U&M Trans
ActiveU&M Trans has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €383k and a net result of €109k. Equity is growing by ~39.9% per year across the filed fiscal years. Its solvency ranks better than 35% of 1769 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
78
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency54=
Growth78=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.38 against 1.32 in 2024), and 70.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 49
Relative position
BE, all sectors
reference
Sector 49
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
29.2%
Return on assets
8.3%
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 21-07-2026, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
25 d late
2023
78 d early
2022
8 d early
2021
60 d late
2020
41 d late
2019
on the day
← 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
06-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€383k▲ 46.5%
2024 · €262k
2019: €18k
2020: €81k
2021: €114k
2022: €140k
2023: €93k
2024: €262k
2019 → 2025
Total assets
€1.31M▲ 51.8%
2024 · €866k
2019: €195k
2020: €233k
2021: €382k
2022: €628k
2023: €553k
2024: €866k
2019 → 2025
Net result
€109k▼ 35.2%
2024 · €168k
2019: €10k
2020: €73k
2021: €33k
2022: €26k
2023: €-47k
2024: €168k
2019 → 2025
Working capital
€178k▲ 27.8%
2024 · €139k
2019: €26k
2020: €23k
2021: €31k
2022: €26k
2023: €-364
2024: €139k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€114k-€140k▲ 22.5%€93k▼ 33.5%€262k▲ 181%€383k▲ 46.5%
Operating result€72k-€77k▲ 6.9%€52k▼ 32.7%€201k▲ 289%€189k▼ 5.9%
Net result€33k-€26k▼ 22.2%€-47k€168k€109k▼ 35.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.31M
Fixed assets
€667k▲ 130%
Current assets
€647k▲ 12.5%
Equity and liabilities €1.31M
Equity
€383k▲ 46.5%
Debt
€931k▲ 54.1%
The debt ratio rises from 69.8% to 70.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€263k▼
2024 · €269k
Cash flow
€183k▼
2024 · €237k
Solvency
29.2%▼
2024 · 30.2%
Current ratio
1.38▲
2024 · 1.32
Quick ratio
1.38▲
2024 · 1.32
Debt / equity
2.43▲
2024 · 2.31
ROE
28.5%▼
2024 · 64.4%
ROA
8.3%▼
2024 · 19.5%
Interest coverage
8.94▼
2024 · 14.31
Debt
€931k▲
2024 · €604k
Debt ≤ 1 year
€469k▲
2024 · €436k
Debt > 1 year
€462k▲
2024 · €168k
Income taxes
€51k▲
2024 · €14k
Staff costs
€1.06M▲
2024 · €1.01M
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
Total assets20/58€866k€1.31M▲
Fixed assets21/28€290k€667k▲
Tangible fixed assets22/27€287k€663k▲
Financial fixed assets28€4k€4k=
Current assets29/58€575k€647k▲
Amounts receivable within one year40/41€431k€473k▲
Investments50/53-€95k
Cash & bank54/58€144k€75k▼
Total equity & liabilities10/49€866k€1.31M▲
Equity10/15€262k€383k▲
Contributions / capital10/11€6k€19k▲
Reserves13€255k€364k▲
Amounts payable17/49€604k€931k▲
Amounts payable after one year17€168k€462k▲
Amounts payable within one year42/48€436k€469k▲
Trade debts payable within one year44€143k€130k▼
Income statement
Code20242025
Gross operating margin9900€1.34M€1.39M▲
Operating result9901€201k€189k▼
Financial income75€380€137▼
Financial charges65€19k€29k▲
Result before taxes9903€183k€160k▼
Income taxes67/77€14k€51k▲
Net result for the period9904€168k€109k▼
Result to be appropriated9905€168k€109k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
05-11
State Gazette act
Director changes
v3.2
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 25 days late
2024
31-12
Financial
Back to profitnet €168k
Net result €168k after one loss-making year.
31-12
Financial
Equity above €200kEq €262k ▲181%
Equity rises from €93k to €262k.
14-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-47k ▼283%
Net result drops to €-47k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
09-01
State Gazette act
Registered-office change
v3.2
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
31-12
Financial
Equity above €100kEq €114k ▲40.6%
3 profitable years in a row build equity to €114k.
10-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 41 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
25-05
State Gazette act
Director changes
v3.2
26-01
State Gazette act
Incorporation
oprichting
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
no sitting director, last change in 2016
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
28-03-2016
Resigned as Manager
Not every act has been read: a resignation may be missing here
4 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Heusden-Zolder · 1 establishment unit since 2016
Ground area
3,427 m²
Building footprint
1,917 m²
Volume, LiDAR
9,923 m³
Parcel 71502C0385/00W000, Flanders · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
U&M Trans
since 20162.250.669.125
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71502C0385/00W000indicative | Flanders | 3,427 m² | 1 · 1,916 m² | 11.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BE 0423.964.432
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ONE WAY EXPRESS
BE 0735.374.519
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Transspeed
BE 0449.282.620
Ieper · Eq €383k
EUROMONDIAL
BE 0886.435.389
Antwerpen · Eq €384k
Of 12,431 companies in sector 49410 we hold annual accounts for 7,955. 5,464 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded22-01-2016
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 02-09-2026. Scores and ratios are computed by Checked and are not a credit decision.