UNIVERSAL
Open bankruptcyA bankruptcy procedure is open for UNIVERSAL according to publications in the Belgian State Gazette; curator: STéPHANE VAN MOORLEGHEM. The 2022 annual accounts show negative equity (€-98k) and a net result of €-4k.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 30-08-2023, 30 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
30 d late
2021
31 d late
2020
58 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2022, micro schema
Turnover
€20k
EBIT margin
-121.1%
Net result
€-4k
2021 · €7k
2018: €-27k
2019: €-16k
2020: €-9k
2021: €7k
2018 → 2022
Working capital
€52k▼ 5.8%
2021 · €55k
2018: €-2k
2019: €57k
2020: €50k
2021: €55k
2018 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20182019202020212022Trend
Turnover€20k
Equity€-77k-€-92k▼ 20.3%€-101k▼ 9.7%€-95k▲ 6.6%€-98k▼ 3.8%
Operating result€-26k-€-15k▲ 41.3%€-9k▲ 42.2%€-24k▼ 165%€-4k▲ 83.8%
Net result€-27k-€-16k▲ 41.4%€-9k▲ 42.4%€7k€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2022 against €24k in 2021; the loss shrinks.
Key figures and ratios
Solvency
-123.4%▼
2021 · -115.6%
Current ratio
2.85▼
2021 · 3.06
Quick ratio
0.04▼
2021 · 0.11
Debt / equity
-1.81▲
2021 · -1.86
ROE
3.7%▲
2021 · -7.0%
ROA
-4.5%▼
2021 · 8.1%
Debt
€178k▲
2021 · €177k
Debt ≤ 1 year
€28k▲
2021 · €27k
Debt > 1 year
€150k=
2021 · €150k
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 · 2022 against 2021
Balance sheet
Code20212022
Assets
Total assets20/58€82k€80k▼
Fixed assets21/28€394-
Financial fixed assets28€394-
Current assets29/58€82k€80k▼
Stocks and contracts in progress3€79k€79k=
Stocks30/36€79k€79k=
Amounts receivable within one year40/41€458-
Trade receivables40€458-
Cash at bank and in hand54/58€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€82k€80k▼
Equity10/15€-95k€-98k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-113k€-117k▼
Amounts payable17/49€177k€178k▲
Amounts payable after more than one year17€150k€150k=
Financial debts170/4€150k€150k=
Amounts payable within one year42/48€27k€28k▲
Trade debts44€816€2k▲
Suppliers440/4€816€2k▲
Taxes, remuneration and social security45€605€814▲
Taxes450/3€605€814▲
Other amounts payable47/48€25k€25k▼
Income statement
Code20212022
Turnover70€20k-
Non-recurring operating income76A€16k-
Goods, raw materials, services and sundry goods60/61€41k€29k▼
Other operating charges640/8€18k€2k▼
Gross operating margin9900€-5k€-2k▲
Operating profit (loss)9901€-24k€-4k▲
Financial income75/76B€31k€305▼
Recurring financial income75€31k€305▼
Financial charges65/66B€641€42▼
Recurring financial charges65€641€42▼
Profit (loss) for the period before taxes9903€7k€-4k▼
Income taxes67/77€114-
Profit (loss) for the period9904€7k€-4k▼
Profit (loss) for the period to be appropriated9905€7k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-113k€-117k▼
Profit (loss) brought forward from the previous period14P€-120k€-113k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
02-07
Bankruptcy
Opening
Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · UNIVERSAL BV ONDERWIJS- STRAAT 47, 2060 ANTWERPEN 6 · event 26-06-2025
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after 3 loss-making years.
27-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 58 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 2.50
Current ratio from 0.98 to 2.50; short-term debt falls from €95k to €38k.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 56 days late
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 52 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
2015
23-10
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 84 days late
27-01
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema · 180 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2024
EL GRAFEL Houssein
CurrentDirector · since 12-03-2024
12-03-2024
EL GRAFEL Houssein: Appointed as Director
12-03-2024
DIBRANI Agron: Resigned as Manager
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2006
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.
Onderwijsstraat 472060 AntwerpenGround area
123 m²
Building footprint
100 m²
Volume, LiDAR
923 m³
Parcel 11805E0414/00L014, Flanders · tallest building 13.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
UNIVERSAL
since 20062.152.523.634
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11805E0414/00L014 | Flanders | 123 m² | 1 · 100 m² | 13.6 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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | STéPHANE VAN MOORLEGHEM MECHELSE-
STEENWEG 271/8.1, 2018 ANTWERPEN 1 |
26-06-2025 → present |
Similar companies · same sector, comparable size
YUKAN
BE 0781.797.828
Schoten · Eq €5k
TECHNIPARTS JFF
BE 1015.269.997
Mouscron · Eq €5k
Rennsport Nostalgia
BE 0779.530.897
Diest · Eq €5k
SEERON
BE 0802.289.473
Evere · Eq €5k
YIZHENG AUTOPARTS
BE 0768.695.306
Zaventem · Eq €5k
Of 2,429 companies in sector 47820 we hold annual accounts for 764. 242 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2006
Fiscal year end31-12
Activities, NACEBEL
47820Retail sale of motor vehicle parts and accessories
50302
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.