UNIVERTEL
ActiveSummary
UNIVERTEL has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €209k and a net result of €-57k. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 51% of 1901 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-72
Solvency82=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.84 against 2.13 in 2024; short-term debt: 29.4% and cash: 10.5% of total assets), and 42.9% 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 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
17 d early
2023
7 d early
2022
3 d early
2021
61 d late
2020
18 d early
2019
10 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, micro schema
Equity
€209k▼ 21.4%
2024 · €266k
2018: €145k
2019: €182k
2020: €225k
2021: €226k
2022: €209k
2023: €253k
2024: €266k
2018 → 2025
Total assets
€366k▼ 22.1%
2024 · €470k
2018: €390k
2019: €376k
2020: €415k
2021: €401k
2022: €431k
2023: €515k
2024: €470k
2018 → 2025
Net result
€-57k
2024 · €13k
2018: €25k
2019: €37k
2020: €43k
2021: €1k
2022: €-17k
2023: €44k
2024: €13k
2018 → 2025
Working capital
€91k▼ 43.5%
2024 · €160k
2018: €74k
2019: €104k
2020: €133k
2021: €139k
2022: €118k
2023: €158k
2024: €160k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€226k-€209k▼ 7.3%€253k▲ 21.1%€266k▲ 5.0%€209k▼ 21.4%
Operating result€7k-€-13k€72k€23k▼ 67.4%€-55k
Net result€1k-€-17k€44k€13k▼ 71.3%€-57k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €55k after €23k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €366k
Fixed assets
€168k ▲ 0.1%
Current assets
€198k ▼ 34.4%
Equity and liabilities €366k
Equity
€209k ▼ 21.4%
Debt
€157k ▼ 23.1%
Debt's share of the balance-sheet total falls from 43.4% to 42.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-44k▼
2024 · €35k
Cash flow
€-46k▼
2024 · €24k
Current ratio
1.84▼
2024 · 2.13
Quick ratio
1.39▼
2024 · 1.66
Debt to equity
0.75▼
2024 · 0.77
ROE
-27.2%▼
2024 · 4.8%
ROA
-15.5%▼
2024 · 2.7%
Interest coverage
-23.84▼
2024 · 13.75
Debt ≤ 1 year
€108k▼
2024 · €142k
Debt > 1 year
€46k▼
2024 · €60k
Income taxes
€558▼
2024 · €9k
Staff costs
€94k▲
2024 · €91k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€470k€366k▼
Fixed assets21/28€168k€168k▲
Tangible fixed assets22/27€167k€168k▲
Land and buildings22€147k€142k▼
Plant, machinery and equipment23€20k€25k▲
Furniture and vehicles24€1k€547▼
Financial fixed assets28€209€209=
Current assets29/58€302k€198k▼
Stocks and contracts in progress3€66k€48k▼
Stocks30/36€66k€48k▼
Amounts receivable within one year40/41€150k€59k▼
Trade receivables40€149k€58k▼
Other amounts receivable41€626€626=
Current investments50/53€50k€50k=
Cash at bank and in hand54/58€35k€38k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€470k€366k▼
Equity10/15€266k€209k▼
Contributions10/11€19k€19k=
Reserves13€247k€191k▼
Distributable reserves133€247k€191k▼
Amounts payable17/49€204k€157k▼
Amounts payable after more than one year17€60k€46k▼
Financial debts170/4€60k€46k▼
Amounts payable within one year42/48€142k€108k▼
Current portion of amounts payable after more than one year42€14k€15k▲
Trade debts44€82k€44k▼
Suppliers440/4€82k€44k▼
Taxes, remuneration and social security45€27k€32k▲
Taxes450/3€10k€15k▲
Remuneration and social security454/9€17k€17k▼
Other amounts payable47/48€20k€17k▼
Accrued charges and deferred income492/3€2k€4k▲
Income statement
Code20242025
Non-recurring operating income76A€565€1k▲
Remuneration, social security and pensions62€91k€94k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▼
Other operating charges640/8€14k€3k▼
Non-recurring operating charges66A€1€5k▲
Gross operating margin9900€139k€59k▼
Operating profit (loss)9901€23k€-55k▼
Financial income75/76B€1k€57▼
Recurring financial income75€1k€57▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€22k€-56k▼
Income taxes67/77€9k€558▼
Profit (loss) for the period9904€13k€-57k▼
Profit (loss) for the period to be appropriated9905€13k€-57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€-57k▼
Transfer from equity791/2-€57k
Transfer to equity691/2€13k-
To other reserves6921€13k-
The notes to these accounts (9 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-57k ▼549%
Net result drops to €-57k, the lowest in the series.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €44k
Net result €44k after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €225k ▲23.6%
3 profitable years in a row build equity to €225k.
10-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 10 days late
2019
31-12
Financial
Equity above €150kEq €182k ▲25.2%
2 profitable years in a row build equity to €182k.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Herstal · 2 establishment units since 2012
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.
Rue Ferdinand Nicolay 54041 HerstalGround area
327 m²
Building footprint
170 m²
Volume, LiDAR
1,323 m³
2 parcels, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
UNIVERTEL
since 20122.214.452.194
Wanze Multimedia Center
since 20262.387.746.654
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62112B0924/00L000 | Wallonia | 253 m² | 1 · 129 m² | 10.4 m · 2 fl. |
| 61072A0146/00R000 | Wallonia | 74 m² | 1 · 41 m² | 10.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
T.M.P. SOLUTION
BE 0838.563.317
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VANDEWEGHE
BE 0450.221.342
Oostkamp · Eq €208k
MOTORSPORT MARKETING
BE 0872.069.491
Lontzen · Eq €212k
DGGD Consultancy
BE 0811.065.104
Haacht · Eq €205k
TEKST & UITLEG
BE 0445.767.458
Antwerpen · Eq €204k
Of 2,789 companies in sector 63910 we hold annual accounts for 700. 474 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
Founded28-11-2012
Fiscal year end31-12
Activities, NACEBEL 2025
47400Retail sale of information and communication equipment
63910Web portal activities
61200Telecommunications resale and intermediation services
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
73110Advertising agencies
95100Repair and maintenance of computers and communication equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.