UNIVERSAL FRAMEWORKS
ActiveUNIVERSAL FRAMEWORKS has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €209k and a net result of €-5k. Equity is growing by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability16▼-74
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 26.07 against 6.3 in 2024; short-term debt: 3.8% and cash: 93.6% of total assets), and 3.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
22 d early
2023
5 d early
2022
43 d early
2021
7 d early
2020
27 d early
2019
39 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€209k▼ 2.5%
2024 · €214k
2019: €49k
2020: €82k
2021: €117k
2022: €152k
2023: €189k
2024: €214k
2019 → 2025
Total assets
€217k▼ 14.7%
2024 · €254k
2019: €79k
2020: €108k
2021: €144k
2022: €174k
2023: €200k
2024: €254k
2019 → 2025
Net result
€-5k
2024 · €43k
2019: €17k
2020: €38k
2021: €35k
2022: €36k
2023: €36k
2024: €43k
2019 → 2025
Working capital
€207k▼ 3.0%
2024 · €213k
2019: €48k
2020: €80k
2021: €115k
2022: €151k
2023: €187k
2024: €213k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€117k-€152k▲ 30.4%€189k▲ 23.7%€214k▲ 13.4%€209k▼ 2.5%
Operating result€48k-€50k▲ 4.7%€51k▲ 1.5%€60k▲ 17.9%€-5k
Net result€35k-€36k▲ 2.3%€36k▲ 1.9%€43k▲ 18.3%€-5k
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 2025: a loss of €5k after €60k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €217k
Fixed assets
€2k▲ 185%
Current assets
€215k▼ 15.1%
Equity and liabilities €217k
Equity
€209k▼ 2.5%
Debt
€8k▼ 79.5%
The debt ratio falls from 15.8% to 3.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4k▼
2024 · €60k
Cash flow
€-5k▼
2024 · €43k
Solvency
96.2%▲
2024 · 84.2%
Current ratio
26.07▲
2024 · 6.30
Quick ratio
26.07▲
2024 · 6.30
Debt / equity
0.04▼
2024 · 0.19
ROE
-2.5%▼
2024 · 20.0%
ROA
-2.4%▼
2024 · 16.8%
Interest coverage
-13.76▼
2024 · 207.24
Debt
€8k▼
2024 · €40k
Debt ≤ 1 year
€8k▼
2024 · €40k
Income taxes
€140▼
2024 · €17k
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€254k€217k▼
Fixed assets21/28€588€2k▲
Tangible fixed assets22/27€188€1k▲
Plant, machinery and equipment23€188€1k▲
Financial fixed assets28€400€400=
Current assets29/58€254k€215k▼
Amounts receivable within one year40/41€19k€10k▼
Trade receivables40€18k€19▼
Other amounts receivable41€384€10k▲
Cash at bank and in hand54/58€232k€203k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€254k€217k▼
Equity10/15€214k€209k▼
Contributions10/11€12k€12k=
Reserves13€201k€201k=
Distributable reserves133€201k€201k=
Profit (loss) carried forward14€136€-5k▼
Amounts payable17/49€40k€8k▼
Amounts payable within one year42/48€40k€8k▼
Financial debts43-€44
Other loans439-€44
Trade debts44€6k€4k▼
Suppliers440/4€6k€4k▼
Taxes, remuneration and social security45€15k€3k▼
Taxes450/3€8k€802▼
Remuneration and social security454/9€7k€2k▼
Other amounts payable47/48€19k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€561€496▼
Other operating charges640/8€508€573▲
Gross operating margin9900€61k€-4k▼
Operating profit (loss)9901€60k€-5k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€292€313▲
Recurring financial charges65€292€313▲
Profit (loss) for the period before taxes9903€60k€-5k▼
Income taxes67/77€17k€140▼
Profit (loss) for the period9904€43k€-5k▼
Profit (loss) for the period to be appropriated9905€43k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€-5k▼
Profit (loss) brought forward from the previous period14P€136€136=
Transfer from equity791/2€17k€0▼
Transfer to equity691/2€43k€0▼
To other reserves6921€43k€0▼
Profit to be distributed694/7€17k€0▼
Return on contributions (dividend)694€17k€0▼
The notes to these accounts (7 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
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-5k ▼112%
Net result drops to €-5k, the lowest in the series.
30-06
Financial
Liquidity quadruplescurrent ratio 26.07
Current ratio from 6.30 to 26.07; short-term debt falls from €40k to €8k.
09-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €43k ▲18.3%
Operating result €60k, net result €43k, both a record.
30-06
Financial
Equity above €200kEq €214k ▲13.4%
6 profitable years in a row build equity to €214k.
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Liquidity doublescurrent ratio 17.50
Current ratio from 8.03 to 17.50; short-term debt falls from €21k to €11k.
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Equity above €150kEq €152k ▲30.4%
4 profitable years in a row build equity to €152k.
24-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €100kEq €117k ▲42.3%
3 profitable years in a row build equity to €117k.
04-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
23-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
11-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
13-12
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
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
Registered office, Mechelen · 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.
Oude Sint-Gommarusstraat 392800 MechelenGround area
1,709 m²
Building footprint
696 m²
Volume, LiDAR
4,933 m³
Parcel 12402B0193/00E003, Flanders · tallest building 12.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
UNIVERSAL FRAMEWORKS BVBA
since 20072.163.406.638
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12402B0193/00E003 | Flanders | 1,709 m² | 1 · 696 m² | 12.6 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.
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FB CONSULT
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IMBY
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ASPHALIA CONSULTING
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Of 29,992 companies in sector 62200 we hold annual accounts for 18,386. 14,581 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-06-2007
Fiscal year end30-06
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
58290Other software publishing
62900Other information technology and computer services
72210
72500
72600
95100Repair and maintenance of computers and communication equipment
95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.