UNI-CHOC
ActiveUNI-CHOC is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The latest annual accounts of UNI-CHOC were filed more than 90 days after the deadline. The 2025 annual accounts show equity of €672k and a net result of €106k. Equity is growing by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 22% of 5527 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Filing: Filed more than 90 days late
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 5527 sector peers (2025).
NBB · sector comparisonPosition among 5527 sector peers
Solvency
better than 22%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 20-04-2026, 171 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
171 d late
2024
9 d late
2023
4 d early
2022
2 d late
2021
31 d early
2020
2 d early
2019
34 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close23-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€672k▲ 18.8%
2024 · €566k
2019: €193k
2020: €436k
2021: €546k
2022: €469k
2023: €397k
2024: €566k
2019 → 2025
Net result
€106k▼ 41.4%
2024 · €181k
2019: €-15k
2020: €260k
2021: €122k
2022: €-77k
2023: €-72k
2024: €181k
2019 → 2025
Total assets
€3.27M▲ 1.2%
2024 · €3.23M
2019: €1.47M
2020: €1.50M
2021: €1.56M
2022: €2.30M
2023: €3.28M
2024: €3.23M
2019 → 2025
Solvency
20.6%▲ 3.0pp
2024 · 17.5%
2019: 13.2%
2020: 29.0%
2021: 34.9%
2022: 20.4%
2023: 12.1%
2024: 17.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€546k-€469k▼ 14.1%€397k▼ 15.3%€566k▲ 42.6%€672k▲ 18.8%
Operating result€199k-€-31k€-18k▲ 40.3%€286k€237k▼ 17.0%
Net result€122k-€-77k€-72k▲ 6.7%€181k€106k▼ 41.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.27M
Fixed assets
€3.21M▲ 1.1%
Current assets
€58k▲ 4.7%
Equity and liabilities €3.27M
Equity
€672k▲ 18.8%
Provisions
€57k▼ 4.3%
Debt
€2.54M▼ 2.5%
The debt ratio falls from 80.6% to 77.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
20.6%▲
2024 · 17.5%
ROE
15.8%▼
2024 · 32.0%
ROA
3.2%▼
2024 · 5.6%
Debt
€2.54M▼
2024 · €2.60M
Debt ≤ 1 year
€903k▲
2024 · €769k
Debt > 1 year
€1.63M▼
2024 · €1.83M
Income taxes
€53k▲
2024 · €13k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€3.23M€3.27M▲
Fixed assets21/28€3.17M€3.21M▲
Tangible fixed assets22/27€2.83M€2.86M▲
Land and buildings22€2.79M€2.71M▼
Plant, machinery and equipment23€42k€153k▲
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€344k€344k=
Current assets29/58€56k€58k▲
Stocks and contracts in progress3€50k€50k=
Stocks30/36€50k€50k=
Amounts receivable within one year40/41€2k€7k▲
Trade receivables40€0-
Other amounts receivable41€2k€7k▲
Cash at bank and in hand54/58€3k€0▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€3.23M€3.27M▲
Equity10/15€566k€672k▲
Contributions10/11€45k€45k=
Reserves13€521k€627k▲
Non-distributable reserves130/1€4k€0▼
Reserves not available under the articles1311€4k€0▼
Tax-exempt reserves132€199k€191k▼
Distributable reserves133€318k€436k▲
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€60k€57k▼
Deferred taxes168€60k€57k▼
Amounts payable17/49€2.60M€2.54M▼
Amounts payable after more than one year17€1.83M€1.63M▼
Financial debts170/4€1.83M€1.63M▼
Amounts payable within one year42/48€769k€903k▲
Current portion of amounts payable after more than one year42€173k€175k▲
Financial debts43€6k€70k▲
Credit institutions430/8€6k€70k▲
Trade debts44€32k€25k▼
Suppliers440/4€32k€25k▼
Taxes, remuneration and social security45€20k€35k▲
Taxes450/3€20k€35k▲
Other amounts payable47/48€538k€598k▲
Accrued charges and deferred income492/3€183€896▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€74k€73k▼
Other operating charges640/8€15k€13k▼
Non-recurring operating charges66A€10k€25k▲
Gross operating margin9900€385k€349k▼
Operating profit (loss)9901€286k€237k▼
Financial income75/76B€0€183▲
Recurring financial income75€0€183▲
Financial charges65/66B€94k€80k▼
Recurring financial charges65€94k€80k▼
Profit (loss) for the period before taxes9903€192k€157k▼
Transfer from deferred taxes780€3k€3k=
Income taxes67/77€13k€53k▲
Profit (loss) for the period9904€181k€106k▼
Transfer from tax-exempt reserves789€8k€8k=
Profit (loss) for the period to be appropriated9905€189k€114k▼
Appropriation of the result
Profit (loss) to be appropriated9906€189k€114k▼
Transfer from equity791/2€0-
Transfer to equity691/2€177k€114k▼
To other reserves6921€177k€114k▼
Profit to be distributed694/7€12k€0▼
Directors or managers695€12k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (17 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
20-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 171 days late
2024
09-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 9 days late
31-03
Financial
Back to profitnet €181k
Net result €181k after 2 loss-making years.
31-03
Financial
Equity above €500kEq €566k ▲42.6%
Equity rises from €397k to €566k.
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
02-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 2 days late
31-03
Financial
Weakest financial yearnet €-77k ▼163%
Net result drops to €-77k, the lowest in the series; recovery starts the following year.
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Equity above €500kEq €546k ▲25.3%
2 profitable years in a row build equity to €546k.
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Back to profitnet €260k
Net result €260k after one loss-making year.
31-03
Financial
Liquidity times 5current ratio 1.03
Current ratio from 0.21 to 1.03; short-term debt falls from €403k to €286k.
31-03
Financial
Equity above €200kEq €436k ▲125%
Equity rises from €193k to €436k.
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Gent · 1 establishment unit since 2020
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.
Groentenmarkt 29000 GentGround area
622 m²
Building footprint
576 m²
Volume, LiDAR
8,615 m³
2 parcels, Flanders · tallest building 21.0 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Monument 2 Rent
since 20202.306.371.275
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44803C0374/00C000 | Flanders | 555 m² | 1 · 513 m² | 21.0 m · 6 fl. |
| 44803C0355/00_000 | Flanders | 67 m² | 1 · 63 m² | 18.8 m · 5 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.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
VERDOPIC
BE 0794.880.851
Wingene · Eq €672k
CJS ENERGY
BE 0697.947.563
Messancy · Eq €672k
LA CLICHERIE BRUXELLOISE
BE 0535.976.864
Anderlecht · Eq €672k
COSMOGROUP
BE 0703.989.475
Heusden-Zolder · Eq €672k
Management SIEM
BE 0627.763.016
Scherpenheuvel-Zichem · Eq €672k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 13,361 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-03-2007
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68321Property management for co-owned buildings (syndics)
68322Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.