Summary
UBSA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €312,230 and a net result of €287,735. Equity is growing by ~608.4% per year across the filed fiscal years. Its solvency ranks better than 17% of 111 sector peers (fiscal year 2026). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 07-09-2026, 146 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2026
146 d early
2025
103 d early
2024
101 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 117 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today.
Companies Code · seven monthsPosition in the running window
26-09-2026 today30-06-2027 close31-01-2028 deadline
History
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Financials · fiscal year 2026, abbreviated schema
Equity
€312,230▲ 1,175%
2025 · €24,495
Net result
€287,735▲ 2,984%
2025 · €9,330
Total assets
€1.5m▲ 3.0%
2025 · €1.5m
Solvency
20.4%▲ 18.8pp
2025 · 1.6%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202420252026
Operating result€19,036-€44,220▲ 132%€42,548▼ 3.8%
Net result€14,164-€9,330▼ 34.1%€287,735▲ 2,984%
Equity€14,164-€24,495▲ 72.9%€312,230▲ 1,175%
Total assets€1.5m-€1.5m▲ 2.3%€1.5m▲ 3.0%
Debt€1.4m-€1.5m▲ 1.6%€1.2m▼ 16.6%
Working capital-€128,507--€295,218▼ 130%-€191,115▲ 35.3%
Solvency1.0%-1.6%▲ 0.7pp20.4%▲ 18.8pp
Staff (FTE)0-00
Result per fiscal year
Operating resultNet result
The operating result falls in 2026; 2026 is 4% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €1.5m
Fixed assets
€1.4m =
Current assets
€104,973 ▲ 73.7%
Equity and liabilities €1.5m
Equity
€312,230 ▲ 1,175%
Debt
€1.2m ▼ 16.6%
Debt's share of the balance-sheet total falls from 98.4% to 79.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
92.2%▲
2025 · 38.1%
ROA
18.8%▲
2025 · 0.6%
Debt ≤ 1 year
€296,088▼
2025 · €355,669
Debt > 1 year
€921,656▼
2025 · €1.1m
Income taxes
€4,255▲
2025 · €3,139
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|
| Gross operating margin9900 | €19,036 | €44,220 | €42,548 | ▼ 3.8% |
| Operating profit (loss)9901 | €19,036 | €44,220 | €42,548 | ▼ 3.8% |
| Financial income75/76B | - | €64 | €275,227 | ▲ 428,470% |
| Recurring financial income75 | - | €64 | €275,227 | ▲ 428,470% |
| Financial charges65/66B | €150 | €31,814 | €25,786 | ▼ 18.9% |
| Recurring financial charges65 | €150 | €31,814 | €25,786 | ▼ 18.9% |
| Profit (loss) for the period before taxes9903 | €18,886 | €12,470 | €291,990 | ▲ 2,242% |
| Income taxes67/77 | €4,721 | €3,139 | €4,255 | ▲ 35.5% |
| Profit (loss) for the period9904 | €14,164 | €9,330 | €287,735 | ▲ 2,984% |
| Profit (loss) for the period to be appropriated9905 | €14,164 | €9,330 | €287,735 | ▲ 2,984% |
| Line | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €1.5m | €1.5m | €1.5m | ▲ 3.0% |
| Fixed assets21/28 | €1.4m | €1.4m | €1.4m | = |
| Financial fixed assets28 | €1.4m | €1.4m | €1.4m | = |
| Current assets29/58 | €26,647 | €60,451 | €104,973 | ▲ 73.7% |
| Amounts receivable within one year40/41 | €6,797 | €11,477 | €17,363 | ▲ 51.3% |
| Trade receivables40 | €6,797 | €6,655 | €6,655 | = |
| Other amounts receivable41 | - | €4,822 | €10,708 | ▲ 122% |
| Cash at bank and in hand54/58 | €19,851 | €48,974 | €87,611 | ▲ 78.9% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €1.5m | €1.5m | €1.5m | ▲ 3.0% |
| Equity10/15 | €14,164 | €24,495 | €312,230 | ▲ 1,175% |
| Contributions10/11 | - | €1,000 | €1,000 | = |
| Reserves13 | €14,164 | €23,495 | €311,230 | ▲ 1,225% |
| Distributable reserves133 | €14,164 | €23,495 | €311,230 | ▲ 1,225% |
| Amounts payable17/49 | €1.4m | €1.5m | €1.2m | ▼ 16.6% |
| Amounts payable after more than one year17 | €1.3m | €1.1m | €921,656 | ▼ 16.6% |
| Financial debts170/4 | €1.3m | €1.1m | €921,656 | ▼ 16.6% |
| Amounts payable within one year42/48 | €155,155 | €355,669 | €296,088 | ▼ 16.8% |
| Current portion of amounts payable after more than one year42 | €142,672 | €177,041 | €183,631 | ▲ 3.7% |
| Trade debts44 | €2,636 | €2,500 | €2,500 | = |
| Suppliers440/4 | €2,636 | €2,500 | €2,500 | = |
| Taxes, remuneration and social security45 | €9,848 | €5,293 | €9,516 | ▲ 79.8% |
| Taxes450/3 | €8,348 | €3,793 | €8,016 | ▲ 111% |
| Remuneration and social security454/9 | €1,500 | €1,500 | €1,500 | = |
| Other amounts payable47/48 | - | €170,835 | €100,441 | ▼ 41.2% |
| Line | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €14,164 | €9,330 | €287,735 | ▲ 2,984% |
| Operating cash flow (approximation) | €14,164 | €9,330 | €287,735 | ▲ 2,984% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - |
| Change in cash | - | €29,123 | €38,637 | ▲ 32.7% |
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 2027, expected by
2026
07-09
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
30-06
Financial
Highest result since 2024net €287,735 ▲2,984%
Net result €287,735, the highest in the series.
30-06
Financial
Equity above €200,000Eq €312,230 ▲1,175%
3 profitable years in a row build equity to €312,230.
2025
20-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
30-06
Financial
Weakest financial yearnet €9,330 ▼34.1%
Net result drops to €9,330, the lowest in the series; recovery starts the following year.
2024
22-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Péruwelz · 1 establishment unit since 2024
Ground area
1,223 m²
Building footprint
295 m²
Volume, LiDAR
1,704 m³
Parcel 57087C0328/00B000, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
UBSA
since 20242.356.665.478
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57087C0328/00B000 | Wallonia | 1,223 m² | 1 · 295 m² | 8.9 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 24,729 companies in sector 64210 we hold annual accounts for 19,771. 13,786 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
Founded14-02-2024
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.