FINANCE UNITED
ActiveFINANCE UNITED has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €13k. Equity is growing by ~24.4% per year across the filed fiscal years. Its solvency ranks better than 69% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-17
Solvency99▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.96 against 6.66 in 2024; short-term debt: 26.5% and cash: 26.4% of total assets), and 26.5% 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○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
73.5%
Return on assets
11.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
55 d late
2022
54 d late
2021
115 d late
2020
51 d late
2019
69 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€81k▼ 44.1%
2024 · €145k
2018: €15k
2019: €55k
2020: €124k
2021: €42k
2022: €85k
2023: €111k
2024: €145k
2018 → 2025
Total assets
€110k▼ 33.7%
2024 · €166k
2018: €108k
2019: €113k
2020: €202k
2021: €54k
2022: €105k
2023: €149k
2024: €166k
2018 → 2025
Net result
€13k▼ 90.1%
2024 · €126k
2018: €4k
2019: €40k
2020: €69k
2021: €21k
2022: €154k
2023: €85k
2024: €126k
2018 → 2025
Working capital
€57k▼ 52.6%
2024 · €121k
2018: €31k
2019: €36k
2020: €104k
2021: €22k
2022: €56k
2023: €82k
2024: €121k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€85k▲ 104%€111k▲ 30.2%€145k▲ 30.5%€81k▼ 44.1%
Operating result€32k-€208k▲ 556%€117k▼ 43.5%€170k▲ 44.8%€22k▼ 87.1%
Net result€21k-€154k▲ 619%€85k▼ 44.9%€126k▲ 49.4%€13k▼ 90.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 87% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €110k
Fixed assets
€24k▼ 1.9%
Current assets
€86k▼ 39.2%
Equity and liabilities €110k
Equity
€81k▼ 44.1%
Debt
€29k▲ 36.8%
The debt ratio rises from 12.8% to 26.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€28k▼
2024 · €176k
Cash flow
€19k▼
2024 · €133k
Solvency
73.5%▼
2024 · 87.2%
Current ratio
2.96▼
2024 · 6.66
Quick ratio
2.96▼
2024 · 6.66
Debt / equity
0.36▲
2024 · 0.15
ROE
15.5%▼
2024 · 87.2%
ROA
11.4%▼
2024 · 76.0%
Interest coverage
45.26▼
2024 · 475.92
Debt
€29k▲
2024 · €21k
Debt ≤ 1 year
€29k▲
2024 · €21k
Income taxes
€10k▼
2024 · €44k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€166k€110k▼
Fixed assets21/28€24k€24k▼
Tangible fixed assets22/27€24k€24k▼
Furniture and vehicles24€10k€12k▲
Other tangible fixed assets26€14k€12k▼
Current assets29/58€142k€86k▼
Amounts receivable within one year40/41€48k€54k▲
Trade receivables40€25k€46k▲
Other amounts receivable41€23k€7k▼
Cash at bank and in hand54/58€88k€29k▼
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€166k€110k▼
Equity10/15€145k€81k▼
Contributions10/11€19k€19k=
Reserves13€126k€62k▼
Distributable reserves133€126k€62k▼
Amounts payable17/49€21k€29k▲
Amounts payable within one year42/48€21k€29k▲
Trade debts44€6k€9k▲
Suppliers440/4€6k€9k▲
Taxes, remuneration and social security45€15k€20k▲
Taxes450/3€15k€20k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€179k€30k▼
Operating profit (loss)9901€170k€22k▼
Financial income75/76B€622€1k▲
Recurring financial income75€622€1k▲
Financial charges65/66B€370€625▲
Recurring financial charges65€370€625▲
Profit (loss) for the period before taxes9903€170k€22k▼
Income taxes67/77€44k€10k▼
Profit (loss) for the period9904€126k€13k▼
Profit (loss) for the period to be appropriated9905€126k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€126k€13k▼
Transfer from equity791/2€93k€76k▼
Transfer to equity691/2€126k€13k▼
To other reserves6921€126k€13k▼
Profit to be distributed694/7€93k€76k▼
Return on contributions (dividend)694€93k€76k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 6.66
Current ratio from 3.20 to 6.66; short-term debt falls from €38k to €21k.
24-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 55 days late
2023
31-12
Financial
Equity above €100kEq €111k ▲30.2%
6 profitable years in a row build equity to €111k.
23-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 54 days late
2022
31-12
Financial
Highest result since 2018net €154k ▲619%
Operating result €208k, net result €154k, both a record.
23-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 115 days late
2021
20-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 51 days late
2020
31-12
Financial
Equity above €100kEq €124k ▲126%
3 profitable years in a row build equity to €124k.
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Kampenhout · 1 establishment unit since 2017
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.
Peperstraat 191910 KampenhoutGround area
893 m²
Building footprint
253 m²
Volume, LiDAR
1,266 m³
Parcel 23055C0428/00S000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FINANCE UNITED
since 20172.261.555.988
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23055C0428/00S000 | Flanders | 893 m² | 1 · 253 m² | 8.6 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 240 EUR awarded · 240 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 240 EUR | 240 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 40,132 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2017
Fiscal year end31-12
Abbreviation NL
UNIFIN
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
70220Business consulting
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.