UNIVERSAL FRAMEWORKS
ActiveSummary
UNIVERSAL FRAMEWORKS has been active since 2007 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €208,735 and a net result of -€5,248. Equity has been growing by about 22% per year since 2019. Its solvency ranks better than 95% of 21,130 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 11-06-2007 Normal situation
- Activity
- Computer consultancy and computer facilities management NACE 62200and 3 others
- Establishment unit
- 2.163.406.638 2800 Mechelen, since 11-06-2007
- Financial year end
- 30 June
- Peppol
- Reachable since 18-12-2024
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
- Gross margin
- -€3,727
- Loss
- €5,248
- Equity
- €208,735
- ▼ 2.5%
- Total assets
- €216,995
- ▼ 14.7%
Score breakdownlowers riskLiquidity: current ratio 26.07, cash €203,017Equity €208,735 (96.2% of total assets)Size: total assets €216,995Sector: Computer programming, consultancy and related activities (NACE 62)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 85% of them on solvency, 96% on liquidity, 14% on profitability and 37% on growth.
The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 21 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 26-01-2026 PDF all 18 filings
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
The operating result for 2025 is a loss of €4,796, after a profit of €59,930 in 2024. It is the lowest result since 2021.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Computer programming, consultancy and related activities (NACE 62). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Investments
| Item | 30-06-2022 | 30-06-2023 | 30-06-2024 | 30-06-2025 |
|---|---|---|---|---|
| Tangible fixed assets | €952 | - | - | €1,585 |
| Depreciation and write-downs of the year | €1,348 | €760 | €561 | €496 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Comparable companies
These companies have the same main activity as UNIVERSAL FRAMEWORKS: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €207,000 and €245,000, founded between 2006 and 2009.
| Company | Founded | Total assets | Equity | Gross margin | Net result | Financial year |
|---|---|---|---|---|---|---|
| UNIVERSAL FRAMEWORKS Mechelen | 2007 | €216,995 | €208,735 | -€3,727 | -€5,248 | 2025 |
| BLUE BEAN Antwerpen | 2007 | €223,138 | €146,193 | -€51,902 | -€56,884 | 2026 |
| OFFIDES Geel | 2006 | €220,955 | €118,459 | -€14,950 | -€46,906 | 2025 |
| JOSAN CONSULTANCY BVBA Antwerpen | 2009 | €207,286 | €197,613 | -€3,971 | -€8,941 | 2025 |
| ANFO CONSULTING Boechout | 2007 | €244,728 | €232,623 | -€7,755 | €4,059 | 2025 |
| SELECTION cs Evere | 2007 | €223,644 | €59,081 | -€486 | -€16,060 | 2025 |
| ELUCIDE Wemmel | 2008 | €216,777 | €216,495 | -€2,145 | -€1,776 | 2024 |
They were chosen from the 18,969 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 6,908 companies had the same profile as UNIVERSAL FRAMEWORKS has now. Two years later, 1.1% had gone bankrupt and 90.9% were still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of UNIVERSAL FRAMEWORKS itself is lower: < 0.1% within 12 months. It rests on far more data about UNIVERSAL FRAMEWORKS than the profile alone.
Test of the method
The method was tested on the 497,445 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,908 companies, not a prediction for UNIVERSAL FRAMEWORKS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €330 | €776 | €975 | €1,348 | €760 | €561 | €496 | ▼ 11.7% |
| Other operating charges640/8 | - | - | - | €567 | €689 | €508 | €573 | ▲ 12.7% |
| Gross operating margin9900 | €23,172 | €52,287 | €49,440 | €51,977 | €52,264 | €61,000 | -€3,727 | - |
| Operating profit (loss)9901 | €22,294 | €51,329 | €47,832 | €50,063 | €50,815 | €59,930 | -€4,796 | - |
| Financial income75/76B | - | - | - | €15 | €4 | €0 | - | - |
| Recurring financial income75 | - | €1 | - | €15 | €4 | €0 | - | - |
| Financial charges65/66B | - | - | - | €317 | €279 | €292 | €313 | ▲ 7.1% |
| Recurring financial charges65 | €511 | €425 | €288 | €317 | €279 | €292 | €313 | ▲ 7.1% |
| Profit (loss) for the period before taxes9903 | €21,783 | €50,905 | €48,370 | €49,761 | €50,540 | €59,638 | -€5,109 | - |
| Income taxes67/77 | €4,334 | €13,308 | €13,629 | €14,232 | €14,347 | €16,823 | €140 | ▼ 99.2% |
| Profit (loss) for the period9904 | €17,449 | €37,597 | €34,741 | €35,529 | €36,193 | €42,815 | -€5,248 | - |
| Profit (loss) for the period to be appropriated9905 | €17,449 | €37,597 | €34,741 | €35,529 | €36,193 | €42,815 | -€5,248 | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €78,665 | €107,699 | €144,092 | €173,837 | €199,978 | €254,250 | €216,995 | ▼ 14.7% |
| Fixed assets21/28 | €400 | €1,953 | €2,306 | €1,909 | €1,149 | €588 | €1,677 | ▲ 185% |
| Tangible fixed assets22/27 | - | €1,553 | €1,906 | €1,509 | €749 | €188 | €1,277 | ▲ 581% |
| Plant, machinery and equipment23 | - | - | - | €1,509 | €749 | €188 | €1,277 | ▲ 581% |
| Financial fixed assets28 | €400 | €400 | €400 | €400 | €400 | €400 | €400 | = |
| Current assets29/58 | €78,265 | €105,746 | €141,787 | €171,928 | €198,829 | €253,663 | €215,318 | ▼ 15.1% |
| Amounts receivable within one year40/41 | €22,670 | €24,539 | €19,839 | €25,190 | €18,785 | €18,685 | €10,286 | ▼ 45.0% |
| Trade receivables40 | - | - | - | €25,190 | €18,083 | €18,301 | €19 | ▼ 99.9% |
| Other amounts receivable41 | - | - | - | - | €702 | €384 | €10,267 | ▲ 27× |
| Cash at bank and in hand54/58 | €54,167 | €77,596 | €119,676 | €144,475 | €178,018 | €231,930 | €203,017 | ▼ 12.5% |
| Deferred charges and accrued income490/1 | - | - | - | €2,263 | €2,026 | €3,047 | €2,015 | ▼ 33.9% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €78,665 | €107,699 | €144,092 | €173,837 | €199,978 | €254,250 | €216,995 | ▼ 14.7% |
| Equity10/15 | €48,557 | €82,154 | €116,895 | €152,424 | €188,617 | €213,984 | €208,735 | ▼ 2.5% |
| Contributions10/11 | €12,400 | - | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €36,021 | €69,618 | €104,359 | €139,888 | €176,081 | €201,448 | €201,448 | = |
| Non-distributable reserves130/1 | - | - | - | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | - | - | - | - |
| Distributable reserves133 | - | - | - | €138,028 | €176,081 | €201,448 | €201,448 | = |
| Profit (loss) carried forward14 | €136 | €136 | €136 | €136 | €136 | €136 | -€5,112 | - |
| Amounts payable17/49 | €30,108 | €25,545 | €27,198 | €21,413 | €11,361 | €40,267 | €8,260 | ▼ 79.5% |
| Amounts payable within one year42/48 | €29,832 | €25,545 | €27,198 | €21,413 | €11,361 | €40,267 | €8,260 | ▼ 79.5% |
| Financial debts43 | - | - | - | - | - | - | €44 | - |
| Other loans439 | - | - | - | - | - | - | €44 | - |
| Trade debts44 | €250 | €2,025 | €1,947 | €3,540 | €2,762 | €5,968 | €3,590 | ▼ 39.8% |
| Suppliers440/4 | - | - | - | €3,540 | €2,762 | €5,968 | €3,590 | ▼ 39.8% |
| Taxes, remuneration and social security45 | - | - | - | €13,411 | €6,350 | €15,198 | €3,096 | ▼ 79.6% |
| Taxes450/3 | - | - | - | €12,465 | €6,350 | €8,403 | €802 | ▼ 90.5% |
| Remuneration and social security454/9 | - | - | - | €946 | - | €6,796 | €2,294 | ▼ 66.2% |
| Other amounts payable47/48 | - | - | - | €4,462 | €2,248 | €19,101 | €1,531 | ▼ 92.0% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,449 | €37,597 | €34,741 | €35,529 | €36,193 | €42,815 | -€5,248 | - |
| + Depreciation and write-downs630 | €330 | €776 | €975 | €1,348 | €760 | €561 | €496 | ▼ 11.7% |
| Operating cash flow (approximation) | €17,779 | €38,373 | €35,715 | €36,877 | €36,953 | €43,377 | -€4,752 | - |
| Investment in fixed assets (approximation) | - | -€2,329 | -€1,327 | -€952 | €0 | €0 | -€1,585 | - |
| Change in cash | - | €23,430 | €42,080 | €24,798 | €33,544 | €53,912 | -€28,913 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 18 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-06-2025 | micro format | 26-01-2026 | 2026-00014433 | |
| 30-06-2024 | micro format | 09-01-2025 | 2025-00004350 | |
| 30-06-2023 | micro format | 26-01-2024 | 2024-00009078 | |
| 30-06-2022 | micro format | 19-12-2022 | 2022-20540785 | |
| 30-06-2021 | micro format | 24-01-2022 | 2022-01800038 | |
| 30-06-2020 | micro format | 04-01-2021 | 2021-00400582 | |
| 30-06-2019 | micro format | 23-12-2019 | 2019-76900418 | |
| 30-06-2018 | micro format | 11-01-2019 | 2019-01200073 | |
| 30-06-2017 | micro format | 03-01-2018 | 2018-00100569 | |
| 30-06-2016 | abbreviated format | 13-12-2016 | 2016-69900555 |
Board & ownership
Directors
Owners and capital
Capital transactions
- 23-03-2023 Converted to available equity
Articles of association
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Procedure- en expertisekosten voor helft overdrager en helft koper(s),naar evenredigheid aantal bij meerdere kopers, elke overdracht onder…”
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Algemene vergadering mag één of meerdere vereffenaars aanduiden,bevoegdheden omlijnen en vergoeding bepalen, bij ontbinding om welke reden…”
Articles of association, deed of 23-03-2023 (in Dutch)
Network & group
UNIVERSAL FRAMEWORKS shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of UNIVERSAL FRAMEWORKS. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
23-03
Gazette deed
Appointment: DECEUNYNCK Frank (statutory director)Capital · Power of attorney · Amendment of the articles11 points ▸
- Capital
- Director appointment, DECEUNYNCK Frank (statutory director)
- Power of attorney, Katrien Honinckx
- Power of attorney
- General meeting, 16-03-2023
- Amendment of the articles, mentioned 3 times in the deed
- Legal form clause, “behoud, besloten vennootschap” (deed in Dutch)
- Capital conversion, “beschikbaar voor toekomstige uitkeringen” (deed in Dutch)
- Registered office clause, “verwijzing naar adres geschrapt uit statuten,precies adres buiten statuten, ongewijzigd” (deed in Dutch)
- Other provision, “verslag voorwerpvervanging, ontslag voorzitter van voorlezing verslag bestuurder” (deed in Dutch)
- Purpose change
Show earlier events
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 202510 activities
- Onderzoek en ontwikkeling,exploitatie en commercialisatie van hardware en softwareprocédés alsmede de adviesverlening ter zake,dit alles leidende tot de integratie van computersystemenen dienstig voor de strategische doelstellingen van ondernemingen zowel uit de private als de publieke sector;dit alles in de ruimste zin
- Verkoop,verhuur,adviezen aan derden op het gebied van computers,internet,telecommunicatie,multimedia,electronic commerce;dit alles in de ruimste zin
- Het aanleggen en oordeelkundig uitbreiden van haar roerend en onroerend patrimonium,het beleggen of weder beleggen van alle beschikbare middelen,zowel in roerende als onroerende goederen,onder welke vorm ook,onder andere door het participeren door middel van fusie,inschrijving,deelname of verkrijging van financiële instrumenten in alle bestaande of nog op te richten Belgische of buitenlandse vennootschappen,en het beheer van deze roerende en onroerende waarden.Zij mag alle roerende en onroerende goederen verwerven zelfs als deze noch rechtstreeks,noch onrechtstreeks verband houden met de bedrijfsactiviteiten van de vennootschap
- Zij kan alle facetten van koop en verkoop,huur,leasing,bouw,verbouwing,restauratie,onderhoud en afbraak verrichten en alle handelingen die noodzakelijk zijn tot optimaliseren van het onroerend patrimonium in bezit,in huur of in leasing
- Het verlenen van bijstand,advies en leiding aan bedrijven,privépersonen,overheden en andere instellingen,voornamelijk doch niet uitsluitend op het vlak van management,algemeen beheer,marketing,productie en ontwikkeling,processing en het besturen van vennootschappen,dit alles in de meest ruime betekenis
- De vennootschap kan zelf of als tussenpersoon alle hulpmiddelen verschaffen,bestuurdersfuncties waarnemen of laten waarnemen en diensten verlenen die rechtstreeks of onrechtstreeks verband houden met de voorgaande.Deze diensten kunnen worden geleverd krachtens een contractuele of statutaire benoeming en in de hoedanigheid van externe raadgever of orgaan van de cliënt.Ter uitvoering van haar opdrachten en voor het waarnemen van bestuursmandaten kan de vennootschap zich laten vertegenwoordigen door haar zaakvoerder of elke andere derde vertegenwoordiger,die door de vennootschap worden afgevaardigd om op te treden in eigen naam doch voor rekening van de vennootschap
- Deze opsomming is verklarend en niet beperkend en dient verstaan te worden in de ruimste zin.De uitvoering van voormelde bedrijfsactiviteiten kan zowel in België als in het buitenland uitgevoerd worden en dit zowel in eigen naam als in naam en voor rekening van een andere persoon of als tussenpersoon
- De vennootschap mag alle bewerkingen doen van industriële,commerciële of financiële,roerende of onroerende aard,die kunnen bijdragen tot de verwezenlijking,de uitbreiding of de vergemakkelijking van haar voorwerp
- Daartoe kan de vennootschap samenwerken met,deelnemen in,of belangen nemen in andere ondernemingen,rechtstreeks of onrechtstreeks op gelijk welke wijze
- De vennootschap kan zowel tot waarborg van eigen verbintenissen als tot waarborg van verbintenissen van derden borg stellen,onder meer door haar goederen in hypotheek of in pand te geven,inclusief de eigen handelszaak
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
1 establishment unit
Buildings and parcels at the address
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 12402B0193/00E003 | Flanders | 1,709 m² | 1 · 696 m² | 12.6 m · 3 |