UNIVERSIMA
ActiveSummary
UNIVERSIMA has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.8m and a net result of €353,704. Equity is growing by ~5.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability50▲+1
Solvency85▲+11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130,000 at 30 days acceptable
Liquidity short (current ratio 0.69 against 0.41 in 2023; short-term debt: 23.8% and cash: 0.8% of total assets), and 40.4% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← 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 2024Solvency, return and age of the figures
Solvency
59.6%
Return on assets
11.4%
Age of the figures
21 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 18-06-2026, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 d early
2024
51 d early
2023
37 d early
2022
165 d early
2021
40 d early
2020
29 d early
2019
14 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 54 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% 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 18 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, abbreviated schema, 2025 accounts filed, figures not processed yet
In the rankings
#7 company by equity in Oudenaarde, Administrative and support services sector#10 company by total assets in Oudenaarde, Administrative and support services sector
Equity
€1.8m▲ 23.7%
2023 · €1.5m
Total assets
€3.1m▲ 2.4%
2023 · €3.0m
Net result
€353,704▲ 270%
2023 · €95,508
Working capital
-€228,034▲ 58.5%
2023 · -€549,748
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€63,719▲ 5.0%€56,084▼ 12.0%€69,024▲ 23.1%€68,804▼ 0.3%€69,451▲ 0.9%
Net result€31,266within the sector's middle half▲ 14.8%€54,585within the sector's middle half▲ 74.6%€62,467within the sector's middle half▲ 14.4%€95,508within the sector's middle half▲ 52.9%€353,704above the sector's middle half▲ 270%
Equity€1.3mabove the sector's middle half▲ 2.5%€1.3mabove the sector's middle half▲ 4.3%€1.4mabove the sector's middle half▲ 4.7%€1.5mabove the sector's middle half▲ 6.8%€1.8mabove the sector's middle half▲ 23.7%
Total assets€3.1mabove the sector's middle half▼ 2.6%€3.1mabove the sector's middle half▼ 1.3%€3.0mabove the sector's middle half▼ 1.4%€3.0mabove the sector's middle half▲ 0.1%€3.1mabove the sector's middle half▲ 2.4%
Debt€1.8m▼ 5.9%€1.7m▼ 5.2%€1.6m▼ 6.0%€1.5m▼ 5.8%€1.3m▼ 18.3%
Working capital-€651,867below the sector's middle half▼ 17.6%-€631,338below the sector's middle half▲ 3.1%-€602,104below the sector's middle half▲ 4.6%-€549,748below the sector's middle half▲ 8.7%-€228,034below the sector's middle half▲ 58.5%
Solvency41.3%within the sector's middle half▲ 2.1pp43.6%within the sector's middle half▲ 2.3pp46.3%within the sector's middle half▲ 2.7pp49.4%within the sector's middle half▲ 3.1pp59.6%within the sector's middle half▲ 10.2pp
Current ratio0.32below the sector's middle half▼ 0.050.32below the sector's middle half=0.34below the sector's middle half▲ 0.020.41below the sector's middle half▲ 0.060.69below the sector's middle half▲ 0.29
Return on assets (ROA)1.0%within the sector's middle half▲ 0.2pp1.8%within the sector's middle half▲ 0.8pp2.1%within the sector's middle half▲ 0.3pp3.2%within the sector's middle half▲ 1.1pp11.4%within the sector's middle half▲ 8.3pp
above
within
below
the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, 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 recovers in 2024; 2024 is 1% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.1m
Fixed assets
€2.6m ▼ 2.3%
Current assets
€510,861 ▲ 35.9%
Equity and liabilities €3.1m
Equity
€1.8m ▲ 23.7%
Debt
€1.3m ▼ 18.3%
Debt's share of the balance-sheet total falls from 50.6% to 40.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€130,878▲
2023 · €130,230
Cash flow
€415,130▲
2023 · €156,934
Debt to equity
0.68▼
2023 · 1.02
ROE
19.1%▲
2023 · 6.4%
Interest coverage
2.07▼
2023 · 3.18
Debt ≤ 1 year
€738,895▼
2023 · €925,722
Debt > 1 year
€486,344▼
2023 · €576,534
Income taxes
€11,095▼
2023 · €15,577
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,134 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 0.2% 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 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 20,134 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €70,778 | €59,169 | €63,392 | €61,426 | €61,426 | = |
| Other operating charges640/8 | - | €9,257 | €3,811 | €4,584 | €7,951 | ▲ 73.5% |
| Gross operating margin9900 | €140,802 | €124,509 | €136,227 | €134,813 | €138,829 | ▲ 3.0% |
| Operating profit (loss)9901 | €63,719 | €56,084 | €69,024 | €68,804 | €69,451 | ▲ 0.9% |
| Financial income75/76B | - | €69,872 | €70,263 | €83,252 | €358,460 | ▲ 331% |
| Recurring financial income75 | €36,399 | €69,872 | €70,263 | €82,928 | €358,460 | ▲ 332% |
| Non-recurring financial income76B | - | - | - | €323 | - | - |
| Financial charges65/66B | - | €67,021 | €72,805 | €40,971 | €63,112 | ▲ 54.0% |
| Recurring financial charges65 | €58,050 | €67,021 | €72,805 | €40,971 | €63,112 | ▲ 54.0% |
| Profit (loss) for the period before taxes9903 | €42,068 | €58,934 | €66,481 | €111,085 | €364,799 | ▲ 228% |
| Income taxes67/77 | €10,802 | €4,350 | €4,015 | €15,577 | €11,095 | ▼ 28.8% |
| Profit (loss) for the period9904 | €31,266 | €54,585 | €62,467 | €95,508 | €353,704 | ▲ 270% |
| Profit (loss) for the period to be appropriated9905 | €31,266 | €54,585 | €62,467 | €95,508 | €353,704 | ▲ 270% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.1m | €3.1m | €3.0m | €3.0m | €3.1m | ▲ 2.4% |
| Fixed assets21/28 | €2.8m | €2.8m | €2.7m | €2.7m | €2.6m | ▼ 2.3% |
| Tangible fixed assets22/27 | €1.6m | €1.6m | €1.5m | €1.4m | €1.4m | ▼ 4.3% |
| Land and buildings22 | - | €1.5m | €1.4m | €1.4m | €1.3m | ▼ 3.4% |
| Plant, machinery and equipment23 | - | €3,316 | €4,965 | €3,971 | €2,978 | ▼ 25.0% |
| Furniture and vehicles24 | - | €61,696 | €48,581 | €35,465 | €22,350 | ▼ 37.0% |
| Financial fixed assets28 | €1.2m | €1.2m | €1.2m | €1.2m | €1.2m | = |
| Current assets29/58 | €301,028 | €296,004 | €312,940 | €375,974 | €510,861 | ▲ 35.9% |
| Amounts receivable within one year40/41 | €5,973 | €22,297 | €22,767 | €20,073 | €8,604 | ▼ 57.1% |
| Trade receivables40 | - | €5,411 | - | - | - | - |
| Other amounts receivable41 | - | €16,887 | €22,767 | €20,073 | €8,604 | ▼ 57.1% |
| Current investments50/53 | €285,051 | €266,294 | €280,703 | €311,504 | €456,224 | ▲ 46.5% |
| Cash at bank and in hand54/58 | €10,004 | €7,413 | €9,471 | €24,982 | €23,660 | ▼ 5.3% |
| Deferred charges and accrued income490/1 | - | - | - | €19,415 | €22,374 | ▲ 15.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.1m | €3.1m | €3.0m | €3.0m | €3.1m | ▲ 2.4% |
| Equity10/15 | €1.3m | €1.3m | €1.4m | €1.5m | €1.8m | ▲ 23.7% |
| Contributions10/11 | €675,000 | €675,000 | €675,000 | €675,000 | €675,000 | = |
| Capital10 | - | €675,000 | €675,000 | €675,000 | €675,000 | = |
| Issued capital100 | - | €2.0m | €2.0m | €2.0m | €2.0m | = |
| Uncalled capital101 | - | €1.3m | €1.3m | €1.3m | €1.3m | = |
| Reserves13 | €607,524 | €662,109 | €724,575 | €820,083 | €1.2m | ▲ 43.1% |
| Non-distributable reserves130/1 | - | €153,351 | €200,000 | €200,000 | €200,000 | = |
| Legal reserve130 | - | €153,351 | €200,000 | €200,000 | €200,000 | = |
| Distributable reserves133 | - | €508,757 | €524,575 | €620,083 | €973,786 | ▲ 57.0% |
| Amounts payable17/49 | €1.8m | €1.7m | €1.6m | €1.5m | €1.3m | ▼ 18.3% |
| Amounts payable after more than one year17 | €849,172 | €777,684 | €685,778 | €576,534 | €486,344 | ▼ 15.6% |
| Financial debts170/4 | - | €777,684 | €685,778 | €576,534 | €486,344 | ▼ 15.6% |
| Amounts payable within one year42/48 | €952,895 | €927,343 | €915,045 | €925,722 | €738,895 | ▼ 20.2% |
| Current portion of amounts payable after more than one year42 | - | €91,784 | €91,907 | €90,063 | €90,190 | ▲ 0.1% |
| Financial debts43 | - | €801,325 | €784,624 | €790,241 | €593,109 | ▼ 24.9% |
| Other loans439 | - | €801,325 | €784,624 | €790,241 | €593,109 | ▼ 24.9% |
| Trade debts44 | €754 | €130 | €2,439 | €10,707 | €10,534 | ▼ 1.6% |
| Suppliers440/4 | - | €130 | €2,439 | €10,707 | €10,534 | ▼ 1.6% |
| Advances received on contracts in progress46 | - | €2,490 | €3,290 | - | - | - |
| Taxes, remuneration and social security45 | - | €10,948 | €10,761 | €10,072 | €10,804 | ▲ 7.3% |
| Taxes450/3 | - | €10,948 | €10,761 | €10,072 | €10,804 | ▲ 7.3% |
| Other amounts payable47/48 | - | €20,666 | €22,024 | €24,638 | €34,258 | ▲ 39.0% |
| Accrued charges and deferred income492/3 | - | €24,261 | €24,439 | €29,105 | €25,879 | ▼ 11.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €31,266 | €54,585 | €62,467 | €95,508 | €353,704 | ▲ 270% |
| + Depreciation and write-downs630 | €70,778 | €59,169 | €63,392 | €61,426 | €61,426 | = |
| Operating cash flow (approximation) | €102,044 | €113,754 | €125,859 | €156,934 | €415,130 | ▲ 165% |
| Investment in fixed assets (approximation) | - | -€22,977 | -€4,896 | €0 | €0 | - |
| Change in cash | - | -€2,591 | €2,057 | €15,511 | -€1,322 | ▼ 109% |
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
18-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €353,704 ▲270%
Operating result €69,451, net result €353,704, both a record.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
16-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €27,246 ▼15.9%
Net result drops to €27,246, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
04-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
No directors read yet: 0 of 5 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Oudenaarde · 1 establishment unit since 2003
Ground area
913 m²
Building footprint
161 m²
Volume, LiDAR
958 m³
Parcel 45021A1307/00W000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Universima NV
since 20032.133.523.809
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45021A1307/00W000 | Flanders | 913 m² | 1 · 161 m² | 9.2 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.
Structure & network
Owners and holdings
2 holdingsOwners 0
The accounts to 31-12-2024 list no shareholders, and no other source names one.
Holdings 2
-
42.79%
-
38.91%
According to the 2024 annual accounts of UNIVERSIMA and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Subsidies and aid
Flemish government
2025 · 1 entry · 991 EUR awarded · 991 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 991 EUR | 991 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
967600ULZBNCYQYR6I69
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Company details
Identification
Legal formPublic limited company
Founded18-03-2003
Fiscal year end31-12
Activities, NACEBEL 2025
82920Office administrative, office support and other business support activities
68201Renting and operating of own or leased residential real estate, excluding social housing
E-invoicing
Reachable via Peppol
Peppol ID
0208:0479796543
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.