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UNIC-MONA

Active
Public limited companyfounded 1974active for 52 yearsGentsestraat 61, 8870 Izegem, BelgiumKBO/BCE: BE 0414.046.280
Summary

UNIC-MONA has been active since 1974 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33.0m and a net result of €3.7m. Equity has been growing by about 9.9% per year since 2018. Its solvency ranks better than 83% of 12,775 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow ReportCompare
UNIC-MONAActiveChecked score 96/100
Risk analysis ReportCompare

Overview

Official details

Source: KBO
Status
Active since 30-03-1974 Normal situation
Registered office
25 active companies are registered at this address Source: KBO register, as of 2 November 2026.
Activity
Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110and 5 others
Joint committees
100 Aanvullend Paritair Comité voor de werklieden
200 Aanvullend Paritair Comité voor de bedienden · annual accounts 30-11-2025
Establishment unit
2.228.334.676 8870 Izegem, since 30-03-1974
Financial year end
30 November
Peppol
Reachable since 18-03-2026
Company details

Board and ownership

Board
  • Vanhonsebrouck PascalDirector
Holdings
Shares in 14 companies including CENTRE and MEIRSCHAERT IMMO
Board & ownership

Financial position

96 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts to 30-11-2025
Gross margin
€4.3m
▼ 2.2%
Turnover
≈ €29.0m
estimated
Profit
€3.7m
▲ 26.4%
Equity
€33.0m
▲ 12.7%
Total assets
€45.9m
▲ 2.7%
Employees on 30-11-2025
3
=
Financials
Score breakdownraises riskLiquidity: current ratio 2.23, cash €1.4mlowers riskSize: 2.4 FTE, total assets €45.9mFounded in 1974Equity €33.0m (71.9% of total assets)Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 69% of micro companies in retail trade (NACE 47)
Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Strong
Solvency 97+6
equity 71.9% of total assets
Liquidity 54+4
short-term debt 10.2% · cash 3.0%
Profitability 79+2
return on assets 8.1%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025highest value 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026lowest value 07-2026: 0.1%● unchanged vs 06-2026lowest value 08-2026: 0.1%● unchanged vs 07-2026lowest value 09-2026: 0.1%● unchanged vs 08-2026lowest value 10-2026: 0.1%● unchanged vs 09-2026lowest value 11-2026: 0.1%● unchanged vs 10-2026lowest value
Credit of up to €3,150,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.23 (1.75 in 2024), above the usual 1.5. Short-term debt is 10.2% and cash 3% of total assets. 28.1% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 82% of them on solvency, 59% on liquidity, 69% on profitability and 65% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: 2.4 FTE, total assets €45.9m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Founded in 1974
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Liquidity: current ratio 2.23, cash €1.4m
NBB · annual accounts
lowers risk · Equity €33.0m (71.9% of total assets)
NBB · annual accounts
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 filings
Deviation from the deadline
2025
35 days early
2024
13 days early
2023
6 days early
2022
4 days early
2021
2 days early
2020
on the day
2019
4 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 9 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 30-11-2026 and is due by 30-06-2027. Nothing is late today. The company usually files around 25 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today30-11-2026 year end30-06-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher net result than 95% of companies in retail tradesector median €27,601 · 12,764 companies €3.7m View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2025: €3.7m 8 years View
  • Heads a groupcompanies controlled 6 View
  • Positive: Result rose in 2025from €3.0m to €3.7m ▲ 26.4% View

Recent changes

  1. · Gazette deed General meeting · Director reappointment
  2. · Gazette deed General meeting · Director reappointment
  3. · Gazette deed General meeting · Director resignation
All 16 events

Companies linked to UNIC-MONA

Comparable companies

These companies have the same main activity as UNIC-MONA: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €5m and €37m, founded between 1958 and 2000.

CompanyTotal assetsGross margin
UNIC-MONA Izegem€45.9m€4.3m
D.P. DISTRIBUTION Mechelen€36.9m€1.3m
TDRC Aalst€15.8m€0.7m
PHILIPPAERTS Alken€5.0m€1.4m
VEDEKA II Kalmthout€9.8m€1.0m
Warenhuizen Alma Zaventem€21.3m-
J.V.P. Namur€22.2m-
Full comparison

Key facts about UNIC-MONA
What is the company number of UNIC-MONA?
The company number of UNIC-MONA is 0414.046.280. The VAT number is the same number with BE in front: BE 0414.046.280.
Where is UNIC-MONA based?
The registered office is at Gentsestraat 61, 8870 Izegem.Company details
What does UNIC-MONA do?
According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
What is the legal form of UNIC-MONA?
The legal form of UNIC-MONA is Public limited company (NV).
When was UNIC-MONA founded?
UNIC-MONA was founded on 30-03-1974.
Is UNIC-MONA still active?
Yes, UNIC-MONA is an active enterprise in the KBO register.
How many employees does UNIC-MONA have?
UNIC-MONA had an average of 2.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does UNIC-MONA fall under?
In its 30-11-2025 annual accounts, UNIC-MONA states joint committees 100 (Aanvullend Paritair Comité voor de werklieden) and 200 (Aanvullend Paritair Comité voor de bedienden).
What is the turnover of UNIC-MONA?
The turnover in financial year 2025 is ≈ €29.0m. This figure is estimated from the gross margin of €4.3m and 30 comparable companies (NACE 471). It probably lies between €18.0m and €35.0m.
Is UNIC-MONA profitable?
In financial year 2025, UNIC-MONA made a profit of €3.7m.
Where can I find the annual accounts of UNIC-MONA?
UNIC-MONA filed 48 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of UNIC-MONA due?
UNIC-MONA must file the annual accounts for financial year 2026 by 30-06-2027.Timeline

Next steps

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