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UNI4SE

Active Risk: not assessed
Private limited companyfounded 20215 yrs activeRue de la Buse 7, 4950 Waimes, BelgiumKBO/BCE: BE 0769.823.177
Summary

UNI4SE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €12.4m and a net result of -€85,093. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 61% of 5587 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals

Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
22232425
2022 to 2025 · latest year €12.4m
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
2 d early
2024
3 d early
2023
30 d late
2022
67 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 23 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.

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 months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 17 June 2021, UNI4SE was incorporated as a Private limited company.1 Total assets went from EUR 9.6 million in 2022 to EUR 20 million in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2025

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Financials · fiscal year 2025, abbreviated schema

Equity
€12.4m▲ 757%
2024 · €1.4m
Net result
-€85,093▼ 1.7%
2024 · -€83,680
Total assets
€19.6m▲ 128%
2024 · €8.6m
Solvency
63.3%▲ 46.5pp
2024 · 16.8%
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Line2022202320242025
Operating result€119,833-€26,747▼ 77.7%€14,393▼ 46.2%€12,973▼ 9.9%
Net result-€28,480below the sector's middle half--€441,263below the sector's middle half▼ 1,449%-€83,680below the sector's middle half▲ 81.0%-€85,093below the sector's middle half▼ 1.7%
Equity€2.0mwithin the sector's middle half-€1.5mwithin the sector's middle half▼ 22.4%€1.4mwithin the sector's middle half▼ 5.5%€12.4mabove the sector's middle half▲ 757%
Total assets€9.6mwithin the sector's middle half-€8.7mwithin the sector's middle half▼ 9.6%€8.6mwithin the sector's middle half▼ 0.9%€19.6mabove the sector's middle half▲ 128%
Debt€7.6m-€7.1m▼ 6.3%€7.1m=€7.2m▲ 0.5%
Working capital€757,438within the sector's middle half-€338,647within the sector's middle half▼ 55.3%€254,966within the sector's middle half▼ 24.7%€169,873within the sector's middle half▼ 33.4%
Solvency20.6%below the sector's middle half-17.6%below the sector's middle half▼ 2.9pp16.8%below the sector's middle half▼ 0.8pp63.3%within the sector's middle half▲ 46.5pp
Current ratio7.20above the sector's middle half-3.37above the sector's middle half▼ 3.842.74within the sector's middle half▼ 0.621.95within the sector's middle half▼ 0.80
Return on assets (ROA)-0.3%below the sector's middle half--5.1%below the sector's middle half▼ 4.8pp-1.0%below the sector's middle half▲ 4.1pp-0.4%below the sector's middle half▲ 0.5pp
Staff (FTE)0below the sector's middle half-0below the sector's middle half0below the sector's middle half0within the sector's middle half
above within below the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
-€600,000-€400,000-€200,000€0€200,000Operating result 2022: €119,833€119,833Net result 2022: -€28,480-€28,480Operating result 2023: €26,747€26,747Net result 2023: -€441,263-€441,263Operating result 2024: €14,393€14,393Net result 2024: -€83,680-€83,680Operating result 2025: €12,973€12,973Net result 2025: -€85,093-€85,0932022202320242025-€600,000-€400,000-€200,000€0Operating result 2023: €26,747€26,700Net result 2023: -€441,263-€441,000Operating result 2024: €14,393€14,400Net result 2024: -€83,680-€83,700Operating result 2025: €12,973€13,000Net result 2025: -€85,093-€85,100202320242025
The operating result has fallen three years in a row; 2025 is 10% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19.6m
Fixed assets €19.2m ▲ 135%
Current assets €349,434 ▼ 12.9%
Equity and liabilities €19.6m
Equity €12.4m ▲ 757%
Debt €7.2m ▲ 0.5%
Debt's share of the balance-sheet total falls from 83.2% to 36.7%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
ROE
-0.7%▲
2024 · -5.8%
Debt ≤ 1 year
€179,561▲
2024 · €146,226
Debt > 1 year
€7.0m=
2024 · €7.0m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 34 lines
Balance sheet Code20242025
Assets
Total assets20/58€8.6m€19.6m▲
Fixed assets21/28€8.2m€19.2m▲
Financial fixed assets28€8.2m€19.2m▲
Current assets29/58€401,192€349,434▼
Amounts receivable within one year40/41€174,689€273,559▲
Trade receivables40€174,689€273,559▲
Cash at bank and in hand54/58€226,503€75,875▼
Equity and liabilities
Total equity and liabilities10/49€8.6m€19.6m▲
Equity10/15€1.4m€12.4m▲
Contributions10/11€2.0m€2.0m=
Revaluation surpluses12-€11.0m
Profit (loss) carried forward14-€553,424-€638,517▼
Amounts payable17/49€7.1m€7.2m▲
Amounts payable after more than one year17€7.0m€7.0m=
Financial debts170/4€7.0m€7.0m=
Amounts payable within one year42/48€146,226€179,561▲
Trade debts44€145,304€178,860▲
Suppliers440/4€145,304€178,860▲
Taxes, remuneration and social security45€922€701▼
Taxes450/3€922€701▼
Income statement Code20242025
Other operating charges640/8€1,453€998▼
Gross operating margin9900€15,846€13,972▼
Operating profit (loss)9901€14,393€12,973▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€98,074€98,066=
Recurring financial charges65€98,074€98,066=
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903-€83,680-€85,093▼
Profit (loss) for the period9904-€83,680-€85,093▼
Profit (loss) for the period to be appropriated9905-€83,680-€85,093▼
Appropriation of the result
Profit (loss) to be appropriated9906-€553,424-€638,517▼
Profit (loss) brought forward from the previous period14P-€469,743-€553,424▼
Social balance
Average headcount (FTE)90870.00.0=

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2022202320242025Change
Other operating charges640/8€790€627€1,453€998▼ 31.3%
Gross operating margin9900€120,622€27,374€15,846€13,972▼ 11.8%
Operating profit (loss)9901€119,833€26,747€14,393€12,973▼ 9.9%
Financial income75/76B-€2,531€0--
Recurring financial income75-€2,531€0--
Financial charges65/66B€148,313€470,541€98,074€98,066=
Recurring financial charges65€148,313€98,069€98,074€98,066=
Non-recurring financial charges66B-€372,472€0--
Profit (loss) for the period before taxes9903-€28,480-€441,263-€83,680-€85,093▼ 1.7%
Profit (loss) for the period9904-€28,480-€441,263-€83,680-€85,093▼ 1.7%
Profit (loss) for the period to be appropriated9905-€28,480-€441,263-€83,680-€85,093▼ 1.7%
Line2022202320242025Change
Assets
Total assets20/58€9.6m€8.7m€8.6m€19.6m▲ 128%
Fixed assets21/28€8.7m€8.2m€8.2m€19.2m▲ 135%
Financial fixed assets28€8.7m€8.2m€8.2m€19.2m▲ 135%
Current assets29/58€879,550€481,755€401,192€349,434▼ 12.9%
Amounts receivable within one year40/41€147,225€199,881€174,689€273,559▲ 56.6%
Trade receivables40€147,225€199,881€174,689€273,559▲ 56.6%
Cash at bank and in hand54/58€732,325€281,874€226,503€75,875▼ 66.5%
Equity and liabilities
Total equity and liabilities10/49€9.6m€8.7m€8.6m€19.6m▲ 128%
Equity10/15€2.0m€1.5m€1.4m€12.4m▲ 757%
Contributions10/11€2.0m€2.0m€2.0m€2.0m=
Revaluation surpluses12---€11.0m-
Profit (loss) carried forward14-€28,480-€469,743-€553,424-€638,517▼ 15.4%
Amounts payable17/49€7.6m€7.1m€7.1m€7.2m▲ 0.5%
Amounts payable after more than one year17€7.5m€7.0m€7.0m€7.0m=
Financial debts170/4€7.5m€7.0m€7.0m€7.0m=
Amounts payable within one year42/48€122,112€143,108€146,226€179,561▲ 22.8%
Trade debts44€121,000€141,763€145,304€178,860▲ 23.1%
Suppliers440/4€121,000€141,763€145,304€178,860▲ 23.1%
Taxes, remuneration and social security45€1,112€1,346€922€701▼ 24.0%
Taxes450/3€1,112€1,346€922€701▼ 24.0%
Line2022202320242025Change
Profit (loss) for the period9904-€28,480-€441,263-€83,680-€85,093▼ 1.7%
Operating cash flow (approximation)-€28,480-€441,263-€83,680-€85,093▼ 1.7%
Investment in fixed assets (approximation)-€522,472€0-€11.0m-
Change in cash--€450,451-€55,371-€150,628▼ 172%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
29-07
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial Equity above €10mEq €12.4m ▲757%
Equity rises from €1.4m to €12.4m.
28-07
NBB filing Annual accounts filed
fiscal year 2024 · full schema
2024
30-08
NBB filing Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial Weakest financial yearnet -€441,263
Net result drops to -€441,263, the lowest in the series; recovery starts the following year.
06-10
NBB filing Annual accounts filed
fiscal year 2022 · full schema · 67 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 2 acts read
About the unread acts

Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not 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, Waimes · 1 establishment unit since 2021
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.

Rue de la Buse 74950 Waimes
1 establishment unit
UNI4SE
Rue de la Buse 7, 4950 WaimesHoldings
since 20212.318.532.996

Structure & network

Owners and holdings

1 holding · 3 subsidiaries in the tree

Owners 0

The accounts to 31-12-2025 list no shareholders, and no other source names one.

Holdings 1

All subsidiaries, including indirect ones 3

Companies in which this company or one of its subsidiaries holds more than half, or which it consolidates according to the LEI register.

According to the 2025 annual accounts of UNI4SE and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 5,441 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
Founded17-06-2021
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID 0208:0769823177
Registered 06-07-2021

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.