Universal Systems Solution
ActiveSummary
The computed 12-month bankruptcy probability of Universal Systems Solution is 1.9% (moderate). The 2025 annual accounts show equity of €26k and a net result of €17k. Equity is growing by ~108.8% per year across the filed fiscal years. Its solvency ranks better than 72% of 2198 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency86▼-9
Growth78=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 2.24 in 2024; short-term debt: 17.4% and cash: 3.1% of total assets), and 39.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
60.5%
Return on assets
38.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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 · 5 filingsDeviation from the deadline
2025
18 d late
2024
21 d early
2023
26 d late
2022
27 d early
2021
24 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€26k▲ 179%
2024 · €9k
2021: €1klowest in 5 years
2022: €10k▲ +766% vs 2021
2023: €3k▼ -68.2% vs 2022
2024: €9k▲ +192% vs 2023
2025: €26k▲ +179% vs 2024highest in 5 years
2021 → 2025
Total assets
€43k▲ 224%
2024 · €13k
2021: €1klowest in 5 years
2022: €21k▲ +1732% vs 2021
2023: €7k▼ -67.4% vs 2022
2024: €13k▲ +91.4% vs 2023
2025: €43k▲ +224% vs 2024highest in 5 years
2021 → 2025
Net result
€17k▲ 172%
2024 · €6k
2021: €-848
2022: €9k▲ +1140% vs 2021
2023: €-7k▼ -177% vs 2022lowest in 5 years
2024: €6k▲ +189% vs 2023
2025: €17k▲ +172% vs 2024highest in 5 years
2021 → 2025
Working capital
€4k▼ 20.7%
2024 · €5k
2022: €2k
2023: €-3k▼ -281% vs 2022lowest in 4 years
2024: €5k▲ +253% vs 2023highest in 4 years
2025: €4k▼ -20.7% vs 2024
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1k-€10k▲ 766%€3k▼ 68.2%€9k▲ 192%€26k▲ 179%
2021: €1klowest in 5 years
2022: €10k▲ +766% vs 2021
2023: €3k▼ -68.2% vs 2022
2024: €9k▲ +192% vs 2023
2025: €26k▲ +179% vs 2024highest in 5 years
Operating result€-841-€11k€-7k€7k€21k▲ 217%
2021: €-841
2022: €11k▲ +1405% vs 2021
2023: €-7k▼ -162% vs 2022lowest in 5 years
2024: €7k▲ +200% vs 2023
2025: €21k▲ +217% vs 2024highest in 5 years
Net result€-848-€9k€-7k€6k€17k▲ 172%
2021: €-848
2022: €9k▲ +1140% vs 2021
2023: €-7k▼ -177% vs 2022lowest in 5 years
2024: €6k▲ +189% vs 2023
2025: €17k▲ +172% vs 2024highest in 5 years
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 217% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43k
Fixed assets
€31k ▲ 608%
Current assets
€11k ▲ 29.0%
Equity and liabilities €43k
Equity
€26k ▲ 179%
Debt
€17k ▲ 331%
Debt's share of the balance-sheet total rises from 29.7% to 39.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€26k▲
2024 · €9k
Cash flow
€21k▲
2024 · €8k
Current ratio
1.52▼
2024 · 2.24
Debt to equity
0.65▲
2024 · 0.42
ROE
64.1%▼
2024 · 65.8%
ROA
38.8%▼
2024 · 46.3%
Interest coverage
70.44▼
2024 · 127.88
Debt ≤ 1 year
€7k▲
2024 · €4k
Debt > 1 year
€9k
Income taxes
€4k▲
2024 · €602
Staff costs
€2k▼
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€13k€43k▲
Fixed assets21/28€4k€31k▲
Tangible fixed assets22/27€4k€31k▲
Furniture and vehicles24€4k€31k▲
Current assets29/58€9k€11k▲
Amounts receivable within one year40/41€5k€10k▲
Trade receivables40€4k€10k▲
Other amounts receivable41€212-
Cash at bank and in hand54/58€4k€1k▼
Deferred charges and accrued income490/1-€265
Equity and liabilities
Total equity and liabilities10/49€13k€43k▲
Equity10/15€9k€26k▲
Contributions10/11€2k€2k=
Capital10€2k€2k=
Issued capital100€2k€2k=
Profit (loss) carried forward14€7k€24k▲
Amounts payable17/49€4k€17k▲
Amounts payable after more than one year17-€9k
Financial debts170/4-€9k
Amounts payable within one year42/48€4k€7k▲
Current portion of amounts payable after more than one year42-€2k
Trade debts44€183€173▼
Suppliers440/4€183€173▼
Taxes, remuneration and social security45€602€2k▲
Taxes450/3€602-
Remuneration and social security454/9-€2k
Other amounts payable47/48€3k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€5k▲
Other operating charges640/8€149€153▲
Gross operating margin9900€11k€28k▲
Operating profit (loss)9901€7k€21k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€68€371▲
Recurring financial charges65€68€371▲
Profit (loss) for the period before taxes9903€7k€21k▲
Income taxes67/77€602€4k▲
Profit (loss) for the period9904€6k€17k▲
Profit (loss) for the period to be appropriated9905€6k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€24k▲
Profit (loss) brought forward from the previous period14P€1k€7k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €13k | €19k | €2k | €2k | ▼ 11.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €1k | €2k | €2k | €5k | ▲ 149% |
| Other operating charges640/8 | - | €174 | €141 | €149 | €153 | ▲ 3.1% |
| Gross operating margin9900 | €-841 | €26k | €15k | €11k | €28k | ▲ 155% |
| Operating profit (loss)9901 | €-841 | €11k | €-7k | €7k | €21k | ▲ 217% |
| Financial income75/76B | - | €5 | €4 | €0 | €0 | ▼ 80.0% |
| Recurring financial income75 | - | €5 | €4 | €0 | €0 | ▼ 80.0% |
| Financial charges65/66B | €8 | €52 | €55 | €68 | €371 | ▲ 448% |
| Recurring financial charges65 | €8 | €52 | €55 | €68 | €371 | ▲ 448% |
| Profit (loss) for the period before taxes9903 | €-848 | €11k | €-7k | €7k | €21k | ▲ 214% |
| Income taxes67/77 | - | €2k | - | €602 | €4k | ▲ 646% |
| Profit (loss) for the period9904 | €-848 | €9k | €-7k | €6k | €17k | ▲ 172% |
| Profit (loss) for the period to be appropriated9905 | €-848 | €9k | €-7k | €6k | €17k | ▲ 172% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1k | €21k | €7k | €13k | €43k | ▲ 224% |
| Fixed assets21/28 | - | €8k | €6k | €4k | €31k | ▲ 608% |
| Tangible fixed assets22/27 | - | €8k | €6k | €4k | €31k | ▲ 608% |
| Furniture and vehicles24 | - | €8k | €6k | €4k | €31k | ▲ 608% |
| Current assets29/58 | €1k | €13k | €548 | €9k | €11k | ▲ 29.0% |
| Amounts receivable within one year40/41 | €105 | €4k | €482 | €5k | €10k | ▲ 107% |
| Trade receivables40 | €105 | €2k | €93 | €4k | €10k | ▲ 117% |
| Other amounts receivable41 | - | €1k | €390 | €212 | - | - |
| Cash at bank and in hand54/58 | €1k | €9k | €65 | €4k | €1k | ▼ 67.6% |
| Deferred charges and accrued income490/1 | - | - | - | - | €265 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1k | €21k | €7k | €13k | €43k | ▲ 224% |
| Equity10/15 | €1k | €10k | €3k | €9k | €26k | ▲ 179% |
| Contributions10/11 | €2k | €2k | €2k | €2k | €2k | = |
| Capital10 | €2k | €2k | €2k | €2k | €2k | = |
| Issued capital100 | €2k | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €-848 | €8k | €1k | €7k | €24k | ▲ 228% |
| Amounts payable17/49 | - | €11k | €4k | €4k | €17k | ▲ 331% |
| Amounts payable after more than one year17 | - | - | - | - | €9k | - |
| Financial debts170/4 | - | - | - | - | €9k | - |
| Amounts payable within one year42/48 | - | €11k | €4k | €4k | €7k | ▲ 90.4% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €2k | - |
| Trade debts44 | - | - | - | €183 | €173 | ▼ 5.7% |
| Suppliers440/4 | - | - | - | €183 | €173 | ▼ 5.7% |
| Taxes, remuneration and social security45 | - | €2k | - | €602 | €2k | ▲ 199% |
| Taxes450/3 | - | €2k | - | €602 | - | - |
| Remuneration and social security454/9 | - | - | - | - | €2k | - |
| Other amounts payable47/48 | - | €9k | €4k | €3k | €3k | ▲ 3.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-848 | €9k | €-7k | €6k | €17k | ▲ 172% |
| + Depreciation and write-downs630 | - | €1k | €2k | €2k | €5k | ▲ 149% |
| Operating cash flow (approximation) | €-848 | €10k | €-5k | €8k | €21k | ▲ 166% |
| Investment in fixed assets (approximation) | - | - | €0 | €0 | €-32k | - |
| Change in cash | - | €8k | €-9k | €4k | €-3k | ▼ 169% |
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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 18 days late
2025
31-12
Financial
Highest result since 2021net €17k ▲172%
Operating result €21k, net result €17k, both a record.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
31-12
Financial
Liquidity times 15current ratio 2.24
Current ratio from 0.15 to 2.24.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Dilbeek · 1 establishment unit since 2021
Ground area
631 m²
Building footprint
106 m²
Volume, LiDAR
538 m³
Parcel 23079B0304/00C000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Universal Systems Solution
since 20212.322.827.029
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23079B0304/00C000 | Flanders | 631 m² | 1 · 106 m² | 7.8 m · 2 fl. |
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.
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Of 29,779 companies in sector 41001 we hold annual accounts for 16,044. 12,143 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
Founded13-09-2021
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Scores and ratios are computed by Checked and are not a credit decision.