Active BE 0455.457.659Private limited company

UNIC HERENT

Broekveldstraat 34 ·3020 Herent, Belgium· 31 yrs active

Sector: Non-specialised retail sale with food, beverages or tobacco predominating (47110)

Conclusion Checked

UNIC HERENT has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.03M and a net result of €428k. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 55% of 9900 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€2.03M
Net result	€428k
Staff (FTE)	42
Better than sector	55%

Financial profile 5 of 5 axes measured · computed by Checked

80 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 58

Profitability 100

Solvency 64

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.4% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 1995, 31 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

58 / 100 Fair

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€120k

estimate, not credit advice

Score history

88 2022

76 2023

66 2024

58 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 1.01 (≥ 1.0) +5

Leverage Debt/equity 1.38 (< 2.0) +3

Profitability ROE 21% (≥ 10%) +10

Interest coverage Interest coverage -807.5× (< 1.5×) -10

Profit trend Net profit down YoY -3

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview30 NBB filings

Annual accounts filed on 15-07-2026 with the NBB · fiscal year 2025 · abbreviated schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~13.9%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	41.9%	37.6%	better than 55% of 9900 sector peers
Net result	€428k	€31k	better than 95% of 9895 sector peers
Equity	€2.03M	€261k	better than 95% of 9909 sector peers
Gross operating margin	€2.58M	€227k	better than 95% of 9875 sector peers
Staff costs	€1.81M	€159k	higher than 95% of 7511 sector peers

EBITDA

€747k

-19.4% 22-25

Net profit

€428k

-29.4% 22-25

Cash flow

€666k

-20.3% 22-25

Total assets

€4.85M

+20.9% 22-25

Equity

€2.03M

+12.6% 22-25

Working capital

€23k

+1348.3% 22-25

Employees (FTE)

42

+2.9% 22-25

Staff costs

€1.81M

+7.4% 22-25

Income taxes

€83k

-28.2% 22-25

Debt

€2.82M

+27.6% 22-25

Debt ≤ 1y

€2.62M

+23.3% 22-25

Debt > 1y

€125k

- 22-25

Current ratio

1.01

+0.8% 22-25

Quick ratio

0.72

+17.4% 22-25

Solvency

41.9%

-6.8% 22-25

Debt / equity

1.38

+13.3% 22-25

ROE

21.0%

-37.3% 22-25

ROA

8.8%

-41.6% 22-25

Interest coverage

-807.49

-175.1% 22-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022
Deposit	abbreviated schema	abbreviated schema	abbreviated schema	abbreviated schema
Revenue	-	-	-	-
EBITDA	€747k	€928k	€612k	€695k
Net profit	€428k	€606k	€368k	€393k
Cash flow	€666k	€836k	€586k	€604k
Staff costs	€1.81M	€1.68M	€1.59M	€1.53M
Income taxes	€83k	€116k	€65k	€115k
Dividends	-	-	-	-
Total assets	€4.85M	€4.01M	€3.78M	€2.39M
Equity	€2.03M	€1.81M	€1.40M	€1.38M
Debt	€2.82M	€2.21M	€2.38M	€1.02M
of which ≤ 1y	€2.62M	€2.13M	€2.28M	€909k
of which > 1y	€125k	-	-	-
Working capital	€23k	€2k	€484k	€533k
Employees (FTE)	42.0	40.8	38.9	40.8

Ratios (computed)

	2025	2024	2023	2022
Current ratio	1.01	1.00	1.21	1.59
Quick ratio	0.72	0.61	0.88	0.77
Working capital ratio	0.5%	0.0%	12.8%	22.3%
Solvency	41.9%	45.0%	37.1%	57.6%
Debt / equity	1.38	1.22	1.70	0.74
Long-term debt ratio	0.06	-	-	-
Interest coverage	-807.49	-293.50	666.54	95.70
Gross margin	-	-	-	-
Net margin	-	-	-	-
ROA	8.8%	15.1%	9.7%	16.4%
ROE	21.0%	33.6%	26.3%	28.5%
EBITDA margin	-	-	-	-
Days sales outstanding	-	-	-	-
Days payable outstanding	-	-	-	-
Inventory turnover	-	-	-	-
Days inventory (DSI)	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €2.20M · 45.4% Current assets €2.65M · 54.6%

Equity & liabilities

Equity €2.03M · 41.9% Debt €2.82M · 58.1%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€4.85M	€4.01M	€3.78M	€2.39M
Fixed assets	21/28	€2.20M	€1.88M	€1.01M	€952k
Tangible fixed assets	22/27	€2.20M	€1.88M	€1.01M	€952k
Current assets	29/58	€2.65M	€2.13M	€2.76M	€1.44M
Stocks & contracts in progress	3	€765k	€829k	€763k	€744k
Amounts receivable within one year	40/41	€1.59M	€924k	€796k	€426k
Cash & bank	54/58	€265k	€367k	€1.19M	€265k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€4.85M	€4.01M	€3.78M	€2.39M
Equity	10/15	€2.03M	€1.81M	€1.40M	€1.38M
Contributions / capital	10/11	€45k	€45k	€45k	€45k
Reserves	13	€1.99M	€1.76M	€1.36M	€1.33M
Accumulated profits (losses)	14	€0	€0	-	-
Amounts payable	17/49	€2.82M	€2.21M	€2.38M	€1.02M
Amounts payable after one year	17	€125k	-	-	-
Amounts payable within one year	42/48	€2.62M	€2.13M	€2.28M	€909k
Trade debts payable within one year	44	€2.10M	€1.53M	€1.89M	€453k
Income statement
Gross operating margin	9900	€2.58M	€2.65M	€2.24M	€2.25M
Operating result	9901	€510k	€699k	€394k	€484k
Financial income	75	€217	€20k	€29k	€13k
Financial charges	65	€-926	€-3k	€919	€7k
Result before taxes	9903	€511k	€722k	€433k	€508k
Income taxes	67/77	€83k	€116k	€65k	€115k
Net result for the period	9904	€428k	€606k	€368k	€393k
Result to be appropriated	9905	€428k	€606k	€368k	€393k

Directors & mandates 1 directors

Current directors & mandates

DE HAVENPrivate limited company
Director
State Gazette act 24365121 (22-02-2024)

Current
22-02-2024 → present

Legal Structure

NACE primary	Non-specialised retail sale with food, beverages or tobacco predominating(47110)
Legal form	Private limited company(610)
Incorporation	06-07-1995
Status	Active
Postal code	3020

Establishment units 1 location

UNIC HERENT BVBA

Broekveldstraat 34, 3020 HerentWarehousing and support activities for transportation

since 19952.072.297.112

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24423G0096/00G000	Flanders	1,190 m²	1 · 835 m²	5.4 m · 1 fl.

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.

Updates 11 events

All 14Financial 3Gazette 1Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

15-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

31-12

Financial Equity above €2MEq €2.03M ▲12.6%

4 profitable years in a row build equity to €2.03M.

17-07

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

31-12

Financial Highest result since 2022net €606k ▲64.7%

Operating result €699k, net result €606k, both a record.

12-07

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

22-02

State Gazette act Director changes

Jean Michel Bosmans

2023

31-12

Financial Weakest financial yearnet €368k ▼6.3%

Net result drops to €368k, the lowest in the series; recovery starts the following year.

09-10

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema · 70 days late

2022

31-08

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema · 31 days late

2021

06-07

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema

2020

30-04

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema

2019

23-07

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema

2018

07-08

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema · 7 days late

2017

20-07

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2024

22-02-2024 DE HAVEN appointed as director Director changes·Jean Michel Bosmans

DE HAVEN, Bestuurder

Notary: Jean Michel Bosmans · Leuven

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Non-specialised retail sale with food, beverages or tobacco predominating47110Retail trade47112Supermarkets471145211452116

Names & trade names

Legal nameNL

UNIC HERENT

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