U.S.I.
ActiveSummary
The computed 12-month bankruptcy probability of U.S.I. is 2.4% (moderate). The 2025 annual accounts show equity of €149k and a net result of €4k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 22% of 10359 sector peers (fiscal year 2025). The company has been active since 1993 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
Score 2025
47
/ 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
Profitability38▲+2
Solvency37=
Growth67▲+17
Track record92
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k 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.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 · 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
12.4%
Return on assets
0.4%
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 22% of 10359 sector peers (2025).
NBB · sector comparisonPosition among 10359 sector peers
Solvency
better than 22%
← 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 filingsDeviation 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 →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€197k▲ 1.5%
2022 · €194k
2018: €167k
2019: €180k
2021: €136k
2022: €194k
2018 → 2023
EBIT margin
7.1%▼ 16.9pp
2022 · 24.0%
2018: 10.0%
2019: 7.2%
2021: 22.4%
2022: 24.0%
2018 → 2023
Net result
€4k
2024 · €-8k
2018: €3k
2019: €1k
2020: €607
2021: €28k
2022: €9k
2023: €-9k
2024: €-8k
2018 → 2025
Working capital
€-101k▲ 18.7%
2024 · €-124k
2018: €-33k
2019: €-37k
2020: €-50k
2021: €-58k
2022: €-41k
2023: €-210k
2024: €-124k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€136k-€194k▲ 43.3%€197k▲ 1.5%
Equity€152k-€161k▲ 5.9%€153k▼ 5.4%€145k▼ 5.0%€149k▲ 3.0%
Operating result€30k-€47k▲ 53.2%€14k▼ 70.0%€25k▲ 78.1%€23k▼ 6.3%
Net result€28k-€9k▼ 67.5%€-9k€-8k▲ 13.0%€4k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.21M
Fixed assets
€1.15M =
Current assets
€52k ▲ 7.6%
Equity and liabilities €1.21M
Equity
€149k ▲ 3.0%
Debt
€1.06M ▼ 0.1%
Debt's share of the balance-sheet total falls from 87.9% to 87.6%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
0.34▲
2024 · 0.28
Quick ratio
0.04▼
2024 · 0.05
Debt to equity
7.07▼
2024 · 7.28
ROE
2.9%▲
2024 · -5.2%
ROA
0.4%▲
2024 · -0.6%
Debt ≤ 1 year
€153k▼
2024 · €173k
Debt > 1 year
€903k▲
2024 · €884k
Income taxes
€-8k▼
2024 · €13k
Staff costs
€49k▲
2024 · €44k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.20M€1.21M▲
Fixed assets21/28€1.15M€1.15M=
Tangible fixed assets22/27€1.15M€1.15M=
Land and buildings22€1.06M€1.06M=
Plant, machinery and equipment23€3k€3k=
Furniture and vehicles24€53k€53k=
Other tangible fixed assets26€35k€35k=
Current assets29/58€49k€52k▲
Stocks and contracts in progress3€40k€46k▲
Stocks30/36€40k€46k▲
Amounts receivable within one year40/41€613€481▼
Trade receivables40€613€481▼
Cash at bank and in hand54/58€8k€6k▼
Equity and liabilities
Total equity and liabilities10/49€1.20M€1.21M▲
Equity10/15€145k€149k▲
Contributions10/11€19k€19k=
Reserves13€40k€40k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€38k€38k=
Profit (loss) carried forward14€87k€91k▲
Amounts payable17/49€1.06M€1.06M▼
Amounts payable after more than one year17€884k€903k▲
Financial debts170/4€701k€632k▼
Other amounts payable178/9€183k€271k▲
Amounts payable within one year42/48€173k€153k▼
Current portion of amounts payable after more than one year42€68k€69k▲
Trade debts44€93k€77k▼
Suppliers440/4€93k€77k▼
Taxes, remuneration and social security45€12k€7k▼
Taxes450/3€9k€6k▼
Remuneration and social security454/9€3k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€44k€49k▲
Other operating charges640/8€7k€10k▲
Gross operating margin9900€76k€82k▲
Operating profit (loss)9901€25k€23k▼
Financial charges65/66B€20k€27k▲
Recurring financial charges65€20k€27k▲
Profit (loss) for the period before taxes9903€5k€-4k▼
Income taxes67/77€13k€-8k▼
Profit (loss) for the period9904€-8k€4k▲
Profit (loss) for the period to be appropriated9905€-8k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€87k€91k▲
Profit (loss) brought forward from the previous period14P€94k€87k▼
The notes to these accounts (6 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 · abbreviated schema · 31 days late
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
22-12
KBO administration
Address struck
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 19 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-9k ▼197%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
06-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €28k ▲4452%
Net result €28k, the highest in the series.
31-12
Financial
Equity above €150kEq €152k ▲22.2%
4 profitable years in a row build equity to €152k.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 28 days late
Show earlier events
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Schaarbeek · 1 establishment unit since 1993
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.
Brabantstraat 184A1030 SchaarbeekGround area
231 m²
Building footprint
219 m²
Volume, LiDAR
2,702 m³
2 parcels, Brussels · tallest building 17.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
LIN
since 19932.064.581.454
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21908E0023/00G013 | Brussels | 182 m² | 1 · 170 m² | 17.2 m · 5 fl. |
| 21908E0013/00M007 | Brussels | 49 m² | 1 · 49 m² | 14.8 m · 4 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
Benetti Fashion
BE 0687.973.884
Antwerpen · Eq €149,747
DICALL
BE 0461.676.349
Nivelles · Eq €150,001
RAYAN & CO
BE 0537.243.804
Schaarbeek · Eq €160,825
HUTAS
BE 0677.626.261
Maaseik · Eq €161,634
CHERUBIN
BE 0439.847.389
Kortrijk · Eq €137,355
Of 506 companies in sector 47713 we hold annual accounts for 197. 145 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
Founded01-12-1993
Fiscal year end31-12
Activities, NACEBEL 2025
47713Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.