Summary
Conclusion
the dossier summarised in one paragraphA bankruptcy procedure is open for UNIVERSAL according to publications in the Belgian State Gazette. The 2022 annual accounts show negative equity (€-98k) and a net result of €-4k.
Based on the State Gazette, CBE and 5 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneBankruptcy opened
A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.
Insolvency timeline
1 events02-07-2025
Bankruptcy
Opening
Signals
Insufficient current data: the most recent filed accounts (financial year 2022) are too old to derive current signals.
Filing behaviour
From the deposit records, complete market-wideFiling behaviour not assessed
The register records an open bankruptcy. From that point the trustee files and the ordinary seven-month rhythm no longer governs. The register carries no start date, so we cannot tell which filings fall before it: we show the facts and do not assess the behaviour.
Filed after the deadline
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 30-08-2023, 30 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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2022, that is 31-07-2023.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | nothing on record | not filed | - |
| 31-12-2023 | 31-07-2024 | nothing on record | not filed | - |
| 31-12-2022 | 31-07-2023 | 30-08-2023 | 30 d late | 2023-00434121 |
| 31-12-2021 | 31-07-2022 | 31-08-2022 | 31 d late | 2022-20404986 |
| 31-12-2020 | 31-07-2021 | 27-09-2021 | 58 d late | 2021-68700092 |
| 31-12-2019 | 31-07-2020 | 30-11-2020 | 122 d late | 2020-73300198 |
| 31-12-2018 | 31-07-2019 | 30-09-2019 | 61 d late | 2019-67800312 |
| 31-12-2017 | 31-07-2018 | 25-09-2018 | 56 d late | 2018-64700416 |
| 31-12-2016 | 31-07-2017 | 21-09-2017 | 52 d late | 2017-61700131 |
| 31-12-2015 | 31-07-2016 | 30-08-2016 | 30 d late | 2016-49700003 |
| 31-12-2014 | 31-07-2015 | 23-10-2015 | 84 d late | 2015-65400224 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsRegister: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
Turnover€20k
EBIT margin-121.1%
Net result€-4k
Working capital€52k-5.8%
Directors1
Annual accounts & ratios
Source: NBB · 2022Annual accounts filed on 30-08-2023 with the NBB · fiscal year 2022 · micro
Sector comparison
Fiscal year 2022 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -123.4% | 19.8% | |
| Net result | €-4k | €2k | |
| Equity | €-98k | €14k | |
| Gross operating margin | €-2k | €19k | |
| Total assets | €80k | €88k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P7
Stable position over 2020-2022
· n=1500-4415
P30
Stable position over 2020-2022
· n=1494-4399
P5
Stable position over 2020-2022
· n=1503-4424
P19
Stable position over 2020-2022
· n=1489-4389
Describes the position versus peers, not a forecast.
€20k
-
18-22
€-4k
-
18-22
€80k
-2.8%
18-22
€-98k
-3.8%
18-22
€52k
-5.8%
18-22
€114
-10.9%
18-22
€178k
+0.8%
18-22
€28k
+5.0%
18-22
Show 8 other metrics
€150k
0.0%
18-22
2.85
-6.9%
18-22
0.04
-63.7%
18-22
-123.4%
-6.7%
18-22
-1.81
+2.9%
18-22
3.7%
-
18-22
-4.5%
-
18-22
34.0%
-
18-22
Figures by fiscal year
| Fiscal year | 2022 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | - |
| Net profit | €-4k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €80k |
| Equity | €-98k |
| Debt | €178k |
| of which ≤ 1y | €28k |
| of which > 1y | €150k |
| Working capital | €52k |
| Employees (FTE) | - |
Ratios (computed)
| 2022 | |
|---|---|
| Current ratio | 2.85 |
| Quick ratio | 0.04 |
| Working capital ratio | 64.9% |
| Solvency | -123.4% |
| Debt / equity | -1.81 |
| Long-term debt ratio | -1.53 |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | -4.5% |
| ROE | 3.7% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | 25d |
| Inventory turnover | 0.37 |
| Days inventory (DSI) | 984d |
Full annual accounts (19 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2022 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €80k |
| Current assets | 29/58 | €80k |
| Stocks & contracts in progress | 3 | €79k |
| Cash & bank | 54/58 | €1k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €80k |
| Equity | 10/15 | €-98k |
| Contributions / capital | 10/11 | €19k |
| Accumulated profits (losses) | 14 | €-117k |
| Amounts payable | 17/49 | €178k |
| Amounts payable after one year | 17 | €150k |
| Amounts payable within one year | 42/48 | €28k |
| Trade debts payable within one year | 44 | €2k |
| Income statement | ||
| Gross operating margin | 9900 | €-2k |
| Operating result | 9901 | €-4k |
| Financial income | 75 | €305 |
| Financial charges | 65 | €42 |
| Result before taxes | 9903 | €-4k |
| Net result for the period | 9904 | €-4k |
| Result to be appropriated | 9905 | €-4k |
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2022 · computed0
/ 100
Critical
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2022 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.
Directors
Directors & mandates
2 directors4 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
-
EL GRAFEL HousseinDirectorState Gazette act 24375431 (12-03-2024)Current12-03-2024 → present
Former directors (1)
-
DIBRANI AgronManagerState Gazette act 24375431 (12-03-2024)Former- → 12-03-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
1 mandate| Role | Name | Tenure | Source |
|---|---|---|---|
| Curator | STéPHANE VAN MOORLEGHEM MECHELSE-
STEENWEG 271/8.1, 2018 ANTWERPEN 1 |
26-06-2025 → present | Belgian State Gazette |
Legal Structure
| NACE primary | Detailhandel in onderdelen en accessoires van motorvoertuigen(47820) |
| Legal form | Private limited company(610) |
| Incorporation | 09-01-2006 |
| Status | Active |
| Postal code | 2060 |
| First BS signal | 02-07-2025 |
| Latest BS signal | 02-07-2025 |
Structure & network
Ownership & control
No ownership or control structure found in the sources.
For this we read shareholding and parent/subsidiary relations from the acts in the Belgian State Gazette, plus the board seats that legal entities hold in one another. Nothing of the sort is published for this company, which is common: most Belgian companies do not publish a shareholding structure.
1 court or liquidation mandate is on record for this company. Such a mandate is a fact about the company itself, not about a tie to another one: two bankruptcies handled by the same receiver are two separate cases. They are listed under Directors & mandates.
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationUNIVERSAL
since 20062.152.523.634
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area123 m²
Buildings1
Building footprint100 m²
Volume (LiDAR)923 m³
Tallest building13.6 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11805E0414/00L014 | Flanders | 123 m² | 1 · 100 m² | 13.6 m · 3 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
1 event from the State Gazette02-07-2025
Bankruptcy
Opening
Time machine: BS events + macro context
2021-2026Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad · acts
1 acts Capital history · 1
12-03-2024
Capital change
All acts · 1
updated 2 years ago
2024
12-03-2024 All shares are now held by a single shareholder
Notary:
Pieter Herman · Antwerpen
Analysis
Financial profile
5 of 5 axes measured29
/ 100
Fragile profile, watch health in particular.
All 5 axes are computed from data Checked has read.
Health
0
Profitability
18
Solvency
67
Growth
58
Stability
0
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 155 of the 2,451 companies in this sector. 88 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Detailhandel in onderdelen en accessoires van motorvoertuigen45320Detailhandel in onderdelen en accessoires van motorvoertuigen47820Kleinhandel in onderdelen en accessoires van auto's50302
Primary activity highlighted.
Names & trade names
| Legal nameNL | UNIVERSAL |
Registered office
Onderwijsstraat 47
2060 Antwerpen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.