ULinia

Active

Private limited companyfounded 197947 yrs activeBeekstraat 15, 8820 Torhout, BelgiumKBO/BCE: BE 0419.036.139

Summary

ULinia has been active since 1979 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €105,198 and a net result of €29,318. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 304 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

ULiniaActiveChecked score 90/100

Risk analysis Report Compare

Activity

Manufacture of other non-metallic mineral products

NACE 23660NACE 23690Other specialised construction activities NACE 43990

#10 oldest company in Torhout, Manufacturing sector1 site

Size

€692,046total assets 2025

Staff: 5.2 FTE
Equity: €105,198
Profit: €29,318

Turnover not published (abridged schema)

Financial health

90 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.1%

Structure

Accounts 30 d early0 of 8 deeds read

Why 90- Equity €105,198 (15.2% of total assets)+ Liquidity: current ratio 1.13, cash €228,238+ Sector Manufacture of other non-metallic mineral products (NACE 23)+ Founded in 1979Show the evidence

Checked score

Score 2025

90 / 100

Excellent

Probability in this band: under 0.55%

Better than 36% of its sector peers (NACE 23, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Average

Solvency 40-3

equity 15.2% of total assets

Liquidity 46+8

short-term debt 81.9% · cash 33.0%

Profitability 51-2

return on assets 4.2%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (851 companies)

Last 24 months 11-2024: 0.2% 12-2024: 0.2%▲ +2.4% vs 11-2024 01-2025: 0.2%▼ -0.9% vs 12-2024 02-2025: 0.2%▲ +0.9% vs 01-2025 03-2025: 0.2%▲ +3.2% vs 02-2025 04-2025: 0.2%▼ -1.8% vs 03-2025 05-2025: 0.3%▲ +17.4% vs 04-2025 06-2025: 0.3%▲ +1.6% vs 05-2025 07-2025: 0.3%▲ +24.5% vs 06-2025 08-2025: 0.6%▲ +85.5% vs 07-2025highest value 09-2025: 0.6%● 0.0% vs 08-2025highest value 10-2025: 0.6%● 0.0% vs 09-2025highest value 11-2025: 0.6%● 0.0% vs 10-2025highest value 12-2025: 0.6%● 0.0% vs 11-2025highest value 01-2026: 0.6%▼ -0.7% vs 12-2025 02-2026: 0.6%● 0.0% vs 01-2026 03-2026: 0.6%▼ -0.2% vs 02-2026 04-2026: 0.2%▼ -60.7% vs 03-2026 05-2026: 0.2%▼ -0.9% vs 04-2026 06-2026: 0.2%▼ -0.9% vs 05-2026 07-2026: 0.2%▲ +2.6% vs 06-2026 08-2026: 0.1%▼ -47.7% vs 07-2026lowest value 09-2026: 0.1%● 0.0% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value

Liquidity: current ratio 1.13, cash €228,238 lowers the probability
Equity €105,198 (15.2% of total assets) raises the probability
Sector Manufacture of other non-metallic mineral products (NACE 23) lowers the probability
Founded in 1979 lowers the probability for this profile

Credit up to €9,000 at 30 days acceptable

Liquidity tight (current ratio 1.13 against 1.2 in 2024; short-term debt: 81.9% and cash: 33% of total assets), and 84.8% 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 23, micro). Better than this share of them on solvency 20%, liquidity 40%, profitability 29%, growth against the median 54%. 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.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Liquidity: current ratio 1.13, cash €228,238

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Equity €105,198 (15.2% of total assets)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Sector Manufacture of other non-metallic mineral products (NACE 23)

In the bankruptcy model this factor lowers the probability.

KBO

Founded in 1979

In the bankruptcy model this factor lowers the probability for this profile.

KBO

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 304 sector peers (2025).

NBB · sector comparison

Position among 304 sector peers

Solvency

better than 19%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

30 d early

2024

30 d early

2023

13 d early

2022

31 d late

2021

11 d early

2020

19 d late

2019

42 d early

← 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 11 days before the deadline; the sector median for financial year 2024 is 11 days before the deadline, and 34% of the sector filed late.

Checked, nothing found (2)

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 July (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

01-07-26 Annual accounts filedfiscal year 2025 · abbreviated…
01-07-25 Annual accounts filedfiscal year 2024 · abbreviated…
31-12-24 Equity above €100,000Eq €100,879 ▲3.9%

Key points

Caution: Among the weakest 20% on solvencysector median 44.3% · 304 companies 15.2% View
Positive: 5 profitable years in a rowprofit 2025: €29,318 5 years View
Active since 1979founded 01-01-1979 47 years View