MS UNIVERSAL
ActiveMS UNIVERSAL has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €64k and a net result of €14k. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 67% of 2091 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
94
/ 100
Excellent▲ +20 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+99
Solvency89▲+11
Growth85▲+17
Stability100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.76 against 1.61 in 2023), but 51.2% 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.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
48.8%
Return on assets
10.8%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
61 d late
2022
119 d late
2021
58 d late
2020
53 d early
2019
18 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€568k▲ 27.1%
2021 · €447k
2018: €49k
2019: €216k
2020: €266k
2021: €447k
2018 → 2022
EBIT margin
0.3%▼ 3.1pp
2021 · 3.3%
2018: 7.7%
2019: 1.0%
2020: 3.4%
2021: 3.3%
2018 → 2022
Net result
€14k▲ 11,357%
2023 · €124
2018: €4k
2019: €2k
2020: €9k
2021: €15k
2022: €2k
2023: €124
2018 → 2024
Working capital
€50k▲ 21.8%
2023 · €41k
2019: €24k
2020: €30k
2021: €32k
2022: €20k
2023: €41k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€266k-€447k▲ 68.2%€568k▲ 27.1%
Equity€33k-€48k▲ 44.6%€50k▲ 3.2%€50k▲ 0.2%€64k▲ 28.4%
Operating result€9k-€15k▲ 64.1%€2k▼ 89.2%€9k▲ 474%€30k▲ 221%
Net result€9k-€15k▲ 63.4%€2k▼ 89.6%€124▼ 92.0%€14k▲ 11,357%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 221% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €131k
Fixed assets
€15k▲ 73.7%
Current assets
€116k▲ 6.6%
Equity and liabilities €131k
Equity
€64k▲ 28.4%
Debt
€67k▼ 0.7%
The debt ratio falls from 57.6% to 51.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€31k▲
2023 · €13k
Cash flow
€15k▲
2023 · €4k
Solvency
48.8%▲
2023 · 42.4%
Current ratio
1.76▲
2023 · 1.61
Quick ratio
1.07▲
2023 · 1.01
Debt / equity
1.05▼
2023 · 1.36
ROE
22.1%▲
2023 · 0.2%
ROA
10.8%▲
2023 · 0.1%
Interest coverage
5.41▲
2023 · 2.41
Debt
€67k▼
2023 · €68k
Debt ≤ 1 year
€66k▼
2023 · €68k
Income taxes
€10k▲
2023 · €4k
Staff costs
€23k▼
2023 · €41k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€118k€131k▲
Fixed assets21/28€9k€15k▲
Tangible fixed assets22/27€9k€15k▲
Land and buildings22€9k€15k▲
Furniture and vehicles24€0-
Current assets29/58€109k€116k▲
Stocks and contracts in progress3€41k€45k▲
Stocks30/36€41k€45k▲
Amounts receivable within one year40/41€10k€3k▼
Trade receivables40€10k€306▼
Other amounts receivable41€297€2k▲
Cash at bank and in hand54/58€57k€67k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€118k€131k▲
Equity10/15€50k€64k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€31k€45k▲
Amounts payable17/49€68k€67k▼
Amounts payable within one year42/48€68k€66k▼
Trade debts44€50k€48k▼
Suppliers440/4€50k€48k▼
Taxes, remuneration and social security45€18k€17k▼
Taxes450/3€15k€14k▼
Remuneration and social security454/9€3k€3k▼
Other amounts payable47/48-€907
Accrued charges and deferred income492/3-€1k
Income statement
Code20232024
Remuneration, social security and pensions62€41k€23k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€1k▼
Other operating charges640/8€1k€5k▲
Non-recurring operating charges66A€3k€0▼
Gross operating margin9900€59k€59k▲
Operating profit (loss)9901€9k€30k▲
Financial income75/76B€85€4▼
Recurring financial income75€85€4▼
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€4k€24k▲
Income taxes67/77€4k€10k▲
Profit (loss) for the period9904€124€14k▲
Profit (loss) for the period to be appropriated9905€124€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€45k▲
Profit (loss) brought forward from the previous period14P€31k€31k▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Weakest financial yearnet €124 ▼92%
Net result drops to €124, the lowest in the series; recovery starts the following year.
27-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 119 days late
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
2021
31-12
Financial
Highest result since 2018net €15k ▲63.4%
Net result €15k, the highest in the series.
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 18 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Haaltert · 2 establishment units since 2023
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.
Hoogstraat(HA) 179450 HaaltertGround area
885 m²
Building footprint
525 m²
Volume, LiDAR
2,494 m³
2 parcels, Flanders · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Malhi Eco Shop
since 20232.340.668.002
Mahli Aqua Wash
since 20262.388.732.193
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41024B0681/00K000 | Flanders | 562 m² | 1 · 464 m² | 10.4 m · 1 fl. |
| 41342B0537/00K000 | Flanders | 323 m² | 1 · 61 m² | 10.1 m · 3 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
2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteHaaltert2.340.668.002
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Of 440 companies in sector 10850 we hold annual accounts for 170. 111 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-08-2017
Fiscal year end31-12
Activities, NACEBEL
10850Manufacture of food products
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
46170Agents in the wholesale of food, beverages and tobacco
47210Retail sale of fruit and vegetables
47260Retail trade
47810Retail trade
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
96102Launderettes and laundries for private customers
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:msuniversal07@gmail.com
Phone:053/371483