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U.S.I.

Active
Private limited companyfounded 199332 yrs activeBrabantstraat 184A, 1030 Schaarbeek, BelgiumKBO/BCE: BE 0451.269.833
Summary

U.S.I. has been active since 1993 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 2 administrative register entries (see administrative flags). The 2025 annual accounts show equity of €149,442 and a net result of €4,354. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 23% of 12331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Risk analysisWatch ReportCompare
U.S.I.ActiveChecked score 66/100
Risk analysis ReportCompare

Overview

Activity
Retail trade
NACE 47713Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716NACE 52421
1 site
Size
€1.2mtotal assets 2025
Equity
€149,442
Profit
€4,354
Financial health
66 Healthy Checked score 2025
Bankruptcy chance 12 m
1.0%
Structure
Accounts filed 31 d late0 of 4 deeds read
Why 66- Equity €149,442 (12.4% of total assets)- Sector Retail trade (NACE 47)+ Size: total assets €1.2m+ Founded in 1993Show the evidence

Checked score

Score 2025
66 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 38% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 37=
equity 12.4% of total assets
Liquidity 49+1
short-term debt 12.7% · cash 0.5%
Profitability 38+2
return on assets 0.4%
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (39,974 companies)
Last 24 months 11-2024: 0.5% 12-2024: 0.5%● 0.0% vs 11-2024 01-2025: 0.5%● 0.0% vs 12-2024 02-2025: 0.5%▲ +5.1% vs 01-2025 03-2025: 0.6%▲ +12.1% vs 02-2025 04-2025: 0.6%▲ +2.2% vs 03-2025 05-2025: 0.6%▲ +0.3% vs 04-2025 06-2025: 0.6%▼ -0.3% vs 05-2025 07-2025: 1.0%▲ +55.3% vs 06-2025 08-2025: 1.5%▲ +55.4% vs 07-2025 09-2025: 0.3%▼ -77.0% vs 08-2025lowest value 10-2025: 0.3%● 0.0% vs 09-2025lowest value 11-2025: 0.3%● 0.0% vs 10-2025lowest value 12-2025: 0.3%● 0.0% vs 11-2025lowest value 01-2026: 0.6%▲ +89.2% vs 12-2025 02-2026: 0.7%▲ +5.1% vs 01-2026 03-2026: 0.7%▲ +4.1% vs 02-2026 04-2026: 0.7%▲ +0.7% vs 03-2026 05-2026: 0.8%▲ +13.7% vs 04-2026 06-2026: 0.8%▲ +0.4% vs 05-2026 07-2026: 0.9%▲ +15.7% vs 06-2026 08-2026: 2.1%▲ +124% vs 07-2026highest value 09-2026: 1.0%▼ -54.5% vs 08-2026 10-2026: 1.0%● 0.0% vs 09-2026
  • Size: total assets €1.2m lowers the probability for this profile
  • Founded in 1993 lowers the probability for this profile
  • Equity €149,442 (12.4% of total assets) raises the probability
  • Sector Retail trade (NACE 47) raises the probability
Credit up to €9,000 at 30 days acceptable
Liquidity short (current ratio 0.34 against 0.28 in 2024; short-term debt: 12.7% and cash: 0.5% of total assets), and 87.6% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 29%, liquidity 49%, profitability 29%, growth against the median 47%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €1.2m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Founded in 1993
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Equity €149,442 (12.4% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Sector Retail trade (NACE 47)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 12331 sector peers (2025).
NBB · sector comparison
Position among 12331 sector peers
Solvency
better than 23%
← weakest strongest →
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 · 10 filings
Deviation from the deadline
2025
31 d late
2024
19 d late
2023
30 d late
2022
3 d early
2021
206 d early
2020
2 d early
2019
28 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 15 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

raises risk · Administrative warnings in the KBO publications
2 publications by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publications
Publications
Address struckAddress strikeout annulled
Checked, nothing found (1)
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. Usually files around 19 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Address strikeout annulledKBO administration
  3. Back to profitnet €4,354

Key points

  • Active since 1993founded 01-12-1993 32 years View
  • Total assets 20256 fiscal years filed €1.2m View

By topic

Financials

Fiscal year
2025
Total assets
€1.2m
Profit
€4,354
Solvency
12.4%
Turnover▲ 1.5%
Net result
20182023
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 31-08-2026Annual accounts filed
  2. 07-01-2026Address strikeout annulled
  3. 31-12-2025Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail tradeNACE 47713
Founded
01-12-1993
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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