U-Man-Tech
ActiveSummary
U-Man-Tech has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64,221 and a net result of €13,806. Equity is growing by ~15.7% per year across the filed fiscal years. Its solvency ranks better than 47% of 17220 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability84▼-3
Solvency82▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days acceptable
Liquidity short (current ratio 0.61 against 1.06 in 2024; short-term debt: 26.8% and cash: 1.9% of total assets), and 43.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 19-09-2025, 42 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
42 d early
2024
13 d early
2023
25 d early
2022
3 d early
2021
17 d early
2020
39 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 23 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 14 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close29-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€64,221▼ 2.2%
2024 · €65,686
Total assets
€113,646▼ 0.4%
2024 · €114,139
Net result
€13,806▼ 16.4%
2024 · €16,514
Working capital
-€11,888
2024 · €1,630
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€22,546▲ 20.8%€28,345▲ 25.7%€14,621▼ 48.4%€25,395▲ 73.7%€22,820▼ 10.1%
Net result€18,999within the sector's middle half▲ 41.2%€21,048within the sector's middle half▲ 10.8%€9,181within the sector's middle half▼ 56.4%€16,514within the sector's middle half▲ 79.9%€13,806within the sector's middle half▼ 16.4%
Equity€37,842within the sector's middle half▲ 101%€58,090within the sector's middle half▲ 53.5%€57,171within the sector's middle half▼ 1.6%€65,686within the sector's middle half▲ 14.9%€64,221within the sector's middle half▼ 2.2%
Total assets€52,792below the sector's middle half▲ 20.3%€75,247within the sector's middle half▲ 42.5%€118,366within the sector's middle half▲ 57.3%€114,139within the sector's middle half▼ 3.6%€113,646within the sector's middle half▼ 0.4%
Debt€14,950▼ 40.3%€17,157▲ 14.8%€61,195▲ 257%€48,454▼ 20.8%€49,425▲ 2.0%
Working capital€31,060within the sector's middle half▲ 133%€51,166within the sector's middle half▲ 64.7%€2,461below the sector's middle half▼ 95.2%€1,630below the sector's middle half▼ 33.8%-€11,888below the sector's middle half
Solvency71.7%within the sector's middle half▲ 28.7pp77.2%within the sector's middle half▲ 5.5pp48.3%within the sector's middle half▼ 28.9pp57.5%within the sector's middle half▲ 9.2pp56.5%within the sector's middle half▼ 1.0pp
Current ratio3.87within the sector's middle half▲ 2.083.98within the sector's middle half▲ 0.121.06below the sector's middle half▼ 2.921.06below the sector's middle half=0.61below the sector's middle half▼ 0.45
Return on assets (ROA)36.0%above the sector's middle half▲ 5.3pp28.0%within the sector's middle half▼ 8.0pp7.8%within the sector's middle half▼ 20.2pp14.5%within the sector's middle half▲ 6.7pp12.1%within the sector's middle half▼ 2.3pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €113,646
Fixed assets
€95,076 ▲ 11.3%
Current assets
€18,570 ▼ 35.3%
Equity and liabilities €113,646
Equity
€64,221 ▼ 2.2%
Debt
€49,425 ▲ 2.0%
Debt's share of the balance-sheet total rises from 42.5% to 43.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€30,992▼
2024 · €36,074
Cash flow
€21,978▼
2024 · €27,194
Debt to equity
0.77▲
2024 · 0.74
ROE
21.5%▼
2024 · 25.1%
Interest coverage
21.37▼
2024 · 22.98
Debt ≤ 1 year
€30,458▲
2024 · €27,062
Debt > 1 year
€18,579▼
2024 · €20,821
Income taxes
€7,564▲
2024 · €7,310
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,031 | €3,966 | €4,313 | €10,679 | €8,172 | ▼ 23.5% |
| Other operating charges640/8 | - | €150 | €385 | €283 | €1,302 | ▲ 361% |
| Gross operating margin9900 | €27,953 | €32,461 | €19,320 | €36,356 | €32,295 | ▼ 11.2% |
| Operating profit (loss)9901 | €22,546 | €28,345 | €14,621 | €25,395 | €22,820 | ▼ 10.1% |
| Financial income75/76B | - | - | - | €0 | - | - |
| Recurring financial income75 | - | - | - | €0 | - | - |
| Financial charges65/66B | - | €255 | €354 | €1,570 | €1,450 | ▼ 7.6% |
| Recurring financial charges65 | €300 | €255 | €354 | €1,570 | €1,450 | ▼ 7.6% |
| Profit (loss) for the period before taxes9903 | €22,247 | €28,089 | €14,268 | €23,824 | €21,370 | ▼ 10.3% |
| Income taxes67/77 | €3,248 | €7,042 | €5,086 | €7,310 | €7,564 | ▲ 3.5% |
| Profit (loss) for the period9904 | €18,999 | €21,048 | €9,181 | €16,514 | €13,806 | ▼ 16.4% |
| Profit (loss) for the period to be appropriated9905 | €18,999 | €21,048 | €9,181 | €16,514 | €13,806 | ▼ 16.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €52,792 | €75,247 | €118,366 | €114,139 | €113,646 | ▼ 0.4% |
| Fixed assets21/28 | €10,890 | €6,923 | €77,660 | €85,448 | €95,076 | ▲ 11.3% |
| Intangible fixed assets21 | €0 | €0 | - | - | - | - |
| Tangible fixed assets22/27 | €10,890 | €6,923 | €77,660 | €85,448 | €95,076 | ▲ 11.3% |
| Land and buildings22 | - | - | €70,883 | €67,327 | €63,771 | ▼ 5.3% |
| Furniture and vehicles24 | - | €6,923 | €6,776 | €18,121 | €31,305 | ▲ 72.8% |
| Current assets29/58 | €41,902 | €68,323 | €40,706 | €28,692 | €18,570 | ▼ 35.3% |
| Amounts receivable within one year40/41 | €12,497 | €12,201 | €13,330 | €23,929 | €11,598 | ▼ 51.5% |
| Trade receivables40 | - | €12,201 | €13,330 | €21,141 | €11,598 | ▼ 45.1% |
| Other amounts receivable41 | - | €0 | - | €2,788 | - | - |
| Cash at bank and in hand54/58 | €28,973 | €54,686 | €26,302 | €3,141 | €2,117 | ▼ 32.6% |
| Deferred charges and accrued income490/1 | - | €1,436 | €1,074 | €1,622 | €4,855 | ▲ 199% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €52,792 | €75,247 | €118,366 | €114,139 | €113,646 | ▼ 0.4% |
| Equity10/15 | €37,842 | €58,090 | €57,171 | €65,686 | €64,221 | ▼ 2.2% |
| Contributions10/11 | - | €6,200 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | €31,642 | €51,890 | €38,571 | €47,086 | €45,621 | ▼ 3.1% |
| Amounts payable17/49 | €14,950 | €17,157 | €61,195 | €48,454 | €49,425 | ▲ 2.0% |
| Amounts payable after more than one year17 | €4,108 | €0 | €22,950 | €20,821 | €18,579 | ▼ 10.8% |
| Financial debts170/4 | - | €0 | €22,950 | €20,821 | €18,579 | ▼ 10.8% |
| Amounts payable within one year42/48 | €10,841 | €17,157 | €38,245 | €27,062 | €30,458 | ▲ 12.6% |
| Current portion of amounts payable after more than one year42 | - | €4,108 | €2,050 | €2,129 | €2,232 | ▲ 4.8% |
| Trade debts44 | €2,410 | €4,736 | €1,480 | €2,999 | €2,238 | ▼ 25.4% |
| Suppliers440/4 | - | €4,736 | €1,480 | €2,999 | €2,238 | ▼ 25.4% |
| Taxes, remuneration and social security45 | - | €5,719 | €10,576 | €6,465 | €8,502 | ▲ 31.5% |
| Taxes450/3 | - | €5,719 | €7,428 | €1,065 | €8,502 | ▲ 698% |
| Remuneration and social security454/9 | - | €0 | €3,148 | €5,400 | - | - |
| Other amounts payable47/48 | - | €2,593 | €24,139 | €15,468 | €17,486 | ▲ 13.0% |
| Accrued charges and deferred income492/3 | - | - | - | €571 | €388 | ▼ 32.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18,999 | €21,048 | €9,181 | €16,514 | €13,806 | ▼ 16.4% |
| + Depreciation and write-downs630 | €4,031 | €3,966 | €4,313 | €10,679 | €8,172 | ▼ 23.5% |
| Operating cash flow (approximation) | €23,029 | €25,014 | €13,495 | €27,194 | €21,978 | ▼ 19.2% |
| Investment in fixed assets (approximation) | - | €0 | -€75,050 | -€18,467 | -€17,800 | ▲ 3.6% |
| Change in cash | - | €25,713 | -€28,383 | -€23,161 | -€1,024 | ▲ 95.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
19-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
18-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
06-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet €9,181 ▼56.4%
Net result drops to €9,181, the lowest in the series; recovery starts the following year.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Highest result since 2020net €21,048 ▲10.8%
Operating result €28,345, net result €21,048, both a record.
2021
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Liquidity doublescurrent ratio 3.87
Current ratio from 1.79 to 3.87; short-term debt falls from €16,888 to €10,841.
2020
22-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Wavre · 1 establishment unit since 2019
Ground area
863 m²
Building footprint
112 m²
Volume, LiDAR
721 m³
Parcel 25772H0069/00X000, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
U-Man-Tech
since 20192.285.968.217
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25772H0069/00X000 | Wallonia | 862 m² | 1 · 112 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 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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Of 30,009 companies in sector 62200 we hold annual accounts for 18,399. 15,503 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded01-03-2019
Fiscal year end31-03
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
46190Agents in non-specialised wholesale trade
62900Other information technology and computer services
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
82990Other business support services
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0721784621
Also
9925:BE0721784621
Registered
20-11-2020
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.