UNI-MAT
ActiveSummary
UNI-MAT has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.17M and a net result of €63k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 32% of 8048 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability22▲+3
Solvency52▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity tight (current ratio 1.35 against 1.43 in 2024; short-term debt: 72.8% and cash: 15.8% of total assets), and 73.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
26.7%
Return on assets
1.4%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 14-10-2025, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
96 d late
2023
32 d early
2022
32 d early
2021
31 d early
2020
43 d early
2019
21 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close25-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.17M▲ 1.2%
2024 · €1.15M
2019: €1.10Mlowest in 7 years
2020: €1.12M▲ +2.3% vs 2019
2021: €1.16M▲ +2.8% vs 2020
2022: €1.16M▲ +0.3% vs 2021
2023: €1.14M▼ -1.8% vs 2022
2024: €1.15M▲ +1.5% vs 2023
2025: €1.17M▲ +1.2% vs 2024highest in 7 years
2019 → 2025
Total assets
€4.38M▲ 15.1%
2024 · €3.81M
2019: €2.55M
2020: €1.87M▼ -26.8% vs 2019lowest in 7 years
2021: €3.37M▲ +80.7% vs 2020
2022: €3.60M▲ +6.6% vs 2021
2023: €3.90M▲ +8.4% vs 2022
2024: €3.81M▼ -2.4% vs 2023
2025: €4.38M▲ +15.1% vs 2024highest in 7 years
2019 → 2025
Net result
€63k▲ 811%
2024 · €7k
2019: €-23lowest in 7 years
2020: €26k▲ +110747% vs 2019
2021: €32k▲ +23.7% vs 2020
2022: €3k▼ -90.1% vs 2021
2023: €27k▲ +758% vs 2022
2024: €7k▼ -74.1% vs 2023
2025: €63k▲ +811% vs 2024highest in 7 years
2019 → 2025
Working capital
€1.12M▼ 0.1%
2024 · €1.12M
2019: €1.09Mlowest in 7 years
2020: €1.11M▲ +2.0% vs 2019
2021: €1.14M▲ +2.7% vs 2020highest in 7 years
2022: €1.13M▼ -0.7% vs 2021
2023: €1.10M▼ -2.7% vs 2022
2024: €1.12M▲ +2.0% vs 2023
2025: €1.12M▼ -0.1% vs 2024
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.16M-€1.16M▲ 0.3%€1.14M▼ 1.8%€1.15M▲ 1.5%€1.17M▲ 1.2%
2021: €1.16M
2022: €1.16M▲ +0.3% vs 2021
2023: €1.14M▼ -1.8% vs 2022lowest in 5 years
2024: €1.15M▲ +1.5% vs 2023
2025: €1.17M▲ +1.2% vs 2024highest in 5 years
Operating result€75k-€10k▼ 86.6%€55k▲ 447%€43k▼ 23.3%€152k▲ 257%
2021: €75k
2022: €10k▼ -86.6% vs 2021lowest in 5 years
2023: €55k▲ +447% vs 2022
2024: €43k▼ -23.3% vs 2023
2025: €152k▲ +257% vs 2024highest in 5 years
Net result€32k-€3k▼ 90.1%€27k▲ 758%€7k▼ 74.1%€63k▲ 811%
2021: €32k
2022: €3k▼ -90.1% vs 2021lowest in 5 years
2023: €27k▲ +758% vs 2022
2024: €7k▼ -74.1% vs 2023
2025: €63k▲ +811% vs 2024highest in 5 years
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 257% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.38M
Fixed assets
€69k ▲ 20.8%
Current assets
€4.31M ▲ 15.0%
Equity and liabilities €4.38M
Equity
€1.17M ▲ 1.2%
Debt
€3.21M ▲ 21.2%
Debt's share of the balance-sheet total rises from 69.7% to 73.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€153k▲
2024 · €43k
Cash flow
€65k▲
2024 · €7k
Current ratio
1.35▼
2024 · 1.43
Quick ratio
0.77▲
2024 · 0.58
Debt to equity
2.75▲
2024 · 2.30
ROE
5.4%▲
2024 · 0.6%
ROA
1.4%▲
2024 · 0.2%
Interest coverage
0.21▲
2024 · 0.06
Debt ≤ 1 year
€3.19M▲
2024 · €2.63M
Income taxes
€25k▲
2024 · €4k
Staff costs
€163k▲
2024 · €154k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.81M€4.38M▲
Fixed assets21/28€57k€69k▲
Intangible fixed assets21-€10k
Tangible fixed assets22/27€428€113▼
Furniture and vehicles24€428€113▼
Financial fixed assets28€57k€59k▲
Current assets29/58€3.75M€4.31M▲
Stocks and contracts in progress3€2.23M€1.86M▼
Stocks30/36€2.23M€1.86M▼
Amounts receivable within one year40/41€1.41M€1.74M▲
Trade receivables40€1.37M€1.71M▲
Other amounts receivable41€46k€34k▼
Cash at bank and in hand54/58€78k€691k▲
Deferred charges and accrued income490/1€33k€21k▼
Equity and liabilities
Total equity and liabilities10/49€3.81M€4.38M▲
Equity10/15€1.15M€1.17M▲
Contributions10/11€758k€723k▼
Reserves13€397k€445k▲
Distributable reserves133€397k€445k▲
Amounts payable17/49€2.65M€3.21M▲
Amounts payable within one year42/48€2.63M€3.19M▲
Financial debts43€700k€1.25M▲
Credit institutions430/8€700k€1.25M▲
Trade debts44€1.76M€1.73M▼
Suppliers440/4€1.76M€1.73M▼
Taxes, remuneration and social security45€167k€208k▲
Taxes450/3€148k€188k▲
Remuneration and social security454/9€19k€20k▲
Accrued charges and deferred income492/3€24k€21k▼
Income statement
Code20242025
Remuneration, social security and pensions62€154k€163k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€507€1k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€30k
Other operating charges640/8€1k€1k▲
Gross operating margin9900€198k€347k▲
Operating profit (loss)9901€43k€152k▲
Financial income75/76B€686k€675k▼
Recurring financial income75€686k€675k▼
Financial charges65/66B€717k€738k▲
Recurring financial charges65€717k€738k▲
Profit (loss) for the period before taxes9903€11k€89k▲
Income taxes67/77€4k€25k▲
Profit (loss) for the period9904€7k€63k▲
Profit (loss) for the period to be appropriated9905€7k€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€63k▲
Transfer from equity791/2€15k€15k▼
Transfer to equity691/2€7k€63k▲
To other reserves6921€7k€63k▲
Profit to be distributed694/7€15k€15k▼
Return on contributions (dividend)694€15k€15k▼
Social balance
Average headcount (FTE)90871.81.8=
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €117k | €140k | €154k | €163k | ▲ 5.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €1k | €642 | €507 | €1k | ▲ 157% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €30k | - |
| Other operating charges640/8 | - | €969 | €970 | €1k | €1k | ▲ 1.5% |
| Gross operating margin9900 | €154k | €129k | €197k | €198k | €347k | ▲ 75.2% |
| Operating profit (loss)9901 | €75k | €10k | €55k | €43k | €152k | ▲ 257% |
| Financial income75/76B | - | €785k | €725k | €686k | €675k | ▼ 1.6% |
| Recurring financial income75 | €710k | €785k | €725k | €686k | €675k | ▼ 1.6% |
| Financial charges65/66B | - | €791k | €743k | €717k | €738k | ▲ 3.0% |
| Recurring financial charges65 | €743k | €791k | €743k | €717k | €738k | ▲ 3.0% |
| Profit (loss) for the period before taxes9903 | €43k | €5k | €38k | €11k | €89k | ▲ 676% |
| Income taxes67/77 | €11k | €2k | €11k | €4k | €25k | ▲ 463% |
| Profit (loss) for the period9904 | €32k | €3k | €27k | €7k | €63k | ▲ 811% |
| Profit (loss) for the period to be appropriated9905 | €32k | €3k | €27k | €7k | €63k | ▲ 811% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.37M | €3.60M | €3.90M | €3.81M | €4.38M | ▲ 15.1% |
| Fixed assets21/28 | €37k | €49k | €55k | €57k | €69k | ▲ 20.8% |
| Intangible fixed assets21 | - | - | - | - | €10k | - |
| Tangible fixed assets22/27 | €1k | €1k | €935 | €428 | €113 | ▼ 73.6% |
| Furniture and vehicles24 | - | €1k | €935 | €428 | €113 | ▼ 73.6% |
| Financial fixed assets28 | €36k | €48k | €55k | €57k | €59k | ▲ 3.7% |
| Current assets29/58 | €3.34M | €3.55M | €3.84M | €3.75M | €4.31M | ▲ 15.0% |
| Stocks and contracts in progress3 | €1.53M | €1.76M | €2.22M | €2.23M | €1.86M | ▼ 16.6% |
| Stocks30/36 | - | €1.76M | €2.22M | €2.23M | €1.86M | ▼ 16.6% |
| Amounts receivable within one year40/41 | €1.43M | €1.10M | €1.40M | €1.41M | €1.74M | ▲ 23.4% |
| Trade receivables40 | - | €1.05M | €1.36M | €1.37M | €1.71M | ▲ 25.2% |
| Other amounts receivable41 | - | €55k | €43k | €46k | €34k | ▼ 27.2% |
| Cash at bank and in hand54/58 | €349k | €648k | €196k | €78k | €691k | ▲ 786% |
| Deferred charges and accrued income490/1 | - | €35k | €23k | €33k | €21k | ▼ 35.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.37M | €3.60M | €3.90M | €3.81M | €4.38M | ▲ 15.1% |
| Equity10/15 | €1.16M | €1.16M | €1.14M | €1.15M | €1.17M | ▲ 1.2% |
| Contributions10/11 | - | €766k | €732k | €758k | €723k | ▼ 4.6% |
| Reserves13 | €389k | €392k | €405k | €397k | €445k | ▲ 12.2% |
| Non-distributable reserves130/1 | - | €20k | €19k | - | - | - |
| Reserves not available under the articles1311 | - | €20k | €19k | - | - | - |
| Distributable reserves133 | - | €373k | €386k | €397k | €445k | ▲ 12.2% |
| Amounts payable17/49 | €2.22M | €2.44M | €2.76M | €2.65M | €3.21M | ▲ 21.2% |
| Amounts payable within one year42/48 | €2.20M | €2.42M | €2.74M | €2.63M | €3.19M | ▲ 21.5% |
| Financial debts43 | - | €500k | €500k | €700k | €1.25M | ▲ 78.6% |
| Credit institutions430/8 | - | €500k | €500k | €700k | €1.25M | ▲ 78.6% |
| Trade debts44 | €2.10M | €1.82M | €2.12M | €1.76M | €1.73M | ▼ 1.5% |
| Suppliers440/4 | - | €1.82M | €2.12M | €1.76M | €1.73M | ▼ 1.5% |
| Taxes, remuneration and social security45 | - | €99k | €129k | €167k | €208k | ▲ 24.7% |
| Taxes450/3 | - | €84k | €111k | €148k | €188k | ▲ 27.2% |
| Remuneration and social security454/9 | - | €15k | €18k | €19k | €20k | ▲ 5.9% |
| Accrued charges and deferred income492/3 | - | €21k | €18k | €24k | €21k | ▼ 13.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €32k | €3k | €27k | €7k | €63k | ▲ 811% |
| + Depreciation and write-downs630 | €1k | €1k | €642 | €507 | €1k | ▲ 157% |
| Operating cash flow (approximation) | €33k | €4k | €28k | €7k | €65k | ▲ 767% |
| Investment in fixed assets (approximation) | - | €-13k | €-7k | €-2k | €-13k | ▼ 451% |
| Change in cash | - | €299k | €-452k | €-117k | €613k | ▲ 622% |
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
Next filing, fiscal year 2026, expected by
2025
14-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Highest result since 2019net €63k ▲811%
Operating result €152k, net result €63k, both a record.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 96 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
2019
10-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
04-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
30-09
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.
0 of 12 acts read
About the unread acts
We know of 12 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
12 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, Bornem · 1 establishment unit since 2006
Ground area
2.7 ha
Building footprint
1.6 ha
Parcel 12007C0455/00H000, Flanders. Linked by address, not a title deed.
1 establishment unit
UNI-MAT
since 20062.153.863.917
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12007C0455/00H000 | Flanders | 2.7 ha | 1 · 1.6 ha | - |
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 48 EUR awarded · 48 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 48 EUR | 48 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,136 companies in sector 46130 we hold annual accounts for 646. 323 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formCooperative company
Founded29-03-2006
Fiscal year end31-03
Activities, NACEBEL 2025
46130Agents in the wholesale of timber and building materials
46831Wholesale of construction materials, general range
Scores and ratios are computed by Checked and are not a credit decision.