Unibra
ActiveUnibra 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 €91.28M and a net result of €551k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 71% of 2384 sector peers (fiscal year 2025). The company has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 29-06-2026, 32 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
32 d early
2024
31 d early
2023
47 d early
2022
32 d early
2021
46 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema, statutory
Equity
€91.28M▼ 5.1%
2024 · €96.23M
2018: €101.96M
2019: €102.80M
2020: €103.08M
2021: €103.00M
2022: €100.27M
2023: €101.63M
2024: €96.23M
2018 → 2025
Net result
€551k▲ 47.5%
2024 · €374k
2018: €20.39M
2019: €1.35M
2020: €1.28M
2021: €927k
2022: €1.68M
2023: €3.89M
2024: €374k
2018 → 2025
Total assets
€109.49M▼ 6.7%
2024 · €117.34M
2018: €115.12M
2019: €113.61M
2020: €109.77M
2021: €111.24M
2022: €111.81M
2023: €116.17M
2024: €117.34M
2018 → 2025
Solvency
83.4%▲ 1.4pp
2024 · 82.0%
2018: 88.6%
2019: 90.5%
2020: 93.9%
2021: 92.6%
2022: 89.7%
2023: 87.5%
2024: 82.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€3.21M-€3.84M▲ 19.6%€3.08M▼ 19.6%€3.27M▲ 6.1%€3.67M▲ 12.2%
Equity€103.00M-€100.27M▼ 2.7%€101.63M▲ 1.4%€96.23M▼ 5.3%€91.28M▼ 5.1%
Operating result€-380k-€637k€-414k€-94k▲ 77.2%€61k
Net result€927k-€1.68M▲ 80.8%€3.89M▲ 132%€374k▼ 90.4%€551k▲ 47.5%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €61k after a loss of €94k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €109.49M
Fixed assets
€82.90M▼ 0.3%
Current assets
€26.60M▼ 22.2%
Equity and liabilities €109.49M
Equity
€91.28M▼ 5.1%
Provisions
€11k=
Debt
€18.20M▼ 13.7%
The debt ratio falls from 18.0% to 16.6%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
83.4%▲
2024 · 82.0%
ROE
0.6%▲
2024 · 0.4%
ROA
0.5%▲
2024 · 0.3%
Debt
€18.20M▼
2024 · €21.09M
Debt ≤ 1 year
€18.09M▼
2024 · €20.97M
Income taxes
€8k▼
2024 · €320k
Staff costs
€872k▲
2024 · €642k
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€117.34M€109.49M▼
Fixed assets21/28€83.14M€82.90M▼
Tangible fixed assets22/27€655k€695k▲
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€54k€108k▲
Other tangible fixed assets26€597k€585k▼
Financial fixed assets28€82.48M€82.20M▼
Affiliated companies280/1€74.91M€74.90M=
Participating interests280€74.91M€74.90M=
Companies linked by participating interests282/3€1€1=
Participating interests282€1€1=
Other financial fixed assets284/8€7.57M€7.30M▼
Shares284€7.56M€7.27M▼
Amounts receivable and cash guarantees285/8€12k€27k▲
Current assets29/58€34.20M€26.60M▼
Amounts receivable within one year40/41€25.18M€19.16M▼
Trade receivables40€9.60M€7.65M▼
Other amounts receivable41€15.58M€11.51M▼
Current investments50/53€7.26M€498k▼
Other investments51/53€7.26M€498k▼
Cash at bank and in hand54/58€1.70M€6.80M▲
Deferred charges and accrued income490/1€58k€147k▲
Equity and liabilities
Total equity and liabilities10/49€117.34M€109.49M▼
Equity10/15€96.23M€91.28M▼
Contributions10/11€16.00M€16.00M=
Capital10€16.00M€16.00M=
Issued capital100€16.00M€16.00M=
Reserves13€34.00M€34.00M=
Non-distributable reserves130/1€2.00M€2.00M=
Legal reserve130€1.60M€1.60M=
Reserves not available under the articles1311€401k€401k=
Distributable reserves133€32.00M€32.00M=
Profit (loss) carried forward14€46.23M€41.28M▼
Provisions and deferred taxes16€11k€11k=
Provisions for liabilities and charges160/5€11k€11k=
Pensions and similar obligations160€11k€11k=
Amounts payable17/49€21.09M€18.20M▼
Amounts payable within one year42/48€20.97M€18.09M▼
Trade debts44€634k€883k▲
Suppliers440/4€634k€883k▲
Taxes, remuneration and social security45€480k€153k▼
Taxes450/3€407k€42k▼
Remuneration and social security454/9€73k€111k▲
Other amounts payable47/48€19.85M€17.05M▼
Accrued charges and deferred income492/3€126k€113k▼
Income statement
Code20242025
Operating income70/76A€3.28M€3.69M▲
Turnover70€3.27M€3.67M▲
Other operating income74€6k€18k▲
Operating charges60/66A€3.37M€3.63M▲
Services and other goods61€2.38M€2.60M▲
Remuneration, social security and pensions62€642k€872k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€110k€111k▲
Other operating charges640/8€107k€45k▼
Non-recurring operating charges66A€133k€4k▼
Operating profit (loss)9901€-94k€61k▲
Financial income75/76B€1.23M€1.70M▲
Recurring financial income75€1.18M€1.70M▲
Income from financial fixed assets750€154k€1.21M▲
Income from current assets751€583k€375k▼
Other financial income752/9€442k€113k▼
Non-recurring financial income76B€53k-
Financial charges65/66B€444k€1.20M▲
Recurring financial charges65€305k€495k▲
Debt charges650€189k€240k▲
Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651€26k€-60k▼
Other financial charges652/9€90k€315k▲
Non-recurring financial charges66B€139k€703k▲
Profit (loss) for the period before taxes9903€694k€559k▼
Income taxes67/77€320k€8k▼
Taxes670/3€320k€121k▼
Tax adjustments and reversals of tax provisions77-€113k
Profit (loss) for the period9904€374k€551k▲
Profit (loss) for the period to be appropriated9905€374k€551k▲
Appropriation of the result
Profit (loss) to be appropriated9906€52.01M€46.78M▼
Profit (loss) brought forward from the previous period14P€51.63M€46.23M▼
Profit to be distributed694/7€5.77M€5.50M▼
Return on contributions (dividend)694€5.77M€5.50M▼
Social balance
Average headcount (FTE)90877.49.8▲
The notes to these accounts (59 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · consolidated
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · consolidated
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €374k ▼90.4%
Net result drops to €374k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · consolidated
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-12
NBB filing
Annual accounts filed
fiscal year 2022 · consolidated
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · consolidated
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
48 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, Watermaal-Bosvoorde · 1 establishment unit since 1960
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.
Vorstlaan 251170 Watermaal-BosvoordeGround area
8.3 ha
Building footprint
1.3 ha
Volume, LiDAR
184,450 m³
Parcel 21652E0905/00H000, Brussels · tallest building 51.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
UNIBRA
since 19602.006.792.913
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0905/00H000 | Brussels | 8.3 ha | 1 · 1.3 ha | 51.0 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Structure & network
Group per the LEI register
7 subsidiaries, 1 abroadSubsidiary:Commerce 123
Subsidiary:Rive Droite
Subsidiary:ROYALE 67
Subsidiary:TERRE A TERRE
Subsidiary:Terrebois
Subsidiary:Triomphe 174
Subsidiary:Compagnie Internationale De Participation Et D'Investissement
Recognitions · licences · registrations
Legal Entity Identifier
549300THZX01IQK46T94
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 1,896 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-01-1968
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
65234
Sources
Crossroads Bank for EnterprisesNational Bank · 69 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
General meetings
2 convocationsOrdinary general meeting
Agenda
1. Rapport de gestion du Conseil d’Administration sur l’exercice 2009. 2. Rapport du Commissaire sur l’exercice 2009. 3. Communication des comptes annuels consolidés au 31.12.2009. 4. Proposition d’approuver les comptes annuels arrêtés au 31 décem- bre 2009, en ce compris l’affectation du résultat et la distribution d’un dividende net de S 1,20 par action. 5. Proposition de donner décharge aux Administrateurs
Ordinary general meeting
Agenda
1. Rapport de gestion du Conseil d’Administration sur l’exercice 2007. 2. Rapport du Commissaire sur l’exercice 2007. 3. Communication des comptes annuels consolidés au 31.12.2007. 4. Proposition d’approuver les comptes annuels arrêtés au 31 décem- bre 2007, en ce compris l’affectation du résultat et la distribution d’un dividende net de S 1,20 par action. 5. Proposition de donner décharge aux administrateurs