UMA
ActiveSummary
UMA has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €302,842 and a net result of €151,623. Equity is growing by ~67.1% per year across the filed fiscal years. Its solvency ranks better than 63% of 3728 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability95▼-5
Solvency67▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21,000 at 30 days acceptable
Liquidity tight (current ratio 1.21 against 1.07 in 2024; short-term debt: 57.9% and cash: 58.5% of total assets), and 57.9% of the assets are financed with debt.
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Signals
Five 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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% 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
42.1%
Return on assets
21.1%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
56 d early
2023
30 d early
2022
49 d early
2021
53 d early
2020
59 d early
2019
14 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 30 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% 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.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
€3.5m
EBIT margin
2.0%
Net result
€151,623▲ 0.2%
2024 · €151,277
Working capital
€88,487▲ 420%
2024 · €17,012
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
Line20212022202320242025
Turnover€3.5m
Operating result€143,080▲ 164%-€81,721€72,424€207,298▲ 186%€227,003▲ 9.5%
Net result€102,405▲ 163%-€94,287€75,129€151,277▲ 101%€151,623▲ 0.2%
EBIT margin2.0%
Equity€96,898€2,610▼ 97.3%€77,739▲ 2,878%€229,017▲ 195%€302,842▲ 32.2%
Total assets€411,593▲ 34.6%€517,208▲ 25.7%€486,987▼ 5.8%€529,779▲ 8.8%€718,716▲ 35.7%
Debt€314,696▲ 1.1%€514,598▲ 63.5%€409,248▼ 20.5%€300,762▼ 26.5%€415,873▲ 38.3%
Working capital€116,413▲ 325%-€206,276-€118,936▲ 42.3%€17,012€88,487▲ 420%
Staff (FTE)4.7▼ 32.9%8▲ 70.2%13.1▲ 63.8%14.4▲ 9.9%13.9▼ 3.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €718,716
Fixed assets
€214,355 ▼ 15.9%
Current assets
€504,360 ▲ 83.6%
Equity and liabilities €718,716
Equity
€302,842 ▲ 32.2%
Debt
€415,873 ▲ 38.3%
Debt's share of the balance-sheet total rises from 56.8% to 57.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€310,884▲
2024 · €284,890
Cash flow
€235,505▲
2024 · €228,869
Current ratio
1.21▲
2024 · 1.07
Quick ratio
1.19▲
2024 · 1.02
Debt to equity
1.37▲
2024 · 1.31
ROE
50.1%▼
2024 · 66.1%
ROA
21.1%▼
2024 · 28.6%
Interest coverage
46.33▲
2024 · 34.56
Debt ≤ 1 year
€415,873▲
2024 · €257,745
Debt > 1 year
€0▼
2024 · €43,018
Income taxes
€71,161▲
2024 · €48,742
Staff costs
€786,717▲
2024 · €731,830
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | €3.5m | - | - | - |
| Non-recurring operating income76A | - | - | €12,375 | €0 | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | €2.6m | - | - | - |
| Remuneration, social security and pensions62 | €277,389 | €513,218 | €764,265 | €731,830 | €786,717 | ▲ 7.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €41,629 | €54,677 | €89,273 | €77,592 | €83,881 | ▲ 8.1% |
| Other operating charges640/8 | €1,781 | €17,745 | €3,689 | €6,302 | €3,343 | ▼ 47.0% |
| Gross operating margin9900 | €463,879 | €503,919 | €929,651 | €1.0m | €1.1m | ▲ 7.6% |
| Operating profit (loss)9901 | €143,080 | -€81,721 | €72,424 | €207,298 | €227,003 | ▲ 9.5% |
| Financial income75/76B | €416 | €656 | €13,422 | €965 | €2,492 | ▲ 158% |
| Recurring financial income75 | €416 | €656 | €13,422 | €965 | €2,492 | ▲ 158% |
| Financial charges65/66B | €14,047 | €12,784 | €10,492 | €8,243 | €6,711 | ▼ 18.6% |
| Recurring financial charges65 | €14,047 | €12,784 | €10,492 | €8,243 | €6,711 | ▼ 18.6% |
| Profit (loss) for the period before taxes9903 | €129,448 | -€93,849 | €75,355 | €200,020 | €222,784 | ▲ 11.4% |
| Income taxes67/77 | €27,043 | €438 | €226 | €48,742 | €71,161 | ▲ 46.0% |
| Profit (loss) for the period9904 | €102,405 | -€94,287 | €75,129 | €151,277 | €151,623 | ▲ 0.2% |
| Profit (loss) for the period to be appropriated9905 | €102,405 | -€94,287 | €75,129 | €151,277 | €151,623 | ▲ 0.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €411,593 | €517,208 | €486,987 | €529,779 | €718,716 | ▲ 35.7% |
| Fixed assets21/28 | €137,109 | €330,052 | €280,025 | €255,022 | €214,355 | ▼ 15.9% |
| Tangible fixed assets22/27 | €137,109 | €330,052 | €280,025 | €255,022 | €214,355 | ▼ 15.9% |
| Plant, machinery and equipment23 | €72,243 | €132,297 | €99,165 | €84,418 | €62,418 | ▼ 26.1% |
| Furniture and vehicles24 | €6,197 | €21,127 | €14,141 | €9,133 | €5,185 | ▼ 43.2% |
| Other tangible fixed assets26 | €58,669 | €176,628 | €166,718 | €161,471 | €146,752 | ▼ 9.1% |
| Current assets29/58 | €274,485 | €187,156 | €206,962 | €274,757 | €504,360 | ▲ 83.6% |
| Stocks and contracts in progress3 | €12,610 | €13,314 | €12,880 | €10,770 | €11,110 | ▲ 3.2% |
| Stocks30/36 | €12,610 | €13,314 | €12,880 | €10,770 | €11,110 | ▲ 3.2% |
| Amounts receivable within one year40/41 | €74,044 | €119,883 | €131,667 | €49,544 | €56,966 | ▲ 15.0% |
| Trade receivables40 | €18,300 | €40,453 | €82,408 | €9,177 | €18,999 | ▲ 107% |
| Other amounts receivable41 | €55,744 | €79,431 | €49,259 | €40,367 | €37,967 | ▼ 5.9% |
| Cash at bank and in hand54/58 | €182,380 | €37,174 | €53,854 | €198,059 | €420,195 | ▲ 112% |
| Deferred charges and accrued income490/1 | €5,451 | €16,784 | €8,561 | €16,383 | €16,089 | ▼ 1.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €411,593 | €517,208 | €486,987 | €529,779 | €718,716 | ▲ 35.7% |
| Equity10/15 | €96,898 | €2,610 | €77,739 | €229,017 | €302,842 | ▲ 32.2% |
| Contributions10/11 | €19,000 | €19,000 | €19,000 | €19,000 | €19,000 | = |
| Reserves13 | €77,898 | €77,898 | €77,898 | €210,017 | €283,842 | ▲ 35.2% |
| Non-distributable reserves130/1 | €100 | €100 | €100 | €0 | - | - |
| Reserves not available under the articles1311 | €100 | €100 | €100 | €0 | - | - |
| Distributable reserves133 | €77,798 | €77,798 | €77,798 | €210,017 | €283,842 | ▲ 35.2% |
| Profit (loss) carried forward14 | - | -€94,287 | -€19,159 | €0 | €0 | - |
| Amounts payable17/49 | €314,696 | €514,598 | €409,248 | €300,762 | €415,873 | ▲ 38.3% |
| Amounts payable after more than one year17 | €156,624 | €121,166 | €83,350 | €43,018 | €0 | ▼ 100% |
| Financial debts170/4 | €156,624 | €121,166 | €83,350 | €43,018 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €158,072 | €393,432 | €325,898 | €257,745 | €415,873 | ▲ 61.4% |
| Current portion of amounts payable after more than one year42 | €30,556 | €32,574 | €37,816 | €40,332 | €43,018 | ▲ 6.7% |
| Financial debts43 | €19,814 | €12,562 | €0 | €2,825 | €51,065 | ▲ 1,707% |
| Credit institutions430/8 | €14,496 | €12,562 | €0 | €2,825 | €51,065 | ▲ 1,707% |
| Other loans439 | €5,318 | - | - | - | - | - |
| Trade debts44 | €87,585 | €258,918 | €162,547 | €137,100 | €182,786 | ▲ 33.3% |
| Suppliers440/4 | €87,585 | €258,918 | €162,547 | €137,100 | €182,786 | ▲ 33.3% |
| Taxes, remuneration and social security45 | €20,117 | €69,203 | €94,545 | €77,488 | €85,204 | ▲ 10.0% |
| Taxes450/3 | €5,169 | €7,926 | €7,869 | €4,336 | €13,459 | ▲ 210% |
| Remuneration and social security454/9 | €14,948 | €61,277 | €86,676 | €73,152 | €71,745 | ▼ 1.9% |
| Other amounts payable47/48 | - | €20,174 | €30,991 | €0 | €53,801 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €102,405 | -€94,287 | €75,129 | €151,277 | €151,623 | ▲ 0.2% |
| + Depreciation and write-downs630 | €41,629 | €54,677 | €89,273 | €77,592 | €83,881 | ▲ 8.1% |
| Operating cash flow (approximation) | €144,034 | -€39,610 | €164,402 | €228,869 | €235,505 | ▲ 2.9% |
| Investment in fixed assets (approximation) | - | -€247,620 | -€39,246 | -€52,590 | -€43,214 | ▲ 17.8% |
| Change in cash | - | -€145,205 | €16,679 | €144,205 | €222,136 | ▲ 54.0% |
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
31-12
Financial
Highest result since 2018net €151,623 ▲0.2%
Operating result €227,003, net result €151,623, both a record.
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €200,000Eq €229,017 ▲195%
2 profitable years in a row build equity to €229,017.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €75,129
Net result €75,129 after one loss-making year.
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet -€94,287
Net result drops to -€94,287, the lowest in the series; recovery starts the following year.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
02-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 14 days late
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 23 days late
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Brugge · 3 establishment units since 1987
Ground area
650 m²
Building footprint
440 m²
Volume, LiDAR
4,717 m³
4 parcels, Flanders · tallest building 17.8 m, ±4 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
3 establishment units
Bocca
since 19872.029.778.448
Bocca
since 20192.293.582.123
Bocca
since 20222.336.807.501
4 parcels
Flanders
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31805E0772/00C000 | Flanders | 245 m² | 1 · 104 m² | 12.8 m · 2 fl. |
| 44815F1136/00M000 | Flanders | 208 m² | 1 · 139 m² | 16.1 m · 4 fl. |
| 34353H0057/00F000 | Flanders | 138 m² | 1 · 130 m² | 17.8 m · 4 fl. |
| 44808H0260/02V000 | Flanders | 58 m² | 1 · 66 m² | 15.9 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 119 EUR awarded · 119 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 119 EUR | 119 EUR |
Recognitions · licences · registrations
Food safety, FASFC
3 sitesGent2.029.778.448
Gent2.293.582.123
Kortrijk2.336.807.501
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Of 21,859 companies in sector 56112 we hold annual accounts for 9,779. 5,705 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
Founded19-05-1987
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
Contact
E-mail
info@bocca.beGent
E-invoicing
Reachable via Peppol
Peppol ID
0208:0431231415
Also
9925:BE0431231415
Registered
13-01-2026
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.