Universal België
ActiveThe computed 12-month bankruptcy probability of Universal België is 5.8% (elevated). For Universal België, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €5k and a net result of €-8k. Equity is growing by ~20% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Bankruptcy probability: Elevated
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability0▼-40
Solvency99▲+73
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
5.8%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · 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 2023Solvency, return and age of the figures
Solvency
74.3%
Return on assets
-122.9%
Age of the figures
33 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 3 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline19-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 23-07-2024, 8 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
8 d early
2022
on the day
2021
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Equity
€5k▼ 48.3%
2022 · €10k
2021: €3k
2022: €10k
2021 → 2023
Total assets
€7k▼ 99.2%
2022 · €814k
2021: €426k
2022: €814k
2021 → 2023
Net result
€-8k
2022 · €7k
2021: €-2k
2022: €7k
2021 → 2023
Working capital
€286▼ 99.7%
2022 · €110k
2021: €2k
2022: €110k
2021 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202120222023Trend
Equity€3k-€10k▲ 223%€5k▼ 48.3%
Operating result€-2k-€8k€-8k
Net result€-2k-€7k€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2023: a loss of €8k after €8k in 2022, the lowest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €7k
Fixed assets
€5k▼ 23.7%
Current assets
€2k▼ 99.8%
Equity and liabilities €7k
Equity
€5k▼ 48.3%
Debt
€2k▼ 99.8%
The debt ratio falls from 98.8% to 25.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-7k▼
2022 · €9k
Cash flow
€-7k▼
2022 · €8k
Solvency
74.3%▲
2022 · 1.2%
Current ratio
1.17▲
2022 · 1.16
Quick ratio
1.17▲
2022 · 1.15
Debt / equity
0.35▼
2022 · 83.14
ROE
-165.4%▼
2022 · 69.0%
ROA
-122.9%▼
2022 · 0.8%
Interest coverage
-46.24
Debt
€2k▼
2022 · €805k
Debt ≤ 1 year
€2k▼
2022 · €698k
Debt > 1 year
€5▼
2022 · €107k
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€814k€7k▼
Fixed assets21/28€6k€5k▼
Tangible fixed assets22/27€6k€5k▼
Furniture and vehicles24€6k€5k▼
Current assets29/58€808k€2k▼
Stocks and contracts in progress3€3k-
Stocks30/36€3k-
Amounts receivable within one year40/41€529€85▼
Other amounts receivable41€529€85▼
Cash at bank and in hand54/58€851€2k▲
Deferred charges and accrued income490/1€803k€261▼
Equity and liabilities
Total equity and liabilities10/49€814k€7k▼
Equity10/15€10k€5k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€5k-
Amounts payable17/49€805k€2k▼
Amounts payable after more than one year17€107k€5▼
Other amounts payable178/9€107k€5▼
Amounts payable within one year42/48€698k€2k▼
Trade debts44€366k€2k▼
Suppliers440/4€366k€2k▼
Taxes, remuneration and social security45€2k-
Taxes450/3€2k-
Other amounts payable47/48€330k-
Income statement
Code20222023
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€1k-
Gross operating margin9900€10k€-7k▼
Operating profit (loss)9901€8k€-8k▼
Financial charges65/66B-€144
Recurring financial charges65-€144
Profit (loss) for the period before taxes9903€8k€-8k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€7k€-8k▼
Profit (loss) for the period to be appropriated9905€7k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€-4k▼
Profit (loss) brought forward from the previous period14P€-2k€5k▲
Shareholders' contribution to the loss794-€4k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-8k ▼224%
Net result drops to €-8k, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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
1 establishment unit since 2021
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.
Ground area
17.8 ha
Building footprint
4.5 ha
Parcel 13302D0060/00S000, Flanders. Linked by address, not a title deed.
1 establishment unit
Universal België
since 20212.315.929.141
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13302D0060/00S000 | Flanders | 17.8 ha | 1 · 4.5 ha | - |
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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2021
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.