UNIVERSAL TRAVEL
ActiveUNIVERSAL TRAVEL has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €354k and a net result of €47k. Equity is growing by ~14.9% per year across the filed fiscal years. Its solvency ranks better than 64% of 142 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▼-10
Solvency64▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 1.62 against 1.51 in 2024; short-term debt: 61.5% and cash: 54.7% of total assets), but 61.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 79
Relative position
BE, all sectors
reference
Sector 79
higher
← 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
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
38.5%
Return on assets
5.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
20 d early
2023
7 d early
2022
25 d early
2021
24 d early
2020
11 d early
2019
9 d early
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€47k▼ 40.0%
2024 · €79k
2018: €26k
2019: €11k
2020: €-219k
2021: €90k
2022: €20k
2023: €95k
2024: €79k
2018 → 2025
Working capital
€350k▲ 15.7%
2024 · €302k
2018: €214k
2019: €229k
2020: €42k
2021: €258k
2022: €156k
2023: €253k
2024: €302k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€142k-€162k▲ 14.4%€257k▲ 58.7%€306k▲ 19.1%€354k▲ 15.5%
Operating result€101k-€37k▼ 63.2%€118k▲ 218%€104k▼ 11.8%€79k▼ 23.8%
Net result€90k-€20k▼ 77.3%€95k▲ 367%€79k▼ 16.9%€47k▼ 40.0%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €918k
Fixed assets
€4k=
Current assets
€914k▲ 2.4%
Equity and liabilities €918k
Equity
€354k▲ 15.5%
Debt
€565k▼ 4.3%
The debt ratio falls from 65.8% to 61.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
38.5%▲
2024 · 34.2%
Current ratio
1.62▲
2024 · 1.51
Quick ratio
1.62▲
2024 · 1.51
Debt / equity
1.60▼
2024 · 1.93
ROE
13.4%▼
2024 · 25.8%
ROA
5.2%▼
2024 · 8.8%
Debt
€565k▼
2024 · €590k
Debt ≤ 1 year
€565k▼
2024 · €590k
Staff costs
€184k▲
2024 · €172k
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€896k€918k▲
Fixed assets21/28€4k€4k=
Financial fixed assets28€4k€4k=
Current assets29/58€892k€914k▲
Amounts receivable within one year40/41€395k€406k▲
Trade receivables40€376k€386k▲
Other amounts receivable41€19k€20k▲
Cash at bank and in hand54/58€487k€502k▲
Deferred charges and accrued income490/1€11k€6k▼
Equity and liabilities
Total equity and liabilities10/49€896k€918k▲
Equity10/15€306k€354k▲
Contributions10/11€75k€75k=
Capital10€75k€75k=
Issued capital100€75k€75k=
Reserves13€231k€279k▲
Non-distributable reserves130/1€8k€8k=
Legal reserve130€8k€8k=
Distributable reserves133€224k€271k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€590k€565k▼
Amounts payable within one year42/48€590k€565k▼
Financial debts43€262k€250k▼
Credit institutions430/8€262k€250k▼
Trade debts44€208k€203k▼
Suppliers440/4€208k€203k▼
Taxes, remuneration and social security45€31k€48k▲
Taxes450/3€6k€8k▲
Remuneration and social security454/9€25k€39k▲
Other amounts payable47/48€90k€64k▼
Income statement
Code20242025
Remuneration, social security and pensions62€172k€184k▲
Other operating charges640/8€107€487▲
Gross operating margin9900€276k€264k▼
Operating profit (loss)9901€104k€79k▼
Financial income75/76B€4k€1k▼
Recurring financial income75€4k€1k▼
Financial charges65/66B€29k€33k▲
Recurring financial charges65€29k€33k▲
Profit (loss) for the period before taxes9903€79k€47k▼
Profit (loss) for the period9904€79k€47k▼
Profit (loss) for the period to be appropriated9905€79k€47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€79k€47k▼
Transfer to equity691/2€49k€47k▼
To other reserves6921€49k€47k▼
Profit to be distributed694/7€30k€0▼
Return on contributions (dividend)694€30k€0▼
Social balance
Average headcount (FTE)90873.03.1▲
The notes to these accounts (8 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €95k ▲367%
Operating result €118k, net result €95k, both a record.
31-12
Financial
Equity above €200kEq €257k ▲58.7%
3 profitable years in a row build equity to €257k.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €150kEq €162k ▲14.4%
2 profitable years in a row build equity to €162k.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €90k
Net result €90k after one loss-making year.
31-12
Financial
Equity above €100kEq €142k ▲172%
Equity rises from €52k to €142k.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-219k ▼2166%
Net result drops to €-219k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
07-07
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
6 acts for this company are 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, Hoeilaart · 1 establishment unit since 2005
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.
Gemeenteplein 111560 HoeilaartGround area
327 m²
Building footprint
108 m²
Volume, LiDAR
915 m³
Parcel 23033B0823/00P000, Flanders · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Gemeenteplein 11, 1560 Hoeilaart
since 20052.151.353.991
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23033B0823/00P000 | Flanders | 327 m² | 1 · 108 m² | 12.2 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.
Public money · subsidies and aid
Flemish government
2022 · 2 entries · 73,825 EUR awarded · 73,825 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 2 | 73,825 EUR | 73,825 EUR |
Schemes
Globalisatiemechanisme 2 (stopgezet)
Vlaams beschermingsmechanisme 12 (stopgezet)
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Of 1,438 companies in sector 79110 we hold annual accounts for 880. 689 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded06-12-2005
Fiscal year end31-12
Activities, NACEBEL
79110Travel agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0476/56.71.05