UNI CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of UNI CONSTRUCT is 9.8% (elevated). The 2024 annual accounts show equity of €71,344 and a net result of €52,941. Equity is growing by ~27.3% per year across the filed fiscal years. Its solvency ranks better than 50% of 9975 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
Score 2024
Axes · tick = 2023
Profitability100▲+28
Solvency67▲+17
Growth78▲+26
Track record92
Bankruptcy probability, 12 months
9.8%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days only on tighter terms
Liquidity ample (current ratio 1.54 against 0.99 in 2023; short-term debt: 58% and cash: 0% of total assets), but 58% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk
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 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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-11-2025, 99 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
99 d late
2023
49 d late
2022
28 d late
2021
4 d early
2020
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 41 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
€71,344▲ 288%
2023 · €18,403
Total assets
€169,768▲ 135%
2023 · €72,305
Net result
€52,941▲ 2,966%
2023 · €1,727
Working capital
€53,124
2023 · -€483
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€5,807-€6,306▲ 8.6%€5,699▼ 9.6%€2,610▼ 54.2%€72,616▲ 2,682%
Net result€4,339within the sector's middle half-€4,869within the sector's middle half▲ 12.2%€3,618within the sector's middle half▼ 25.7%€1,727within the sector's middle half▼ 52.3%€52,941above the sector's middle half▲ 2,966%
Equity€8,189below the sector's middle half-€13,058below the sector's middle half▲ 59.5%€16,676within the sector's middle half▲ 27.7%€18,403within the sector's middle half▲ 10.4%€71,344within the sector's middle half▲ 288%
Total assets€30,911below the sector's middle half-€45,747below the sector's middle half▲ 48.0%€49,955below the sector's middle half▲ 9.2%€72,305within the sector's middle half▲ 44.7%€169,768within the sector's middle half▲ 135%
Debt€22,722-€32,689▲ 43.9%€33,279▲ 1.8%€53,902▲ 62.0%€98,424▲ 82.6%
Working capital€4,556within the sector's middle half-€7,691within the sector's middle half▲ 68.8%-€3,177below the sector's middle half-€483below the sector's middle half▲ 84.8%€53,124within the sector's middle half
Solvency26.5%within the sector's middle half-28.5%within the sector's middle half▲ 2.1pp33.4%within the sector's middle half▲ 4.8pp25.5%within the sector's middle half▼ 7.9pp42.0%within the sector's middle half▲ 16.6pp
Current ratio1.20within the sector's middle half-1.24within the sector's middle half▲ 0.030.90below the sector's middle half▼ 0.330.99below the sector's middle half▲ 0.091.54within the sector's middle half▲ 0.55
Return on assets (ROA)14.0%within the sector's middle half-10.6%within the sector's middle half▼ 3.4pp7.2%within the sector's middle half▼ 3.4pp2.4%within the sector's middle half▼ 4.9pp31.2%above the sector's middle half▲ 28.8pp
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, 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
The operating result recovers in 2024; 2024 is 2,682% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €169,768
Fixed assets
€18,220 ▼ 3.5%
Current assets
€151,548 ▲ 184%
Equity and liabilities €169,768
Equity
€71,344 ▲ 288%
Debt
€98,424 ▲ 82.6%
Debt's share of the balance-sheet total falls from 74.5% to 58.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€73,582▲
2023 · €3,577
Cash flow
€53,907▲
2023 · €2,694
Debt to equity
1.38▼
2023 · 2.93
ROE
74.2%▲
2023 · 9.4%
Interest coverage
414.52▲
2023 · 22.26
Debt ≤ 1 year
€98,424▲
2023 · €53,902
Income taxes
€19,498▲
2023 · €723
Staff costs
€26,102▼
2023 · €48,831
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 9.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 26,970 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
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | - | €163,117 | €149,460 | €164,979 | €274,450 | ▲ 66.4% |
| Remuneration, social security and pensions62 | - | €41,782 | €51,815 | €48,831 | €26,102 | ▼ 46.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,182 | €1,167 | €2,133 | €967 | €967 | = |
| Other operating charges640/8 | - | €4,191 | €1,453 | €958 | €4,344 | ▲ 353% |
| Gross operating margin9900 | €36,081 | €53,445 | €61,100 | €53,366 | €104,029 | ▲ 94.9% |
| Operating profit (loss)9901 | €5,807 | €6,306 | €5,699 | €2,610 | €72,616 | ▲ 2,682% |
| Financial charges65/66B | - | €146 | €153 | €161 | €178 | ▲ 10.5% |
| Recurring financial charges65 | €116 | €146 | €153 | €161 | €178 | ▲ 10.5% |
| Profit (loss) for the period before taxes9903 | €5,691 | €6,159 | €5,546 | €2,449 | €72,438 | ▲ 2,857% |
| Income taxes67/77 | €1,352 | €1,291 | €1,927 | €723 | €19,498 | ▲ 2,599% |
| Profit (loss) for the period9904 | €4,339 | €4,869 | €3,618 | €1,727 | €52,941 | ▲ 2,966% |
| Profit (loss) for the period to be appropriated9905 | €4,339 | €4,869 | €3,618 | €1,727 | €52,941 | ▲ 2,966% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €30,911 | €45,747 | €49,955 | €72,305 | €169,768 | ▲ 135% |
| Fixed assets21/28 | €3,633 | €5,367 | €19,853 | €18,887 | €18,220 | ▼ 3.5% |
| Tangible fixed assets22/27 | €2,333 | €4,067 | €1,933 | €967 | - | - |
| Furniture and vehicles24 | - | €4,067 | €1,933 | €967 | - | - |
| Financial fixed assets28 | €1,300 | €1,300 | €17,920 | €17,920 | €18,220 | ▲ 1.7% |
| Current assets29/58 | €27,278 | €40,380 | €30,102 | €53,418 | €151,548 | ▲ 184% |
| Amounts receivable within one year40/41 | €27,241 | €28,542 | €17,052 | €52,676 | €151,152 | ▲ 187% |
| Trade receivables40 | - | €11,873 | €4,084 | €21,178 | €134,875 | ▲ 537% |
| Other amounts receivable41 | - | €16,669 | €12,968 | €31,498 | €16,277 | ▼ 48.3% |
| Cash at bank and in hand54/58 | €36 | €10,590 | €12,137 | €743 | €17 | ▼ 97.6% |
| Deferred charges and accrued income490/1 | - | €1,248 | €913 | - | €378 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €30,911 | €45,747 | €49,955 | €72,305 | €169,768 | ▲ 135% |
| Equity10/15 | €8,189 | €13,058 | €16,676 | €18,403 | €71,344 | ▲ 288% |
| Contributions10/11 | €3,850 | €3,850 | €3,850 | €3,850 | €3,850 | = |
| Capital10 | - | €3,850 | €3,850 | €3,850 | €3,850 | = |
| Issued capital100 | - | €3,850 | €3,850 | €3,850 | €3,850 | = |
| Reserves13 | €285 | €528 | €528 | €528 | €528 | = |
| Non-distributable reserves130/1 | - | €528 | €528 | €528 | €528 | = |
| Legal reserve130 | - | €528 | €528 | €528 | €528 | = |
| Profit (loss) carried forward14 | €4,055 | €8,680 | €12,298 | €14,025 | €66,966 | ▲ 377% |
| Amounts payable17/49 | €22,722 | €32,689 | €33,279 | €53,902 | €98,424 | ▲ 82.6% |
| Amounts payable within one year42/48 | €22,722 | €32,689 | €33,279 | €53,902 | €98,424 | ▲ 82.6% |
| Trade debts44 | €15,581 | €16,084 | €17,454 | €14,858 | €22,463 | ▲ 51.2% |
| Suppliers440/4 | - | €16,084 | €17,454 | €14,858 | €22,463 | ▲ 51.2% |
| Advances received on contracts in progress46 | - | - | €8,500 | €37,904 | €37,904 | = |
| Taxes, remuneration and social security45 | - | €8,256 | €7,324 | €1,140 | €38,057 | ▲ 3,237% |
| Taxes450/3 | - | €1,538 | €1,361 | €579 | €37,329 | ▲ 6,342% |
| Remuneration and social security454/9 | - | €6,719 | €5,964 | €561 | €728 | ▲ 29.8% |
| Other amounts payable47/48 | - | €8,349 | - | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,339 | €4,869 | €3,618 | €1,727 | €52,941 | ▲ 2,966% |
| + Depreciation and write-downs630 | €2,182 | €1,167 | €2,133 | €967 | €967 | = |
| Operating cash flow (approximation) | €6,521 | €6,035 | €5,752 | €2,694 | €53,907 | ▲ 1,901% |
| Investment in fixed assets (approximation) | - | -€2,900 | -€16,620 | €0 | -€300 | - |
| Change in cash | - | €10,554 | €1,547 | -€11,394 | -€725 | ▲ 93.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
07-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 99 days late
08-08
KBO administration
Address struck
2024
31-12
Financial
Highest result since 2020net €52,941 ▲2,966%
Operating result €72,616, net result €52,941, both a record.
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 49 days late
2023
31-12
Financial
Weakest financial yearnet €1,727 ▼52.3%
Net result drops to €1,727, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Koekelberg · 1 establishment unit since 2019
Ground area
732 m²
Building footprint
206 m²
Volume, LiDAR
2,297 m³
2 parcels, Brussels · tallest building 18.2 m, ±5 floors. Linked by address, not a title deed.
97
companies at this address
See who is registered here
1 establishment unit
UNI CONSTRUCT
since 20192.291.524.535
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21492B0043/00P002 | Brussels | 426 m² | 1 · 116 m² | 18.2 m · 5 fl. |
| 21815D0069/00S000 | Brussels | 306 m² | 1 · 90 m² | 13.7 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,052. 13,246 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
Founded04-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43211General electrical installation work
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43331Floor and wall tiling
43990Other specialised construction activities
Contact
E-mail
abfconsulting12@gmail.com
Phone
026445134
E-invoicing
Reachable via Peppol
Peppol ID
0208:0729779104
Also
9925:BE0729779104
Registered
25-06-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.