UNIVERS COUTURE

Active

Private limited companyfounded 20188 yrs activeNeerstalse Steenweg 11, 1190 Vorst, BelgiumKBO/BCE: BE 0704.799.723

UNIVERS COUTURE has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-4k) and a net result of €5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 202 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

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Checked score

Score 2025

55 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency0=

Growth38=

Track record100

Bankruptcy probability, 12 months

0.6% Low

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.39 against 0.35 in 2024; short-term debt: 124.2% and cash: 15.1% of total assets), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 13

Relative position

BE, all sectors

reference

Sector 13

lower

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

-54.9%

Return on assets

64.1%

Age of the figures

9 mo

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 202 sector peers (2025).

NBB · sector comparison

Position among 202 sector peers

Solvency

better than 12%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 7 filings

Deviation from the deadline

2025

31 d late

2024

61 d late

2023

61 d late

2022

31 d late

2021

22 d late

2020

31 d late

2019

91 d late

← before the deadline after the deadline →

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 months

Position in the running window

22-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

€15k▼ 52.5%

2019 · €32k

2019: €32k

2019 → 2020

EBIT margin

-31.7%▼ 28.7pp

2019 · -2.9%

2019: -2.9%

2019 → 2020

Net result

€5k▲ 53.6%

2024 · €3k

2019: €-876 2020: €-5k 2021: €-11k 2022: €-4k 2023: €2k 2024: €3k

2019 → 2025

Working capital

€-6k▲ 53.8%

2024 · €-13k

2019: €3k 2020: €-2k 2021: €-12k 2022: €-17k 2023: €-18k 2024: €-13k

2019 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€-11k-€-15k▼ 33.1%€-13k▲ 12.4%€-10k▲ 26.0%€-4k▲ 53.9%

Operating result€-11k-€-4k▲ 67.5%€2k€3k▲ 80.5%€3k▼ 3.1%

Net result€-11k-€-4k▲ 66.6%€2k€3k▲ 83.4%€5k▲ 53.6%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 3% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €8k

51.8%

48.2%

Fixed assets €4k▼ 10.1%

Current assets €4k▼ 46.4%

Key figures and ratios

2025 value · change against 2024

EBITDA

€5k▼

2024 · €5k

Cash flow

€7k▲

2024 · €5k

Solvency

-54.9%▲

2024 · -80.7%

Current ratio

0.39▲

2024 · 0.35

Quick ratio

0.35▲

2024 · 0.30

Debt / equity

-2.82▼

2024 · -2.24

ROA

64.1%▲

2024 · 28.3%

Interest coverage

32.93▼

2024 · 62.32

Debt

€13k▼

2024 · €22k

Debt ≤ 1 year

€10k▼

2024 · €21k

Staff costs

€3k

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€12k€8k▼

Fixed assets21/28€5k€4k▼

Tangible fixed assets22/27€5k€4k▼

Plant, machinery and equipment23€84-

Furniture and vehicles24€1k€2k▲

Other tangible fixed assets26€4k€2k▼

Current assets29/58€7k€4k▼

Stocks and contracts in progress3€1k€430▼

Stocks30/36€1k€430▼

Amounts receivable within one year40/41€6k€2k▼

Trade receivables40€4k€951▼

Other amounts receivable41€2k€1k▼

Cash at bank and in hand54/58€200€1k▲

Equity and liabilities

Total equity and liabilities10/49€12k€8k▼

Equity10/15€-10k€-4k▲

Contributions10/11€6k€6k=

Profit (loss) carried forward14€-16k€-11k▲

Amounts payable17/49€22k€13k▼

Amounts payable within one year42/48€21k€10k▼

Trade debts44€6k€2k▼

Suppliers440/4€6k€2k▼

Taxes, remuneration and social security45-€907

Remuneration and social security454/9-€907

Other amounts payable47/48€15k€7k▼

Accrued charges and deferred income492/3€1k€3k▲

Income statement Code20242025

Remuneration, social security and pensions62-€3k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼

Other operating charges640/8€480€426▼

Gross operating margin9900€6k€8k▲

Operating profit (loss)9901€3k€3k▼

Financial income75/76B-€2k

Recurring financial income75-€2k

Financial charges65/66B€84€153▲

Recurring financial charges65€84€153▲

Profit (loss) for the period before taxes9903€3k€5k▲

Profit (loss) for the period9904€3k€5k▲

Profit (loss) for the period to be appropriated9905€3k€5k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-16k€-11k▲

Profit (loss) brought forward from the previous period14P€-19k€-16k▲

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 10Financial 3Filings 7

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

2025

31-12

Financial Highest result since 2019net €5k ▲53.6%

Net result €5k, the highest in the series.

30-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 61 days late

2024

30-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 61 days late

2023

31-12

Financial Back to profitnet €2k

Net result €2k after 4 loss-making years.

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

2022

22-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 22 days late

2021

31-12

Financial Weakest financial yearnet €-11k

Net result drops to €-11k, the lowest in the series; recovery starts the following year.

31-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 31 days late

2020

30-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 91 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

4 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, Vorst · 1 establishment unit since 2018

establishment The establishment unit on the map

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.

Neerstalse Steenweg 111190 Vorst

Ground area

86 m²

Building footprint

83 m²

Volume, LiDAR

692 m³

Parcel 21384D0172/00N002, Brussels · tallest building 14.7 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

UNIVERS COUTURE

Neerstalse Steenweg 11, 1190 VorstRepair and maintenance of other personal and household goods

since 20182.281.672.996

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21384D0172/00N002	Brussels	86 m²	1 · 83 m²	14.7 m · 3 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.

Similar companies · same sector, comparable size

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ANCIENNE USINE AUGUSTE HAINAUT

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Blue Monk

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Of 210 companies in sector 13100 we hold annual accounts for 139. 12 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded20-09-2018

Fiscal year end31-12

Activities, NACEBEL

13100Manufacture of textiles

95290Repair and maintenance of other personal and household goods

Sources

Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.