UBIMATIC is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €41k and a net result of €41k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 42% of 8013 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
17 d late
2024
26 d late
2023
28 d late
2022
22 d late
2021
30 d late
2020
27 d late
2019
21 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k
2024 · €0
2018: €67k
2019: €42k
2020: €51k
2021: €70k
2022: €-19k
2023: €-43k
2024: €0
2018 → 2025
Net result
€41k▼ 26.1%
2024 · €55k
2018: €8k
2019: €-25k
2020: €9k
2021: €36k
2022: €-25k
2023: €-24k
2024: €55k
2018 → 2025
Total assets
€100k▲ 89.7%
2024 · €53k
2018: €106k
2019: €76k
2020: €114k
2021: €118k
2022: €28k
2023: €18k
2024: €53k
2018 → 2025
Solvency
41.1%▲ 41.1pp
2024 · 0.0%
2018: 63.4%
2019: 56.1%
2020: 45.0%
2021: 59.7%
2022: -67.3%
2023: -246.0%
2024: 0.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€70k-€-19k€-43k▼ 129%€0€41k
Operating result€40k-€-24k€-24k▲ 1.0%€58k€56k▼ 3.1%
Net result€36k-€-25k€-24k▲ 1.2%€55k€41k▼ 26.1%
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 3% below 2024.
Balance-sheet composition
Assets €100k
Fixed assets
€49k
Current assets
€51k
Equity and liabilities €100k
Equity
€41k
Debt
€59k
Debt finances 58.9% of the balance-sheet total.
Key figures and ratios
Solvency
41.1%▲
2024 · 0.0%
ROE
100.0%
ROA
41.1%▼
2024 · 105.5%
Debt
€59k▲
2024 · €53k
Debt ≤ 1 year
€24k▼
2024 · €53k
Debt > 1 year
€34k
Income taxes
€15k▲
2024 · €2k
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€53k€100k▲
Fixed assets21/28-€49k
Tangible fixed assets22/27-€49k
Furniture and vehicles24-€49k
Current assets29/58€53k€51k▼
Amounts receivable within one year40/41€3k€21k▲
Trade receivables40€3k€6k▲
Other amounts receivable41€33€15k▲
Cash at bank and in hand54/58€49k€28k▼
Deferred charges and accrued income490/1€631€2k▲
Equity and liabilities
Total equity and liabilities10/49€53k€100k▲
Equity10/15€0€41k▲
Profit (loss) carried forward14€0€41k▲
Amounts payable17/49€53k€59k▲
Amounts payable after more than one year17-€34k
Other amounts payable178/9-€34k
Amounts payable within one year42/48€53k€24k▼
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€5k€8k▲
Taxes450/3€5k€8k▲
Other amounts payable47/48€45k€12k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0€2k▲
Other operating charges640/8€1k€928▼
Gross operating margin9900€59k€58k▼
Operating profit (loss)9901€58k€56k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€220€172▼
Recurring financial charges65€220€172▼
Profit (loss) for the period before taxes9903€57k€56k▼
Income taxes67/77€2k€15k▲
Profit (loss) for the period9904€55k€41k▼
Profit (loss) for the period to be appropriated9905€55k€41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€41k▲
Profit (loss) brought forward from the previous period14P€-43k€0▲
Profit to be distributed694/7€12k€0▼
Directors or managers695€12k€0▼
The notes to these accounts (14 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 2.09
Current ratio from 1.00 to 2.09; short-term debt falls from €53k to €24k.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Back to profitnet €55k
Net result €55k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 1.00
Current ratio from 0.29 to 1.00; short-term debt falls from €61k to €53k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Weakest financial yearnet €-25k ▼169%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 10 days late
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 7 days 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, Wezembeek-Oppem · 1 establishment unit since 2009
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.
Bergenblokstraat 401970 Wezembeek-OppemGround area
1,269 m²
Building footprint
171 m²
Volume, LiDAR
885 m³
Parcel 22006A0089/00R003, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
UBIMATIC
since 20092.178.439.064
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22006A0089/00R003 | Flanders | 1,269 m² | 1 · 171 m² | 8.4 m · 2 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 9,773 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-05-2009
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
62020IT consultancy
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.
Contact details
2 entriesE-mail:patrick.alaerts@gmail.com
Phone:0476/34 99 56