Umatec

Active

Private limited companyfounded 20197 yrs activeOude Tiensebaan 41, 3270 Scherpenheuvel-Zichem, BelgiumKBO/BCE: BE 0733.641.880

The computed 12-month bankruptcy probability of Umatec is 1.9% (moderate). The 2025 annual accounts show equity of €45k and a net result of €4k. Equity is growing by ~28.8% per year across the filed fiscal years. Its solvency ranks better than 30% of 27451 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

61 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability72▼-2

Solvency54▼-5

Growth52=

Track record100

Bankruptcy probability, 12 months

1.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2.5k at 30 days acceptable

Liquidity tight (current ratio 1.11 against 0.7 in 2024; short-term debt: 62.1% and cash: 36% of total assets), and 71.3% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

28.7%

Return on assets

2.7%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-06-2026, 50 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

50 d early

2024

51 d early

2023

31 d late

2022

31 d late

2021

32 d early

2020

8 d early

← before the deadline after the deadline →

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 months

Position in the running window

17-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€45k▲ 8.4%

2024 · €42k

2020: €13k 2021: €13k 2022: €13k 2023: €37k 2024: €42k

2020 → 2025

Total assets

€158k▲ 27.4%

2024 · €124k

2020: €27k 2021: €73k 2022: €79k 2023: €147k 2024: €124k

2020 → 2025

Net result

€4k▼ 12.9%

2024 · €5k

2020: €6k 2021: €269 2022: €170 2023: €24k 2024: €5k

2020 → 2025

Working capital

€11k

2024 · €-18k

2020: €6k 2021: €-21k 2022: €-16k 2023: €-3k 2024: €-18k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€13k-€13k▲ 1.3%€37k▲ 177%€42k▲ 13.2%€45k▲ 8.4%

Operating result€90-€761▲ 747%€31k▲ 4,019%€6k▼ 81.0%€6k▲ 7.4%

Net result€269-€170▼ 36.8%€24k▲ 13,765%€5k▼ 79.4%€4k▼ 12.9%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 7% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €158k

31.0%

69.0%

Fixed assets €49k▼ 40.1%

Current assets €109k▲ 158%

Equity and liabilities €158k

28.7%

71.3%

Equity €45k▲ 8.4%

Debt €112k▲ 37.0%

The debt ratio rises from 66.3% to 71.3%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€26k▲

2024 · €20k

Cash flow

€24k▲

2024 · €19k

Solvency

28.7%▼

2024 · 33.7%

Current ratio

1.11▲

2024 · 0.70

Quick ratio

1.11▲

2024 · 0.70

Debt / equity

2.48▲

2024 · 1.96

ROE

9.4%▼

2024 · 11.7%

ROA

2.7%▼

2024 · 3.9%

Interest coverage

25.51▼

2024 · 54.38

Debt

€112k▲

2024 · €82k

Debt ≤ 1 year

€98k▲

2024 · €60k

Debt > 1 year

€15k▼

2024 · €22k

Income taxes

€1k▲

2024 · €746

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€124k€158k▲

Fixed assets21/28€82k€49k▼

Tangible fixed assets22/27€82k€49k▼

Plant, machinery and equipment23€2k€3k▲

Furniture and vehicles24€80k€46k▼

Current assets29/58€42k€109k▲

Amounts receivable within one year40/41€24k€49k▲

Trade receivables40€13k€48k▲

Other amounts receivable41€12k€463▼

Cash at bank and in hand54/58€17k€57k▲

Deferred charges and accrued income490/1€546€3k▲

Equity and liabilities

Total equity and liabilities10/49€124k€158k▲

Equity10/15€42k€45k▲

Contributions10/11€7k€7k=

Reserves13€35k€38k▲

Distributable reserves133€35k€38k▲

Amounts payable17/49€82k€112k▲

Amounts payable after more than one year17€22k€15k▼

Financial debts170/4€22k€15k▼

Amounts payable within one year42/48€60k€98k▲

Current portion of amounts payable after more than one year42€9k€7k▼

Trade debts44€589€39k▲

Suppliers440/4€589€39k▲

Taxes, remuneration and social security45€746€1k▲

Taxes450/3€746€1k▲

Other amounts payable47/48€50k€50k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€20k▲

Other operating charges640/8€1k€1k▲

Non-recurring operating charges66A€2k€4k▲

Gross operating margin9900€23k€32k▲

Operating profit (loss)9901€6k€6k▲

Financial income75/76B€27€345▲

Recurring financial income75€27€345▲

Financial charges65/66B€364€1k▲

Recurring financial charges65€364€1k▲

Profit (loss) for the period before taxes9903€6k€6k▲

Income taxes67/77€746€1k▲

Profit (loss) for the period9904€5k€4k▼

Profit (loss) for the period to be appropriated9905€5k€4k▼

Appropriation of the result

Profit (loss) to be appropriated9906€5k€4k▼

Transfer to equity691/2€5k€4k▼

To other reserves6921€5k€4k▼

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 2Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

11-06

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

10-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 31 days late

2023

31-12

Financial Highest result since 2020net €24k ▲13765%

Operating result €31k, net result €24k, both a record.

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

2022

31-12

Financial Weakest financial yearnet €170 ▼36.8%

Net result drops to €170, the lowest in the series; recovery starts the following year.

29-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

23-07

NBB filing Annual accounts filed

fiscal year 2020 · micro 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, Scherpenheuvel-Zichem · 1 establishment unit since 2019

establishment The establishment unit on the map

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.

Oude Tiensebaan 413270 Scherpenheuvel-Zichem

Ground area

717 m²

Building footprint

152 m²

Volume, LiDAR

783 m³

Parcel 24098A0292/00C007, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Umatec

Oude Tiensebaan 41, 3270 Scherpenheuvel-ZichemRepair, maintenance and installation of machinery and equipment

since 20192.292.790.285

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24098A0292/00C007	Flanders	717 m²	1 · 152 m²	8.5 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.

Public money · subsidies and aid

Flemish government

2022 · 1 entry · 375 EUR awarded · 375 EUR paid

Year	Entries	awarded	paid
2022	1	375 EUR	375 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 375 EUR · 375 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

SECURI-COM

BE 0846.637.576

Heist-op-den-Berg · Eq €45k

Of 22,822 companies in sector 43211 we hold annual accounts for 10,324. 8,472 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded03-09-2019

Fiscal year end31-12

Activities, NACEBEL

43211General electrical installation work

33120Repair and maintenance of machinery

43212Electrical installation work in industrial facilities

47120Other non-specialised retail sale

47910Retail trade

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.