Financials
- Financial year
- 2025
- Total assets
- €411,757
- Profit
- €31,721
- Solvency
- 76.5%
Total assets▲ 2.4%
Net result
20182025
UNIVERSAL ASSOCIATION
ActiveSummary
UNIVERSAL ASSOCIATION has been active since 1987 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €315,039 and a net result of €31,721. Equity is growing by about 11% per year across the filed financial years. The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
Activity not known1 site
Size
≈ €160,000turnover 2025, estimated
- Equity
- €315,039
- Profit
- €31,721
Turnover estimated from the gross margin
Structure
2025 accounts 32 days early1 of 8 deeds summarised
Why 92raises risk1 change of registered office in 24 monthslowers riskSize: total assets €411,757Liquidity: current ratio 3.10, cash €294,317Equity €315,039 (76.5% of total assets)Show the evidence
Checked score
Score 2025
92
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 63% of its sector peers (no NACE code, micro)
Financial strength · tick = 2024
Strong
Solvency
100=
equity 76.5% of total assets
Liquidity
92-4
short-term debt 23.5% · cash 71.5%
Profitability
78-11
return on assets 7.7%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: < 0.1%lowest value
12-2024: < 0.1%● unchanged vs 11-2024lowest value
01-2025: 0.1%▲ +0.1 percentage points vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.2%▲ +0.1 percentage points vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.3%▲ +0.1 percentage points vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025
08-2025: 0.1%▼ -0.2 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.2%▲ +0.1 percentage points vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.3%▲ +0.1 percentage points vs 07-2026
09-2026: 0.4%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 0.2%▼ -0.2 percentage points vs 09-2026
Credit of up to €25,000 on 30-day terms is acceptable
Liquidity ample (current ratio 3.1, compared with 4.41 in 2024, above the usual 1.5; short-term debt: 23.5% and cash: 71.5% of total assets), and 23.5% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 81% on solvency, 82% on liquidity, 61% on profitability and 29% on growth.
The bankruptcy probability was computed on 30-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 days early
2024
30 days early
2023
30 days early
2022
25 days early
2021
32 days early
2020
33 days early
2019
43 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 32 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
31-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Highest result from 2018 to 2025net €63,534 ▲93.8%
Key points
By topic
Timeline
- Events
- 43
- Since
- 1989
- Next accounts
- by 31-07-2027
- 27-12-2024Registered office
- 01-07-2024Annual accounts filed
- 06-07-2023Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Founded
- 18-11-1987
- Year ends
- 31-12
- Peppol
- Not found in the Peppol directory
Key facts about UNIVERSAL ASSOCIATION
- What is the company number of UNIVERSAL ASSOCIATION?
- 0432.573.775. In Belgium the VAT number is the company number with BE in front: BE 0432.573.775.
- Where is UNIVERSAL ASSOCIATION based?
- The registered office is at De Keyserlei 60C, 2018 Antwerpen.Company details
- What is the legal form of UNIVERSAL ASSOCIATION?
- Private limited company (BV).
- When was UNIVERSAL ASSOCIATION founded?
- On 18-11-1987.
- Is UNIVERSAL ASSOCIATION still active?
- Yes, UNIVERSAL ASSOCIATION is an active enterprise in the KBO register.
- What is the turnover of UNIVERSAL ASSOCIATION?
- Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
- Is UNIVERSAL ASSOCIATION profitable?
- In financial year 2025, UNIVERSAL ASSOCIATION made a profit of €31,721.
- Where can I find the annual accounts of UNIVERSAL ASSOCIATION?
- UNIVERSAL ASSOCIATION filed 38 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of UNIVERSAL ASSOCIATION due?
- By 31-07-2027, for financial year 2026.Timeline
Go further with this company
How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.