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UZB GROUP

Active
Private limited company·Kappers- en barbiersactiviteiten· 5 yrs active
Keizer Karellaan 143/9 ·1082 Sint-Agatha-Berchem, Belgium
BE 0755.770.649
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Age5 yrs

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of UZB GROUP is 4.9% (elevated). The 2024 annual accounts show negative equity (€-21k) and a net result of €735. Equity is shrinking by ~27.3% per year across the filed fiscal years. Its solvency ranks better than 16% of 1735 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
4.9% Elevated
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate region +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Trust signals

3 signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags

0 events
No administrative flags

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€735
Working capital€12k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 23-08-2025 with the NBB · fiscal year 2024 · micro
€-20k€-10k€0€10kOperating result 2021: €-12k€-12kNet result 2021: €-12k€-12kOperating result 2022: €7k€7kNet result 2022: €7k€7kOperating result 2023: €-17k€-17kNet result 2023: €-18k€-18kOperating result 2024: €1k€1kNet result 2024: €735€7352021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~27.3%/year over 4 fiscal years, indicative, assuming unchanged policy.
€-60k€-40k€-20k€02025: €-27k (€-32k - €-22k)2026: €-31k (€-39k - €-24k)2027: €-36k (€-46k - €-26k)2021: €-11k2022: €-4k2023: €-22k2024: €-21k2021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 96, Personal services · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -66.1% 14.9%
better than 16% of 1735 sector peers
Net result €735 €1k
better than 46% of 1732 sector peers
Equity €-21k €5k
better than 11% of 1739 sector peers
Gross operating margin €2k €16k
better than 26% of 1731 sector peers
Total assets €32k €46k
better than 41% of 1736 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-6k
- far below sector median
Net profit
€735
- +20% vs sector
Cash flow
€-6k
- far below sector median
Total assets
€32k
+184.5% -24% vs sector
Equity
€-21k
+3.4% far below sector median
Working capital
€12k
- far above sector median
Debt
€53k
+60.4% +70% vs sector
Debt ≤ 1y
€3k
+0.1% -89% vs sector
Debt > 1y
€50k
+66.7% far above sector median
Current ratio
4.73
+567.9% far above sector median
Quick ratio
4.73
+567.9% far above sector median
Solvency
-66.1%
+66.0% far below sector median
Debt / equity
-2.51
-66.0% far below sector median
ROE
-3.5%
- far below sector median
ROA
2.3%
- +57% vs sector
Interest coverage
-16.28
- far below sector median
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA-
Net profit€735
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€32k
Equity€-21k
Debt€53k
of which ≤ 1y€3k
of which > 1y€50k
Working capital€12k
Employees (FTE)-
Ratios (computed)
2024
Current ratio4.73
Quick ratio4.73
Working capital ratio36.5%
Solvency-66.1%
Debt / equity-2.51
Long-term debt ratio-2.36
Interest coverage-
Gross margin-
Net margin-
ROA2.3%
ROE-3.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€32k
Fixed assets 21/28€17k
Tangible fixed assets 22/27€8k
Financial fixed assets 28€9k
Current assets 29/58€15k
Amounts receivable within one year 40/41€4k
Cash & bank 54/58€4k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€32k
Equity 10/15€-21k
Contributions / capital 10/11€2k
Accumulated profits (losses) 14€-23k
Amounts payable 17/49€53k
Amounts payable after one year 17€50k
Amounts payable within one year 42/48€3k
Trade debts payable within one year 44€3k
Income statement
Gross operating margin 9900€2k
Operating result 9901€1k
Financial income 75€0
Financial charges 65€353
Result before taxes 9903€735
Net result for the period 9904€735
Result to be appropriated 9905€735
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
38 / 100 Weak
050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Structure & network

Locations & real estate

Establishment units

2 locations
SELF WASH BASILIQUE
Keizer Karellaan 149, 1082 Sint-Agatha-BerchemGoederenvervoer over de weg
since 20202.310.954.922
DIANA ARUTUNIAN
Keizer Karellaan 143, 1082 Sint-Agatha-BerchemKappers- en barbiersactiviteiten
since 20252.369.889.845
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area2,527 m²
Buildings2
Building footprint467 m²
Volume (LiDAR)7,176 m³
Tallest building19.0 m · ±5 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21342B0148/00B000 Brussels 2,247 m² 1 · 246 m² 18.6 m · 5 fl.
21342B0148/00D000 Brussels 279 m² 1 · 221 m² 19.0 m · 5 fl.
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.

Analysis

Snowflake analysis

financial profile on 5 axes
Health38Profitability0Solvency67Growth58Stability94
51 / 100

Mixed profile: strong on stability, weaker on profitability.

Health 38
Profitability 0
Solvency 67
Growth 58
Stability 94

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van wasserettes en wassalons ten behoeve van particulieren96012Kappers- en barbiersactiviteiten96210Activiteiten van wasserettes en wassalons ten behoeve van particulieren96102
Primary activity highlighted.
Names & trade names
Legal nameNL UZB GROUP
Registered office
Keizer Karellaan 143/9
1082 Sint-Agatha-Berchem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.