UNIVERSAL CONCEPT
ActiveSummary
UNIVERSAL CONCEPT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €549,658 and a net result of €114,070. Equity is growing by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 27% of 8085 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability57▲+1
Solvency47▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity tight (current ratio 1.29 against 1.33 in 2024; short-term debt: 75.9% and cash: 8.4% of total assets), and 78% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
22%
Return on assets
4.6%
Age of the figures
9 mo
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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
24 d late
2024
28 d early
2023
78 d early
2022
31 d late
2021
60 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#7 fastest grower in Manage#7 company by total assets in Manage, Wholesale and retail trade sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€114,070▲ 4.5%
2024 · €109,170
Working capital
€545,287▲ 26.9%
2024 · €429,704
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€48,071▼ 24.1%€67,250▲ 39.9%€215,304▲ 220%€230,648▲ 7.1%€211,931▼ 8.1%
Net result€3,393▼ 71.0%€5,307▲ 56.4%€104,587▲ 1,871%€109,170▲ 4.4%€114,070▲ 4.5%
Equity€216,522▲ 1.6%€221,830▲ 2.5%€326,417▲ 47.1%€435,587▲ 33.4%€549,658▲ 26.2%
Total assets€1.6m▲ 5.8%€1.8m▲ 11.0%€1.8m▲ 2.1%€1.8m▼ 0.6%€2.5m▲ 38.6%
Debt€1.4m▲ 6.5%€1.6m▲ 12.4%€1.5m▼ 4.3%€1.4m▼ 8.1%€1.9m▲ 42.5%
Working capital€767,485▲ 2.4%€754,440▼ 1.7%€845,058▲ 12.0%€429,704▼ 49.2%€545,287▲ 26.9%
Staff (FTE)20.2▲ 6.9%17.6▼ 12.9%18.8▲ 6.8%19.4▲ 3.2%20.5▲ 5.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.5m
Fixed assets
€55,742 ▼ 28.5%
Current assets
€2.4m ▲ 41.6%
Equity and liabilities €2.5m
Equity
€549,658 ▲ 26.2%
Debt
€1.9m ▲ 42.5%
Debt's share of the balance-sheet total rises from 75.8% to 78.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€237,810▼
2024 · €258,956
Cash flow
€139,949▲
2024 · €137,479
Current ratio
1.29▼
2024 · 1.33
Quick ratio
0.70▲
2024 · 0.60
Debt to equity
3.54▲
2024 · 3.14
ROE
20.8%▼
2024 · 25.1%
ROA
4.6%▼
2024 · 6.1%
Interest coverage
3.88▲
2024 · 3.53
Debt ≤ 1 year
€1.9m▲
2024 · €1.3m
Debt > 1 year
€49,567▼
2024 · €70,250
Income taxes
€42,794▼
2024 · €53,652
Staff costs
€1.1m▲
2024 · €1.0m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €29,579 | €101 | €6,769 | ▲ 6,602% |
| Remuneration, social security and pensions62 | €820,150 | €809,037 | €1.0m | €1.0m | €1.1m | ▲ 10.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €50,773 | €41,791 | €38,169 | €28,308 | €25,878 | ▼ 8.6% |
| Other operating charges640/8 | €16,511 | €10,962 | €15,821 | €13,194 | €16,148 | ▲ 22.4% |
| Non-recurring operating charges66A | €2,956 | €6,811 | - | €1,482 | - | - |
| Gross operating margin9900 | €938,461 | €935,852 | €1.3m | €1.3m | €1.4m | ▲ 6.8% |
| Operating profit (loss)9901 | €48,071 | €67,250 | €215,304 | €230,648 | €211,931 | ▼ 8.1% |
| Financial income75/76B | €6,029 | €0 | €4,672 | €5,443 | €6,222 | ▲ 14.3% |
| Recurring financial income75 | €6,029 | €0 | €4,672 | €5,443 | €6,222 | ▲ 14.3% |
| Financial charges65/66B | €38,507 | €45,817 | €63,957 | €73,269 | €61,289 | ▼ 16.4% |
| Recurring financial charges65 | €38,507 | €45,817 | €63,957 | €73,269 | €61,289 | ▼ 16.4% |
| Profit (loss) for the period before taxes9903 | €15,593 | €21,433 | €156,019 | €162,822 | €156,864 | ▼ 3.7% |
| Income taxes67/77 | €12,201 | €16,126 | €51,432 | €53,652 | €42,794 | ▼ 20.2% |
| Profit (loss) for the period9904 | €3,393 | €5,307 | €104,587 | €109,170 | €114,070 | ▲ 4.5% |
| Profit (loss) for the period to be appropriated9905 | €3,393 | €5,307 | €104,587 | €109,170 | €114,070 | ▲ 4.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.6m | €1.8m | €1.8m | €1.8m | €2.5m | ▲ 38.6% |
| Fixed assets21/28 | €95,319 | €78,027 | €73,769 | €77,938 | €55,742 | ▼ 28.5% |
| Intangible fixed assets21 | €17,447 | €4,900 | - | - | - | - |
| Tangible fixed assets22/27 | €75,865 | €71,120 | €72,167 | €76,336 | €54,140 | ▼ 29.1% |
| Plant, machinery and equipment23 | €4,401 | €5,022 | €6,386 | €4,776 | €3,166 | ▼ 33.7% |
| Furniture and vehicles24 | €60,389 | €57,172 | €49,519 | €58,493 | €41,102 | ▼ 29.7% |
| Other tangible fixed assets26 | €11,075 | €8,926 | €16,262 | €13,067 | €9,872 | ▼ 24.5% |
| Financial fixed assets28 | €2,007 | €2,007 | €1,602 | €1,602 | €1,602 | = |
| Current assets29/58 | €1.5m | €1.7m | €1.7m | €1.7m | €2.4m | ▲ 41.6% |
| Stocks and contracts in progress3 | €782,852 | €914,292 | €1.1m | €945,415 | €1.1m | ▲ 18.7% |
| Stocks30/36 | €782,852 | €914,292 | €1.1m | €945,415 | €1.1m | ▲ 18.7% |
| Amounts receivable within one year40/41 | €698,343 | €605,126 | €634,364 | €702,135 | €1.1m | ▲ 56.6% |
| Trade receivables40 | €685,788 | €598,754 | €619,292 | €606,749 | €931,098 | ▲ 53.5% |
| Other amounts receivable41 | €12,555 | €6,373 | €15,072 | €95,387 | €168,106 | ▲ 76.2% |
| Cash at bank and in hand54/58 | €20,428 | €13,761 | €14,003 | €33,787 | €209,343 | ▲ 520% |
| Deferred charges and accrued income490/1 | €3,591 | €165,842 | €18,169 | €43,253 | €11,169 | ▼ 74.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.6m | €1.8m | €1.8m | €1.8m | €2.5m | ▲ 38.6% |
| Equity10/15 | €216,522 | €221,830 | €326,417 | €435,587 | €549,658 | ▲ 26.2% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €17,427 | €17,427 | €17,427 | €17,427 | €17,427 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | €15,567 | €15,567 | €15,567 | €15,567 | €15,567 | = |
| Profit (loss) carried forward14 | €180,495 | €185,802 | €290,390 | €399,560 | €513,630 | ▲ 28.5% |
| Amounts payable17/49 | €1.4m | €1.6m | €1.5m | €1.4m | €1.9m | ▲ 42.5% |
| Amounts payable after more than one year17 | €643,463 | €610,637 | €590,605 | €70,250 | €49,567 | ▼ 29.4% |
| Financial debts170/4 | €643,463 | €610,637 | €590,605 | €70,250 | €49,567 | ▼ 29.4% |
| Amounts payable within one year42/48 | €737,729 | €944,581 | €895,401 | €1.3m | €1.9m | ▲ 46.5% |
| Current portion of amounts payable after more than one year42 | €63,273 | €41,188 | €128,398 | €541,258 | €641,572 | ▲ 18.5% |
| Financial debts43 | €25,610 | €22,853 | €12,715 | €5,767 | - | - |
| Credit institutions430/8 | €24,397 | €22,853 | €12,715 | €5,767 | - | - |
| Other loans439 | €1,212 | - | - | - | - | - |
| Trade debts44 | €430,956 | €694,168 | €529,702 | €527,969 | €999,831 | ▲ 89.4% |
| Suppliers440/4 | €430,956 | €694,168 | €529,702 | €527,969 | €999,831 | ▲ 89.4% |
| Taxes, remuneration and social security45 | €84,890 | €86,918 | €135,133 | €130,440 | €163,452 | ▲ 25.3% |
| Taxes450/3 | €16,828 | €12,811 | €47,934 | €40,305 | €61,213 | ▲ 51.9% |
| Remuneration and social security454/9 | €68,062 | €74,108 | €87,199 | €90,134 | €102,239 | ▲ 13.4% |
| Other amounts payable47/48 | €133,000 | €99,453 | €89,453 | €89,453 | €91,627 | ▲ 2.4% |
| Accrued charges and deferred income492/3 | €2,819 | - | €1,805 | €1,805 | €1,805 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,393 | €5,307 | €104,587 | €109,170 | €114,070 | ▲ 4.5% |
| + Depreciation and write-downs630 | €50,773 | €41,791 | €38,169 | €28,308 | €25,878 | ▼ 8.6% |
| Operating cash flow (approximation) | €54,166 | €47,098 | €142,756 | €137,479 | €139,949 | ▲ 1.8% |
| Investment in fixed assets (approximation) | - | -€24,499 | -€33,911 | -€32,477 | -€3,682 | ▲ 88.7% |
| Change in cash | - | -€6,667 | €242 | €19,784 | €175,556 | ▲ 787% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
05-08
State Gazette act
Appointments: Miguel Gallo Martinez, Francisco Cano Serrano and 2 othersResignations: Nourdine Chaïbaï (director) and Jamâa Bouzkik (director)7 facts ▸
State Gazette act
Appointments: Miguel Gallo Martinez, Francisco Cano Serrano and 2 others
Resignations: Nourdine Chaïbaï (director) and Jamâa Bouzkik (director)7 facts ▸
- General meeting, 01/07/2026
- Director appointment, Miguel Gallo Martinez (director)
- Director appointment, Francisco Cano Serrano (director)
- Director appointment, Nourdine Chaïbaï (director)
- Director appointment, Jamâa Bouzkik (director)
- Director resignation, Nourdine Chaïbaï (director)
- Director resignation, Jamâa Bouzkik (director)
2025
31-12
Financial
Highest result since 2018net €114,070 ▲4.5%
Net result €114,070, the highest in the series.
31-12
Financial
Equity above €500,000Eq €549,658 ▲26.2%
8 profitable years in a row build equity to €549,658.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
14-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 60 days late
2021
31-12
Financial
Weakest financial yearnet €3,393 ▼71%
Net result drops to €3,393, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Equity above €200,000Eq €213,130 ▲12.4%
3 profitable years in a row build equity to €213,130.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
Show earlier events
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 7 acts read
About the unread acts
Of the 7 Belgian State Gazette acts we know for this company, 1 has been read. The other 6 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
under verification, last change in 2026
This board is reconstructed from a single act (26350931). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Francisco Cano Serrano
CurrentDirector · since 01-07-2026
Jamâa Bouzkik
CurrentDirector · since 01-07-2026
Miguel Gallo Martinez
CurrentDirector · since 01-07-2026
Nourdine Chaïbaï
CurrentDirector · since 01-07-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
6 of this company's 7 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Manage · 1 establishment unit since 2008
Ground area
2.5 ha
Parcel 52043F0062/00K000, Wallonia. Linked by address, not a title deed.
1 establishment unit
UNIVERSAL CONCEPT
since 20082.174.024.574
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52043F0062/00K000 | Wallonia | 2.5 ha | - | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
4 people since 2026, 4 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Jamâa Bouzkik |
|
| Nourdine Chaïbaï |
|
| Francisco Cano Serrano |
|
| Miguel Gallo Martinez |
|
Structure & network
Connections & network
4 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Recognitions · licences · registrations
Food safety, FASFC
1 siteManage2.174.024.574
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Of 697 companies in sector 46392 we hold annual accounts for 484. 332 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-10-2008
Fiscal year end31-12
Activities, NACEBEL 2025
46389Wholesale of other food products
46392Non-specialised wholesale
46349Wholesale of beverages, general range
46360Wholesale trade
Contact
Phone
0475527215Manage
Scores and ratios are computed by Checked and are not a credit decision.