Active BE 0436.450.807Public limited company

UBEMA

Hendrik Consciencestraat 32 ·2970 Schilde, Belgium· 37 yrs active

Conclusion Checked

The computed 12-month bankruptcy probability of UBEMA is 0.6% (low). The 2025 annual accounts show equity of €530k and a net result of €-50k. Equity is shrinking by ~4.8% per year across the filed fiscal years. The company has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Key figures

Equity	€530k
Net result	€-50k
Active	37 yrs
Locations	1

Snowflake analysis 5 axes · computed by Checked

56 / 100

Mixed profile: strong on stability, weaker on profitability.

Health 65

Profitability 0

Solvency 83

Growth 32

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.6% Low

0%0,5%1,5%4%10%≥25%

No NACE activity registered +Long track record −Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 3 signals

Long-established

Founded in 1989, 37 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags 0 events

No administrative flags

Health barometer FY 2025 · computed

65 / 100 Healthy

050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 29-01-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Equity: declining trend of ~4.8%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

EBITDA

€39k

-31.7% 19-25

Net profit

€-50k

-59.0% 19-25

Cash flow

€29k

-37.7% 19-25

Total assets

€660k

-10.0% 19-25

Equity

€530k

-8.5% 19-25

Working capital

€28k

+235.1% 19-25

Income taxes

€396

+11.2% 19-25

Debt

€129k

-15.5% 19-25

Debt ≤ 1y

€119k

-15.5% 19-25

Current ratio

1.24

+16.8% 19-25

Quick ratio

1.24

+16.8% 19-25

Solvency

80.4%

+1.6% 19-25

Debt / equity

0.24

-7.6% 19-25

ROE

-9.3%

-73.8% 19-25

ROA

-7.5%

-76.6% 19-25

Interest coverage

3.90

-28.3% 19-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Revenue	-
EBITDA	€39k
Net profit	€-50k
Cash flow	€29k
Staff costs	-
Income taxes	€396
Dividends	-
Total assets	€660k
Equity	€530k
Debt	€129k
of which ≤ 1y	€119k
of which > 1y	-
Working capital	€28k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	1.24
Quick ratio	1.24
Working capital ratio	4.3%
Solvency	80.4%
Debt / equity	0.24
Long-term debt ratio	-
Interest coverage	3.90
Gross margin	-
Net margin	-
ROA	-7.5%
ROE	-9.3%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €512k · 77.6% Current assets €148k · 22.4%

Equity & liabilities

Equity €530k · 80.4% Debt €129k · 19.6%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€660k
Fixed assets	21/28	€512k
Tangible fixed assets	22/27	€512k
Current assets	29/58	€148k
Cash & bank	54/58	€144k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€660k
Equity	10/15	€530k
Contributions / capital	10/11	€520k
Reserves	13	€137k
Accumulated profits (losses)	14	€-127k
Amounts payable	17/49	€129k
Amounts payable within one year	42/48	€119k
Trade debts payable within one year	44	€97
Income statement
Gross operating margin	9900	€44k
Operating result	9901	€-39k
Financial income	75	€200
Financial charges	65	€10k
Result before taxes	9903	€-49k
Income taxes	67/77	€396
Net result for the period	9904	€-50k
Result to be appropriated	9905	€-36k

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Ratios computed by Checked.

Legal Structure

NACE primary	-
Legal form	Public limited company(014)
Incorporation	12-01-1989
Status	Active
Postal code	2970

Establishment units 1 location

Schildedreef 11, 2970 Schilde

het invullen van aangifteformulieren voor de loon- en inkomstenbelasting voor particulieren en bedrijven

since 19892.041.920.670

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11039A0438/00E002	Flanders	2,232 m²	1 · 235 m²	7.7 m · 2 fl.
11922C0087/00P000	Flanders	969 m²	1 · 140 m²	13.1 m · 3 fl.

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.

Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

29-01-2026

NBB filing Annual accounts filed

fiscal year 2025 · micro

2025

30-01-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

16-02-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

28-12-2023

State Gazette act Director changes

Caroline Haagdorens

31-01-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

31-01-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2021

26-02-2021

NBB filing Annual accounts filed

fiscal year 2020 · micro

2020

19-02-2020

NBB filing Annual accounts filed

fiscal year 2019 · micro

2018

27-11-2018

NBB filing Annual accounts filed

fiscal year 2018 · micro

2017

13-12-2017

NBB filing Annual accounts filed

fiscal year 2017 · micro

2016

20-12-2016

NBB filing Annual accounts filed

fiscal year 2016 · verkort

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2023

28-12-2023 2 directors appointed, 3 resigning, 3 reappointed Director changes·Caroline Haagdorens

ULENS Yves, Gedelegeerd bestuurder
ULENS Yves, Voorzitter
ULENS Yves, Bestuurder
HOUSAER Rosette, Bestuurder
ULENS Anke, Bestuurder
ULENS Yves, Bestuurder
HOUSAER Rosette, Bestuurder
ULENS Anke, Bestuurder

Notary: Caroline Haagdorens · Schild

Original publication ↗

Technical details

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Company registry (CBE) Crossroads Bank

Names & trade names

Legal nameNL

UBEMA

Registered office

Hendrik Consciencestraat 32 bus 2

2970 Schilde, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.