UNIVIAN
ActiveUNIVIAN has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €142k and a net result of €72k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+50
Solvency100=
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 10.9 against 36.41 in 2024; short-term debt: 8.8% and cash: 73.5% of total assets), and 8.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
91.2%
Return on assets
46.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
14 d late
2024
29 d late
2023
12 d late
2022
26 d early
2021
13 d early
2020
36 d early
2019
25 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€142k▲ 102%
2024 · €70k
2018: €75k
2019: €94k
2020: €121k
2021: €139k
2022: €128k
2023: €126k
2024: €70k
2018 → 2025
Total assets
€156k▲ 117%
2024 · €72k
2018: €197k
2019: €168k
2020: €189k
2021: €183k
2022: €153k
2023: €128k
2024: €72k
2018 → 2025
Net result
€72k
2024 · €-56k
2018: €12k
2019: €19k
2020: €31k
2021: €19k
2022: €10k
2023: €-2k
2024: €-56k
2018 → 2025
Working capital
€137k▲ 158%
2024 · €53k
2018: €39k
2019: €61k
2020: €90k
2021: €110k
2022: €97k
2023: €102k
2024: €53k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€139k-€128k▼ 8.0%€126k▼ 1.7%€70k▼ 44.1%€142k▲ 102%
Operating result€28k-€13k▼ 52.4%€-6k€-22k▼ 275%€-2k▲ 88.7%
Net result€19k-€10k▼ 44.6%€-2k€-56k▼ 2,400%€72k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €22k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €156k
Fixed assets
€6k▼ 67.8%
Current assets
€151k▲ 177%
Equity and liabilities €156k
Equity
€142k▲ 102%
Debt
€14k▲ 823%
The debt ratio rises from 2.1% to 8.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€-960▲
2024 · €-15k
Cash flow
€73k▲
2024 · €-49k
Solvency
91.2%▼
2024 · 97.9%
Current ratio
10.90▼
2024 · 36.41
Quick ratio
10.90▼
2024 · 35.31
Debt / equity
0.10▲
2024 · 0.02
ROE
50.5%▲
2024 · -78.9%
ROA
46.1%▲
2024 · -77.3%
Interest coverage
-0.63▼
2024 · -0.44
Debt
€14k▲
2024 · €1k
Debt ≤ 1 year
€14k▲
2024 · €1k
Income taxes
€14k▲
2024 · €278
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€72k€156k▲
Fixed assets21/28€18k€6k▼
Tangible fixed assets22/27€16k€4k▼
Land and buildings22€2k€2k=
Plant, machinery and equipment23€14k€3k▼
Furniture and vehicles24€226-
Financial fixed assets28€1k€1k=
Current assets29/58€54k€151k▲
Stocks and contracts in progress3€2k-
Stocks30/36€2k-
Amounts receivable within one year40/41€16k€36k▲
Trade receivables40-€35k
Other amounts receivable41€16k€826▼
Cash at bank and in hand54/58€37k€115k▲
Equity and liabilities
Total equity and liabilities10/49€72k€156k▲
Equity10/15€70k€142k▲
Contributions10/11€19k€19k=
Reserves13€108k€124k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€106k€122k▲
Profit (loss) carried forward14€-56k-
Amounts payable17/49€1k€14k▲
Amounts payable within one year42/48€1k€14k▲
Trade debts44€1k-
Suppliers440/4€1k-
Taxes, remuneration and social security45-€14k
Taxes450/3-€14k
Income statement
Code20242025
Remuneration, social security and pensions62€-53-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€1k▼
Other operating charges640/8€1k€946▼
Non-recurring operating charges66A€25€162▲
Gross operating margin9900€-13k€148▲
Operating profit (loss)9901€-22k€-2k▲
Financial income75/76B-€90k
Recurring financial income75-€90k
Financial charges65/66B€34k€2k▼
Recurring financial charges65€34k€2k▼
Profit (loss) for the period before taxes9903€-55k€86k▲
Income taxes67/77€278€14k▲
Profit (loss) for the period9904€-56k€72k▲
Profit (loss) for the period to be appropriated9905€-56k€72k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-56k€16k▲
Profit (loss) brought forward from the previous period14P€-152€-56k▼
Transfer to equity691/2-€16k
To other reserves6921-€16k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
2025
31-12
Financial
Back to profitnet €72k
Net result €72k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €142k ▲102%
Equity rises from €70k to €142k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-56k
Net result drops to €-56k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
31-12
Financial
Liquidity times 12current ratio 60.48
Current ratio from 4.85 to 60.48; short-term debt falls from €25k to €2k.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €121k ▲28.5%
3 profitable years in a row build equity to €121k.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Herve · 1 establishment unit since 1985
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.
Noblehaye 1284653 HerveGround area
1,591 m²
Building footprint
408 m²
Volume, LiDAR
2,108 m³
2 parcels, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Gustave Taillard 43, 4650 Herve
since 19852.027.146.382
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63010B0091/00G000 | Wallonia | 1,395 m² | 1 · 175 m² | 8.9 m · 2 fl. |
| 63035A0034/00D008 | Wallonia | 196 m² | 1 · 234 m² | 7.9 m · 1 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.
Similar companies · same sector, comparable size
VERHEYEN
BE 0442.039.985
Lommel · Eq €142k
Keurslager Derycker
BE 0716.938.678
Oostende · Eq €143k
KEURSLAGER MONSIEUR
BE 0524.859.872
Hamme (Vl.) · Eq €142k
JONCKERS
BE 0451.940.816
Merchtem · Eq €142k
TRAITEUR JURGEN
BE 0673.713.104
Kluisbergen · Eq €143k
Of 3,043 companies in sector 47221 we hold annual accounts for 1,562. 1,337 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-05-1985
Fiscal year end31-12
Activities, NACEBEL
47221Retail sale of meat and meat products, excluding game and poultry
52220
47271Retail trade
47291Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.