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UNIVERSEM

Active
Private limited companyfounded 200719 yrs activeAvenue des Dessus de Lives(LO) 2, 5101 Namur, BelgiumKBO/BCE: BE 0891.053.282
Summary

UNIVERSEM has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €879,403 and a net result of -€88,224. Equity is growing by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 52% of 19955 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
UNIVERSEMActiveChecked score 92/100
Risk analysis ReportCompare

Overview

Activity
Computer consultancy and computer facilities management
NACE 62200IT consultancy NACE 62020
2 sites
Size
€1.4mtotal assets 2025
Staff
12.1 FTE
Equity
€879,403
Loss
-€88,224
Financial health
92 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Holdings
1
Accounts filed 31 d late0 of 5 deeds read
Why 92- Loss of €88,224 (FY 2025)- Latest accounts 31 days late; 1 of the last 3 late+ Size: total assets €1.4m+ Liquidity: current ratio 3.42, cash €439,327Show the evidence

Checked score

Score 2025
92 / 100
Excellent
Probability in this band: under 0.55%
Better than 40% of its sector peers (NACE 62, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 87+3
equity 61.8% of total assets
Liquidity 77-5
short-term debt 28.7% · cash 30.9%
Profitability 11-53
return on assets -6.2%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,559 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%▼ -1.3% vs 12-2024 02-2025: 0.1%▲ +4.1% vs 01-2025 03-2025: 0.1%▲ +3.9% vs 02-2025 04-2025: 0.1%▲ +6.3% vs 03-2025 05-2025: 0.1%▲ +10.6% vs 04-2025 06-2025: 0.1%▲ +21.3% vs 05-2025 07-2025: 0.2%▲ +40.4% vs 06-2025highest value 08-2025: 0.1%▼ -66.9% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%● 0.0% vs 12-2025 02-2026: 0.1%▲ +5.7% vs 01-2026 03-2026: 0.1%▲ +3.6% vs 02-2026 04-2026: 0.1%▲ +6.9% vs 03-2026 05-2026: 0.1%▲ +9.7% vs 04-2026 06-2026: 0.1%▲ +11.8% vs 05-2026 07-2026: < 0.1%▼ -52.6% vs 06-2026lowest value 08-2026: 0.1%▲ +58.3% vs 07-2026 09-2026: 0.1%▲ +52.6% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026
  • Loss of €88,224 (FY 2025) raises the probability
  • Latest accounts 31 days late; 1 of the last 3 late raises the probability
  • Size: total assets €1.4m lowers the probability for this profile
  • Liquidity: current ratio 3.42, cash €439,327 lowers the probability
Credit up to €80,000 at 30 days acceptable
Liquidity ample (current ratio 3.42 against 3.43 in 2024; short-term debt: 28.7% and cash: 30.9% of total assets), and 38.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 62, micro). Better than this share of them on solvency 54%, liquidity 60%, profitability 13%, growth against the median 31%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Loss of €88,224 (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Latest accounts 31 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Size: total assets €1.4m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 3.42, cash €439,327
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
31 d late
2024
1 d early
2023
51 d early
2022
on the day
2021
31 d early
2020
1 d early
2019
50 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 15 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.

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. Usually files around 30 July (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Weakest financial yearnet -€88,224
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Caution: From profit to loss in 2025after €10,830 in 2024 -€88,224 View
  • Caution: Among the weakest 5% on net resultsector median €28,553 · 19,963 companies -€88,224 View
  • Total assets 20256 fiscal years filed €1.4m View

By topic

Financials

Fiscal year
2025
Total assets
€1.4m
Loss
-€88,224
Solvency
61.8%
Total assets▼ 14.0%
Net result
20182025
Go to Financials

Timeline

Events
11
Since
2017
Next accounts
by 31-07-2027
  1. 31-08-2026Annual accounts filed
  2. 31-12-2025Weakest financial year
  3. 30-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Computer consultancy and computer facilities managementNACE 62200
Founded
25-07-2007
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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