UVACO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.64M and a net result of €-45k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 67% of 5507 sector peers (fiscal year 2025). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 01-04-2025 was due by 01-11-2025 and was filed on 26-11-2025, 25 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
25 d late
2024
23 d late
2023
26 d late
2022
26 d late
2021
28 d late
2020
25 d late
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 01-04-2026 and is due by 01-11-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
01-04-2026 close18-09-2026 today01-11-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.64M▼ 1.7%
2024 · €2.69M
2019: €2.48M
2020: €2.57M
2021: €2.63M
2022: €2.69M
2023: €2.70M
2024: €2.69M
2019 → 2025
Net result
€-45k▼ 390%
2024 · €-9k
2019: €70k
2020: €88k
2021: €60k
2022: €58k
2023: €11k
2024: €-9k
2019 → 2025
Total assets
€3.76M▼ 0.6%
2024 · €3.78M
2019: €3.80M
2020: €3.82M
2021: €3.72M
2022: €3.69M
2023: €3.72M
2024: €3.78M
2019 → 2025
Solvency
70.3%▼ 0.8pp
2024 · 71.1%
2019: 65.3%
2020: 67.2%
2021: 70.7%
2022: 72.7%
2023: 72.6%
2024: 71.1%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.63M-€2.69M▲ 2.2%€2.70M▲ 0.4%€2.69M▼ 0.3%€2.64M▼ 1.7%
Operating result€125k-€123k▼ 1.5%€62k▼ 49.4%€54k▼ 13.4%€32k▼ 41.1%
Net result€60k-€58k▼ 4.0%€11k▼ 81.4%€-9k€-45k▼ 390%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 41% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.76M
Fixed assets
€3.69M▲ 0.7%
Current assets
€71k▼ 40.8%
Equity and liabilities €3.76M
Equity
€2.64M▼ 1.7%
Debt
€1.11M▲ 2.0%
The debt ratio rises from 28.9% to 29.7%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
70.3%▼
2024 · 71.1%
ROE
-1.7%▼
2024 · -0.3%
ROA
-1.2%▼
2024 · -0.2%
Debt
€1.11M▲
2024 · €1.09M
Debt ≤ 1 year
€932k▲
2024 · €925k
Debt > 1 year
€105k=
2024 · €105k
Income taxes
€647▲
2024 · €338
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€3.78M€3.76M▼
Fixed assets21/28€3.66M€3.69M▲
Tangible fixed assets22/27€374k€399k▲
Land and buildings22€361k€346k▼
Plant, machinery and equipment23-€4k
Furniture and vehicles24€3k€41k▲
Other tangible fixed assets26€9k€9k▼
Financial fixed assets28€3.29M€3.29M=
Current assets29/58€119k€71k▼
Amounts receivable within one year40/41€75k€6k▼
Other amounts receivable41€75k€6k▼
Cash at bank and in hand54/58€34k€56k▲
Deferred charges and accrued income490/1€10k€9k▼
Equity and liabilities
Total equity and liabilities10/49€3.78M€3.76M▼
Equity10/15€2.69M€2.64M▼
Contributions10/11€625k€625k=
Reserves13€1.55M€1.55M=
Non-distributable reserves130/1€63k€63k=
Reserves not available under the articles1311€63k€63k=
Distributable reserves133€1.49M€1.49M=
Profit (loss) carried forward14€508k€463k▼
Amounts payable17/49€1.09M€1.11M▲
Amounts payable after more than one year17€105k€105k=
Financial debts170/4€105k€105k=
Amounts payable within one year42/48€925k€932k▲
Financial debts43€17k-
Credit institutions430/8€17k-
Trade debts44€8k€6k▼
Suppliers440/4€8k€6k▼
Advances received on contracts in progress46€8k€7k▼
Taxes, remuneration and social security45€5k€5k▲
Taxes450/3€5k€5k▲
Other amounts payable47/48€886k€915k▲
Accrued charges and deferred income492/3€64k€77k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€20k▲
Other operating charges640/8€5k€5k▼
Gross operating margin9900€77k€57k▼
Operating profit (loss)9901€54k€32k▼
Financial income75/76B€10€0▼
Recurring financial income75€10€0▼
Financial charges65/66B€63k€77k▲
Recurring financial charges65€63k€77k▲
Profit (loss) for the period before taxes9903€-9k€-45k▼
Income taxes67/77€338€647▲
Profit (loss) for the period9904€-9k€-45k▼
Profit (loss) for the period to be appropriated9905€-9k€-45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€508k€463k▼
Profit (loss) brought forward from the previous period14P€518k€508k▼
The notes to these accounts (8 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
2025
26-11
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
01-04
Financial
Weakest financial yearnet €-45k
Net result drops to €-45k, the lowest in the series.
2024
24-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 23 days late
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2022
27-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 26 days late
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 28 days late
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
01-04
Financial
Highest result since 2019net €88k ▲25.1%
Operating result €172k, net result €88k, both a record.
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
22-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2017
28-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Nazareth-De Pinte · 1 establishment unit since 2004
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.
Heidelaan 99840 Nazareth-De PinteGround area
1,668 m²
Building footprint
281 m²
Volume, LiDAR
1,361 m³
Parcel 44012B0427/00D003, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
UVACO
since 20042.136.853.976
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44012B0427/00D003 | Flanders | 1,668 m² | 1 · 281 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
CARABE
BE 1005.011.258
Chaudfontaine · Eq €2.64M
BTL Invest
BE 0730.618.846
Wielsbeke · Eq €2.64M
DYBAS
BE 0476.443.511
Retie · Eq €2.64M
Jasi
BE 0426.023.901
Asse · Eq €2.64M
HORLIMMO
BE 0465.325.034
Aubange · Eq €2.64M
Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 10,071 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-03-2004
Fiscal year end01-04
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.