UC GUL
ActiveSummary
UC GUL has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €761,113 and a net result of €57,049. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 75% of 10519 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability48▼-35
Solvency87▼-9
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55,000 at 30 days acceptable
Liquidity ample (current ratio 2.98 against 3.66 in 2024; short-term debt: 26.7% and cash: 29.9% of total assets), and 37.7% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
62.3%
Return on assets
4.7%
Age of the figures
9 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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
12 d early
2023
13 d early
2022
7 d early
2021
18 d early
2020
46 d late
2019
122 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 16 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 19 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
€761,113▼ 19.2%
2024 · €941,606
Total assets
€1.2m▼ 7.7%
2024 · €1.3m
Net result
€57,049▼ 62.8%
2024 · €153,448
Working capital
€645,686▼ 21.3%
2024 · €820,244
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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€118,579▼ 82.0%€190,158▲ 60.4%€189,916▼ 0.1%€249,338▲ 31.3%€169,446▼ 32.0%
Net result€37,823within the sector's middle half▼ 79.0%€108,022within the sector's middle half▲ 186%€127,720above the sector's middle half▲ 18.2%€153,448above the sector's middle half▲ 20.1%€57,049within the sector's middle half▼ 62.8%
Equity€705,869above the sector's middle half▲ 5.7%€813,891above the sector's middle half▲ 15.3%€941,611above the sector's middle half▲ 15.7%€941,606above the sector's middle half=€761,113above the sector's middle half▼ 19.2%
Total assets€1.1mwithin the sector's middle half▼ 24.6%€1.1mwithin the sector's middle half▲ 3.8%€1.2mwithin the sector's middle half▲ 8.0%€1.3mwithin the sector's middle half▲ 8.3%€1.2mwithin the sector's middle half▼ 7.7%
Debt€383,588▼ 50.6%€317,302▼ 17.3%€280,366▼ 11.6%€381,580▲ 36.1%€460,043▲ 20.6%
Working capital€745,271above the sector's middle half▼ 1.6%€748,050above the sector's middle half▲ 0.4%€832,127above the sector's middle half▲ 11.2%€820,244above the sector's middle half▼ 1.4%€645,686above the sector's middle half▼ 21.3%
Solvency64.8%above the sector's middle half▲ 18.5pp71.9%above the sector's middle half▲ 7.2pp77.1%above the sector's middle half▲ 5.1pp71.2%above the sector's middle half▼ 5.9pp62.3%within the sector's middle half▼ 8.8pp
Current ratio4.06above the sector's middle half▲ 1.723.89above the sector's middle half▼ 0.174.08above the sector's middle half▲ 0.193.66above the sector's middle half▼ 0.422.98above the sector's middle half▼ 0.68
Return on assets (ROA)3.5%within the sector's middle half▼ 9.0pp9.5%within the sector's middle half▲ 6.1pp10.5%within the sector's middle half▲ 0.9pp11.6%above the sector's middle half▲ 1.1pp4.7%within the sector's middle half▼ 6.9pp
Staff (FTE)9.5above the sector's middle half=8.8above the sector's middle half▼ 7.4%9above the sector's middle half▲ 2.3%9.7above the sector's middle half▲ 7.8%11above the sector's middle half▲ 13.4%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 32% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.2m
Fixed assets
€249,366 ▲ 28.1%
Current assets
€971,790 ▼ 13.9%
Equity and liabilities €1.2m
Equity
€761,113 ▼ 19.2%
Debt
€460,043 ▲ 20.6%
Debt's share of the balance-sheet total rises from 28.8% to 37.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€245,285▼
2024 · €308,140
Cash flow
€132,887▼
2024 · €212,251
Quick ratio
2.10▼
2024 · 2.98
Debt to equity
0.60▲
2024 · 0.41
ROE
7.5%▼
2024 · 16.3%
Interest coverage
2.79▼
2024 · 10.66
Debt ≤ 1 year
€326,104▲
2024 · €308,350
Debt > 1 year
€133,827▲
2024 · €73,118
Income taxes
€30,543▼
2024 · €66,695
Staff costs
€450,234▲
2024 · €414,369
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,733 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.2% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 14,733 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €110,000 | - | - | €413 | - | - |
| Remuneration, social security and pensions62 | €349,196 | €349,814 | €374,313 | €414,369 | €450,234 | ▲ 8.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €38,915 | €33,251 | €37,248 | €58,803 | €75,838 | ▲ 29.0% |
| Other operating charges640/8 | €35,891 | €7,698 | €7,949 | €10,284 | €12,068 | ▲ 17.3% |
| Non-recurring operating charges66A | €5,398 | - | - | - | - | - |
| Gross operating margin9900 | €547,979 | €580,921 | €609,426 | €732,794 | €707,587 | ▼ 3.4% |
| Operating profit (loss)9901 | €118,579 | €190,158 | €189,916 | €249,338 | €169,446 | ▼ 32.0% |
| Financial income75/76B | €668 | €10,047 | €20,857 | €684 | €5,987 | ▲ 776% |
| Recurring financial income75 | €668 | €10,023 | €20,857 | €684 | €5,987 | ▲ 776% |
| Non-recurring financial income76B | - | €24 | - | - | - | - |
| Financial charges65/66B | €61,502 | €51,828 | €30,260 | €29,878 | €87,842 | ▲ 194% |
| Recurring financial charges65 | €60,544 | €23,391 | €25,791 | €28,917 | €87,842 | ▲ 204% |
| Non-recurring financial charges66B | €958 | €28,437 | €4,470 | €961 | - | - |
| Profit (loss) for the period before taxes9903 | €57,745 | €148,377 | €180,513 | €220,144 | €87,592 | ▼ 60.2% |
| Income taxes67/77 | €19,922 | €40,355 | €52,793 | €66,695 | €30,543 | ▼ 54.2% |
| Profit (loss) for the period9904 | €37,823 | €108,022 | €127,720 | €153,448 | €57,049 | ▼ 62.8% |
| Profit (loss) for the period to be appropriated9905 | €37,823 | €108,022 | €127,720 | €153,448 | €57,049 | ▼ 62.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €1.1m | €1.2m | €1.3m | €1.2m | ▼ 7.7% |
| Fixed assets21/28 | €100,780 | €124,735 | €120,114 | €194,593 | €249,366 | ▲ 28.1% |
| Tangible fixed assets22/27 | €97,190 | €119,195 | €114,574 | €189,053 | €243,366 | ▲ 28.7% |
| Land and buildings22 | €12,688 | €9,628 | €6,569 | €3,509 | €450 | ▼ 87.2% |
| Plant, machinery and equipment23 | €23,882 | €57,286 | €56,177 | €38,355 | €21,052 | ▼ 45.1% |
| Furniture and vehicles24 | €7,829 | €1,395 | - | €2,486 | €115,300 | ▲ 4,538% |
| Leasing and similar rights25 | €33,921 | €25,743 | €17,565 | €99,321 | €69,229 | ▼ 30.3% |
| Other tangible fixed assets26 | €18,871 | €25,142 | €34,263 | €45,381 | €37,336 | ▼ 17.7% |
| Financial fixed assets28 | €3,590 | €5,540 | €5,540 | €5,540 | €6,000 | ▲ 8.3% |
| Current assets29/58 | €988,677 | €1.0m | €1.1m | €1.1m | €971,790 | ▼ 13.9% |
| Amounts receivable after more than one year29 | €340,000 | €340,000 | €470,000 | €470,000 | €210,000 | ▼ 55.3% |
| Other amounts receivable291 | €340,000 | €340,000 | €470,000 | €470,000 | €210,000 | ▼ 55.3% |
| Stocks and contracts in progress3 | €150,420 | €220,872 | €232,441 | €210,034 | €287,276 | ▲ 36.8% |
| Stocks30/36 | €150,420 | €220,872 | €232,441 | €210,034 | €287,276 | ▲ 36.8% |
| Amounts receivable within one year40/41 | €270,185 | €217,270 | €198,509 | €88,224 | €98,332 | ▲ 11.5% |
| Trade receivables40 | €20,753 | €24,975 | €5,885 | €7,465 | €4,894 | ▼ 34.4% |
| Other amounts receivable41 | €249,432 | €192,295 | €192,624 | €80,759 | €93,438 | ▲ 15.7% |
| Cash at bank and in hand54/58 | €215,419 | €218,584 | €196,040 | €354,639 | €365,221 | ▲ 3.0% |
| Deferred charges and accrued income490/1 | €12,653 | €9,733 | €4,874 | €5,696 | €10,961 | ▲ 92.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €1.1m | €1.2m | €1.3m | €1.2m | ▼ 7.7% |
| Equity10/15 | €705,869 | €813,891 | €941,611 | €941,606 | €761,113 | ▼ 19.2% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €687,269 | €795,291 | €923,011 | €923,006 | €742,513 | ▼ 19.6% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | - | - | - |
| Tax-exempt reserves132 | €206 | €206 | €206 | €206 | €206 | = |
| Distributable reserves133 | €685,203 | €793,225 | €920,945 | €922,799 | €742,307 | ▼ 19.6% |
| Amounts payable17/49 | €383,588 | €317,302 | €280,366 | €381,580 | €460,043 | ▲ 20.6% |
| Amounts payable after more than one year17 | €140,183 | €58,893 | €10,377 | €73,118 | €133,827 | ▲ 83.0% |
| Financial debts170/4 | €140,183 | €58,893 | €10,377 | €73,118 | €133,827 | ▲ 83.0% |
| Amounts payable within one year42/48 | €243,406 | €258,409 | €269,737 | €308,350 | €326,104 | ▲ 5.8% |
| Current portion of amounts payable after more than one year42 | €77,920 | €77,094 | €48,516 | €28,523 | €43,586 | ▲ 52.8% |
| Financial debts43 | €16,504 | €9,891 | €9,558 | - | - | - |
| Credit institutions430/8 | €16,504 | €9,891 | €9,558 | - | - | - |
| Trade debts44 | €98,027 | €125,057 | €155,123 | €160,161 | €209,594 | ▲ 30.9% |
| Suppliers440/4 | €98,027 | €125,057 | €155,123 | €160,161 | €209,594 | ▲ 30.9% |
| Taxes, remuneration and social security45 | €49,839 | €46,367 | €56,539 | €87,827 | €61,394 | ▼ 30.1% |
| Taxes450/3 | €7,958 | €8,937 | €23,225 | €35,402 | €22,181 | ▼ 37.3% |
| Remuneration and social security454/9 | €41,881 | €37,429 | €33,313 | €52,424 | €39,213 | ▼ 25.2% |
| Other amounts payable47/48 | €1,115 | - | - | €31,838 | €11,530 | ▼ 63.8% |
| Accrued charges and deferred income492/3 | - | - | €252 | €113 | €113 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €37,823 | €108,022 | €127,720 | €153,448 | €57,049 | ▼ 62.8% |
| + Depreciation and write-downs630 | €38,915 | €33,251 | €37,248 | €58,803 | €75,838 | ▲ 29.0% |
| Operating cash flow (approximation) | €76,738 | €141,273 | €164,968 | €212,251 | €132,887 | ▼ 37.4% |
| Investment in fixed assets (approximation) | - | -€57,206 | -€32,627 | -€133,281 | -€130,612 | ▲ 2.0% |
| Change in cash | - | €3,164 | -€22,544 | €158,600 | €10,582 | ▼ 93.3% |
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
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
19-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
15-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 46 days late
2020
31-12
Financial
Highest result since 2018net €180,131 ▲819%
Operating result €660,150, net result €180,131, both a record.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 122 days late
2019
31-12
Financial
Weakest financial yearnet €19,611 ▼87.2%
Net result drops to €19,611, the lowest in the series; recovery starts the following year.
04-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 65 days late
2018
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 2 days late
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
8 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, Antwerpen · 1 establishment unit since 2008
Ground area
593 m²
Building footprint
593 m²
Volume, LiDAR
3,613 m³
Parcel 11809I2133/00W003, Flanders · tallest building 11.3 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
MERAM SUPERMARKT
since 20082.178.731.945
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11809I2133/00W003 | Flanders | 592 m² | 1 · 592 m² | 11.3 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.178.731.945
Legal Entity Identifier
254900AX9XYN1Q32V855
Similar companies · same sector, comparable size
Ardenner Grenzmarkt
BE 0422.329.189
Sankt Vith · Eq €761,852
GIMALO
BE 0477.371.048
Lievegem · Eq €761,971
RIK
BE 0420.997.123
Halle · Eq €762,487
HAMSTER
BE 0779.351.052
Veurne · Eq €756,068
ANSPACH DISTRIBUTION
BE 0805.451.871
Evere · Eq €766,589
Of 10,509 companies in sector 47110 we hold annual accounts for 5,853. 2,585 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
Founded05-05-2003
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
E-invoicing
Reachable via Peppol
Peppol ID
0208:0480143070
Also
9925:BE0480143070
Registered
02-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.