Univaiz
ActiveUnivaiz has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €8k 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 878 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
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.
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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Sector 58
lower
← 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
22.3%
Return on assets
1.7%
Age of the figures
21 mo
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 filingsDeviation from the deadline
2025
not confirmed
2024
229 d late
2023
101 d late
2022
88 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€8k▲ 8.3%
2023 · €7k
2022: €7k
2023: €7k
2022 → 2024
Total assets
€36k▲ 22.8%
2023 · €29k
2022: €34k
2023: €29k
2022 → 2024
Net result
€613▲ 928%
2023 · €60
2022: €21k
2023: €60
2022 → 2024
Working capital
€8k▲ 8.3%
2023 · €7k
2022: €7k
2023: €7k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€7k-€7k▲ 0.8%€8k▲ 8.3%
Operating result€21k-€289▼ 98.6%€804▲ 178%
Net result€21k-€60▼ 99.7%€613▲ 928%
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 2024; 2024 is 178% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €36k
Equity
€8k▲ 8.3%
Debt
€28k▲ 27.7%
The debt ratio rises from 74.8% to 77.7%. Equity and debt are higher.
Key figures and ratios
Solvency
22.3%▼
2023 · 25.2%
Current ratio
1.29▼
2023 · 1.34
Quick ratio
1.29▼
2023 · 1.34
Debt / equity
3.49▲
2023 · 2.96
ROE
7.7%▲
2023 · 0.8%
ROA
1.7%▲
2023 · 0.2%
Debt
€28k▲
2023 · €22k
Debt ≤ 1 year
€28k▲
2023 · €22k
Income taxes
€-210
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€29k€36k▲
Current assets29/58€29k€36k▲
Amounts receivable within one year40/41€29k€36k▲
Trade receivables40€24k€35k▲
Other amounts receivable41€5k€1k▼
Cash at bank and in hand54/58€291€2▼
Equity and liabilities
Total equity and liabilities10/49€29k€36k▲
Equity10/15€7k€8k▲
Contributions10/11€6k€6k=
Reserves13€1k€1k=
Distributable reserves133€1k€1k=
Profit (loss) carried forward14€60€672▲
Amounts payable17/49€22k€28k▲
Amounts payable within one year42/48€22k€28k▲
Trade debts44€2k€437▼
Suppliers440/4€2k€437▼
Advances received on contracts in progress46-€13k
Taxes, remuneration and social security45€8k€2k▼
Taxes450/3€8k€2k▼
Other amounts payable47/48€11k€13k▲
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.
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.
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
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.
Rue de la Belle-Jardinière 4004031 LiègeGround 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.
1 establishment unit
Univaiz
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
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.
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Of 1,283 companies in sector 58290 we hold annual accounts for 593. 232 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2021
Fiscal year end31-12
Activities, NACEBEL
58290Other software publishing
47120Other non-specialised retail sale
47910Retail trade
59201Sound recording
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
77400Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.