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Complete company report
Generated 16-08-2026
Active BE 0878.617.783Private limited companyOpen bankruptcy

UNIVERSAL

Onderwijsstraat 47 ·2060 Antwerpen, Belgium· 20 yrs active
Sector: Detailhandel in onderdelen en accessoires van motorvoertuigen (47820)
Conclusion Checked

A 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.
Key figures
Equity €-98k
Net result €-4k
Better than sector 7%
Active 20 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health0Profitability18Solvency67Growth58Stability0
29 / 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
Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based
50 / 100
High riskRegister: open bankruptcy
This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.
Components
· Open bankruptcy (+50)
Trust signals 2 signals
Register: 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 Flags0 events
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.
Health barometer FY 2022 · computed
0 / 100 Critical
050100
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.
Financial overview10 NBB filings
Annual accounts filed on 30-08-2023 with the NBB · fiscal year 2022 · micro
€-150k€-100k€-50k€0Operating result 2018: €-26k€-26kNet result 2018: €-95k€-95kOperating result 2019: €-15k€-15kNet result 2019: €-111k€-111kOperating result 2020: €-9k€-9kNet result 2020: €-120k€-120kRevenue 2021: €20k€20kOperating result 2021: €-24k€-24kNet result 2021: €7k€7kOperating result 2022: €-4k€-4kNet result 2022: €-4k€-4k20182019202020212022
RevenueOperating resultNet result
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%
better than 7% of 4415 sector peers
Net result €-4k €2k
better than 30% of 4399 sector peers
Equity €-98k €14k
better than 5% of 4424 sector peers
Gross operating margin €-2k €19k
better than 19% of 4389 sector peers
Total assets €80k €88k
better than 47% of 4418 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€20k
- 18-22
Net profit
€-4k
- 18-22
Total assets
€80k
-2.8% 18-22
Equity
€-98k
-3.8% 18-22
Working capital
€52k
-5.8% 18-22
Income taxes
€114
-10.9% 18-22
Debt
€178k
+0.8% 18-22
Debt ≤ 1y
€28k
+5.0% 18-22
Show 8 other metrics
Debt > 1y
€150k
0.0% 18-22
Current ratio
2.85
-6.9% 18-22
Quick ratio
0.04
-63.7% 18-22
Solvency
-123.4%
-6.7% 18-22
Debt / equity
-1.81
+2.9% 18-22
ROE
3.7%
- 18-22
ROA
-4.5%
- 18-22
Net margin
34.0%
- 18-22
Figures by fiscal year
Fiscal year2022
Depositmicro
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 ratio2.85
Quick ratio0.04
Working capital ratio64.9%
Solvency-123.4%
Debt / equity-1.81
Long-term debt ratio-1.53
Interest coverage-
Gross margin-
Net margin-
ROA-4.5%
ROE3.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding25d
Inventory turnover0.37
Days inventory (DSI)984d
Full annual accounts (19 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
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.
Directors & mandates 2 directors
Current directors & mandates
  • EL GRAFEL Houssein
    Director
    State Gazette act 24375431 (12-03-2024)
    Current
    12-03-2024 → present
Former directors (1)
  • DIBRANI Agron
    Manager
    State 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.
Directors & mandates1 person
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)
Incorporation09-01-2006
StatusActive
Postal code2060
First BS signal 02-07-2025
Latest BS signal 02-07-2025
Establishment units 1 location
UNIVERSAL
Onderwijsstraat 47, 2060 AntwerpenGroothandel in onderdelen en accessoires van auto's
since 20062.152.523.634
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels 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.
Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
02-07-2025
Bankruptcy Opening
Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · UNIVERSAL BV ONDERWIJS- STRAAT 47, 2060 ANTWERPEN 6 · event 26-06-2025
2024
12-03-2024
State Gazette act Capital & shares
Pieter Herman
2023
30-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
31-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
27-09-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
30-11-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
30-09-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
25-09-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
21-09-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
30-08-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2015
23-10-2015
NBB filing Annual accounts filed
fiscal year 2014 · verkort
27-01-2015
NBB filing Annual accounts filed
fiscal year 2013 · verkort
Lifecycle & Insolvency Signals1 events
02-07-2025
Bankruptcy Opening
Date: 26-06-2025 · Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · UNIVERSAL BV ONDERWIJS- STRAAT 47, 2060 ANTWERPEN 6 · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262025-07-02 · Bankruptcy · Opening
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgian State Gazette reading coverage 0 of 4 acts read

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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 Capital & shares·Pieter Herman
Notary: Pieter Herman · Antwerpen
Technical details 
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  "notary": {
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    "firm_city": null,
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    "office_city": "Antwerpen",
    "is_associated": false
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  "act_meta": {
    "language": "nl",
    "pub_date": "2024-03-12",
    "filing_date": "2024-03-08",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
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  "bedrijfsrevisor": null,
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      "n_shares": 100,
      "class_name": "Aandelen op naam",
      "capital_share_eur": null,
      "voting_rights_per_share": 1.0
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  ]
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
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.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative