UNIVERSAL WINE
ActiveSummary
UNIVERSAL WINE has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €607,188 and a net result of €179,626. Equity is shrinking by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 42% of 8160 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▲+2
Solvency61▼-10
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40,000 at 30 days acceptable
Liquidity ample (current ratio 1.63 against 2.04 in 2024; short-term debt: 58.1% and cash: 30.7% of total assets), but 63.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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
36.5%
Return on assets
10.8%
Age of the figures
15 mo
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 12-01-2026, 19 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
19 d early
2024
24 d early
2023
23 d early
2022
26 d early
2021
21 d early
2020
23 d early
2019
35 d early
← 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 24 days before 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 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 8 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€607,188▼ 17.9%
2024 · €739,740
Total assets
€1.7m▲ 3.0%
2024 · €1.6m
Net result
€179,626▲ 20.7%
2024 · €148,852
Working capital
€604,770▼ 26.1%
2024 · €818,167
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€116,385▼ 21.8%€166,605▲ 43.1%€203,342▲ 22.1%€220,184▲ 8.3%€266,910▲ 21.2%
Net result€72,479within the sector's middle half▼ 31.4%€101,587within the sector's middle half▲ 40.2%€136,551within the sector's middle half▲ 34.4%€148,852within the sector's middle half▲ 9.0%€179,626above the sector's middle half▲ 20.7%
Equity€899,040within the sector's middle half▼ 13.9%€747,374within the sector's middle half▼ 16.9%€746,344within the sector's middle half▼ 0.1%€739,740within the sector's middle half▼ 0.9%€607,188within the sector's middle half▼ 17.9%
Total assets€1.5mwithin the sector's middle half▼ 2.4%€1.5mwithin the sector's middle half▲ 0.1%€1.6mwithin the sector's middle half▲ 1.1%€1.6mwithin the sector's middle half▲ 3.8%€1.7mwithin the sector's middle half▲ 3.0%
Debt€635,267▲ 20.6%€790,068▲ 24.4%€808,987▲ 2.4%€875,417▲ 8.2%€1.1m▲ 20.8%
Working capital€882,737above the sector's middle half▼ 11.4%€766,478within the sector's middle half▼ 13.2%€789,671within the sector's middle half▲ 3.0%€818,167within the sector's middle half▲ 3.6%€604,770within the sector's middle half▼ 26.1%
Solvency58.5%within the sector's middle half▼ 7.8pp48.6%within the sector's middle half▼ 9.9pp48.0%within the sector's middle half▼ 0.6pp45.8%within the sector's middle half▼ 2.2pp36.5%within the sector's middle half▼ 9.3pp
Current ratio2.77within the sector's middle half▼ 0.972.14within the sector's middle half▼ 0.632.11within the sector's middle half▼ 0.032.04within the sector's middle half▼ 0.071.63within the sector's middle half▼ 0.42
Return on assets (ROA)4.7%within the sector's middle half▼ 2.0pp6.6%within the sector's middle half▲ 1.9pp8.8%within the sector's middle half▲ 2.2pp9.2%within the sector's middle half▲ 0.4pp10.8%above the sector's middle half▲ 1.6pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.7m
Fixed assets
€92,343 ▲ 715%
Current assets
€1.6m ▼ 2.0%
Equity and liabilities €1.7m
Equity
€607,188 ▼ 17.9%
Debt
€1.1m ▲ 20.8%
Debt's share of the balance-sheet total rises from 54.2% to 63.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€281,955▲
2024 · €248,537
Cash flow
€194,672▲
2024 · €177,205
Quick ratio
0.70▼
2024 · 0.89
Debt to equity
1.74▲
2024 · 1.18
ROE
29.6%▲
2024 · 20.1%
Interest coverage
35.54▲
2024 · 30.25
Debt ≤ 1 year
€967,301▲
2024 · €785,666
Debt > 1 year
€88,263=
2024 · €88,263
Income taxes
€83,363▲
2024 · €67,194
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,129 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 20,129 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €4,840 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €61,237 | €55,925 | €48,218 | €28,353 | €15,046 | ▼ 46.9% |
| Other operating charges640/8 | - | €4,637 | €7,194 | €4,530 | €5,699 | ▲ 25.8% |
| Non-recurring operating charges66A | - | - | - | €24,249 | €1,589 | ▼ 93.4% |
| Gross operating margin9900 | €182,919 | €227,167 | €258,754 | €277,316 | €289,243 | ▲ 4.3% |
| Operating profit (loss)9901 | €116,385 | €166,605 | €203,342 | €220,184 | €266,910 | ▲ 21.2% |
| Financial income75/76B | - | €84 | €722 | €3,179 | €4,013 | ▲ 26.2% |
| Recurring financial income75 | €190 | €84 | €722 | €3,179 | €4,013 | ▲ 26.2% |
| Financial charges65/66B | - | €9,552 | €7,628 | €8,217 | €7,934 | ▼ 3.4% |
| Recurring financial charges65 | €8,087 | €9,552 | €7,628 | €8,217 | €7,934 | ▼ 3.4% |
| Profit (loss) for the period before taxes9903 | €108,488 | €157,136 | €196,436 | €215,146 | €262,989 | ▲ 22.2% |
| Transfer from deferred taxes780 | - | €900 | €900 | €900 | - | - |
| Income taxes67/77 | €36,909 | €56,450 | €60,785 | €67,194 | €83,363 | ▲ 24.1% |
| Profit (loss) for the period9904 | €72,479 | €101,587 | €136,551 | €148,852 | €179,626 | ▲ 20.7% |
| Transfer from tax-exempt reserves789 | - | €40,488 | €2,700 | €2,700 | - | - |
| Profit (loss) for the period to be appropriated9905 | €75,179 | €142,074 | €139,251 | €151,552 | €179,626 | ▲ 18.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.5m | €1.5m | €1.6m | €1.6m | €1.7m | ▲ 3.0% |
| Fixed assets21/28 | €154,953 | €99,028 | €54,436 | €11,324 | €92,343 | ▲ 715% |
| Intangible fixed assets21 | €1,006 | €752 | €498 | €245 | - | - |
| Tangible fixed assets22/27 | €153,947 | €98,276 | €53,937 | €11,079 | €92,343 | ▲ 734% |
| Land and buildings22 | - | €44,465 | €23,454 | - | - | - |
| Plant, machinery and equipment23 | - | - | €3,615 | €7,550 | €19,233 | ▲ 155% |
| Furniture and vehicles24 | - | €53,812 | €26,867 | - | €70,326 | - |
| Other tangible fixed assets26 | - | - | - | €3,529 | €2,784 | ▼ 21.1% |
| Current assets29/58 | €1.4m | €1.4m | €1.5m | €1.6m | €1.6m | ▼ 2.0% |
| Stocks and contracts in progress3 | €816,720 | €846,401 | €906,133 | €908,163 | €893,018 | ▼ 1.7% |
| Stocks30/36 | - | €846,401 | €906,133 | €908,163 | €893,018 | ▼ 1.7% |
| Amounts receivable within one year40/41 | €96,006 | €165,496 | €197,670 | €238,040 | €135,766 | ▼ 43.0% |
| Trade receivables40 | - | €157,200 | €190,434 | €208,511 | €135,766 | ▼ 34.9% |
| Other amounts receivable41 | - | €8,296 | €7,237 | €29,528 | - | - |
| Cash at bank and in hand54/58 | €442,602 | €395,209 | €364,734 | €421,731 | €510,638 | ▲ 21.1% |
| Deferred charges and accrued income490/1 | - | €33,108 | €33,259 | €35,899 | €32,649 | ▼ 9.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.5m | €1.5m | €1.6m | €1.6m | €1.7m | ▲ 3.0% |
| Equity10/15 | €899,040 | €747,374 | €746,344 | €739,740 | €607,188 | ▼ 17.9% |
| Contributions10/11 | - | €40,000 | €40,000 | €40,000 | €40,000 | = |
| Reserves13 | €859,040 | €707,374 | €706,344 | €699,740 | €567,188 | ▼ 18.9% |
| Tax-exempt reserves132 | - | €5,400 | €2,700 | - | - | - |
| Distributable reserves133 | - | €701,974 | €703,644 | €699,740 | €567,188 | ▼ 18.9% |
| Provisions and deferred taxes16 | €2,700 | €1,800 | €900 | - | - | - |
| Deferred taxes168 | - | €1,800 | €900 | - | - | - |
| Amounts payable17/49 | €635,267 | €790,068 | €808,987 | €875,417 | €1.1m | ▲ 20.8% |
| Amounts payable after more than one year17 | €134,113 | €114,463 | €94,813 | €88,263 | €88,263 | = |
| Financial debts170/4 | - | €114,463 | €94,813 | €88,263 | €88,263 | = |
| Amounts payable within one year42/48 | €499,317 | €673,735 | €712,124 | €785,666 | €967,301 | ▲ 23.1% |
| Current portion of amounts payable after more than one year42 | - | €19,650 | €19,650 | €6,550 | - | - |
| Trade debts44 | €18,777 | €19,273 | €38,734 | €58,995 | €38,276 | ▼ 35.1% |
| Suppliers440/4 | - | €19,273 | €38,734 | €58,995 | €38,276 | ▼ 35.1% |
| Taxes, remuneration and social security45 | - | €57,557 | €26,463 | €27,510 | €52,167 | ▲ 89.6% |
| Taxes450/3 | - | €57,557 | €26,463 | €27,510 | €52,167 | ▲ 89.6% |
| Other amounts payable47/48 | - | €577,255 | €627,278 | €692,612 | €876,858 | ▲ 26.6% |
| Accrued charges and deferred income492/3 | - | €1,869 | €2,050 | €1,487 | €1,662 | ▲ 11.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €72,479 | €101,587 | €136,551 | €148,852 | €179,626 | ▲ 20.7% |
| + Depreciation and write-downs630 | €61,237 | €55,925 | €48,218 | €28,353 | €15,046 | ▼ 46.9% |
| Operating cash flow (approximation) | €133,716 | €157,512 | €184,769 | €177,205 | €194,672 | ▲ 9.9% |
| Investment in fixed assets (approximation) | - | €0 | -€3,626 | €14,759 | -€96,065 | ▼ 751% |
| Change in cash | - | -€47,393 | -€30,475 | €56,997 | €88,908 | ▲ 56.0% |
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
12-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Highest result since 2019net €179,626 ▲20.7%
Operating result €266,910, net result €179,626, both a record.
07-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
08-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
10-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Weakest financial yearnet €72,479 ▼31.4%
Net result drops to €72,479, the lowest in the series; recovery starts the following year.
08-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Equity above €1mEq €1.0m ▲11.3%
2 profitable years in a row build equity to €1.0m.
2019
27-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
21-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
23-12
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.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Beernem · 1 establishment unit since 2003
Ground area
1,452 m²
Building footprint
664 m²
Volume, LiDAR
3,462 m³
Parcel 31003D0058/00R000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
UNIVERSAL WINE
since 20032.134.371.172
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31003D0058/00R000 | Flanders | 1,452 m² | 1 · 664 m² | 9.4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBeernem2.134.371.172
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Of 1,049 companies in sector 46341 we hold annual accounts for 538. 308 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
Founded31-10-2003
Fiscal year end30-06
Activities, NACEBEL 2025
46341Wholesale of wines and spirits
47252Retail sale of beverages, general range
Contact
Website
www.universalwine.be
E-mail
info@universalwine.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0861427801
Also
9925:BE0861427801
Registered
09-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.