Universal786
ActiveThe computed 12-month bankruptcy probability of Universal786 is 3.1% (moderate). The 2025 annual accounts show equity of €3k and a net result of €731. Its solvency ranks better than 27% of 18281 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
33
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability42
Solvency32
Growth-
Track record67
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.97; short-term debt: 93% and cash: 0.4% of total assets), and 93% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Turnover
€73k
EBIT margin
1.5%
Net result
€731
Working capital
€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €39k
Fixed assets
€4k
Current assets
€35k
Equity and liabilities €39k
Equity
€3k
Debt
€36k
Debt finances 93.0% of the balance-sheet total.
Key figures and ratios
Solvency
7.0%
Current ratio
0.97
Quick ratio
0.44
Debt / equity
13.28
ROE
26.8%
ROA
1.9%
Debt
€36k
Debt ≤ 1 year
€36k
Income taxes
€309
Staff costs
€4k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€39k
Fixed assets21/28€4k
Financial fixed assets28€4k
Current assets29/58€35k
Stocks and contracts in progress3€19k
Stocks30/36€19k
Amounts receivable within one year40/41€16k
Trade receivables40€16k
Other amounts receivable41€223
Cash at bank and in hand54/58€163
Equity and liabilities
Total equity and liabilities10/49€39k
Equity10/15€3k
Contributions10/11€2k
Profit (loss) carried forward14€731
Amounts payable17/49€36k
Amounts payable within one year42/48€36k
Trade debts44€2k
Suppliers440/4€2k
Advances received on contracts in progress46€14k
Taxes, remuneration and social security45€2k
Taxes450/3€759
Remuneration and social security454/9€1k
Other amounts payable47/48€18k
Income statement
Code2025
Turnover70€73k
Goods, raw materials, services and sundry goods60/61€68k
Remuneration, social security and pensions62€4k
Other operating charges640/8€450
Gross operating margin9900€6k
Operating profit (loss)9901€1k
Financial charges65/66B€86
Recurring financial charges65€86
Profit (loss) for the period before taxes9903€1k
Income taxes67/77€309
Profit (loss) for the period9904€731
Profit (loss) for the period to be appropriated9905€731
Appropriation of the result
Profit (loss) to be appropriated9906€731
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Brussel · 2 establishment units since 2025
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.
Lambermontlaan 471030 BrusselGround area
207 m²
Building footprint
186 m²
Volume, LiDAR
2,370 m³
2 parcels, Brussels · tallest building 19.5 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Universal786
since 20252.368.067.235
Universal786
since 20252.375.990.749
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21015E0116/03H002 | Brussels | 122 m² | 1 · 100 m² | 17.4 m · 5 fl. |
| 21015A0494/00Z000 | Brussels | 85 m² | 1 · 86 m² | 19.5 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2 sitesBruxelles2.368.067.235
Schaarbeek2.375.990.749
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 1,805 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-11-2024
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.