Unibo
ActiveUnibo has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €224k and a net result of €22k. Equity is growing by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 73% of 2176 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76=
Solvency86▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 1.74 against 1.3 in 2024; short-term debt: 34.2% and cash: 8% of total assets), and 38.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
61.2%
Return on assets
5.9%
Age of the figures
9 mo
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 20-07-2026, 11 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
11 d early
2024
61 d late
2023
30 d late
2022
60 d late
2021
27 d early
2020
24 d early
2019
29 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€224k▲ 10.7%
2024 · €202k
2018: €98k
2019: €105k
2020: €116k
2021: €120k
2022: €125k
2023: €179k
2024: €202k
2018 → 2025
Total assets
€366k▼ 6.6%
2024 · €392k
2018: €651k
2019: €613k
2020: €654k
2021: €521k
2022: €684k
2023: €406k
2024: €392k
2018 → 2025
Net result
€22k▼ 5.6%
2024 · €23k
2018: €9k
2019: €7k
2020: €10k
2021: €5k
2022: €4k
2023: €54k
2024: €23k
2018 → 2025
Working capital
€92k▲ 129%
2024 · €40k
2018: €-1k
2019: €-54k
2020: €-44k
2021: €-34k
2022: €-200k
2023: €-19k
2024: €40k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€120k-€125k▲ 3.6%€179k▲ 43.6%€202k▲ 12.8%€224k▲ 10.7%
Operating result€21k-€27k▲ 32.2%€67k▲ 147%€38k▼ 42.9%€34k▼ 10.0%
Net result€5k-€4k▼ 10.2%€54k▲ 1,153%€23k▼ 57.7%€22k▼ 5.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €366k
Fixed assets
€148k▼ 31.5%
Current assets
€217k▲ 24.2%
Equity and liabilities €366k
Equity
€224k▲ 10.7%
Debt
€142k▼ 25.2%
The debt ratio falls from 48.4% to 38.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€64k▼
2024 · €92k
Cash flow
€52k▼
2024 · €76k
Solvency
61.2%▲
2024 · 51.6%
Current ratio
1.74▲
2024 · 1.30
Quick ratio
1.74▲
2024 · 1.30
Debt / equity
0.63▼
2024 · 0.94
ROE
9.7%▼
2024 · 11.4%
ROA
5.9%▲
2024 · 5.9%
Interest coverage
15.14▲
2024 · 14.01
Debt
€142k▼
2024 · €189k
Debt ≤ 1 year
€125k▼
2024 · €135k
Debt > 1 year
€14k▼
2024 · €50k
Income taxes
€8k▼
2024 · €9k
Staff costs
€49k▼
2024 · €66k
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€392k€366k▼
Fixed assets21/28€217k€148k▼
Tangible fixed assets22/27€213k€145k▼
Plant, machinery and equipment23€69k€14k▼
Furniture and vehicles24€1k€7k▲
Leasing and similar rights25€143k€124k▼
Financial fixed assets28€4k€4k=
Current assets29/58€175k€217k▲
Amounts receivable within one year40/41€144k€186k▲
Trade receivables40€125k€158k▲
Other amounts receivable41€18k€28k▲
Cash at bank and in hand54/58€25k€29k▲
Deferred charges and accrued income490/1€6k€2k▼
Equity and liabilities
Total equity and liabilities10/49€392k€366k▼
Equity10/15€202k€224k▲
Contributions10/11€19k€19k=
Reserves13€184k€205k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€163k€185k▲
Amounts payable17/49€189k€142k▼
Amounts payable after more than one year17€50k€14k▼
Financial debts170/4€50k€14k▼
Amounts payable within one year42/48€135k€125k▼
Current portion of amounts payable after more than one year42€35k€36k▲
Trade debts44€93k€83k▼
Suppliers440/4€93k€83k▼
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€4k€3k▼
Remuneration and social security454/9€3k€3k▲
Accrued charges and deferred income492/3€5k€3k▼
Income statement
Code20242025
Non-recurring operating income76A-€3k
Remuneration, social security and pensions62€66k€49k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€30k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A-€39k
Gross operating margin9900€159k€154k▼
Operating profit (loss)9901€38k€34k▼
Financial income75/76B€11-
Recurring financial income75€11-
Financial charges65/66B€7k€4k▼
Recurring financial charges65€7k€4k▼
Profit (loss) for the period before taxes9903€32k€30k▼
Income taxes67/77€9k€8k▼
Profit (loss) for the period9904€23k€22k▼
Profit (loss) for the period to be appropriated9905€23k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€22k▼
Transfer to equity691/2€23k€22k▼
To other reserves6921€23k€22k▼
Social balance
Average headcount (FTE)90871.11.0▼
The notes to these accounts (18 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
31-12
Financial
Equity above €200kEq €202k ▲12.8%
7 profitable years in a row build equity to €202k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €54k ▲1153%
Operating result €67k, net result €54k, both a record.
31-12
Financial
Equity above €150kEq €179k ▲43.6%
6 profitable years in a row build equity to €179k.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
31-12
Financial
Weakest financial yearnet €4k ▼10.2%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €100kEq €105k ▲6.9%
2 profitable years in a row build equity to €105k.
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
09-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Izegem · 1 establishment unit since 2016
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.
Schardouwstraat 318870 IzegemGround area
1.1 ha
Building footprint
6,694 m²
Volume, LiDAR
44,709 m³
Parcel 36494D0285/00H000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Unibo
since 20162.261.540.746
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36494D0285/00H000 | Flanders | 1.1 ha | 1 · 6,694 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 · 628 EUR awarded · 628 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 628 EUR | 628 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,452 companies in sector 41003 we hold annual accounts for 1,055. 707 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-2016
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.