UCHAB
ActiveUCHAB has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26k and a net result of €7k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 74% of 18281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+29
Solvency88▲+21
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.62 against 1.49 in 2024; short-term debt: 36.8% and cash: 5.2% of total assets), and 36.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 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
63.2%
Return on assets
17.8%
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 31-08-2026, 31 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
61 d late
2022
61 d late
2021
25 d early
2020
9 d late
2019
1 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€26k▲ 14.9%
2024 · €23k
2018: €17k
2019: €20k
2020: €27k
2021: €23k
2022: €26k
2023: €26k
2024: €23k
2018 → 2025
Total assets
€42k▼ 24.1%
2024 · €55k
2018: €40k
2019: €39k
2020: €39k
2021: €42k
2022: €34k
2023: €47k
2024: €55k
2018 → 2025
Net result
€7k
2024 · €-3k
2018: €-2k
2019: €3k
2020: €6k
2021: €-4k
2022: €3k
2023: €-279
2024: €-3k
2018 → 2025
Working capital
€25k▲ 59.6%
2024 · €16k
2018: €-6k
2019: €2k
2020: €13k
2021: €12k
2022: €5k
2023: €12k
2024: €16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€26k▲ 13.7%€26k▼ 1.1%€23k▼ 11.5%€26k▲ 14.9%
Operating result€-2k-€3k€-200€-3k▼ 1,357%€7k
Net result€-4k-€3k€-279€-3k▼ 976%€7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €7k after a loss of €3k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €42k
Fixed assets
€2k▼ 79.7%
Current assets
€40k▼ 15.5%
Equity and liabilities €42k
Equity
€26k▲ 14.9%
Debt
€15k▼ 52.0%
The debt ratio falls from 58.3% to 36.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▲
2024 · €4k
Cash flow
€13k▲
2024 · €4k
Solvency
63.2%▲
2024 · 41.7%
Current ratio
2.62▲
2024 · 1.49
Quick ratio
1.49▲
2024 · 0.66
Debt / equity
0.58▼
2024 · 1.40
ROE
28.1%▲
2024 · -13.0%
ROA
17.8%▲
2024 · -5.4%
Interest coverage
297.19▲
2024 · 44.42
Debt
€15k▼
2024 · €32k
Debt ≤ 1 year
€15k▼
2024 · €32k
Staff costs
€30k▼
2024 · €33k
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€55k€42k▼
Fixed assets21/28€7k€2k▼
Intangible fixed assets21€4k€2k▼
Tangible fixed assets22/27€4k-
Furniture and vehicles24€4k-
Current assets29/58€48k€40k▼
Amounts receivable after more than one year29€21k€21k=
Other amounts receivable291€21k€21k=
Stocks and contracts in progress3€26k€17k▼
Stocks30/36€26k€17k▼
Amounts receivable within one year40/41€625€100▼
Other amounts receivable41€625€100▼
Cash at bank and in hand54/58€62€2k▲
Equity and liabilities
Total equity and liabilities10/49€55k€42k▼
Equity10/15€23k€26k▲
Contributions10/11€25k€25k=
Profit (loss) carried forward14€-2k€1k▲
Amounts payable17/49€32k€15k▼
Amounts payable within one year42/48€32k€15k▼
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€5k€2k▼
Remuneration and social security454/9€5k€2k▼
Other amounts payable47/48€23k€10k▼
Income statement
Code20242025
Remuneration, social security and pensions62€33k€30k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€231€63▼
Gross operating margin9900€37k€43k▲
Operating profit (loss)9901€-3k€7k▲
Financial charges65/66B€84€45▼
Recurring financial charges65€84€45▼
Profit (loss) for the period before taxes9903€-3k€7k▲
Profit (loss) for the period9904€-3k€7k▲
Profit (loss) for the period to be appropriated9905€-3k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€5k▲
Profit (loss) brought forward from the previous period14P€1k€-2k▼
Profit to be distributed694/7-€4k
Directors or managers695-€4k
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-4k ▼157%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Schaarbeek · 1 establishment unit since 2016
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.
Haachtsesteenweg 7071030 SchaarbeekGround area
173 m²
Building footprint
139 m²
Volume, LiDAR
1,780 m³
Parcel 21902A0267/00R004, Brussels · tallest building 14.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
UCHAB
since 20162.256.069.352
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21902A0267/00R004 | Brussels | 173 m² | 1 · 139 m² | 14.3 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSchaarbeek2.256.069.352
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Of 2,407 companies in sector 47241 we hold annual accounts for 1,100. 880 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-07-2016
Fiscal year end31-12
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
47241Retail sale of bread and pastry (bakery outlets)
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.