UNIVERSTONE
ActiveSummary
UNIVERSTONE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23.69M and a net result of €1.72M. Equity is growing by ~11.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 3187 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▲+15
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.75M at 30 days acceptable
Liquidity ample (current ratio 88.82 against 66.03 in 2024; short-term debt: 0.3% and cash: 2.4% of total assets), and 0.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
99.7%
Return on assets
7.2%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 22-05-2026, 70 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
70 d early
2024
1 d early
2023
1 d early
2022
28 d late
2021
30 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€1.72M▲ 409%
2024 · €338k
2018: €4.23M
2019: €1.90M
2020: €908k
2021: €7.66M
2022: €1.46M
2023: €1.17M
2024: €338k
2018 → 2025
Working capital
€6.63M▲ 60.8%
2024 · €4.12M
2018: €-2.78M
2019: €-1.99M
2020: €-1.82M
2021: €4.34M
2022: €-149k
2023: €2.31M
2024: €4.12M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19.00M-€20.47M▲ 7.7%€21.64M▲ 5.7%€21.97M▲ 1.6%€23.69M▲ 7.8%
Operating result€-55k-€-230k▼ 315%€65k€-508k€305k
Net result€7.66M-€1.46M▼ 80.9%€1.17M▼ 20.1%€338k▼ 71.1%€1.72M▲ 409%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €305k after a loss of €508k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €23.77M
Fixed assets
€17.06M ▼ 4.4%
Current assets
€6.70M ▲ 60.2%
Equity and liabilities €23.77M
Equity
€23.69M ▲ 7.8%
Debt
€75k ▲ 19.1%
Debt's share of the balance-sheet total stays at 0.3%.
Key figures and ratios
EBITDA
€309k▲
2024 · €-502k
Cash flow
€1.72M▲
2024 · €344k
Current ratio
88.82▲
2024 · 66.03
Debt to equity
0.00▲
2024 · 0.00
ROE
7.3%▲
2024 · 1.5%
ROA
7.2%▲
2024 · 1.5%
Interest coverage
0.97▲
2024 · -3.14
Debt ≤ 1 year
€75k▲
2024 · €63k
Income taxes
€165▲
2024 · €160
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 · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€22.04M€23.77M▲
Fixed assets21/28€17.85M€17.06M▼
Tangible fixed assets22/27€14k€12k▼
Plant, machinery and equipment23-€3k
Furniture and vehicles24€14k€10k▼
Financial fixed assets28€17.84M€17.05M▼
Current assets29/58€4.19M€6.70M▲
Amounts receivable within one year40/41€103k€131k▲
Trade receivables40€54k€57k▲
Other amounts receivable41€48k€74k▲
Current investments50/53€3.50M€6.00M▲
Cash at bank and in hand54/58€581k€568k▼
Deferred charges and accrued income490/1€2k€6k▲
Equity and liabilities
Total equity and liabilities10/49€22.04M€23.77M▲
Equity10/15€21.97M€23.69M▲
Contributions10/11€500k€500k=
Reserves13€50k€50k=
Distributable reserves133€50k€50k=
Profit (loss) carried forward14€21.42M€23.14M▲
Amounts payable17/49€63k€75k▲
Amounts payable within one year42/48€63k€75k▲
Trade debts44€4k€16k▲
Suppliers440/4€4k€16k▲
Taxes, remuneration and social security45-€36k
Taxes450/3-€36k
Other amounts payable47/48€59k€24k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€4k▼
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A€400k-
Gross operating margin9900€-101k€310k▲
Operating profit (loss)9901€-508k€305k▲
Financial income75/76B€1.01M€1.73M▲
Recurring financial income75€1.01M€1.73M▲
Financial charges65/66B€160k€317k▲
Recurring financial charges65€160k€317k▲
Profit (loss) for the period before taxes9903€338k€1.72M▲
Income taxes67/77€160€165▲
Profit (loss) for the period9904€338k€1.72M▲
Profit (loss) for the period to be appropriated9905€338k€1.72M▲
Appropriation of the result
Profit (loss) to be appropriated9906€21.42M€23.14M▲
Profit (loss) brought forward from the previous period14P€21.09M€21.42M▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €338k ▼71.1%
Net result drops to €338k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 66.03
Current ratio from 17.64 to 66.03; short-term debt falls from €139k to €63k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Liquidity times 19current ratio 17.64
Current ratio from 0.92 to 17.64; short-term debt falls from €1.80M to €139k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €7.66M ▲744%
Net result €7.66M, the highest in the series.
31-12
Financial
Liquidity times 6current ratio 4.94
Current ratio from 0.82 to 4.94; short-term debt falls from €10.03M to €1.10M.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
Show earlier events
2019
31-12
Financial
Equity above €10MEq €10.44M ▲22.3%
2 profitable years in a row build equity to €10.44M.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Ukkel · 1 establishment unit since 2008
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.
Kasteeltjeslaan 201180 UkkelGround area
3,553 m²
Building footprint
534 m²
Volume, LiDAR
3,541 m³
Parcel 21614H0032/00E015, Brussels · tallest building 11.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kasteeltjeslaan 20, 1180 Ukkel
since 20082.169.897.720
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614H0032/00E015 | Brussels | 3,553 m² | 1 · 534 m² | 11.7 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600CN0AKYCNCPKH96
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 3,570 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
Founded14-03-2008
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:02/745.69.59
Fax:02/745.69.01