UTK
ActiveSummary
The computed 12-month bankruptcy probability of UTK is 1.9% (moderate). The annual accounts of UTK for fiscal year 2025 show a net loss of 61% of the equity at the start of that year. The 2025 annual accounts show equity of €2k and a net result of €-3k. Equity is shrinking by ~29.8% per year across the filed fiscal years. Its solvency ranks better than 24% of 18280 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
33
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-32
Solvency28▼-4
Growth58=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.87 against 0.97 in 2024; short-term debt: 97.1% and cash: 14.6% of total assets), and 97.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
2.9%
Return on assets
-4.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 18280 sector peers (2025).
NBB · sector comparisonPosition among 18280 sector peers
Solvency
better than 24%
← weakest
strongest →
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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
50 d early
2023
50 d early
2022
131 d late
2021
502 d late
2020
17 d early
2019
7 d early
← 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
€2k▼ 60.9%
2024 · €4k
2018: €21k
2019: €21k
2020: €18k
2021: €10k
2022: €7k
2023: €3k
2024: €4k
2018 → 2025
Total assets
€57k▼ 1.9%
2024 · €58k
2018: €113k
2019: €111k
2020: €109k
2021: €95k
2022: €82k
2023: €67k
2024: €58k
2018 → 2025
Net result
€-3k
2024 · €2k
2018: €-3k
2019: €24
2020: €-3k
2021: €-8k
2022: €-3k
2023: €-5k
2024: €2k
2018 → 2025
Working capital
€-7k▼ 324%
2024 · €-2k
2018: €86
2019: €-2k
2020: €-3k
2021: €-7k
2022: €-4k
2023: €-3k
2024: €-2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€7k▼ 28.4%€3k▼ 65.6%€4k▲ 65.7%€2k▼ 60.9%
Operating result€-9k-€-268▲ 97.1%€-3k▼ 884%€2k€-4k
Net result€-8k-€-3k▲ 61.2%€-5k▼ 65.8%€2k€-3k
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 €4k after €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57k
Fixed assets
€9k ▲ 49.8%
Current assets
€48k ▼ 7.8%
Equity and liabilities €57k
Equity
€2k ▼ 60.9%
Debt
€55k ▲ 2.7%
Debt's share of the balance-sheet total rises from 92.7% to 97.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-3k
Cash flow
€-2k
Current ratio
0.87▼
2024 · 0.97
Quick ratio
0.17▼
2024 · 0.24
Debt to equity
33.58▲
2024 · 12.78
ROE
-155.8%▼
2024 · 39.7%
ROA
-4.5%▼
2024 · 2.9%
Interest coverage
-2.40
Debt ≤ 1 year
€55k▲
2024 · €54k
Income taxes
€3k▲
2024 · €663
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€58k€57k▼
Fixed assets21/28€6k€9k▲
Tangible fixed assets22/27-€3k
Furniture and vehicles24-€3k
Financial fixed assets28€6k€6k=
Current assets29/58€52k€48k▼
Stocks and contracts in progress3€39k€39k▼
Stocks30/36€39k€39k▼
Amounts receivable within one year40/41-€1k
Other amounts receivable41-€1k
Cash at bank and in hand54/58€13k€8k▼
Equity and liabilities
Total equity and liabilities10/49€58k€57k▼
Equity10/15€4k€2k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-16k€-19k▼
Amounts payable17/49€54k€55k▲
Amounts payable within one year42/48€54k€55k▲
Financial debts43€7k€7k▼
Credit institutions430/8€7k€7k▼
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€10k€775▼
Taxes450/3€10k€775▼
Other amounts payable47/48€35k€44k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€908
Other operating charges640/8€2k€4k▲
Gross operating margin9900€3k€422▼
Operating profit (loss)9901€2k€-4k▼
Financial income75/76B€2k€6k▲
Recurring financial income75€2k€15▼
Non-recurring financial income76B€2k€6k▲
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€2k€603▼
Income taxes67/77€663€3k▲
Profit (loss) for the period9904€2k€-3k▼
Profit (loss) for the period to be appropriated9905€2k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€-19k▼
Profit (loss) brought forward from the previous period14P€-18k€-16k▲
The notes to these accounts (8 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 4 loss-making years.
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 502 days late
09-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 131 days late
2021
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €24
Net result €24 after one loss-making year.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-07
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
11 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 · 2 establishment units since 2003
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.
Wayezstraat 831070 AnderlechtGround area
357 m²
Building footprint
321 m²
Volume, LiDAR
2,656 m³
2 parcels, Brussels · tallest building 19.0 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
AZRO 1070
since 20032.134.450.851
AZRO 1060
since 20202.299.685.304
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0145/00K007 | Brussels | 214 m² | 1 · 178 m² | 16.6 m · 1 fl. |
| 21001A0570/00A004 | Brussels | 143 m² | 1 · 142 m² | 19.0 m · 2 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
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BE 0761.965.286
Vorst · Eq €1,601
UNIVERSAL TRADING COMPANY
BE 0768.329.278
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XPLOSION
BE 0832.255.545
Hechtel-Eksel · Eq €1,486
BABETH
BE 0650.923.844
Rixensart · Eq €1,844
Of 2,210 companies in sector 47711 we hold annual accounts for 888. 181 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 (pre-2019)
Founded10-12-2003
Fiscal year end31-12
Activities, NACEBEL 2025
47711Retail sale of women's outerwear
47713Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0000000000