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Univaiz

Active
Private limited companyfounded 20214 yrs activeRue de la Belle-Jardinière 400, 4031 Liège, BelgiumKBO/BCE: BE 0778.408.370
Summary

Univaiz has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €7,973 and a net result of €613. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 32% of 877 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability42▲+4
Solvency47▼-3
Growth52=
Track record94
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.29 against 1.34 in 2023; short-term debt: 77.7% and cash: 0% of total assets), and 77.7% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · 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
highest failure risk from 2 to 8 years 4 years 0 10 y
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 58
Relative position
BE, all sectors
reference
Publishing activities (NACE 58)
about 30% fewer bankruptcies
← 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 2024
Solvency, return and age of the figures
Solvency
22.3%
Return on assets
1.7%
Age of the figures
21 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-03-2026, 229 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filings
Deviation from the deadline
2025
not confirmed
2024
229 d late
2023
101 d late
2022
88 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 139 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 37% of the sector filed late.

Checked, nothing found (1)
neutral · 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

History

On 9 December 2021, Univaiz was incorporated as a Private limited company.1 Total assets went from EUR 33,618 in 2022 to EUR 35,822 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2024

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Financials · fiscal year 2024, micro schema

Equity
€7,973▲ 8.3%
2023 · €7,360
Total assets
€35,822▲ 22.8%
2023 · €29,160
Net result
€613▲ 928%
2023 · €60
Working capital
€7,973▲ 8.3%
2023 · €7,360
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 58, Publishing activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line202220232024
Operating result€21,169-€289▼ 98.6%€804▲ 178%
Net result€21,301within the sector's middle half-€60within the sector's middle half▼ 99.7%€613within the sector's middle half▲ 928%
Equity€7,301within the sector's middle half-€7,360within the sector's middle half▲ 0.8%€7,973within the sector's middle half▲ 8.3%
Total assets€33,618below the sector's middle half-€29,160below the sector's middle half▼ 13.3%€35,822below the sector's middle half▲ 22.8%
Debt€26,317-€21,800▼ 17.2%€27,849▲ 27.7%
Working capital€7,301within the sector's middle half-€7,360within the sector's middle half▲ 0.8%€7,973within the sector's middle half▲ 8.3%
Solvency21.7%within the sector's middle half-25.2%within the sector's middle half▲ 3.5pp22.3%within the sector's middle half▼ 3.0pp
Current ratio1.28within the sector's middle half-1.34within the sector's middle half▲ 0.061.29within the sector's middle half▼ 0.05
Return on assets (ROA)63.4%above the sector's middle half-0.2%within the sector's middle half▼ 63.2pp1.7%within the sector's middle half▲ 1.5pp
above within below the middle half (P25 to P75) of NACE 58, Publishing activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€10,000€20,000Operating result 2022: €21,169€21,169Net result 2022: €21,301€21,301Operating result 2023: €289€289Net result 2023: €60€60Operating result 2024: €804€804Net result 2024: €613€613202220232024€0€10,000€20,000Operating result 2022: €21,169€21,200Net result 2022: €21,301€21,300Operating result 2023: €289€289Net result 2023: €60€60Operating result 2024: €804€804Net result 2024: €613€613202220232024
The operating result recovers in 2024; 2024 is 178% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €35,822
Equity €7,973 ▲ 8.3%
Debt €27,849 ▲ 27.7%
Debt's share of the balance-sheet total rises from 74.8% to 77.7%. Equity and debt are higher.
Key figures and ratios
2024 value · change against 2023
Debt to equity
3.49▲
2023 · 2.96
ROE
7.7%▲
2023 · 0.8%
Debt ≤ 1 year
€27,849▲
2023 · €21,800
Income taxes
-€210
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,542 companies that looked in July 2024 the way this one looks now, 3.5% went bankrupt within 24 months and 95% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 10 to 30%
  • a profit under 5% of the balance sheet
3.5% went bankrupt
1.2% stopped otherwise
95% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.3% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,542 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 31 lines
Balance sheet Code20232024
Assets
Total assets20/58€29,160€35,822▲
Current assets29/58€29,160€35,822▲
Amounts receivable within one year40/41€28,870€35,820▲
Trade receivables40€24,222€34,820▲
Other amounts receivable41€4,648€1,000▼
Cash at bank and in hand54/58€291€2▼
Equity and liabilities
Total equity and liabilities10/49€29,160€35,822▲
Equity10/15€7,360€7,973▲
Contributions10/11€6,000€6,000=
Reserves13€1,301€1,301=
Distributable reserves133€1,301€1,301=
Profit (loss) carried forward14€60€672▲
Amounts payable17/49€21,800€27,849▲
Amounts payable within one year42/48€21,800€27,849▲
Trade debts44€2,166€437▼
Suppliers440/4€2,166€437▼
Advances received on contracts in progress46-€12,747
Taxes, remuneration and social security45€8,236€1,720▼
Taxes450/3€8,236€1,720▼
Other amounts payable47/48€11,398€12,945▲
Income statement Code20232024
Other operating charges640/8€120-
Gross operating margin9900€410€804▲
Operating profit (loss)9901€289€804▲
Financial charges65/66B€230€401▲
Recurring financial charges65€230€401▲
Profit (loss) for the period before taxes9903€60€403▲
Income taxes67/77--€210
Profit (loss) for the period9904€60€613▲
Profit (loss) for the period to be appropriated9905€60€613▲
Appropriation of the result
Profit (loss) to be appropriated9906€60€672▲
Profit (loss) brought forward from the previous period14P-€60

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202220232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,166---
Other operating charges640/8-€120--
Gross operating margin9900€22,335€410€804▲ 96.2%
Operating profit (loss)9901€21,169€289€804▲ 178%
Financial income75/76B€591---
Recurring financial income75€591---
Financial charges65/66B€78€230€401▲ 74.6%
Recurring financial charges65€78€230€401▲ 74.6%
Profit (loss) for the period before taxes9903€21,683€60€403▲ 576%
Income taxes67/77€382--€210-
Profit (loss) for the period9904€21,301€60€613▲ 928%
Profit (loss) for the period to be appropriated9905€21,301€60€613▲ 928%
Line202220232024Change
Assets
Total assets20/58€33,618€29,160€35,822▲ 22.8%
Formation expenses20€0---
Current assets29/58€33,618€29,160€35,822▲ 22.8%
Amounts receivable within one year40/41€32,103€28,870€35,820▲ 24.1%
Trade receivables40€16,244€24,222€34,820▲ 43.8%
Other amounts receivable41€15,858€4,648€1,000▼ 78.5%
Cash at bank and in hand54/58€1,516€291€2▼ 99.4%
Equity and liabilities
Total equity and liabilities10/49€33,618€29,160€35,822▲ 22.8%
Equity10/15€7,301€7,360€7,973▲ 8.3%
Contributions10/11€6,000€6,000€6,000=
Reserves13€1,301€1,301€1,301=
Distributable reserves133€1,301€1,301€1,301=
Profit (loss) carried forward14-€60€672▲ 1,028%
Amounts payable17/49€26,317€21,800€27,849▲ 27.7%
Amounts payable within one year42/48€26,317€21,800€27,849▲ 27.7%
Trade debts44€1,120€2,166€437▼ 79.8%
Suppliers440/4€1,120€2,166€437▼ 79.8%
Advances received on contracts in progress46--€12,747-
Taxes, remuneration and social security45€5,198€8,236€1,720▼ 79.1%
Taxes450/3€5,198€8,236€1,720▼ 79.1%
Other amounts payable47/48€20,000€11,398€12,945▲ 13.6%
Line202220232024Change
Profit (loss) for the period9904€21,301€60€613▲ 928%
+ Depreciation and write-downs630€1,166---
Operating cash flow (approximation)€22,467€60€613▲ 928%
Change in cash--€1,225-€289▲ 76.4%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
17-03
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 229 days late
2024
09-11
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 101 days late
2023
31-12
Financial Weakest financial yearnet €60 ▼99.7%
Net result drops to €60, the lowest in the series; recovery starts the following year.
27-10
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 88 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Liège · 1 establishment unit since 2022
seat establishment The establishment unit on the map
Ground area
89 m²
Building footprint
113 m²
Volume, LiDAR
659 m³
Parcel 62002C0503/00A000, Wallonia · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
Univaiz
Rue de la Belle-Jardinière 400, 4031 LiègeRetail trade
since 20222.325.438.408
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62002C0503/00A000 Wallonia 89 m² 1 · 113 m² 6.9 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 1,290 companies in sector 58290 we hold annual accounts for 594. 234 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded09-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
58290Other software publishing
47120Other non-specialised retail sale
59201Sound recording
62100Computer programming
62200Computer consultancy and computer facilities management
77400Rental and leasing activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:0778408370
Registered 27-03-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.