UNIC OPWIJK
ActiveUNIC OPWIJK has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-110k) and a net result of €-89k. Equity is shrinking by ~17.2% per year across the filed fiscal years. Its solvency ranks better than 8% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
7
/ 100
Critical▼ -31 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency35▼-8
Growth32=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.56 against 0.94 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Seven 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-29.2%
Return on assets
-23.5%
Age of the figures
18 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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€110k
neutral · Filed after the deadline
The financial year that closed on 28-02-2025 was due by 30-09-2025 and was filed on 22-11-2025, 53 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
53 d late
2024
31 d late
2023
5 d late
2022
24 d late
2021
49 d late
2020
47 d late
2019
57 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€-110k
2024 · €184k
2019: €236k
2020: €176k
2021: €290k
2022: €265k
2023: €205k
2024: €184k
2019 → 2025
Total assets
€377k▼ 42.2%
2024 · €652k
2019: €776k
2020: €719k
2021: €671k
2022: €583k
2023: €625k
2024: €652k
2019 → 2025
Net result
€-89k▼ 334%
2024 · €-20k
2019: €-336
2020: €-59k
2021: €113k
2022: €-25k
2023: €-60k
2024: €-20k
2019 → 2025
Working capital
€-214k▼ 713%
2024 · €-26k
2019: €-21k
2020: €-62k
2021: €69k
2022: €54k
2023: €5k
2024: €-26k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€290k-€265k▼ 8.5%€205k▼ 22.8%€184k▼ 10.0%€-110k
Operating result€124k-€-17k€-54k▼ 211%€-9k▲ 83.4%€-78k▼ 766%
Net result€113k-€-25k€-60k▼ 146%€-20k▲ 66.2%€-89k▼ 334%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €78k in 2025 against €9k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €377k
Fixed assets
€104k▼ 51.8%
Current assets
€273k▼ 37.4%
Key figures and ratios
EBITDA
€-23k▼
2024 · €47k
Cash flow
€-34k▼
2024 · €36k
Solvency
-29.2%▼
2024 · 28.3%
Current ratio
0.56▼
2024 · 0.94
Quick ratio
0.08▼
2024 · 0.47
Debt / equity
-4.43▼
2024 · 2.54
ROE
80.6%▲
2024 · -11.1%
ROA
-23.5%▼
2024 · -3.1%
Interest coverage
-2.26▼
2024 · 3.95
Debt
€487k▲
2024 · €467k
Debt ≤ 1 year
€487k▲
2024 · €462k
Income taxes
€324▼
2024 · €547
Staff costs
€230k▲
2024 · €208k
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€652k€377k▼
Fixed assets21/28€216k€104k▼
Tangible fixed assets22/27€159k€104k▼
Land and buildings22€34k€25k▼
Plant, machinery and equipment23€83k€55k▼
Furniture and vehicles24€6k€4k▼
Leasing and similar rights25€34k€20k▼
Other tangible fixed assets26€2k€517▼
Financial fixed assets28€57k-
Current assets29/58€436k€273k▼
Stocks and contracts in progress3€217k€236k▲
Stocks30/36€217k€236k▲
Amounts receivable within one year40/41€175k€7k▼
Trade receivables40€80k€6k▼
Other amounts receivable41€95k€2k▼
Cash at bank and in hand54/58€27k€21k▼
Deferred charges and accrued income490/1€16k€9k▼
Equity and liabilities
Total equity and liabilities10/49€652k€377k▼
Equity10/15€184k€-110k▼
Contributions10/11€255k€255k=
Capital10€255k€255k=
Issued capital100€255k€255k=
Reserves13€95k€95k=
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Distributable reserves133€88k€88k=
Profit (loss) carried forward14€-165k€-459k▼
Amounts payable17/49€467k€487k▲
Amounts payable after more than one year17€322-
Financial debts170/4€322-
Amounts payable within one year42/48€462k€487k▲
Current portion of amounts payable after more than one year42€2k€8k▲
Trade debts44€253k€244k▼
Suppliers440/4€253k€244k▼
Taxes, remuneration and social security45€51k€49k▼
Taxes450/3€10k€324▼
Remuneration and social security454/9€41k€49k▲
Other amounts payable47/48€156k€185k▲
Accrued charges and deferred income492/3€5k-
Income statement
Code20242025
Non-recurring operating income76A-€614
Remuneration, social security and pensions62€208k€230k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€55k▼
Other operating charges640/8€899€1k▲
Gross operating margin9900€256k€208k▼
Operating profit (loss)9901€-9k€-78k▼
Financial income75/76B€1k€39▼
Recurring financial income75€1k€39▼
Financial charges65/66B€12k€10k▼
Recurring financial charges65€12k€10k▼
Profit (loss) for the period before taxes9903€-20k€-88k▼
Income taxes67/77€547€324▼
Profit (loss) for the period9904€-20k€-89k▼
Profit (loss) for the period to be appropriated9905€-20k€-89k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-165k€-459k▼
Profit (loss) brought forward from the previous period14P€-145k€-371k▼
Social balance
Average headcount (FTE)90876.77.0▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-11
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 53 days late
28-02
Financial
Weakest financial yearnet €-89k
Net result drops to €-89k, the lowest in the series.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 5 days late
2022
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 24 days late
2021
18-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 49 days late
28-02
Financial
Back to profitnet €113k
Net result €113k after 2 loss-making years.
28-02
Financial
Equity above €200kEq €290k ▲64.3%
Equity rises from €176k to €290k.
2020
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 47 days late
2019
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 57 days late
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
29-08
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.
Directors · office · real estate
Directors
8 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, Opwijk · 1 establishment unit since 1983
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.
Nieuwstraat 191745 OpwijkGround area
2,389 m²
Building footprint
1,066 m²
Volume, LiDAR
5,543 m³
Parcel 23752F0084/00H000, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Nieuwstraat 19, 1745 Opwijk
since 19832.038.710.861
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23752F0084/00H000 | Flanders | 2,389 m² | 1 · 1,066 m² | 6.8 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 10,066 EUR awarded · 10,066 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,622 EUR | 1,622 EUR |
| 2023 | 1 | 1,891 EUR | 1,891 EUR |
| 2022 | 2 | 6,553 EUR | 6,553 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyOpwijk2.038.710.861
Similar companies · same sector, comparable size
FEOL
BE 0883.694.546
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DFP Winge
BE 0548.671.095
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Bou3's Buurtwinkel
BE 0789.589.896
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GLACOTT
BE 0406.783.950
Ottignies-Louvain-la-Neuve · Eq €185k
Of 10,411 companies in sector 47110 we hold annual accounts for 5,787. 4,258 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-09-1983
Fiscal year end28-02
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
52114
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.