UW-SYNDIC
ActiveSummary
UW-SYNDIC has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €469k and a net result of €387k. Equity is growing by ~85.1% per year across the filed fiscal years. Its solvency ranks better than 68% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency80▼-18
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 1.78 against 3.38 in 2024; short-term debt: 45.5% and cash: 61.5% of total assets), and 45.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
54.5%
Return on assets
45%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
61 d late
2023
233 d late
2022
155 d late
2021
32 d early
2020
4 d late
2019
4 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€469k▲ 25.7%
2024 · €373k
2019: €23k
2020: €22k
2021: €22k
2022: €53k
2023: €197k
2024: €373k
2019 → 2025
Total assets
€859k▲ 69.1%
2024 · €508k
2019: €81k
2020: €87k
2021: €168k
2022: €284k
2023: €364k
2024: €508k
2019 → 2025
Net result
€387k▲ 71.2%
2024 · €226k
2019: €325
2020: €-1k
2021: €254
2022: €131k
2023: €244k
2024: €226k
2019 → 2025
Working capital
€303k▼ 5.8%
2024 · €322k
2019: €-24k
2020: €-15k
2021: €-1k
2022: €39k
2023: €183k
2024: €322k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€53k▲ 142%€197k▲ 271%€373k▲ 89.5%€469k▲ 25.7%
Operating result€7k-€153k▲ 1,977%€316k▲ 106%€314k▼ 0.6%€441k▲ 40.7%
Net result€254-€131k▲ 51,562%€244k▲ 85.9%€226k▼ 7.3%€387k▲ 71.2%
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 recovers in 2025; 2025 is 41% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €859k
Fixed assets
€165k ▲ 226%
Current assets
€694k ▲ 51.7%
Equity and liabilities €859k
Equity
€469k ▲ 25.7%
Debt
€391k ▲ 189%
Debt's share of the balance-sheet total rises from 26.6% to 45.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€467k▲
2024 · €323k
Cash flow
€413k▲
2024 · €235k
Current ratio
1.78▼
2024 · 3.38
Debt to equity
0.83▲
2024 · 0.36
ROE
82.6%▲
2024 · 60.6%
ROA
45.0%▲
2024 · 44.5%
Interest coverage
608.29▲
2024 · 322.35
Debt ≤ 1 year
€391k▲
2024 · €135k
Income taxes
€53k▼
2024 · €87k
Staff costs
€523k▲
2024 · €360k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€508k€859k▲
Fixed assets21/28€51k€165k▲
Intangible fixed assets21€3k€70k▲
Tangible fixed assets22/27€41k€89k▲
Furniture and vehicles24€41k€80k▲
Other tangible fixed assets26€468€9k▲
Financial fixed assets28€7k€7k=
Current assets29/58€457k€694k▲
Amounts receivable within one year40/41€24k€159k▲
Trade receivables40€24k€98k▲
Other amounts receivable41€454€62k▲
Cash at bank and in hand54/58€423k€529k▲
Deferred charges and accrued income490/1€10k€6k▼
Equity and liabilities
Total equity and liabilities10/49€508k€859k▲
Equity10/15€373k€469k▲
Contributions10/11€19k€19k=
Reserves13€354k€450k▲
Distributable reserves133€354k€450k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€135k€391k▲
Amounts payable within one year42/48€135k€391k▲
Trade debts44€37k€42k▲
Suppliers440/4€37k€42k▲
Taxes, remuneration and social security45€48k€57k▲
Taxes450/3€12k€0▼
Remuneration and social security454/9€35k€57k▲
Other amounts payable47/48€50k€292k▲
Income statement
Code20242025
Remuneration, social security and pensions62€360k€523k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€26k▲
Other operating charges640/8€5k€3k▼
Gross operating margin9900€687k€994k▲
Operating profit (loss)9901€314k€441k▲
Financial charges65/66B€1k€768▼
Recurring financial charges65€1k€768▼
Profit (loss) for the period before taxes9903€313k€441k▲
Income taxes67/77€87k€53k▼
Profit (loss) for the period9904€226k€387k▲
Profit (loss) for the period to be appropriated9905€226k€387k▲
Appropriation of the result
Profit (loss) to be appropriated9906€226k€387k▲
Transfer to equity691/2€176k€96k▼
To other reserves6921€176k€96k▼
Profit to be distributed694/7€50k€291k▲
Directors or managers695€50k€291k▲
Social balance
Average headcount (FTE)90876.48.2▲
The notes to these accounts (21 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Highest result since 2019net €387k ▲71.2%
Operating result €441k, net result €387k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
21-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 233 days late
2024
31-12
Financial
Equity above €200kEq €373k ▲89.5%
4 profitable years in a row build equity to €373k.
02-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 155 days late
2023
31-12
Financial
Equity above €150kEq €197k ▲271%
3 profitable years in a row build equity to €197k.
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-05
Financial
Back to profitnet €254
Net result €254 after one loss-making year.
04-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
31-05
Financial
Weakest financial yearnet €-1k ▼548%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
2019
27-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2018
11-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
26-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
03-12
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
8 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, Sint-Niklaas · 2 establishment units since 2009
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.
Rode Kruisstraat 559100 Sint-NiklaasGround area
828 m²
Building footprint
338 m²
Volume, LiDAR
2,129 m³
2 parcels, Flanders · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Uw-Syndic
since 20092.183.731.306
Uw Syndic
since 20232.349.609.026
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46447B0369/00A002 | Flanders | 483 m² | 1 · 246 m² | 10.0 m · 3 fl. |
| 41302C0533/00X002 | Flanders | 345 m² | 1 · 92 m² | 6.4 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 2,406 EUR awarded · 906 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,239 EUR | 739 EUR |
| 2023 | 1 | 129 EUR | 129 EUR |
| 2022 | 1 | 38 EUR | 38 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,768 companies in sector 68321 we hold annual accounts for 1,391. 915 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-11-2009
Fiscal year end31-12
Activities, NACEBEL 2025
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.