UNIVEL
ActiveUNIVEL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €19.81M and a net result of €7.13M. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 92% of 5495 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-12-2025 was due by 30-07-2026 and was filed on 22-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
12 d early
2023
5 d early
2022
2 d early
2021
39 d early
2020
4 d early
2019
52 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-12-2026 and is due by 30-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today30-12-2026 close30-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€19.81M▲ 56.2%
2024 · €12.68M
2018: €1.11M
2019: €10.12M
2020: €10.21M
2021: €10.34M
2022: €10.49M
2023: €12.44M
2024: €12.68M
2018 → 2025
Net result
€7.13M▲ 2,868%
2024 · €240k
2018: €887k
2019: €9.01M
2020: €96k
2021: €360k
2022: €146k
2023: €1.95M
2024: €240k
2018 → 2025
Total assets
€20.53M▲ 61.2%
2024 · €12.74M
2018: €4.13M
2019: €12.43M
2020: €10.76M
2021: €10.72M
2022: €10.62M
2023: €12.67M
2024: €12.74M
2018 → 2025
Solvency
96.5%▼ 3.1pp
2024 · 99.6%
2018: 26.9%
2019: 81.4%
2020: 94.9%
2021: 96.5%
2022: 98.8%
2023: 98.2%
2024: 99.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10.34M-€10.49M▲ 1.4%€12.44M▲ 18.6%€12.68M▲ 1.9%€19.81M▲ 56.2%
Operating result€101k-€100k▼ 1.7%€101k▲ 1.3%€101k▼ 0.1%€95k▼ 6.2%
Net result€360k-€146k▼ 59.4%€1.95M▲ 1,235%€240k▼ 87.7%€7.13M▲ 2,868%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 6% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €20.53M
Fixed assets
€4.13M=
Current assets
€16.41M▲ 90.6%
Equity and liabilities €20.53M
Equity
€19.81M▲ 56.2%
Debt
€722k▲ 1,221%
The debt ratio rises from 0.4% to 3.5%: debt grows faster than equity.
Key figures and ratios
Solvency
96.5%▼
2024 · 99.6%
ROE
36.0%▲
2024 · 1.9%
ROA
34.7%▲
2024 · 1.9%
Debt
€722k▲
2024 · €55k
Debt ≤ 1 year
€721k▲
2024 · €53k
Income taxes
€810k▲
2024 · €104k
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€12.74M€20.53M▲
Fixed assets21/28€4.13M€4.13M=
Financial fixed assets28€4.13M€4.13M=
Current assets29/58€8.61M€16.41M▲
Amounts receivable within one year40/41€7.66M€15.33M▲
Trade receivables40€12k€12k=
Other amounts receivable41€7.65M€15.32M▲
Current investments50/53€664k€712k▲
Cash at bank and in hand54/58€52k€68k▲
Deferred charges and accrued income490/1€230k€291k▲
Equity and liabilities
Total equity and liabilities10/49€12.74M€20.53M▲
Equity10/15€12.68M€19.81M▲
Contributions10/11€20k€20k=
Reserves13€12.66M€19.79M▲
Non-distributable reserves130/1€12.66M€19.79M▲
Other1319€12.66M€19.79M▲
Amounts payable17/49€55k€722k▲
Amounts payable within one year42/48€53k€721k▲
Financial debts43€22k€29k▲
Credit institutions430/8€22k€29k▲
Trade debts44€629€4k▲
Suppliers440/4€629€4k▲
Taxes, remuneration and social security45€18k€681k▲
Taxes450/3€17k€680k▲
Remuneration and social security454/9€1k€1k=
Other amounts payable47/48€12k€7k▼
Accrued charges and deferred income492/3€1k€700▼
Income statement
Code20242025
Other operating charges640/8€1k€1k▲
Gross operating margin9900€102k€96k▼
Operating profit (loss)9901€101k€95k▼
Financial income75/76B€256k€7.86M▲
Recurring financial income75€256k€7.86M▲
Financial charges65/66B€13k€15k▲
Recurring financial charges65€13k€15k▲
Profit (loss) for the period before taxes9903€344k€7.94M▲
Income taxes67/77€104k€810k▲
Profit (loss) for the period9904€240k€7.13M▲
Profit (loss) for the period to be appropriated9905€240k€7.13M▲
Appropriation of the result
Profit (loss) to be appropriated9906€240k€7.13M▲
Transfer to equity691/2€240k€7.13M▲
To other reserves6921€240k€7.13M▲
The notes to these accounts (2 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-12
Financial
Liquidity quadruplescurrent ratio 161.57
Current ratio from 38.79 to 161.57; short-term debt falls from €220k to €53k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-12
Financial
Liquidity triplescurrent ratio 52.87
Current ratio from 17.81 to 52.87; short-term debt falls from €370k to €123k.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-12
Financial
Weakest financial yearnet €96k ▼98.9%
Net result drops to €96k, the lowest in the series; recovery starts the following year.
30-12
Financial
Liquidity quadruplescurrent ratio 12.81
Current ratio from 3.60 to 12.81; short-term debt falls from €2.31M to €518k.
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-12
Financial
Highest result since 2018net €9.01M ▲916%
Net result €9.01M, the highest in the series.
30-12
Financial
Liquidity times 3717current ratio 3.60
Current ratio from 0.00 to 3.60; short-term debt falls from €3.02M to €2.31M.
30-12
Financial
Equity above €10MEq €10.12M ▲812%
2 profitable years in a row build equity to €10.12M.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Destelbergen · 1 establishment unit since 2007
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.
Puntweg(HEU) 99070 DestelbergenGround area
2,004 m²
Building footprint
255 m²
Volume, LiDAR
1,706 m³
Parcel 44028D0530/00B000, Flanders · tallest building 11.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
UNIVEL
since 20072.160.631.250
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44028D0530/00B000 | Flanders | 2,004 m² | 1 · 255 m² | 11.9 m · 2 fl. |
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.
Recognitions · licences · registrations
Legal Entity Identifier
894500VTPHCH9LAMQ606
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 4,285 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-01-2007
Fiscal year end30-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.