UFinance
ActiveSummary
UFinance has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €204,188 and a net result of €57,328. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 37% of 12860 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability75▼-8
Solvency67▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity ample (current ratio 1.68 against 1.47 in 2024; short-term debt: 44.9% and cash: 66.2% of total assets), but 58% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% 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
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
42%
Return on assets
11.8%
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 23-07-2026, 8 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
8 d early
2024
14 d early
2023
14 d late
2022
8 d early
2021
13 d early
2020
23 d late
2019
35 d early
← 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 6 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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 23 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Equity
€204,188▲ 39.0%
2024 · €146,860
Total assets
€485,754▲ 21.7%
2024 · €399,037
Net result
€57,328▲ 23.0%
2024 · €46,603
Working capital
€147,189▲ 80.6%
2024 · €81,502
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting 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€7,256▼ 93.6%€20,536▲ 183%-€7,137€69,173€101,830▲ 47.2%
Net result€2,982below the sector's middle half▼ 96.7%€14,858within the sector's middle half▲ 398%-€7,590below the sector's middle half€46,603within the sector's middle half€57,328within the sector's middle half▲ 23.0%
Equity€92,988within the sector's middle half▲ 3.3%€107,847within the sector's middle half▲ 16.0%€100,257within the sector's middle half▼ 7.0%€146,860within the sector's middle half▲ 46.5%€204,188within the sector's middle half▲ 39.0%
Total assets€195,662within the sector's middle half▲ 52.1%€247,745within the sector's middle half▲ 26.6%€323,624within the sector's middle half▲ 30.6%€399,037within the sector's middle half▲ 23.3%€485,754within the sector's middle half▲ 21.7%
Debt€102,674▲ 166%€139,898▲ 36.3%€223,367▲ 59.7%€252,177▲ 12.9%€281,566▲ 11.7%
Working capital€87,144within the sector's middle half▼ 3.2%€73,156within the sector's middle half▼ 16.1%-€55,838below the sector's middle half€81,502within the sector's middle half€147,189within the sector's middle half▲ 80.6%
Solvency47.5%within the sector's middle half▼ 22.4pp43.5%within the sector's middle half▼ 4.0pp31.0%within the sector's middle half▼ 12.6pp36.8%within the sector's middle half▲ 5.8pp42.0%within the sector's middle half▲ 5.2pp
Current ratio1.85within the sector's middle half▼ 1.481.52within the sector's middle half▼ 0.330.75below the sector's middle half▼ 0.771.47within the sector's middle half▲ 0.721.68within the sector's middle half▲ 0.21
Return on assets (ROA)1.5%below the sector's middle half▼ 69.1pp6.0%within the sector's middle half▲ 4.5pp-2.3%below the sector's middle half▼ 8.3pp11.7%within the sector's middle half▲ 14.0pp11.8%within the sector's middle half▲ 0.1pp
Staff (FTE)2.72.2▼ 18.5%
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting 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
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 47% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €485,754
Fixed assets
€120,565 ▼ 15.4%
Current assets
€365,189 ▲ 42.4%
Equity and liabilities €485,754
Equity
€204,188 ▲ 39.0%
Debt
€281,566 ▲ 11.7%
Debt's share of the balance-sheet total falls from 63.2% to 58.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€144,755▲
2024 · €106,090
Cash flow
€100,254▲
2024 · €83,520
Debt to equity
1.38▼
2024 · 1.72
ROE
28.1%▼
2024 · 31.7%
Interest coverage
4.97▼
2024 · 36.29
Debt ≤ 1 year
€218,000▲
2024 · €174,958
Debt > 1 year
€63,566▼
2024 · €77,219
Income taxes
€17,480▼
2024 · €19,663
Staff costs
€97,037▼
2024 · €105,945
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 0.4% 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 497,340 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% | 1.8% |
| 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €105,945 | €97,037 | ▼ 8.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,576 | €3,122 | €14,370 | €36,917 | €42,925 | ▲ 16.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €12,091 | €8,686 | ▼ 28.2% |
| Other operating charges640/8 | €5,034 | €1,338 | €2,150 | €1,134 | €2,021 | ▲ 78.1% |
| Gross operating margin9900 | €14,865 | €24,995 | €9,384 | €225,261 | €252,499 | ▲ 12.1% |
| Operating profit (loss)9901 | €7,256 | €20,536 | -€7,137 | €69,173 | €101,830 | ▲ 47.2% |
| Financial income75/76B | - | - | €39 | €16 | €2,132 | ▲ 13,243% |
| Recurring financial income75 | - | - | €39 | €16 | €2,132 | ▲ 13,243% |
| Financial charges65/66B | €49 | €149 | €211 | €2,923 | €29,154 | ▲ 897% |
| Recurring financial charges65 | €49 | €149 | €211 | €2,923 | €29,154 | ▲ 897% |
| Profit (loss) for the period before taxes9903 | €7,207 | €20,386 | -€7,308 | €66,266 | €74,808 | ▲ 12.9% |
| Income taxes67/77 | €4,226 | €5,528 | €282 | €19,663 | €17,480 | ▼ 11.1% |
| Profit (loss) for the period9904 | €2,982 | €14,858 | -€7,590 | €46,603 | €57,328 | ▲ 23.0% |
| Profit (loss) for the period to be appropriated9905 | €2,982 | €14,858 | -€7,590 | €46,603 | €57,328 | ▲ 23.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €195,662 | €247,745 | €323,624 | €399,037 | €485,754 | ▲ 21.7% |
| Fixed assets21/28 | €5,844 | €34,691 | €156,094 | €142,577 | €120,565 | ▼ 15.4% |
| Intangible fixed assets21 | - | - | €99,945 | €102,525 | €77,845 | ▼ 24.1% |
| Tangible fixed assets22/27 | €5,844 | €34,691 | €56,149 | €40,053 | €42,720 | ▲ 6.7% |
| Furniture and vehicles24 | €5,844 | €3,038 | €30,890 | €21,187 | €30,248 | ▲ 42.8% |
| Other tangible fixed assets26 | - | €31,653 | €25,259 | €18,866 | €12,472 | ▼ 33.9% |
| Current assets29/58 | €189,818 | €213,054 | €167,529 | €256,460 | €365,189 | ▲ 42.4% |
| Amounts receivable within one year40/41 | €48,000 | €52,846 | €35,434 | €69,038 | €43,548 | ▼ 36.9% |
| Trade receivables40 | €48,000 | €52,375 | €30,244 | €69,038 | €39,416 | ▼ 42.9% |
| Other amounts receivable41 | - | €472 | €5,190 | - | €4,132 | - |
| Cash at bank and in hand54/58 | €141,818 | €160,208 | €132,096 | €187,422 | €321,641 | ▲ 71.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €195,662 | €247,745 | €323,624 | €399,037 | €485,754 | ▲ 21.7% |
| Equity10/15 | €92,988 | €107,847 | €100,257 | €146,860 | €204,188 | ▲ 39.0% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Reserves13 | €91,988 | €106,847 | €99,257 | €145,860 | €203,188 | ▲ 39.3% |
| Distributable reserves133 | €91,988 | €106,847 | €99,257 | €145,860 | €203,188 | ▲ 39.3% |
| Amounts payable17/49 | €102,674 | €139,898 | €223,367 | €252,177 | €281,566 | ▲ 11.7% |
| Amounts payable after more than one year17 | - | - | - | €77,219 | €63,566 | ▼ 17.7% |
| Financial debts170/4 | - | - | - | €77,219 | €63,566 | ▼ 17.7% |
| Amounts payable within one year42/48 | €102,674 | €139,898 | €223,367 | €174,958 | €218,000 | ▲ 24.6% |
| Current portion of amounts payable after more than one year42 | - | - | - | €13,192 | €13,654 | ▲ 3.5% |
| Trade debts44 | €2,000 | €37,664 | €131,431 | €31,550 | €28,043 | ▼ 11.1% |
| Suppliers440/4 | €2,000 | €37,664 | €131,431 | €31,550 | €28,043 | ▼ 11.1% |
| Taxes, remuneration and social security45 | €27,530 | €7,641 | €6,467 | €45,439 | €39,800 | ▼ 12.4% |
| Taxes450/3 | €27,530 | €7,641 | €6,467 | €23,913 | €32,156 | ▲ 34.5% |
| Remuneration and social security454/9 | - | - | - | €21,525 | €7,645 | ▼ 64.5% |
| Other amounts payable47/48 | €73,144 | €94,593 | €85,469 | €84,777 | €136,503 | ▲ 61.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,982 | €14,858 | -€7,590 | €46,603 | €57,328 | ▲ 23.0% |
| + Depreciation and write-downs630 | €2,576 | €3,122 | €14,370 | €36,917 | €42,925 | ▲ 16.3% |
| Operating cash flow (approximation) | €5,557 | €17,980 | €6,780 | €83,520 | €100,254 | ▲ 20.0% |
| Investment in fixed assets (approximation) | - | -€31,968 | -€135,774 | -€23,400 | -€20,913 | ▲ 10.6% |
| Change in cash | - | €18,390 | -€28,112 | €55,327 | €134,219 | ▲ 143% |
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200,000Eq €204,188 ▲39%
2 profitable years in a row build equity to €204,188.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €46,603
Net result €46,603 after one loss-making year.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-12
Financial
Weakest financial yearnet -€7,590
Net result drops to -€7,590, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100,000Eq €107,847 ▲16%
3 profitable years in a row build equity to €107,847.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Back to profitnet €90,823
Net result €90,823 after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 3.33
Current ratio from 0.85 to 3.33.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro 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, Koekelberg · 1 establishment unit since 2019
Ground area
471 m²
Building footprint
182 m²
Volume, LiDAR
3,649 m³
Parcel 21492B0007/00Z008, Brussels · tallest building 23.2 m, ±7 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
UFinance
since 20192.296.728.188
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21492B0007/00Z008 | Brussels | 471 m² | 1 · 182 m² | 23.2 m · 7 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Recognitions · licences · registrations
Legal Entity Identifier
9845005E9F7F99C12D03
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 6,390 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
Founded13-12-2019
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0739582735
Also
9925:BE0739582735
Registered
04-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.