Unago

Active

Non-profit associationfounded 20224 yrs activeDuingrasgaarde 1, 1150 Sint-Pieters-Woluwe, BelgiumKBO/BCE: BE 0784.992.789

Summary

Unago has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €308,044 and a net result of €209,929. Equity is growing by ~151.9% per year across the filed fiscal years. Its solvency ranks better than 85% of 861 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch Report Compare

UnagoActiveChecked score 99/100

Risk analysis Report Compare

Activity

Employment placement agencies

NACE 78100Social work activities without accommodation NACE 88994NACE 88996

1 site

Size

€359,736total assets 2025

Staff: 3.9 FTE
Equity: €308,044
Profit: €209,929

Turnover not published (abridged schema)

Financial health

99 Excellent Checked score 2025

Bankruptcy chance 12 m: < 0.1%

Structure

Accounts filed 31 d late0 of 4 deeds read

Why 99- Latest accounts 31 days late; 3 of the last 3 late+ Legal form Non-profit association+ Liquidity: current ratio 6.73, cash €313,864+ Sector Employment activities (NACE 78)Show the evidence

Checked score

Score 2025

99 / 100

Excellent

Probability in this band: under 0.55%

Better than 91% of its sector peers (NACE 78, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100+43

equity 85.6% of total assets

Liquidity 97-3

short-term debt 14.4% · cash 87.2%

Profitability 100=

return on assets 58.4%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.3% (1,352 companies)

Last 18 months 05-2025: 0.1% 06-2025: 0.1%▲ +0.8% vs 05-2025 07-2025: 0.1%▲ +0.8% vs 06-2025highest value 08-2025: 0.1%● 0.0% vs 07-2025highest value 09-2025: 0.1%▼ -1.7% vs 08-2025 10-2025: < 0.1%▼ -78.2% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%▼ -15.4% vs 11-2025 01-2026: < 0.1%▼ -9.1% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%● 0.0% vs 03-2026 05-2026: < 0.1%● 0.0% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%▲ +5.0% vs 06-2026 08-2026: < 0.1%▲ +19.0% vs 07-2026 09-2026: < 0.1%▼ -44.0% vs 08-2026lowest value 10-2026: < 0.1%▲ +7.1% vs 09-2026

Legal form Non-profit association lowers the probability
Liquidity: current ratio 6.73, cash €313,864 lowers the probability
Latest accounts 31 days late; 3 of the last 3 late raises the probability
Sector Employment activities (NACE 78) lowers the probability

Credit up to €30,000 at 30 days acceptable

Liquidity ample (current ratio 6.73 against 11.65 in 2024; short-term debt: 14.4% and cash: 87.2% of total assets), and 14.4% 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 78, micro). Better than this share of them on solvency 88%, liquidity 92%, profitability 88%, growth against the median 95%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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

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

−lowers risk+raises risk○neutral

Legal form Non-profit association

In the bankruptcy model this factor lowers the probability.

KBO

Liquidity: current ratio 6.73, cash €313,864

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts 31 days late; 3 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Sector Employment activities (NACE 78)

In the bankruptcy model this factor lowers the probability.

KBO

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 · 3 filings

Deviation from the deadline

2025

31 d late

2024

39 d late

2023

404 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 158 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 30% 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 8 September (3 of the last 3 filed years within 366 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 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

31-08-26 Annual accounts filedfiscal year 2025 · micro…
31-12-25 Highest result since 2023net €209,929 ▲138%
31-12-25 Equity above €200,000Eq €308,044 ▲214%

Key points

Positive: Result rose in 2025from €88,090 to €209,929 ▲ 138% View
Positive: Among the best 5% on net resultsector median €14,471 · 861 companies €209,929 View
Wallonia-Brussels supportpaid 2023 - 2025 €232,250 View