Debts
€36,271 93% of the balance sheet
Suppliers 6%Taxes and wages 5%Other 89%
Universal786
Lifetime
1 annual account with figurespeak €73,118 (2025)
€73,118
peak €731 (2025)
€731
peak €2,731 (2025)
€2,731
€36,271
Board1 name since 2024
1 directorMUHAMMAD Tariq
Documentsfilings and deeds
27-07-20264 days before the deadline
2025micro format
2 establishments registeredFirst year with figures
Key points
from the 2025 annual accountsStarting capital
€2,000 100 shares
Checked score
47
Fair
Financially stronger than 19% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
4.0% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2025: 2.2%lowest value
01-2026: 2.2%● unchanged vs 12-2025
02-2026: 2.3%▲ +0.1 percentage points vs 01-2026
03-2026: 2.8%▲ +0.5 percentage points vs 02-2026
04-2026: 2.8%● unchanged vs 03-2026
05-2026: 3.1%▲ +0.3 percentage points vs 04-2026
06-2026: 3.4%▲ +0.3 percentage points vs 05-2026
07-2026: 3.4%● unchanged vs 06-2026
08-2026: 3.7%▲ +0.3 percentage points vs 07-2026
09-2026: 3.7%● unchanged vs 08-2026
10-2026: 4.0%▲ +0.3 percentage points vs 09-2026
11-2026: 4.0%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Founded in 2024
Liquidity: current ratio 0.97, cash €163
Size: turnover €73,118, total assets €39,002
2 establishment units
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 47, micro). It does better than 24% of them on solvency, 2% on liquidity and 32% on profitability.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 2,135 companies had the same profile as Universal786 has now. Each dot stands for 6 companies, two years later.
92.1%
were still trading
2.3%
stopped another way
5.2%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Universal786 itself: 4.0% within 12 months.
Test of the method
The method was tested on the 497,447 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 2,135 companies, not a prediction for Universal786. 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.
Credit verdict
No publishable credit limit, so credit only on tighter terms
Liquidity is insufficient, with a current ratio of 0.97, below 1. Short-term debt is 93% and cash 0.4% of total assets. 93% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises riskneutral
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 27-07-2026, 4 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
4 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
New establishment in Schaerbeek
Prinses Elisabethlaan 37
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1016015315
First establishment
Lambermontlaan 47, Brussels
Incorporation
Founding capital of €2,000, 100 shares · Founder: MUHAMMAD Tariq · Appointment: MUHAMMAD Tariq (director) · published on 12-11-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Universal786 Brussels | €73,118 | 1.5% | 7.0% | - |
| ZAIN NF Jette | - | - | 51.2% | - |
| FATEH 12 Londerzeel | €413,903 | 1.3% | 16.7% | - |
| Koffiets Company Ghent | - | - | 9.0% | - |
| CUMILLA Schaerbeek | - | - | 15.2% | - |
| ZAKIA GROUP Anderlecht | - | - | 20.5% | - |
| ABRAHAM HW Woluwe-Saint-Pierre | €94,369 | 7.2% | 53.8% | - |
Grey: the largest companies of the sector (retail trade (NACE 47)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as Universal786: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €26,100 and €52,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 07-11-2024Normal situation
- Activity
- Non-specialised retail sale with food, beverages or tobacco predominatingNACE 47110
- Establishment units
- 2.368.067.2351030 Brussels, since 08-01-2025
- 2.375.990.7491030 Schaerbeek, since 01-09-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 12-05-2025
Annual accounts 2025
- €39,002
- ≈ 0.1 FTEestimated
- Filing
- Filed on 27-07-2026, 4 days before the end of the filing period
Insights on Universal786
The computed 12-month bankruptcy probability of Universal786 is 4.0% (elevated). The 2025 annual accounts show equity of €2,731 and a net result of €731.
Its solvency ranks better than 27% of 22,917 sector peers (NACE 47, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Universal786
- What is the company number of Universal786?
- The company number of Universal786 is 1016.015.315. The VAT number is the same number with BE in front: BE 1016.015.315.
- Where is Universal786 based?
- The registered office is at Lambermontlaan 47, 1030 Brussels.Company details
- What does Universal786 do?
- According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
- What is the legal form of Universal786?
- Universal786 is a private limited company (BV).
- When was Universal786 founded?
- Universal786 was founded on 07-11-2024.
- Is Universal786 still active?
- Yes, Universal786 is an active enterprise in the KBO register.
- What is the turnover of Universal786?
- The turnover of Universal786 was €73,118 in financial year 2025, according to the filed annual accounts.Financials
- Is Universal786 profitable?
- In financial year 2025, Universal786 made a profit of €731.
- Where can I find the annual accounts of Universal786?
- Universal786 filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
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