Financials
- Fiscal year
- 2024
- Total assets
- €248,126
- Profit
- €3,737
- Solvency
- 28.4%
Total assets▼ 5.1%
Net result
20192024
UNI-LADY
ActiveSummary
The computed 12-month bankruptcy probability of UNI-LADY is 6.2% (elevated). The 2024 annual accounts show equity of €70,499 and a net result of €3,737. Equity is growing by ~19.2% per year across the filed fiscal years. Its solvency ranks better than 47% of 26069 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Retail sale of cosmetics and toilet articles
NACE 47750Retail trade NACE 47553NACE 47593
2 sites
Size
€248,126total assets 2024
- Equity
- €70,499
- Profit
- €3,737
Structure
Accounts 65 d overdue0 of 1 deed read
Why 36- 1 financial year not filed after the legal deadline; latest accounts 76 days late; 3 of the last 3 late- Figures for FY 2024 (filed 19-10-2025)- Founded in 2018- 2 establishment unitsShow the evidence
Checked score
Score 2024
36
/ 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 41% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2023
Average
Solvency
53+2
equity 28.4% of total assets
Liquidity
14-5
short-term debt 71.6% · cash 2.0%
Profitability
71-1
return on assets 1.5%
Bankruptcy probability, 12 months
6.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 3.4%
12-2024: 3.5%▲ +2.7% vs 11-2024
01-2025: 3.4%▼ -2.0% vs 12-2024
02-2025: 3.4%● 0.0% vs 01-2025
03-2025: 2.9%▼ -14.9% vs 02-2025
04-2025: 3.0%▲ +1.6% vs 03-2025
05-2025: 2.9%▼ -0.8% vs 04-2025
06-2025: 2.8%▼ -2.8% vs 05-2025
07-2025: 2.8%▼ -0.2% vs 06-2025lowest value
08-2025: 3.6%▲ +27.6% vs 07-2025
09-2025: 3.8%▲ +3.8% vs 08-2025
10-2025: 5.4%▲ +43.9% vs 09-2025
11-2025: 3.7%▼ -32.5% vs 10-2025
12-2025: 3.7%● 0.0% vs 11-2025
01-2026: 3.6%▼ -1.9% vs 12-2025
02-2026: 3.6%● 0.0% vs 01-2026
03-2026: 3.5%▼ -1.1% vs 02-2026
04-2026: 3.6%▲ +1.5% vs 03-2026
05-2026: 3.6%▲ +0.5% vs 04-2026
06-2026: 3.5%▼ -2.7% vs 05-2026
07-2026: 3.5%▼ -1.6% vs 06-2026
08-2026: 4.1%▲ +18.9% vs 07-2026
09-2026: 4.2%▲ +3.1% vs 08-2026
10-2026: 6.2%▲ +45.6% vs 09-2026highest value
- 1 financial year not filed after the legal deadline; latest accounts 76 days late; 3 of the last 3 late raises the probability
- Figures for FY 2024 (filed 19-10-2025) raises the probability
- Founded in 2018 raises the probability for this profile
- 2 establishment units raises the probability
Credit up to €2,500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.25 against 1.16 in 2023; short-term debt: 71.6% and cash: 2% of total assets), and 71.6% 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 47, micro). Better than this share of them on solvency 44%, liquidity 13%, profitability 53%, growth against the median 53%. 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.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-10-2025, 76 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
76 d late
2023
46 d late
2022
130 d late
2020
338 d late
2019
122 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 142 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 (1)
- Annual accounts filedfiscal year 2024 · micro…
- Weakest financial yearnet €3,737 ▼48.2%
- Annual accounts filedfiscal year 2023 · micro…
Key points
By topic
Timeline
- Events
- 7
- Since
- 2020
- 15-10-2025Annual accounts filed
- 31-12-2024Weakest financial year
- 15-09-2024Annual accounts filed
Company details
- Sites
- 2
- Legal form
- Private limited company (pre-2019)
- Activity
- Retail sale of cosmetics and toilet articlesNACE 47750
- Founded
- 18-12-2018
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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