UNI-RAIL
ActiveUNI-RAIL has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.23M and a net result of €25k. Equity is growing by ~23.5% per year across the filed fiscal years. Its solvency ranks better than 20% of 397 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▼-12
Solvency43▲+3
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity tight (current ratio 1.19 against 1.2 in 2024; short-term debt: 40.8% and cash: 7.1% of total assets), and 82.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+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 dateAge against the risk zone
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
17.8%
Return on assets
0.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 42
Relative position
BE, all sectors
reference
Sector 42
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 397 sector peers (2025).
NBB · sector comparisonPosition among 397 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 filingsDeviation from the deadline
2025
26 d late
2024
77 d early
2023
30 d late
2022
144 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€25k▼ 93.6%
2024 · €385k
2022: €359k
2023: €158k
2024: €385k
2022 → 2025
Working capital
€540k▼ 14.2%
2024 · €630k
2022: €594k
2023: €500k
2024: €630k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€659k-€817k▲ 24.0%€1.20M▲ 47.2%€1.23M▲ 2.1%
Operating result€426k-€242k▼ 43.1%€680k▲ 181%€275k▼ 59.5%
Net result€359k-€158k▼ 55.9%€385k▲ 144%€25k▼ 93.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 60% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.89M
Fixed assets
€3.54M▼ 16.0%
Current assets
€3.35M▼ 11.1%
Equity and liabilities €6.89M
Equity
€1.23M▲ 2.1%
Debt
€5.66M▼ 16.5%
The debt ratio falls from 84.9% to 82.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.17M▼
2024 · €1.43M
Cash flow
€924k▼
2024 · €1.13M
Solvency
17.8%▲
2024 · 15.1%
Current ratio
1.19▼
2024 · 1.20
Quick ratio
1.19▼
2024 · 1.20
Debt / equity
4.61▼
2024 · 5.64
ROE
2.0%▼
2024 · 32.0%
ROA
0.4%▼
2024 · 4.8%
Interest coverage
4.78▼
2024 · 5.58
Debt
€5.66M▼
2024 · €6.78M
Debt ≤ 1 year
€2.81M▼
2024 · €3.14M
Debt > 1 year
€2.85M▼
2024 · €3.64M
Income taxes
€7k▼
2024 · €39k
Staff costs
€1.42M▲
2024 · €1.00M
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€7.98M€6.89M▼
Fixed assets21/28€4.21M€3.54M▼
Tangible fixed assets22/27€4.21M€3.53M▼
Plant, machinery and equipment23€320k€229k▼
Furniture and vehicles24€60k€135k▲
Leasing and similar rights25€3.83M€3.17M▼
Financial fixed assets28€6k€6k=
Current assets29/58€3.77M€3.35M▼
Amounts receivable within one year40/41€3.50M€2.85M▼
Trade receivables40€3.36M€2.60M▼
Other amounts receivable41€140k€251k▲
Cash at bank and in hand54/58€249k€489k▲
Deferred charges and accrued income490/1€12k€7k▼
Equity and liabilities
Total equity and liabilities10/49€7.98M€6.89M▼
Equity10/15€1.20M€1.23M▲
Contributions10/11€300k€300k=
Profit (loss) carried forward14€902k€927k▲
Amounts payable17/49€6.78M€5.66M▼
Amounts payable after more than one year17€3.64M€2.85M▼
Financial debts170/4€3.64M€2.85M▼
Amounts payable within one year42/48€3.14M€2.81M▼
Current portion of amounts payable after more than one year42€852k€923k▲
Financial debts43€200k€556k▲
Credit institutions430/8€200k€556k▲
Trade debts44€2.03M€1.25M▼
Suppliers440/4€2.03M€1.25M▼
Taxes, remuneration and social security45€53k€73k▲
Taxes450/3€5k€5k=
Remuneration and social security454/9€48k€68k▲
Income statement
Code20242025
Remuneration, social security and pensions62€1.00M€1.42M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€749k€899k▲
Other operating charges640/8€3k€5k▲
Non-recurring operating charges66A€6k€5k▼
Gross operating margin9900€2.44M€2.60M▲
Operating profit (loss)9901€680k€275k▼
Financial income75/76B€82€2k▲
Recurring financial income75€82€553▲
Non-recurring financial income76B€0€2k▲
Financial charges65/66B€256k€246k▼
Recurring financial charges65€256k€246k▼
Profit (loss) for the period before taxes9903€424k€32k▼
Income taxes67/77€39k€7k▼
Profit (loss) for the period9904€385k€25k▼
Profit (loss) for the period to be appropriated9905€385k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€902k€927k▲
Profit (loss) brought forward from the previous period14P€517k€902k▲
Social balance
Average headcount (FTE)908712.517.5▲
The notes to these accounts (20 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
31-12
Financial
Weakest financial yearnet €25k ▼93.6%
Net result drops to €25k, the lowest in the series.
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2022net €385k ▲144%
Operating result €680k, net result €385k, both a record.
31-12
Financial
Equity above €1MEq €1.20M ▲47.2%
3 profitable years in a row build equity to €1.20M.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
09-03
NBB filing
Annual accounts filed
fiscal year 2022 · full 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, Manage · 1 establishment unit since 2022
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.
Drève de la Courte au Bois 57170 ManageGround area
624 m²
Building footprint
119 m²
Volume, LiDAR
925 m³
Parcel 25040A0012/00Y023, Wallonia · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
UNI-RAIL
since 20222.329.117.181
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25040A0012/00Y023 | Wallonia | 624 m² | 1 · 119 m² | 9.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
12 categoriesUNI-RAIL SRL42103
Similar companies · same sector, comparable size
BEDAGRO
BE 0545.955.095
Pajottegem · Eq €1.11M
RAILCONSTRUCT
BE 0422.844.972
Anderlues · Eq €1.36M
MIRMIL
BE 0463.340.987
Ninove · Eq €1.08M
VAN LEMBERGEN INFRA
BE 0632.585.302
Opwijk · Eq €998k
GENIUS DEL NOLO
BE 0429.288.148
Oostende · Eq €931k
Of 169 companies in sector 42120 we hold annual accounts for 68. 36 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-03-2022
Fiscal year end31-12
Activities, NACEBEL
42120Civil engineering
42110Construction of roads and motorways
42130Civil engineering
42212Civil engineering
43130Specialised construction activities
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.