Summary
DEF-UNI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €582k and a net result of €124k. Equity is growing by ~91.5% per year across the filed fiscal years. Its solvency ranks better than 24% of 9863 sector peers (fiscal year 2024). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 9863 sector peers (2024).
NBB · sector comparisonPosition among 9863 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-06-2025, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
49 d early
2023
36 d early
2022
83 d early
2021
131 d early
2020
26 d early
2019
21 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€582k▲ 27.0%
2023 · €458k
2018: €74k
2019: €49k
2020: €112k
2021: €111k
2022: €330k
2023: €458k
2018 → 2024
Net result
€124k▲ 184%
2023 · €44k
2018: €-8k
2019: €-25k
2020: €63k
2021: €-938
2022: €19k
2023: €44k
2018 → 2024
Total assets
€2.62M▼ 3.2%
2023 · €2.71M
2018: €208k
2019: €187k
2020: €117k
2021: €115k
2022: €495k
2023: €2.71M
2018 → 2024
Solvency
22.2%▲ 5.3pp
2023 · 16.9%
2018: 35.8%
2019: 26.2%
2020: 95.3%
2021: 96.2%
2022: 66.6%
2023: 16.9%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€112k-€111k▼ 0.8%€330k▲ 197%€458k▲ 39.0%€582k▲ 27.0%
Operating result€67k-€-238€20k€87k▲ 327%€223k▲ 158%
Net result€63k-€-938€19k€44k▲ 132%€124k▲ 184%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 158% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.62M
Fixed assets
€2.38M ▲ 4.4%
Current assets
€247k ▼ 42.9%
Equity and liabilities €2.62M
Equity
€582k ▲ 27.0%
Debt
€2.04M ▼ 9.3%
Debt's share of the balance-sheet total falls from 83.1% to 77.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
21.2%▲
2023 · 9.5%
ROA
4.7%▲
2023 · 1.6%
Debt ≤ 1 year
€282k▼
2023 · €753k
Debt > 1 year
€1.76M▲
2023 · €1.50M
Income taxes
€18k▲
2023 · €4k
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 · 49 lines
Balance sheet
Code20232024
Assets
Total assets20/58€2.71M€2.62M▼
Fixed assets21/28€2.28M€2.38M▲
Tangible fixed assets22/27€2.27M€2.37M▲
Land and buildings22€1.95M€2.09M▲
Plant, machinery and equipment23€55k€75k▲
Furniture and vehicles24€10k€8k▼
Leasing and similar rights25€254k€193k▼
Other tangible fixed assets26€3k€3k=
Financial fixed assets28€7k€7k=
Current assets29/58€433k€247k▼
Amounts receivable within one year40/41€331k€26k▼
Trade receivables40€327k€16k▼
Other amounts receivable41€3k€10k▲
Cash at bank and in hand54/58€92k€209k▲
Deferred charges and accrued income490/1€10k€12k▲
Equity and liabilities
Total equity and liabilities10/49€2.71M€2.62M▼
Equity10/15€458k€582k▲
Contributions10/11€350k€350k=
Reserves13€109k€232k▲
Distributable reserves133€109k€232k▲
Amounts payable17/49€2.25M€2.04M▼
Amounts payable after more than one year17€1.50M€1.76M▲
Financial debts170/4€1.50M€1.76M▲
Amounts payable within one year42/48€753k€282k▼
Current portion of amounts payable after more than one year42€141k€166k▲
Trade debts44€438k€29k▼
Suppliers440/4€438k€29k▼
Taxes, remuneration and social security45€9k€60k▲
Taxes450/3€9k€60k▲
Other amounts payable47/48€164k€27k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€216k€133k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€19k€29k▲
Gross operating margin9900€322k€385k▲
Operating profit (loss)9901€87k€223k▲
Financial income75/76B€5k€466▼
Recurring financial income75€5k€466▼
Financial charges65/66B€44k€82k▲
Recurring financial charges65€44k€82k▲
Profit (loss) for the period before taxes9903€48k€142k▲
Income taxes67/77€4k€18k▲
Profit (loss) for the period9904€44k€124k▲
Profit (loss) for the period to be appropriated9905€44k€124k▲
Appropriation of the result
Profit (loss) to be appropriated9906€44k€124k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€0-
Transfer to equity691/2€44k€124k▲
To other reserves6921€44k€124k▲
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €124k ▲184%
Operating result €223k, net result €124k, both a record.
31-12
Financial
Equity above €500kEq €582k ▲27%
3 profitable years in a row build equity to €582k.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
31-12
Financial
Equity above €200kEq €330k ▲197%
Equity rises from €111k to €330k.
22-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €63k
Net result €63k after 2 loss-making years.
31-12
Financial
Liquidity times 19current ratio 21.22
Current ratio from 1.14 to 21.22; short-term debt falls from €138k to €6k.
31-12
Financial
Equity above €100kEq €112k ▲128%
Equity rises from €49k to €112k.
Show earlier events
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-25k
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 22 days late
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
23-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
8 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, Diksmuide · 1 establishment unit since 2013
Ground area
1.7 ha
Building footprint
2,708 m²
Parcel 32472B0671/00P000, Flanders. Linked by address, not a title deed.
1 establishment unit
Def-Uni
since 20132.218.343.280
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32472B0671/00P000 | Flanders | 1.7 ha | 1 · 2,708 m² | - |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 5 entries · 5,044 EUR awarded · 5,044 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 155 EUR | 155 EUR |
| 2024 | 1 | 135 EUR | 135 EUR |
| 2023 | 1 | 53 EUR | 53 EUR |
| 2022 | 2 | 4,701 EUR | 4,701 EUR |
Schemes
Subsidies ecologisch en veilig transport (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
MOTIF8
BE 0544.776.942
Kapelle-op-den-Bos · Eq €581,776
7 ETE LA
BE 0578.851.458
Namur · Eq €581,803
PWEB SERVICES
BE 0475.205.770
Mol · Eq €581,879
Studio Medusa
BE 0867.816.438
Pelt · Eq €581,912
A&I MANAGEMENT
BE 0546.870.558
Hechtel-Eksel · Eq €581,937
Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 13,510 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
Founded22-01-2013
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
77110Renting and leasing of cars and light motor vehicles
77120Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.