UNIC-MONA
ActiveSummary
UNIC-MONA has been active since 1974 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33.0m and a net result of €3.7m. Equity is growing by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 83% of 10519 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability79▲+2
Solvency97▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000,000 at 30 days acceptable
Liquidity ample (current ratio 2.23 against 1.75 in 2024; short-term debt: 10.2% and cash: 3% of total assets), and 28.1% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
71.9%
Return on assets
8.1%
Age of the figures
10 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-11-2025 was due by 30-06-2026 and was filed on 26-05-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 d early
2024
13 d early
2023
6 d early
2022
4 d early
2021
2 d early
2020
on the day
2019
4 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 9 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-11-2026 and is due by 30-06-2027. Nothing is late today. Usually files around 25 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-11-2026 close30-06-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#2 company by equity in Izegem, Wholesale and retail trade sector#3 company by total assets in Izegem, Wholesale and retail trade sector
Equity
€33.0m▲ 12.7%
2024 · €29.3m
Total assets
€45.9m▲ 2.7%
2024 · €44.7m
Net result
€3.7m▲ 26.4%
2024 · €3.0m
Working capital
€5.7m▲ 43.2%
2024 · €4.0m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20212022202320242025
Operating result€1.7m▲ 39.0%€999,729▼ 41.7%€1.6m▲ 60.4%€2.6m▲ 61.5%€2.0m▼ 23.1%
Net result€2.2mabove the sector's middle half▲ 29.0%€921,089above the sector's middle half▼ 57.6%€3.2mabove the sector's middle half▲ 245%€3.0mabove the sector's middle half▼ 7.1%€3.7mabove the sector's middle half▲ 26.4%
Equity€22.2mabove the sector's middle half▲ 10.8%€23.1mabove the sector's middle half▲ 4.1%€26.3mabove the sector's middle half▲ 13.7%€29.3mabove the sector's middle half▲ 11.2%€33.0mabove the sector's middle half▲ 12.7%
Total assets€28.2mabove the sector's middle half▲ 3.1%€38.6mabove the sector's middle half▲ 36.6%€41.1mabove the sector's middle half▲ 6.6%€44.7mabove the sector's middle half▲ 8.7%€45.9mabove the sector's middle half▲ 2.7%
Debt€5.6m▼ 18.9%€15.0m▲ 169%€14.4m▼ 4.0%€15.1m▲ 4.4%€12.6m▼ 16.6%
Working capital€4.3mabove the sector's middle half▲ 47.6%€4.4mabove the sector's middle half▲ 1.5%€6.1mabove the sector's middle half▲ 39.3%€4.0mabove the sector's middle half▼ 34.3%€5.7mabove the sector's middle half▲ 43.2%
Solvency78.7%above the sector's middle half▲ 5.5pp60.0%within the sector's middle half▼ 18.7pp64.0%above the sector's middle half▲ 4.0pp65.5%above the sector's middle half▲ 1.5pp71.9%above the sector's middle half▲ 6.4pp
Current ratio3.95above the sector's middle half▲ 1.542.05within the sector's middle half▼ 1.902.48within the sector's middle half▲ 0.431.75within the sector's middle half▼ 0.732.23within the sector's middle half▲ 0.48
Return on assets (ROA)7.7%within the sector's middle half▲ 1.5pp2.4%within the sector's middle half▼ 5.3pp7.7%within the sector's middle half▲ 5.3pp6.6%within the sector's middle half▼ 1.1pp8.1%within the sector's middle half▲ 1.5pp
Staff (FTE)3.7within the sector's middle half▲ 8.8%2.6within the sector's middle half▼ 29.7%2.4within the sector's middle half▼ 7.7%2.4within the sector's middle half=2.4within the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €45.9m
Fixed assets
€35.5m ▲ 0.4%
Current assets
€10.4m ▲ 11.4%
Equity and liabilities €45.9m
Equity
€33.0m ▲ 12.7%
Provisions
€310,415 ▼ 8.5%
Debt
€12.6m ▼ 16.6%
Debt's share of the balance-sheet total falls from 33.7% to 27.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€3.3m▼
2024 · €3.9m
Cash flow
€5.1m▲
2024 · €4.2m
Debt to equity
0.38▼
2024 · 0.51
ROE
11.3%▲
2024 · 10.1%
Interest coverage
9.01▼
2024 · 10.87
Debt ≤ 1 year
€4.7m▼
2024 · €5.3m
Debt > 1 year
€7.6m▼
2024 · €9.5m
Income taxes
€502,838▼
2024 · €675,854
Staff costs
€179,075▲
2024 · €126,368
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €985,147 | €49,029 | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | €195,360 | €157,104 | €161,388 | €126,368 | €179,075 | ▲ 41.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1.0m | €1.3m | €1.3m | €1.3m | €1.3m | ▲ 2.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €33,249 | €0 | - | - | €1,936 | - |
| Other operating charges640/8 | €185,612 | €193,577 | €232,566 | €345,045 | €277,305 | ▼ 19.6% |
| Non-recurring operating charges66A | €3,715 | €0 | €1.4m | €0 | €485,943 | - |
| Gross operating margin9900 | €3.1m | €2.6m | €4.7m | €4.4m | €4.3m | ▼ 2.2% |
| Operating profit (loss)9901 | €1.7m | €999,729 | €1.6m | €2.6m | €2.0m | ▼ 23.1% |
| Financial income75/76B | €1.0m | €326,569 | €2.3m | €1.4m | €2.6m | ▲ 88.7% |
| Recurring financial income75 | €1.0m | €326,569 | €2.3m | €1.4m | €2.6m | ▲ 88.9% |
| Non-recurring financial income76B | - | - | - | €1,597 | €0 | ▼ 100% |
| Financial charges65/66B | €64,302 | €119,557 | €269,431 | €357,251 | €367,940 | ▲ 3.0% |
| Recurring financial charges65 | €64,302 | €117,410 | €269,431 | €357,251 | €367,940 | ▲ 3.0% |
| Non-recurring financial charges66B | €0 | €2,147 | €0 | - | - | - |
| Profit (loss) for the period before taxes9903 | €2.7m | €1.2m | €3.7m | €3.6m | €4.2m | ▲ 16.8% |
| Transfer from deferred taxes780 | €28,931 | €28,931 | €28,931 | €28,931 | €28,931 | = |
| Income taxes67/77 | €513,679 | €314,582 | €499,686 | €675,854 | €502,838 | ▼ 25.6% |
| Profit (loss) for the period9904 | €2.2m | €921,089 | €3.2m | €3.0m | €3.7m | ▲ 26.4% |
| Transfer from tax-exempt reserves789 | €170,931 | €529,654 | €798,792 | €86,792 | €86,792 | = |
| Profit (loss) for the period to be appropriated9905 | €2.3m | €1.5m | €4.0m | €3.0m | €3.8m | ▲ 25.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €28.2m | €38.6m | €41.1m | €44.7m | €45.9m | ▲ 2.7% |
| Fixed assets21/28 | €22.5m | €30.0m | €30.9m | €35.4m | €35.5m | ▲ 0.4% |
| Intangible fixed assets21 | €1.4m | €1.2m | €1.1m | €865,705 | €676,720 | ▼ 21.8% |
| Tangible fixed assets22/27 | €13.7m | €17.5m | €18.5m | €18.8m | €17.8m | ▼ 5.4% |
| Land and buildings22 | €13.6m | €17.4m | €18.5m | €18.6m | €17.6m | ▼ 5.2% |
| Furniture and vehicles24 | €96,766 | €52,836 | €53,237 | €182,721 | €136,896 | ▼ 25.1% |
| Financial fixed assets28 | €7.4m | €11.3m | €11.3m | €15.7m | €17.1m | ▲ 8.6% |
| Current assets29/58 | €5.8m | €8.5m | €10.2m | €9.3m | €10.4m | ▲ 11.4% |
| Amounts receivable after more than one year29 | €44,783 | €800,000 | €625,000 | €450,000 | €275,000 | ▼ 38.9% |
| Other amounts receivable291 | €44,783 | €800,000 | €625,000 | €450,000 | €275,000 | ▼ 38.9% |
| Amounts receivable within one year40/41 | €3.2m | €1.4m | €117,767 | €5.0m | €5.6m | ▲ 11.7% |
| Trade receivables40 | €82,842 | €48,879 | €41,238 | €160,142 | €124,957 | ▼ 22.0% |
| Other amounts receivable41 | €3.1m | €1.4m | €76,529 | €4.9m | €5.5m | ▲ 12.8% |
| Current investments50/53 | €667,868 | €248,477 | €8.5m | €3.4m | €3.0m | ▼ 12.4% |
| Cash at bank and in hand54/58 | €1.8m | €6.0m | €744,842 | €344,749 | €1.4m | ▲ 305% |
| Deferred charges and accrued income490/1 | €64,809 | €114,057 | €172,030 | €83,801 | €110,765 | ▲ 32.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €28.2m | €38.6m | €41.1m | €44.7m | €45.9m | ▲ 2.7% |
| Equity10/15 | €22.2m | €23.1m | €26.3m | €29.3m | €33.0m | ▲ 12.7% |
| Contributions10/11 | €4.3m | €4.3m | €4.3m | €4.3m | €4.3m | = |
| Capital10 | €4.2m | €4.2m | €4.2m | €4.2m | €4.2m | = |
| Issued capital100 | €4.2m | €4.2m | €4.2m | €4.2m | €4.2m | = |
| Outside capital11 | €50,238 | €50,238 | €50,238 | €50,238 | €50,238 | = |
| Share premium1100/10 | €50,238 | €50,238 | €50,238 | €50,238 | €50,238 | = |
| Reserves13 | €18.0m | €18.9m | €22.1m | €25.0m | €28.8m | ▲ 14.9% |
| Non-distributable reserves130/1 | €420,000 | €420,000 | €420,000 | €420,000 | €420,000 | = |
| Legal reserve130 | €420,000 | €420,000 | €420,000 | €420,000 | €420,000 | = |
| Tax-exempt reserves132 | €2.5m | €2.0m | €1.2m | €1.1m | €989,982 | ▼ 8.1% |
| Distributable reserves133 | €15.1m | €16.5m | €20.5m | €23.5m | €27.4m | ▲ 16.2% |
| Provisions and deferred taxes16 | €426,138 | €397,207 | €368,277 | €339,346 | €310,415 | ▼ 8.5% |
| Deferred taxes168 | €426,138 | €397,207 | €368,277 | €339,346 | €310,415 | ▼ 8.5% |
| Amounts payable17/49 | €5.6m | €15.0m | €14.4m | €15.1m | €12.6m | ▼ 16.6% |
| Amounts payable after more than one year17 | €3.9m | €10.6m | €10.0m | €9.5m | €7.6m | ▼ 19.6% |
| Financial debts170/4 | €3.9m | €10.6m | €10.0m | €9.5m | €7.6m | ▼ 19.6% |
| Amounts payable within one year42/48 | €1.5m | €4.2m | €4.1m | €5.3m | €4.7m | ▼ 12.5% |
| Current portion of amounts payable after more than one year42 | €1.2m | €1.9m | €1.9m | €2.0m | €1.9m | ▼ 7.5% |
| Trade debts44 | €22,326 | €36,232 | €40,909 | €87,803 | €37,222 | ▼ 57.6% |
| Suppliers440/4 | €22,326 | €36,232 | €40,909 | €87,803 | €37,222 | ▼ 57.6% |
| Taxes, remuneration and social security45 | €41,219 | €40,169 | €91,208 | €73,173 | €81,550 | ▲ 11.4% |
| Taxes450/3 | €10,290 | €15,819 | €64,035 | €52,564 | €52,850 | ▲ 0.5% |
| Remuneration and social security454/9 | €30,929 | €24,350 | €27,173 | €20,608 | €28,700 | ▲ 39.3% |
| Other amounts payable47/48 | €212,248 | €2.2m | €2.1m | €3.2m | €2.7m | ▼ 14.9% |
| Accrued charges and deferred income492/3 | €199,708 | €267,357 | €316,352 | €250,997 | €268,698 | ▲ 7.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2.2m | €921,089 | €3.2m | €3.0m | €3.7m | ▲ 26.4% |
| + Depreciation and write-downs630 | €1.0m | €1.3m | €1.3m | €1.3m | €1.3m | ▲ 2.3% |
| Operating cash flow (approximation) | €3.2m | €2.2m | €4.5m | €4.2m | €5.1m | ▲ 19.0% |
| Investment in fixed assets (approximation) | - | -€8.8m | -€2.2m | -€5.7m | -€1.5m | ▲ 74.5% |
| Change in cash | - | €4.2m | -€5.2m | -€400,093 | €1.1m | ▲ 363% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-11
Financial
Highest result since 2018net €3.7m ▲26.4%
Net result €3.7m, the highest in the series.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-11
Financial
Equity above €25mEq €26.3m ▲13.7%
6 profitable years in a row build equity to €26.3m.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-11
Financial
Weakest financial yearnet €921,089 ▼57.6%
Net result drops to €921,089, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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 1974
Ground area
1,231 m²
Building footprint
381 m²
Volume, LiDAR
3,165 m³
Parcel 36008A0232/00N004, Flanders · tallest building 13.7 m, ±3 floors. Linked by address, not a title deed.
25
companies at this address
See who is registered here
1 establishment unit
UNIC-MONA
since 19742.228.334.676
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36008A0232/00N004 | Flanders | 1,231 m² | 1 · 381 m² | 13.7 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
14 holdingsOwners 0
The accounts to 30-11-2025 list no shareholders, and no other source names one.
Holdings 14
-
100%
-
100%
-
100%
-
100%
-
75.27%
-
75.2%
-
50%
-
50%
-
50%
-
50%
Show 4 more holdings
-
49.87%
-
37.6%
-
37.6%
-
33.39%
According to the annual accounts to 30-11-2025 of UNIC-MONA 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.
Recognitions · licences · registrations
Legal Entity Identifier
5299004OR32GTFZSX706
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,854. 90 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded30-03-1974
Fiscal year end30-11
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
82100Office administrative and support services
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0414046280
Registered
18-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.