UNIVERSAL AFRICA
ActiveSummary
UNIVERSAL AFRICA has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €85k and a net result of €20k. Equity is growing by ~45.1% per year across the filed fiscal years. Its solvency ranks better than 79% of 15869 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability91▲+9
Solvency100▲+41
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Liquidity ample (current ratio 4.05 against 1.49 in 2023; short-term debt: 23.9% and cash: 16.4% of total assets), and 23.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
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 14-11-2025, 106 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
106 d late
2023
140 d late
2022
150 d late
2021
233 d late
2020
286 d late
2019
493 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€85k▲ 30.2%
2023 · €65k
2019: €13k
2020: €20k
2021: €41k
2022: €45k
2023: €65k
2019 → 2024
Total assets
€112k▼ 41.6%
2023 · €191k
2019: €18k
2020: €77k
2021: €73k
2022: €91k
2023: €191k
2019 → 2024
Net result
€20k▼ 2.9%
2023 · €20k
2019: €7k
2020: €7k
2021: €21k
2022: €4k
2023: €20k
2019 → 2024
Working capital
€81k▲ 32.1%
2023 · €62k
2019: €8k
2020: €13k
2021: €34k
2022: €39k
2023: €62k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€20k-€41k▲ 102%€45k▲ 8.9%€65k▲ 45.1%€85k▲ 30.2%
Operating result€11k-€29k▲ 168%€4k▼ 86.5%€28k▲ 617%€27k▼ 2.1%
Net result€7k-€21k▲ 189%€4k▼ 82.4%€20k▲ 452%€20k▼ 2.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 2% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €112k
Fixed assets
€4k ▼ 1.6%
Current assets
€108k ▼ 42.4%
Equity and liabilities €112k
Equity
€85k ▲ 30.2%
Debt
€27k ▼ 78.8%
Debt's share of the balance-sheet total falls from 65.9% to 23.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27k▼
2023 · €31k
Cash flow
€20k▼
2023 · €23k
Current ratio
4.05▲
2023 · 1.49
Quick ratio
3.95▲
2023 · 1.40
Debt to equity
0.31▼
2023 · 1.93
ROE
23.2%▼
2023 · 31.1%
ROA
17.7%▲
2023 · 10.6%
Interest coverage
103.94▼
2023 · 110.77
Debt ≤ 1 year
€27k▼
2023 · €126k
Income taxes
€7k▼
2023 · €7k
Staff costs
€5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 39 lines
Balance sheet
Code20232024
Assets
Total assets20/58€191k€112k▼
Fixed assets21/28€4k€4k▼
Tangible fixed assets22/27€58-
Furniture and vehicles24€58-
Financial fixed assets28€4k€4k=
Current assets29/58€187k€108k▼
Stocks and contracts in progress3€12k€3k▼
Stocks30/36€12k€3k▼
Amounts receivable within one year40/41€164k€87k▼
Trade receivables40€95k€2k▼
Other amounts receivable41€69k€85k▲
Cash at bank and in hand54/58€11k€18k▲
Equity and liabilities
Total equity and liabilities10/49€191k€112k▼
Equity10/15€65k€85k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€59k€79k▲
Amounts payable17/49€126k€27k▼
Amounts payable within one year42/48€126k€27k▼
Trade debts44€91k€661▼
Suppliers440/4€91k€661▼
Taxes, remuneration and social security45€16k€26k▲
Taxes450/3€16k€25k▲
Remuneration and social security454/9-€1k
Other amounts payable47/48€19k-
Income statement
Code20232024
Remuneration, social security and pensions62-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€58▼
Other operating charges640/8-€116
Gross operating margin9900€31k€33k▲
Operating profit (loss)9901€28k€27k▼
Financial income75/76B€13-
Recurring financial income75€13-
Financial charges65/66B€277€264▼
Recurring financial charges65€277€264▼
Profit (loss) for the period before taxes9903€28k€27k▼
Income taxes67/77€7k€7k▼
Profit (loss) for the period9904€20k€20k▼
Profit (loss) for the period to be appropriated9905€20k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€79k▲
Profit (loss) brought forward from the previous period14P€39k€59k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 106 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 4.05
Current ratio from 1.49 to 4.05; short-term debt falls from €126k to €27k.
18-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 140 days late
2023
28-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 150 days late
21-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 233 days late
2022
31-12
Financial
Weakest financial yearnet €4k ▼82.4%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
13-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 286 days late
2021
31-12
Financial
Highest result since 2019net €21k ▲189%
Operating result €29k, net result €21k, both a record.
06-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 493 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Anderlecht · 1 establishment unit since 2018
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.
Zelfbestuursstraat 271070 AnderlechtGround area
334 m²
Building footprint
309 m²
Volume, LiDAR
6,757 m³
Parcel 21305B0204/00A021, Brussels · tallest building 26.9 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Universal Africa
since 20182.279.030.836
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21305B0204/00A021 | Brussels | 334 m² | 1 · 309 m² | 26.9 m · 8 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAnderlecht2.279.030.836
Similar companies · same sector, comparable size
SWEET HOME
BE 0458.754.570
Anderlues · Eq €85,156
BROODBOETIEK J&N
BE 0476.165.278
Ninove · Eq €85,226
BUYSSE FOOD SOLUTIONS
BE 0649.712.235
Herzele · Eq €85,514
IMRAN MAJ
BE 0671.712.726
Sint-Jans-Molenbeek · Eq €85,998
BIOBOX
BE 0471.655.669
Kortrijk · Eq €83,527
Of 1,425 companies in sector 46389 we hold annual accounts for 855. 564 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-06-2018
Fiscal year end31-12
Activities, NACEBEL 2025
46389Wholesale of other food products
47110Non-specialised retail sale with food, beverages or tobacco predominating
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.