UNI4
ActiveSummary
UNI4 has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €132. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 90% of 2053 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability69=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 9.49 against 10.17 in 2024; short-term debt: 10.5% and cash: 1.1% of total assets), and 10.5% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% fewer 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
89.5%
Return on assets
0.4%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2022
32 d late
2021
100 d late
2020
61 d late
2019
73 d late
2018
82 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€132▲ 3,069%
2024 · €4
Working capital
€29k▲ 5.3%
2024 · €28k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220242025
Operating result€978▼ 70.2%€8k▲ 753%€-59€55-€185▲ 235%
Net result€504▼ 77.2%€8k▲ 1,524%€-59€4-€132▲ 3,069%
Equity€21k▲ 2.5%€29k▲ 39.5%€29k▼ 0.2%€29k-€29k▲ 0.5%
Total assets€28k=€38k▲ 34.5%€29k▼ 21.6%€32k-€33k▲ 1.7%
Debt€7k▼ 6.6%€9k▲ 20.2%€610▼ 93.0%€3k-€3k▲ 13.8%
Working capital€19k▼ 4.5%€26k▲ 37.6%€27k▲ 5.7%€28k-€29k▲ 5.3%
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 235% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €33k
Equity
€29k ▲ 0.5%
Debt
€3k ▲ 13.8%
Debt's share of the balance-sheet total rises from 9.4% to 10.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€2k▼
2024 · €2k
Cash flow
€1k▼
2024 · €2k
Current ratio
9.49▼
2024 · 10.17
Debt to equity
0.12▲
2024 · 0.10
ROE
0.5%▲
2024 · 0.0%
ROA
0.4%▲
2024 · 0.0%
Interest coverage
28.89▼
2024 · 43.01
Debt ≤ 1 year
€3k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €989 | €2k | €2k | €2k | €1k | ▼ 37.3% |
| Other operating charges640/8 | - | €348 | €584 | €387 | €319 | ▼ 17.7% |
| Gross operating margin9900 | €2k | €10k | €2k | €3k | €2k | ▼ 28.5% |
| Operating profit (loss)9901 | €978 | €8k | €-59 | €55 | €185 | ▲ 235% |
| Financial charges65/66B | - | €50 | - | €51 | €53 | ▲ 3.5% |
| Recurring financial charges65 | €52 | €50 | - | €51 | €53 | ▲ 3.5% |
| Profit (loss) for the period before taxes9903 | €926 | €8k | €-59 | €4 | €132 | ▲ 3,069% |
| Income taxes67/77 | €422 | €120 | €0 | - | - | - |
| Profit (loss) for the period9904 | €504 | €8k | €-59 | €4 | €132 | ▲ 3,069% |
| Profit (loss) for the period to be appropriated9905 | €504 | €8k | €-59 | €4 | €132 | ▲ 3,069% |
| Line | 2020 | 2021 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €28k | €38k | €29k | €32k | €33k | ▲ 1.7% |
| Formation expenses20 | €590 | €295 | - | €808 | - | - |
| Fixed assets21/28 | €1k | €3k | €2k | €531 | - | - |
| Tangible fixed assets22/27 | €1k | €3k | €2k | €531 | - | - |
| Furniture and vehicles24 | - | €3k | €2k | €531 | - | - |
| Current assets29/58 | €26k | €34k | €28k | €31k | €33k | ▲ 6.1% |
| Amounts receivable within one year40/41 | €7k | €19k | €15k | €26k | €29k | ▲ 9.9% |
| Trade receivables40 | - | €17k | €14k | €26k | €28k | ▲ 7.2% |
| Other amounts receivable41 | - | €2k | €510 | - | €711 | - |
| Current investments50/53 | - | - | - | €32 | - | - |
| Cash at bank and in hand54/58 | €18k | €15k | €13k | - | €352 | - |
| Deferred charges and accrued income490/1 | - | - | - | €5k | €4k | ▼ 20.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €28k | €38k | €29k | €32k | €33k | ▲ 1.7% |
| Equity10/15 | €21k | €29k | €29k | €29k | €29k | ▲ 0.5% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Capital10 | - | €19k | €19k | - | - | - |
| Issued capital100 | - | €19k | €19k | - | - | - |
| Reserves13 | €356 | €356 | €356 | €356 | €356 | = |
| Non-distributable reserves130/1 | - | €356 | €356 | €356 | €356 | = |
| Legal reserve130 | - | €356 | €356 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €356 | €356 | = |
| Profit (loss) carried forward14 | €2k | €10k | €10k | €10k | €10k | ▲ 1.3% |
| Amounts payable17/49 | €7k | €9k | €610 | €3k | €3k | ▲ 13.8% |
| Amounts payable within one year42/48 | €7k | €9k | €610 | €3k | €3k | ▲ 13.8% |
| Trade debts44 | €6k | €8k | €374 | €2k | €3k | ▲ 63.2% |
| Suppliers440/4 | - | €8k | €374 | €2k | €3k | ▲ 63.2% |
| Taxes, remuneration and social security45 | - | - | - | €815 | €185 | ▼ 77.3% |
| Taxes450/3 | - | - | - | €815 | €185 | ▼ 77.3% |
| Other amounts payable47/48 | - | €236 | €236 | €563 | €563 | = |
| Line | 2020 | 2021 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €504 | €8k | €-59 | €4 | €132 | ▲ 3,069% |
| + Depreciation and write-downs630 | €989 | €2k | €2k | €2k | €1k | ▼ 37.3% |
| Operating cash flow (approximation) | €1k | €10k | €1k | €2k | €1k | ▼ 31.3% |
| Investment in fixed assets (approximation) | - | €-3k | €-295 | - | - | - |
| Change in cash | - | €-3k | €-2k | - | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 31 days late
2024
31-12
Financial
Back to profitnet €4
Net result €4 after one loss-making year.
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Liquidity times 11current ratio 45.65
Current ratio from 3.97 to 45.65; short-term debt falls from €9k to €610.
08-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 100 days late
2021
31-12
Financial
Highest result since 2018net €8k ▲1,524%
Operating result €8k, net result €8k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
12-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 73 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
21-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 82 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Tubize · 1 establishment unit since 2018
Ground area
2,445 m²
Building footprint
323 m²
Volume, LiDAR
2,557 m³
2 parcels, Wallonia · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
13
companies at this address
See who is registered here
1 establishment unit
UNI4
since 20182.272.759.389
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25019B0229/00F022 | Wallonia | 1,529 m² | 1 · 198 m² | 12.2 m · 3 fl. |
| 25394E0147/00N002 | Wallonia | 916 m² | 1 · 124 m² | 8.1 m · 2 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 1,038 companies in sector 85531 we hold annual accounts for 347. 263 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
Founded02-02-2018
Fiscal year end31-12
Activities, NACEBEL 2025
85531Driving schools for cars and motorcycles
Contact
Website
www.uni4.be
E-mail
info@uni4.be
Scores and ratios are computed by Checked and are not a credit decision.