Solvency
94.0%▼
2024 · 97.6%
Current ratio
10.80▼
2024 · 25.28
Quick ratio
10.76▼
2024 · 25.22
Debt / equity
0.06▲
2024 · 0.03
ROE
3.8%▲
2024 · 1.5%
ROA
3.6%▲
2024 · 1.5%
Interest coverage
2.23▲
2024 · -3.97
Debt
€20k▲
2024 · €8k
Debt ≤ 1 year
€20k▲
2024 · €8k
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€311k€336k▲
Fixed assets21/28€119k€118k▼
Tangible fixed assets22/27€119k€118k▼
Land and buildings22€113k€113k=
Plant, machinery and equipment23€6k€5k▼
Current assets29/58€192k€217k▲
Stocks and contracts in progress3€455€850▲
Stocks30/36€455€850▲
Amounts receivable within one year40/41€8k€19k▲
Trade receivables40€6k€15k▲
Other amounts receivable41€2k€4k▲
Current investments50/53€170k€184k▲
Cash at bank and in hand54/58€13k€13k▼
Deferred charges and accrued income490/1€914€739▼
Equity and liabilities
Total equity and liabilities10/49€311k€336k▲
Equity10/15€303k€315k▲
Contributions10/11€19k€19k=
Revaluation surpluses12€43k€43k=
Reserves13€121k€121k=
Distributable reserves133€121k€121k=
Profit (loss) carried forward14€121k€133k▲
Amounts payable17/49€8k€20k▲
Amounts payable within one year42/48€8k€20k▲
Trade debts44€7k€17k▲
Suppliers440/4€5k€14k▲
Bills of exchange payable441€2k€3k▲
Taxes, remuneration and social security45€32€3k▲
Taxes450/3€32€3k▲
Other amounts payable47/48€564-
Income statement
Code20242025
Remuneration, social security and pensions62€115-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€455€738▲
Other operating charges640/8€6k€6k▲
Gross operating margin9900€-1k€9k▲
Operating profit (loss)9901€-8k€2k▲
Financial income75/76B€14k€11k▼
Recurring financial income75€14k€11k▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€5k€12k▲
Profit (loss) for the period9904€5k€12k▲
Profit (loss) for the period to be appropriated9905€5k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€121k€133k▲
Profit (loss) brought forward from the previous period14P€116k€121k▲
The notes to these accounts (4 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-25k ▼19063%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €131
Net result €131 after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 29.13
Current ratio from 5.68 to 29.13; short-term debt falls from €48k to €8k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
31-12
Financial
Back to profitnet €159k
Net result €159k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Liège
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.
Avenue Maurice-Destenay 64000 LiègeGround area
1,024 m²
Building footprint
509 m²
Volume, LiDAR
18,311 m³
Parcel 62803A1362/00Z000, Wallonia · tallest building 38.7 m, ±12 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62803A1362/00Z000 | Wallonia | 1,024 m² | 1 · 509 m² | 38.6 m · 12 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.
Recognitions · licences · registrations
Legal Entity Identifier
222100BH4AJC3P3BRS08
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Of 13,832 companies in sector 56301 we hold annual accounts for 4,808. 2,524 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-04-1917
Fiscal year end31-12
Activities, NACEBEL
55401
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 49 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.