umain Eeklo
ActiveSummary
umain Eeklo has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €105k and a net result of €20k. Equity is shrinking by ~10% per year across the filed fiscal years. Its solvency ranks better than 24% of 3307 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability72▲+5
Solvency40▼-2
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 1.01 in 2024; short-term debt: 60.5% and cash: 9.6% of total assets), and 84.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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 →
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
15.2%
Return on assets
2.8%
Age of the figures
9 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 3307 sector peers (2025).
NBB · sector comparisonPosition among 3307 sector peers
Solvency
better than 24%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €105k
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 19-05-2026, 73 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
73 d early
2024
93 d early
2023
64 d early
2022
53 d early
2021
59 d early
2020
38 d early
2019
36 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€105k▲ 15.4%
2024 · €91k
Total assets
€690k▲ 27.7%
2024 · €540k
Net result
€20k▲ 75.1%
2024 · €11k
Working capital
€25k▲ 627%
2024 · €3k
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
Operating result€127k▼ 36.4%€76k▼ 39.9%€68k▼ 11.3%€29k▼ 57.0%€40k▲ 37.7%
Net result€95k▼ 36.6%€66k▼ 30.6%€45k▼ 31.5%€11k▼ 75.3%€20k▲ 75.1%
Equity€128k▲ 4.1%€94k▼ 26.5%€79k▼ 15.7%€91k▲ 14.1%€105k▲ 15.4%
Total assets€318k▼ 10.6%€616k▲ 93.5%€586k▼ 4.8%€540k▼ 7.9%€690k▲ 27.7%
Debt€190k▼ 18.4%€522k▲ 174%€507k▼ 2.8%€449k▼ 11.3%€585k▲ 30.2%
Working capital€139k▲ 27.9%€44k▼ 68.0%€26k▼ 41.3%€3k▼ 86.8%€25k▲ 627%
Staff (FTE)3.8▲ 72.7%4.5▲ 18.4%4.2▼ 6.7%4.9▲ 16.7%6.4▲ 30.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 38% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €690k
Fixed assets
€247k ▼ 13.4%
Current assets
€442k ▲ 74.0%
Equity and liabilities €690k
Equity
€105k ▲ 15.4%
Debt
€585k ▲ 30.2%
Debt's share of the balance-sheet total rises from 83.2% to 84.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€82k▲
2024 · €67k
Cash flow
€61k▲
2024 · €49k
Current ratio
1.06▲
2024 · 1.01
Debt to equity
5.60▲
2024 · 4.96
ROE
18.7%▲
2024 · 12.3%
ROA
2.8%▲
2024 · 2.1%
Interest coverage
6.77▲
2024 · 5.49
Debt ≤ 1 year
€417k▲
2024 · €251k
Debt > 1 year
€166k▼
2024 · €199k
Income taxes
€9k▲
2024 · €6k
Staff costs
€323k▲
2024 · €226k
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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €160k | €199k | €248k | €226k | €323k | ▲ 43.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9k | €19k | €37k | €38k | €42k | ▲ 10.4% |
| Other operating charges640/8 | €999 | €750 | €2k | €2k | €3k | ▲ 2.3% |
| Non-recurring operating charges66A | - | - | €50 | €0 | - | - |
| Gross operating margin9900 | €298k | €295k | €355k | €295k | €407k | ▲ 38.0% |
| Operating profit (loss)9901 | €127k | €76k | €68k | €29k | €40k | ▲ 37.7% |
| Financial income75/76B | €754 | €640 | €308 | €111 | €212 | ▲ 91.0% |
| Recurring financial income75 | €754 | €640 | €308 | €111 | €212 | ▲ 91.0% |
| Financial charges65/66B | €354 | €11k | €9k | €12k | €12k | ▼ 0.8% |
| Recurring financial charges65 | €354 | €11k | €9k | €12k | €12k | ▼ 0.8% |
| Profit (loss) for the period before taxes9903 | €127k | €66k | €59k | €17k | €28k | ▲ 65.4% |
| Income taxes67/77 | €32k | €0 | €14k | €6k | €9k | ▲ 47.0% |
| Profit (loss) for the period9904 | €95k | €66k | €45k | €11k | €20k | ▲ 75.1% |
| Profit (loss) for the period to be appropriated9905 | €95k | €66k | €45k | €11k | €20k | ▲ 75.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €318k | €616k | €586k | €540k | €690k | ▲ 27.7% |
| Fixed assets21/28 | €13k | €312k | €307k | €286k | €247k | ▼ 13.4% |
| Intangible fixed assets21 | - | €36k | €28k | €21k | €13k | ▼ 37.0% |
| Tangible fixed assets22/27 | €12k | €276k | €278k | €265k | €234k | ▼ 11.6% |
| Land and buildings22 | - | €247k | €251k | €237k | €216k | ▼ 8.8% |
| Plant, machinery and equipment23 | €8k | €15k | €17k | €21k | €14k | ▼ 31.6% |
| Furniture and vehicles24 | €5k | €14k | €10k | €7k | €4k | ▼ 45.0% |
| Financial fixed assets28 | €300 | €300 | €0 | - | - | - |
| Current assets29/58 | €306k | €304k | €280k | €254k | €442k | ▲ 74.0% |
| Stocks and contracts in progress3 | €13k | €0 | €17k | €16k | €0 | ▼ 100% |
| Contracts in progress37 | €13k | €0 | €17k | €16k | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €125k | €130k | €216k | €190k | €353k | ▲ 86.0% |
| Trade receivables40 | €118k | €130k | €190k | €188k | €352k | ▲ 87.0% |
| Other amounts receivable41 | €8k | €0 | €26k | €1k | €853 | ▼ 42.3% |
| Cash at bank and in hand54/58 | €167k | €174k | €37k | €29k | €66k | ▲ 126% |
| Deferred charges and accrued income490/1 | - | - | €10k | €19k | €23k | ▲ 18.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €318k | €616k | €586k | €540k | €690k | ▲ 27.7% |
| Equity10/15 | €128k | €94k | €79k | €91k | €105k | ▲ 15.4% |
| Contributions10/11 | €20k | €20k | €20k | €20k | €20k | = |
| Reserves13 | €108k | €74k | €59k | €71k | €85k | ▲ 19.8% |
| Distributable reserves133 | €108k | €74k | €59k | €71k | €85k | ▲ 19.8% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €190k | €522k | €507k | €449k | €585k | ▲ 30.2% |
| Amounts payable after more than one year17 | - | €262k | €231k | €199k | €166k | ▼ 16.5% |
| Financial debts170/4 | - | €262k | €231k | €199k | €166k | ▼ 16.5% |
| Amounts payable within one year42/48 | €167k | €260k | €254k | €251k | €417k | ▲ 66.5% |
| Current portion of amounts payable after more than one year42 | - | €31k | €31k | €32k | €33k | ▲ 2.3% |
| Trade debts44 | €39k | €69k | €103k | €159k | €280k | ▲ 76.1% |
| Suppliers440/4 | €39k | €69k | €103k | €159k | €280k | ▲ 76.1% |
| Advances received on contracts in progress46 | - | - | €127 | €0 | €88 | - |
| Taxes, remuneration and social security45 | €38k | €58k | €60k | €60k | €99k | ▲ 65.6% |
| Taxes450/3 | €20k | €32k | €42k | €42k | €69k | ▲ 63.3% |
| Remuneration and social security454/9 | €18k | €26k | €18k | €18k | €30k | ▲ 71.0% |
| Other amounts payable47/48 | €90k | €102k | €60k | €0 | €6k | - |
| Accrued charges and deferred income492/3 | €23k | €114 | €22k | €0 | €2k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €95k | €66k | €45k | €11k | €20k | ▲ 75.1% |
| + Depreciation and write-downs630 | €9k | €19k | €37k | €38k | €42k | ▲ 10.4% |
| Operating cash flow (approximation) | €104k | €85k | €82k | €49k | €61k | ▲ 25.2% |
| Investment in fixed assets (approximation) | - | €-318k | €-32k | €-17k | €-3k | ▲ 81.5% |
| Change in cash | - | €7k | €-138k | €-7k | €37k | ▲ 594% |
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
24-09
State Gazette act
Incorporation · Founder
Legal form clause · Name clause
21-09
State Gazette act
Incorporation · Founder
Founding capital · Bank account
11-08
State Gazette act
General meeting · Director resignation
Director discharge · Director appointment
19-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €100kEq €105k ▲15.4%
8 profitable years in a row build equity to €105k.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €11k ▼75.3%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-12
Financial
Highest result since 2018net €190k ▲14.9%
Operating result €259k, net result €190k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 5.25
Current ratio from 1.49 to 5.25; short-term debt falls from €279k to €75k.
31-12
Financial
Equity above €200kEq €334k ▲132%
2 profitable years in a row build equity to €334k.
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Eeklo · 1 establishment unit since 2013
Ground area
1.7 ha
Building footprint
4,856 m²
Volume, LiDAR
23,327 m³
2 parcels, Flanders · tallest building 20.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
umain Eeklo
since 20132.222.784.989
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43005A0749/00R003 | Flanders | 1.0 ha | 1 · 2,673 m² | 6.7 m · 1 fl. |
| 43005A0749/00W004 | Flanders | 6,422 m² | 1 · 2,182 m² | 20.2 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 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
2022 to 2025 · 6 entries · 11,775 EUR awarded · 11,589 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,113 EUR | 927 EUR |
| 2024 | 1 | 3,000 EUR | 3,000 EUR |
| 2023 | 2 | 126 EUR | 7,536 EUR |
| 2022 | 2 | 7,536 EUR | 126 EUR |
Schemes
Werkbaarheidscheque (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,479 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
Founded04-10-2013
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Contact
Scores and ratios are computed by Checked and are not a credit decision.