umain Gent
Activeumain Gent has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €386k and a net result of €60k. Equity is growing by ~16.6% per year across the filed fiscal years. Its solvency ranks better than 25% of 3286 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55=
Solvency41▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.27 in 2024; short-term debt: 72.1% and cash: 16.7% of total assets), and 84% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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
Sector 69
lower
← 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
16%
Return on assets
2.5%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
9 d early
2023
37 d early
2022
3 d early
2021
3 d early
2020
1 d early
2019
1 d early
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€386k▲ 18.5%
2024 · €326k
2018: €132k
2019: €133k
2020: €206k
2021: €206k
2022: €261k
2023: €283k
2024: €326k
2018 → 2025
Total assets
€2.42M▲ 6.8%
2024 · €2.27M
2018: €1.24M
2019: €1.36M
2020: €1.41M
2021: €1.55M
2022: €1.75M
2023: €2.10M
2024: €2.27M
2018 → 2025
Net result
€60k▲ 40.2%
2024 · €43k
2018: €4k
2019: €2k
2020: €73k
2021: €112
2022: €55k
2023: €21k
2024: €43k
2018 → 2025
Working capital
€446k▲ 6.7%
2024 · €418k
2018: €39k
2019: €39k
2020: €242k
2021: €97k
2022: €192k
2023: €270k
2024: €418k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€206k-€261k▲ 26.6%€283k▲ 8.2%€326k▲ 15.3%€386k▲ 18.5%
Operating result€5k-€95k▲ 1,995%€44k▼ 53.9%€109k▲ 151%€137k▲ 25.7%
Net result€112-€55k▲ 48,877%€21k▼ 60.9%€43k▲ 100%€60k▲ 40.2%
Turnover and EBIT margin not published: the abbreviated 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 26% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.42M
Fixed assets
€228k▼ 16.9%
Current assets
€2.19M▲ 10.0%
Equity and liabilities €2.42M
Equity
€386k▲ 18.5%
Provisions
€12k▲ 33.3%
Debt
€2.02M▲ 4.7%
The debt ratio falls from 85.2% to 83.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€235k▲
2024 · €230k
Cash flow
€158k▼
2024 · €164k
Solvency
16.0%▲
2024 · 14.4%
Current ratio
1.26▼
2024 · 1.27
Quick ratio
1.26▼
2024 · 1.27
Debt / equity
5.23▼
2024 · 5.93
ROE
15.6%▲
2024 · 13.2%
ROA
2.5%▲
2024 · 1.9%
Interest coverage
3.94▼
2024 · 4.11
Debt
€2.02M▲
2024 · €1.93M
Debt ≤ 1 year
€1.75M▲
2024 · €1.57M
Debt > 1 year
€260k▼
2024 · €326k
Income taxes
€29k▲
2024 · €26k
Staff costs
€969k▼
2024 · €1.17M
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.27M€2.42M▲
Fixed assets21/28€275k€228k▼
Intangible fixed assets21€141k€92k▼
Tangible fixed assets22/27€134k€137k▲
Land and buildings22€4k€3k▼
Furniture and vehicles24€58k€31k▼
Other tangible fixed assets26€49k€81k▲
Assets under construction and advance payments27€22k€22k=
Financial fixed assets28€0-
Current assets29/58€1.99M€2.19M▲
Amounts receivable within one year40/41€1.71M€1.67M▼
Trade receivables40€1.70M€1.65M▼
Other amounts receivable41€15k€15k▼
Cash at bank and in hand54/58€145k€405k▲
Deferred charges and accrued income490/1€133k€122k▼
Equity and liabilities
Total equity and liabilities10/49€2.27M€2.42M▲
Equity10/15€326k€386k▲
Contributions10/11€19k€19k=
Reserves13€307k€367k▲
Distributable reserves133€307k€367k▲
Provisions and deferred taxes16€9k€12k▲
Provisions for liabilities and charges160/5€9k€12k▲
Major repairs and maintenance162€9k€12k▲
Amounts payable17/49€1.93M€2.02M▲
Amounts payable after more than one year17€326k€260k▼
Financial debts170/4€326k€260k▼
Amounts payable within one year42/48€1.57M€1.75M▲
Current portion of amounts payable after more than one year42€102k€150k▲
Financial debts43€600k€600k=
Credit institutions430/8€600k€600k=
Trade debts44€677k€819k▲
Suppliers440/4€677k€819k▲
Advances received on contracts in progress46€3k€2k▼
Taxes, remuneration and social security45€190k€167k▼
Taxes450/3€82k€82k▲
Remuneration and social security454/9€108k€84k▼
Other amounts payable47/48€3k€8k▲
Accrued charges and deferred income492/3€32k€16k▼
Income statement
Code20242025
Non-recurring operating income76A-€322
Remuneration, social security and pensions62€1.17M€969k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€121k€98k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€54k€19k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€3k€4k▲
Other operating charges640/8€68k€72k▲
Gross operating margin9900€1.52M€1.30M▼
Operating profit (loss)9901€109k€137k▲
Financial income75/76B€16k€11k▼
Recurring financial income75€16k€11k▼
Financial charges65/66B€56k€60k▲
Recurring financial charges65€56k€60k▲
Profit (loss) for the period before taxes9903€69k€89k▲
Income taxes67/77€26k€29k▲
Profit (loss) for the period9904€43k€60k▲
Profit (loss) for the period to be appropriated9905€43k€60k▲
Appropriation of the result
Profit (loss) to be appropriated9906€43k€60k▲
Profit (loss) brought forward from the previous period14P€303€0▼
Transfer to equity691/2€43k€60k▲
To other reserves6921€43k€60k▲
Social balance
Average headcount (FTE)908722.417.3▼
The notes to these accounts (20 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-09
State Gazette act
Incorporation · Founding capital
Corporate purpose · First fiscal year
11-09
State Gazette act
Incorporation · Founding capital
Bank account · Corporate purpose
08-09
State Gazette act
General meeting · Director resignation
Power of attorney
04-09
State Gazette act
Board meeting · Registered-office move
Power of attorney
01-09
State Gazette act
General meeting · Approval
Director discharge · Permanent representative
01-09
State Gazette act
General meeting · Statutes amendment
Corporate purpose · Director resignation
31-08
State Gazette act
Board meeting · Registered-office move
Power of attorney
21-08
State Gazette act
General meeting · Director resignation
Power of attorney
19-08
State Gazette act
General meeting · Registered-office move
Power of attorney
18-08
State Gazette act
General meeting · Director appointment
Mandate compensation · Permanent representative
18-08
State Gazette act
General meeting · Dissolution
Liquidation · Director resignation
14-08
State Gazette act
General meeting · Director resignation
Power of attorney
11-08
State Gazette act
General meeting · Merger
Share issue · Share transfer
11-08
State Gazette act
General meeting · Merger
Share issue · Share transfer
05-08
State Gazette act
General meeting · Net-asset statement
Dissolution · Liquidation closure
04-08
State Gazette act
General meeting · Director resignation
Director appointment · Mandate compensation
04-08
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
04-08
State Gazette act
Board meeting · Registered-office move
Power of attorney
04-08
State Gazette act
Board meeting · Registered-office move
Power of attorney
31-07
State Gazette act
Board meeting · Registered-office move
Power of attorney
31-07
State Gazette act
General meeting · Approval
Director resignation · Director discharge
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
22-07
State Gazette act
Incorporation · Founder
Founding capital · Bank account
14-07
State Gazette act
General meeting · Share split
Capital increase · Bank account · Jeroen Brysse
22-05
State Gazette act
Merger · Capital
Corporate purpose · Accounting effect
22-05
State Gazette act
Merger · Capital
Corporate purpose · Board composition
31-03
State Gazette act
General meeting · Registered-office move
Power of attorney
27-03
State Gazette act
General meeting · Net-asset statement
Asset transfer · Approval
23-03
State Gazette act
Board meeting · Registered-office move
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €112 ▼99.8%
Net result drops to €112, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €73k ▲4677%
Net result €73k, the highest in the series.
31-12
Financial
Equity above €200kEq €206k ▲54.7%
3 profitable years in a row build equity to €206k.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2019
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
02-01-2019
Daniël Moens: Resigned as Manager
02-01-2019
Frank Van de Velde: Resigned as Manager
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 1985
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Brugsevaart 929030 GentGround area
2,582 m²
Building footprint
443 m²
Volume, LiDAR
1,063 m³
Parcel 44038A0136/00K000, Flanders · tallest building 9.2 m. Linked by address, not a title deed.
1 establishment unit
umain Gent
since 19852.026.611.496
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44038A0136/00K000 | Flanders | 2,582 m² | 1 · 443 m² | 9.2 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 · 6 entries · 7,640 EUR awarded · 8,706 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,173 EUR | 1,745 EUR |
| 2024 | 2 | 3,107 EUR | 2,535 EUR |
| 2023 | 2 | 2,365 EUR | 3,431 EUR |
| 2022 | 1 | 995 EUR | 995 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
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Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 5,802 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-03-1985
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
74122
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.