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UND IT

Active
Private limited companyfounded 20214 yrs activeNinoofsesteenweg 814, 1703 Dilbeek, BelgiumKBO/BCE: BE 0776.966.436
Summary

The computed 12-month bankruptcy probability of UND IT is 2.0% (moderate). The 2025 annual accounts show equity of €70,850 and a net result of -€11,116. Equity is growing by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 18716 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability51▼-33
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 10.72 against 5.83 in 2024; short-term debt: 7.6% and cash: 53.7% of total assets), and 7.6% of the assets are financed with debt.
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Signals

Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 4 years 0 10 y
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 4 filings
Deviation from the deadline
2025
19 d late
2024
26 d late
2023
36 d early
2022
21 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 8 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)
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 20 August (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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

History

On 9 November 2021, UND IT was incorporated as a Private limited company.1 Total assets went from EUR 118,478 in 2022 to EUR 76,694 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2025

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Financials · fiscal year 2025, micro schema

Source amounts without an identifiable currency are assumed to be EUR.

Equity
€70,850▼ 13.6%
2024 · €81,967
Total assets
€76,694▼ 16.7%
2024 · €92,079
Net result
-€11,116
2024 · €10,926
Working capital
€56,829▲ 16.4%
2024 · €48,815
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line2022202320242025
Operating result€57,673-€31,243▼ 45.8%€23,411▼ 25.1%-€13,314
Net result€42,245above the sector's middle half-€24,296above the sector's middle half▼ 42.5%€10,926within the sector's middle half▼ 55.0%-€11,116below the sector's middle half
Equity€46,745within the sector's middle half-€71,041within the sector's middle half▲ 52.0%€81,967within the sector's middle half▲ 15.4%€70,850within the sector's middle half▼ 13.6%
Total assets€118,478within the sector's middle half-€100,566within the sector's middle half▼ 15.1%€92,079within the sector's middle half▼ 8.4%€76,694within the sector's middle half▼ 16.7%
Debt€71,734-€29,525▼ 58.8%€10,113▼ 65.7%€5,844▼ 42.2%
Working capital-€22,987below the sector's middle half-€18,326within the sector's middle half€48,815within the sector's middle half▲ 166%€56,829within the sector's middle half▲ 16.4%
Solvency39.5%within the sector's middle half-70.6%above the sector's middle half▲ 31.2pp89.0%above the sector's middle half▲ 18.4pp92.4%above the sector's middle half▲ 3.4pp
Current ratio0.68below the sector's middle half-1.62within the sector's middle half▲ 0.945.83above the sector's middle half▲ 4.2110.72above the sector's middle half▲ 4.90
Return on assets (ROA)35.7%above the sector's middle half-24.2%above the sector's middle half▼ 11.5pp11.9%within the sector's middle half▼ 12.3pp-14.5%below the sector's middle half▼ 26.4pp
Staff (FTE)0.1-0.6▲ 500%
above within below the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€20,000€0€20,000€40,000€60,000Operating result 2022: €57,673€57,673Net result 2022: €42,245€42,245Operating result 2023: €31,243€31,243Net result 2023: €24,296€24,296Operating result 2024: €23,411€23,411Net result 2024: €10,926€10,926Operating result 2025: -€13,314-€13,314Net result 2025: -€11,116-€11,1162022202320242025-€20,000€0€20,000€40,000Operating result 2023: €31,243€31,200Net result 2023: €24,296€24,300Operating result 2024: €23,411€23,400Net result 2024: €10,926€10,900Operating result 2025: -€13,314-€13,300Net result 2025: -€11,116-€11,100202320242025
The operating result turns negative in 2025: a loss of €13,314 after €23,411 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €76,694
Fixed assets €14,021 ▼ 57.7%
Current assets €62,673 ▲ 6.4%
Equity and liabilities €76,694
Equity €70,850 ▼ 13.6%
Debt €5,844 ▼ 42.2%
Debt's share of the balance-sheet total falls from 11.0% to 7.6%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€5,817▼
2024 · €42,974
Cash flow
€8,015▼
2024 · €30,489
Debt to equity
0.08▼
2024 · 0.12
ROE
-15.7%▼
2024 · 13.3%
Interest coverage
55.72▲
2024 · 12.19
Debt ≤ 1 year
€5,844▼
2024 · €10,113
Income taxes
-€2,302▼
2024 · €8,961
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 3,225 companies that looked in July 2024 the way this one looks now, 3.3% went bankrupt within 24 months and 88% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more
3.3% went bankrupt
8.7% stopped otherwise
88% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 2.0% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 3,225 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet Code20242025
Assets
Total assets20/58€92,079€76,694▼
Fixed assets21/28€33,152€14,021▼
Tangible fixed assets22/27€32,965€13,834▼
Plant, machinery and equipment23€759€545▼
Furniture and vehicles24€32,206€13,289▼
Financial fixed assets28€187€187=
Current assets29/58€58,927€62,673▲
Amounts receivable within one year40/41€581€20,249▲
Trade receivables40€520€629▲
Other amounts receivable41€61€19,619▲
Cash at bank and in hand54/58€58,346€41,164▼
Deferred charges and accrued income490/1-€1,261
Equity and liabilities
Total equity and liabilities10/49€92,079€76,694▼
Equity10/15€81,967€70,850▼
Contributions10/11€4,500€4,500=
Reserves13€45,926€45,926=
Distributable reserves133€45,926€45,926=
Profit (loss) carried forward14€31,541€20,424▼
Amounts payable17/49€10,113€5,844▼
Amounts payable within one year42/48€10,113€5,844▼
Trade debts44€781€1,107▲
Suppliers440/4€781€1,107▲
Taxes, remuneration and social security45€9,258€4,384▼
Taxes450/3€8,242€1,396▼
Remuneration and social security454/9€1,016€2,989▲
Other amounts payable47/48€74€352▲
Income statement Code20242025
Remuneration, social security and pensions62€5,820-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19,563€19,131▼
Other operating charges640/8-€473
Gross operating margin9900€48,793€6,290▼
Operating profit (loss)9901€23,411-€13,314▼
Financial charges65/66B€3,524€104▼
Recurring financial charges65€3,524€104▼
Profit (loss) for the period before taxes9903€19,887-€13,419▼
Income taxes67/77€8,961-€2,302▼
Profit (loss) for the period9904€10,926-€11,116▼
Profit (loss) for the period to be appropriated9905€10,926-€11,116▼
Appropriation of the result
Profit (loss) to be appropriated9906€42,467€20,424▼
Profit (loss) brought forward from the previous period14P€31,541€31,541=
Transfer to equity691/2€10,926-
To other reserves6921€10,926-

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2022202320242025Change
Remuneration, social security and pensions62€899€5,682€5,820--
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6,558€19,305€19,563€19,131▼ 2.2%
Other operating charges640/8---€473-
Gross operating margin9900€65,130€56,230€48,793€6,290▼ 87.1%
Operating profit (loss)9901€57,673€31,243€23,411-€13,314▼ 157%
Financial income75/76B-€0---
Recurring financial income75-€0---
Financial charges65/66B€74€220€3,524€104▼ 97.0%
Recurring financial charges65€74€220€3,524€104▼ 97.0%
Profit (loss) for the period before taxes9903€57,600€31,024€19,887-€13,419▼ 167%
Income taxes67/77€15,355€6,728€8,961-€2,302▼ 126%
Profit (loss) for the period9904€42,245€24,296€10,926-€11,116▼ 202%
Profit (loss) for the period to be appropriated9905€42,245€24,296€10,926-€11,116▼ 202%
Line2022202320242025Change
Assets
Total assets20/58€118,478€100,566€92,079€76,694▼ 16.7%
Fixed assets21/28€69,732€52,715€33,152€14,021▼ 57.7%
Tangible fixed assets22/27€69,545€52,528€32,965€13,834▼ 58.0%
Plant, machinery and equipment23-€974€759€545▼ 28.3%
Furniture and vehicles24€69,545€51,554€32,206€13,289▼ 58.7%
Financial fixed assets28€187€187€187€187=
Current assets29/58€48,746€47,851€58,927€62,673▲ 6.4%
Amounts receivable within one year40/41-€5,272€581€20,249▲ 3,384%
Trade receivables40--€520€629▲ 21.0%
Other amounts receivable41-€5,272€61€19,619▲ 31,989%
Cash at bank and in hand54/58€48,746€42,579€58,346€41,164▼ 29.4%
Deferred charges and accrued income490/1---€1,261-
Equity and liabilities
Total equity and liabilities10/49€118,478€100,566€92,079€76,694▼ 16.7%
Equity10/15€46,745€71,041€81,967€70,850▼ 13.6%
Contributions10/11€4,500€4,500€4,500€4,500=
Reserves13€35,000€35,000€45,926€45,926=
Distributable reserves133€35,000€35,000€45,926€45,926=
Profit (loss) carried forward14€7,245€31,541€31,541€20,424▼ 35.2%
Amounts payable17/49€71,734€29,525€10,113€5,844▼ 42.2%
Amounts payable within one year42/48€71,734€29,525€10,113€5,844▼ 42.2%
Trade debts44€2,834€570€781€1,107▲ 41.8%
Suppliers440/4€2,834€570€781€1,107▲ 41.8%
Taxes, remuneration and social security45€24,290€8,881€9,258€4,384▼ 52.6%
Taxes450/3€21,710€5,315€8,242€1,396▼ 83.1%
Remuneration and social security454/9€2,579€3,566€1,016€2,989▲ 194%
Other amounts payable47/48€44,610€20,074€74€352▲ 375%
Line2022202320242025Change
Profit (loss) for the period9904€42,245€24,296€10,926-€11,116▼ 202%
+ Depreciation and write-downs630€6,558€19,305€19,563€19,131▼ 2.2%
Operating cash flow (approximation)€48,802€43,601€30,489€8,015▼ 73.7%
Investment in fixed assets (approximation)--€2,288€0€0-
Change in cash--€6,168€15,768-€17,183▼ 209%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
19-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
31-12
Financial Weakest financial yearnet -€11,116
Net result drops to -€11,116, the lowest in the series.
26-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial Liquidity quadruplescurrent ratio 5.83
Current ratio from 1.62 to 5.83; short-term debt falls from €29,525 to €10,113.
25-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Liquidity doublescurrent ratio 1.62
Current ratio from 0.68 to 1.62; short-term debt falls from €71,734 to €29,525.
21-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Dilbeek · 1 establishment unit since 2021
seat establishment The establishment unit on the map
Ground area
466 m²
Building footprint
67 m²
Volume, LiDAR
495 m³
Parcel 23070D0258/00B002, Flanders · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
Ninoofsesteenweg 814, 1703 Dilbeek
Retail trade
since 20212.351.067.885
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23070D0258/00B002 Flanders 466 m² 1 · 67 m² 10.4 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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

Of 3,224 companies in sector 47400 we hold annual accounts for 1,808. 1,460 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded09-11-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47400Retail sale of information and communication equipment
Contact
E-mail phuqueyenle@yahoo.com
E-invoicing
Reachable via Peppol
Peppol ID 0208:0776966436
Also 9925:BE0776966436
Registered 04-01-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.