UMA Electrics
ActiveSummary
The computed 12-month bankruptcy probability of UMA Electrics is 1.9% (moderate). The 2025 annual accounts show equity of €501k and a net result of €139k. Equity is growing by ~37.8% per year across the filed fiscal years. Its solvency ranks better than 89% of 27965 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability98▼-2
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 6.74 against 4.9 in 2024; short-term debt: 13.4% and cash: 37% of total assets), and 15.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
84.7%
Return on assets
23.6%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 d early
2024
30 d early
2023
26 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€501k▲ 37.4%
2024 · €364k
2023: €225klowest in 3 years
2024: €364k▲ +61.9% vs 2023
2025: €501k▲ +37.4% vs 2024highest in 3 years
2023 → 2025
Total assets
€591k▲ 25.9%
2024 · €469k
2023: €536k
2024: €469k▼ -12.5% vs 2023lowest in 3 years
2025: €591k▲ +25.9% vs 2024highest in 3 years
2023 → 2025
Net result
€139k▼ 1.8%
2024 · €142k
2023: €222khighest in 3 years
2024: €142k▼ -36.0% vs 2023
2025: €139k▼ -1.8% vs 2024lowest in 3 years
2023 → 2025
Working capital
€455k▲ 43.5%
2024 · €317k
2023: €304klowest in 3 years
2024: €317k▲ +4.3% vs 2023
2025: €455k▲ +43.5% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€225k-€364k▲ 61.9%€501k▲ 37.4%
2023: €225klowest in 3 years
2024: €364k▲ +61.9% vs 2023
2025: €501k▲ +37.4% vs 2024highest in 3 years
Operating result€299k-€195k▼ 34.8%€204k▲ 4.4%
2023: €299khighest in 3 years
2024: €195k▼ -34.8% vs 2023lowest in 3 years
2025: €204k▲ +4.4% vs 2024
Net result€222k-€142k▼ 36.0%€139k▼ 1.8%
2023: €222khighest in 3 years
2024: €142k▼ -36.0% vs 2023
2025: €139k▼ -1.8% vs 2024lowest in 3 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 4% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €591k
Fixed assets
€57k ▼ 19.8%
Current assets
€534k ▲ 34.1%
Equity and liabilities €591k
Equity
€501k ▲ 37.4%
Debt
€90k ▼ 13.9%
Debt's share of the balance-sheet total falls from 22.4% to 15.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€235k▲
2024 · €224k
Cash flow
€171k▲
2024 · €170k
Current ratio
6.74▲
2024 · 4.90
Quick ratio
4.05▲
2024 · 2.78
Debt to equity
0.18▼
2024 · 0.29
ROE
27.8%▼
2024 · 38.9%
ROA
23.6%▼
2024 · 30.2%
Interest coverage
40.83▲
2024 · 21.48
Debt ≤ 1 year
€79k▼
2024 · €81k
Debt > 1 year
€11k▼
2024 · €24k
Income taxes
€60k▲
2024 · €43k
Staff costs
€68k▼
2024 · €74k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€469k€591k▲
Formation expenses20€0€0=
Fixed assets21/28€71k€57k▼
Tangible fixed assets22/27€71k€57k▼
Land and buildings22€5k€7k▲
Plant, machinery and equipment23€23k€13k▼
Furniture and vehicles24€42k€37k▼
Current assets29/58€398k€534k▲
Stocks and contracts in progress3€172k€213k▲
Stocks30/36€161k€193k▲
Contracts in progress37€11k€20k▲
Amounts receivable within one year40/41€50k€101k▲
Trade receivables40€49k€80k▲
Other amounts receivable41€421€21k▲
Cash at bank and in hand54/58€176k€219k▲
Deferred charges and accrued income490/1€407€619▲
Equity and liabilities
Total equity and liabilities10/49€469k€591k▲
Equity10/15€364k€501k▲
Contributions10/11€5k€5k=
Reserves13€359k€496k▲
Distributable reserves133€359k€496k▲
Profit (loss) carried forward14€60€64▲
Amounts payable17/49€105k€90k▼
Amounts payable after more than one year17€24k€11k▼
Financial debts170/4€24k€11k▼
Amounts payable within one year42/48€81k€79k▼
Current portion of amounts payable after more than one year42€19k€13k▼
Trade debts44€36k€27k▼
Suppliers440/4€36k€27k▼
Taxes, remuneration and social security45€25k€37k▲
Taxes450/3€19k€31k▲
Remuneration and social security454/9€6k€7k▲
Other amounts payable47/48€2k€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€74k€68k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€32k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€301k€305k▲
Operating profit (loss)9901€195k€204k▲
Financial income75/76B€160€976▲
Recurring financial income75€160€976▲
Financial charges65/66B€10k€6k▼
Recurring financial charges65€10k€6k▼
Profit (loss) for the period before taxes9903€185k€199k▲
Income taxes67/77€43k€60k▲
Profit (loss) for the period9904€142k€139k▼
Profit (loss) for the period to be appropriated9905€142k€139k▼
Appropriation of the result
Profit (loss) to be appropriated9906€142k€139k▼
Profit (loss) brought forward from the previous period14P€34€60▲
Transfer to equity691/2€140k€136k▼
To other reserves6921€140k€136k▼
Profit to be distributed694/7€2k€3k▲
Return on contributions (dividend)694€2k€2k▼
Employees696-€1k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €60k | €74k | €68k | ▼ 8.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22k | €29k | €32k | ▲ 9.9% |
| Other operating charges640/8 | €1k | €3k | €2k | ▼ 33.2% |
| Non-recurring operating charges66A | €7k | - | - | - |
| Gross operating margin9900 | €390k | €301k | €305k | ▲ 1.4% |
| Operating profit (loss)9901 | €299k | €195k | €204k | ▲ 4.4% |
| Financial income75/76B | €131 | €160 | €976 | ▲ 510% |
| Recurring financial income75 | €131 | €160 | €976 | ▲ 510% |
| Financial charges65/66B | €6k | €10k | €6k | ▼ 44.7% |
| Recurring financial charges65 | €6k | €10k | €6k | ▼ 44.7% |
| Profit (loss) for the period before taxes9903 | €293k | €185k | €199k | ▲ 7.6% |
| Income taxes67/77 | €72k | €43k | €60k | ▲ 38.5% |
| Profit (loss) for the period9904 | €222k | €142k | €139k | ▼ 1.8% |
| Profit (loss) for the period to be appropriated9905 | €222k | €142k | €139k | ▼ 1.8% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €536k | €469k | €591k | ▲ 25.9% |
| Formation expenses20 | - | €0 | €0 | - |
| Fixed assets21/28 | €89k | €71k | €57k | ▼ 19.8% |
| Tangible fixed assets22/27 | €89k | €71k | €57k | ▼ 19.8% |
| Land and buildings22 | €4k | €5k | €7k | ▲ 22.6% |
| Plant, machinery and equipment23 | €26k | €23k | €13k | ▼ 43.7% |
| Furniture and vehicles24 | €59k | €42k | €37k | ▼ 12.0% |
| Current assets29/58 | €448k | €398k | €534k | ▲ 34.1% |
| Stocks and contracts in progress3 | €234k | €172k | €213k | ▲ 23.8% |
| Stocks30/36 | €197k | €161k | €193k | ▲ 19.8% |
| Contracts in progress37 | €37k | €11k | €20k | ▲ 85.4% |
| Amounts receivable within one year40/41 | €87k | €50k | €101k | ▲ 105% |
| Trade receivables40 | €46k | €49k | €80k | ▲ 63.3% |
| Other amounts receivable41 | €42k | €421 | €21k | ▲ 4,932% |
| Cash at bank and in hand54/58 | €127k | €176k | €219k | ▲ 24.3% |
| Deferred charges and accrued income490/1 | €285 | €407 | €619 | ▲ 52.0% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €536k | €469k | €591k | ▲ 25.9% |
| Equity10/15 | €225k | €364k | €501k | ▲ 37.4% |
| Contributions10/11 | €5k | €5k | €5k | = |
| Reserves13 | €220k | €359k | €496k | ▲ 38.0% |
| Distributable reserves133 | €220k | €359k | €496k | ▲ 38.0% |
| Profit (loss) carried forward14 | €26 | €60 | €64 | ▲ 7.4% |
| Amounts payable17/49 | €311k | €105k | €90k | ▼ 13.9% |
| Amounts payable after more than one year17 | €167k | €24k | €11k | ▼ 53.1% |
| Financial debts170/4 | €167k | €24k | €11k | ▼ 53.1% |
| Amounts payable within one year42/48 | €144k | €81k | €79k | ▼ 2.5% |
| Current portion of amounts payable after more than one year42 | €22k | €19k | €13k | ▼ 32.7% |
| Trade debts44 | €58k | €36k | €27k | ▼ 25.4% |
| Suppliers440/4 | €58k | €36k | €27k | ▼ 25.4% |
| Taxes, remuneration and social security45 | €65k | €25k | €37k | ▲ 50.9% |
| Taxes450/3 | €63k | €19k | €31k | ▲ 65.1% |
| Remuneration and social security454/9 | €2k | €6k | €7k | ▲ 8.1% |
| Other amounts payable47/48 | - | €2k | €2k | ▲ 42.3% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €222k | €142k | €139k | ▼ 1.8% |
| + Depreciation and write-downs630 | €22k | €29k | €32k | ▲ 9.9% |
| Operating cash flow (approximation) | €243k | €170k | €171k | ▲ 0.2% |
| Investment in fixed assets (approximation) | - | €-11k | €-18k | ▼ 56.7% |
| Change in cash | - | €50k | €43k | ▼ 13.9% |
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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €139k ▼1.8%
Net result drops to €139k, the lowest in the series.
30-09
Financial
Equity above €500kEq €501k ▲37.4%
3 profitable years in a row build equity to €501k.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Oudsbergen · 1 establishment unit since 2022
Ground area
2,149 m²
Building footprint
1,170 m²
Volume, LiDAR
2,323 m³
Parcel 72022B1075/00C006, Flanders · tallest building 5.9 m. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
UMA Electrics
since 20222.335.092.678
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72022B1075/00C006 | Flanders | 2,149 m² | 1 · 1,170 m² | 5.9 m |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,367 EUR awarded · 1,248 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 486 EUR | 315 EUR |
| 2024 | 1 | 621 EUR | 621 EUR |
| 2023 | 1 | 53 EUR | 145 EUR |
| 2022 | 1 | 207 EUR | 167 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 22,815 companies in sector 43211 we hold annual accounts for 10,325. 6,482 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
Founded30-08-2022
Fiscal year end30-09
Activities, NACEBEL 2025
43211General electrical installation work
46474Wholesale trade
46643Wholesale of electrical equipment, including installation materials
47540Retail sale of electrical household appliances
Scores and ratios are computed by Checked and are not a credit decision.