UNIBROW
ActiveUNIBROW 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 €3.99M and a net result of €-286k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 88% of 1457 sector peers (fiscal year 2025). The company has been active since 2005 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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
92 d late
2023
124 d late
2022
490 d late
2021
326 d late
2020
61 d late
2019
265 d late
← 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, abbreviated schema
Equity
€3.99M▼ 45.9%
2024 · €7.39M
2018: €5.91M
2019: €6.03M
2020: €6.24M
2021: €6.85M
2022: €7.18M
2023: €7.53M
2024: €7.39M
2018 → 2025
Net result
€-286k▼ 99.9%
2024 · €-143k
2018: €105k
2019: €119k
2020: €204k
2021: €1.86M
2022: €338k
2023: €349k
2024: €-143k
2018 → 2025
Total assets
€4.60M▼ 41.7%
2024 · €7.88M
2018: €6.91M
2019: €7.05M
2020: €6.89M
2021: €7.52M
2022: €7.83M
2023: €7.95M
2024: €7.88M
2018 → 2025
Solvency
86.9%▼ 6.9pp
2024 · 93.8%
2018: 85.6%
2019: 85.5%
2020: 90.5%
2021: 91.0%
2022: 91.8%
2023: 94.8%
2024: 93.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6.85M-€7.18M▲ 4.9%€7.53M▲ 4.9%€7.39M▼ 1.9%€3.99M▼ 45.9%
Operating result€236k-€167k▼ 29.1%€151k▼ 9.9%€150k▼ 0.3%€71k▼ 52.7%
Net result€1.86M-€338k▼ 81.8%€349k▲ 3.0%€-143k€-286k▼ 99.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 53% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.60M
Fixed assets
€2.54M▼ 6.4%
Current assets
€2.06M▼ 60.2%
Equity and liabilities €4.60M
Equity
€3.99M▼ 45.9%
Debt
€602k▲ 22.3%
The debt ratio rises from 6.2% to 13.1%: debt grows while equity shrinks.
Key figures and ratios
Solvency
86.9%▼
2024 · 93.8%
ROE
-7.2%▼
2024 · -1.9%
ROA
-6.2%▼
2024 · -1.8%
Debt
€602k▲
2024 · €492k
Debt ≤ 1 year
€382k▲
2024 · €148k
Debt > 1 year
€209k▼
2024 · €250k
Income taxes
€87k▲
2024 · €82k
Staff costs
€53k▲
2024 · €46k
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€7.88M€4.60M▼
Fixed assets21/28€2.71M€2.54M▼
Tangible fixed assets22/27€637k€562k▼
Land and buildings22€555k€511k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€16k€2k▼
Other tangible fixed assets26€66k€49k▼
Financial fixed assets28€2.07M€1.97M▼
Current assets29/58€5.17M€2.06M▼
Amounts receivable after more than one year29€3.81M€1.06M▼
Other amounts receivable291€3.81M€1.06M▼
Amounts receivable within one year40/41€42k€75k▲
Trade receivables40€39k€74k▲
Other amounts receivable41€2k€143▼
Current investments50/53€1.02M€823k▼
Cash at bank and in hand54/58€39k€28k▼
Deferred charges and accrued income490/1€266k€79k▼
Equity and liabilities
Total equity and liabilities10/49€7.88M€4.60M▼
Equity10/15€7.39M€3.99M▼
Contributions10/11€19k€19k=
Reserves13€7.37M€3.98M▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132-€126k
Distributable reserves133€7.37M€3.85M▼
Profit (loss) carried forward14-€0
Amounts payable17/49€492k€602k▲
Amounts payable after more than one year17€250k€209k▼
Financial debts170/4€247k€206k▼
Other amounts payable178/9€4k€4k=
Amounts payable within one year42/48€148k€382k▲
Current portion of amounts payable after more than one year42€39k€41k▲
Financial debts43€2k€0▼
Credit institutions430/8€2k€0▼
Trade debts44€8k€7k▼
Suppliers440/4€8k€7k▼
Taxes, remuneration and social security45€99k€138k▲
Taxes450/3€91k€129k▲
Remuneration and social security454/9€9k€9k▲
Other amounts payable47/48-€197k
Accrued charges and deferred income492/3€94k€10k▼
Income statement
Code20242025
Non-recurring operating income76A€0€29k▲
Remuneration, social security and pensions62€46k€53k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€68k€63k▼
Other operating charges640/8€5k€29k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€268k€217k▼
Operating profit (loss)9901€150k€71k▼
Financial income75/76B€398k€255k▼
Recurring financial income75€244k€255k▲
Non-recurring financial income76B€155k€0▼
Financial charges65/66B€609k€524k▼
Recurring financial charges65€19k€11k▼
Non-recurring financial charges66B€590k€513k▼
Profit (loss) for the period before taxes9903€-61k€-198k▼
Income taxes67/77€82k€87k▲
Profit (loss) for the period9904€-143k€-286k▼
Transfer to tax-exempt reserves689-€126k
Profit (loss) for the period to be appropriated9905€-143k€-412k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-143k€-412k▼
Transfer from equity791/2€143k€3.52M▲
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7-€3.11M
Return on contributions (dividend)694-€3.11M
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (25 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-286k
Net result drops to €-286k, the lowest in the series.
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 92 days late
2024
02-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 124 days late
02-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 490 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 36.29
Current ratio from 14.19 to 36.29; short-term debt falls from €319k to €128k.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 326 days late
2021
31-12
Financial
Highest result since 2018net €1.86M ▲811%
Operating result €236k, net result €1.86M, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
22-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 265 days late
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
03-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 156 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Kontich · 1 establishment unit since 2006
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.
Ter Sneeuw 36-382550 KontichGround area
1,123 m²
Building footprint
314 m²
Volume, LiDAR
636 m³
2 parcels, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Unibrow
since 20062.150.917.986
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024F0165/00W005 | Flanders | 774 m² | 1 · 211 m² | - |
| 11024F0165/00Z003 | Flanders | 350 m² | 1 · 102 m² | 10.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
549300LS08TDCLUYYI03
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Of 1,505 companies in sector 66199 we hold annual accounts for 912. 322 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-08-2005
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
67130
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
85510Sports and recreation education
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.