Unic SMG Construct
ActiveUnic SMG Construct has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €53k. Its solvency ranks better than 78% of 2172 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency91
Growth-
Track record67
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.55; short-term debt: 33.9% and cash: 11% of total assets), and 33.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
66.1%
Return on assets
64.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-09-2026, 47 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 · 1 filingDeviation from the deadline
2025
47 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€54k
Total assets
€82k
Net result
€53k
Working capital
€15k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €82k
Fixed assets
€39k
Current assets
€43k
Equity and liabilities €82k
Equity
€54k
Debt
€28k
Debt finances 33.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€68k
Cash flow
€55k
Solvency
66.1%
Current ratio
1.55
Quick ratio
1.55
Debt / equity
0.51
ROE
98.1%
ROA
64.9%
Interest coverage
3374.29
Debt
€28k
Debt ≤ 1 year
€28k
Income taxes
€14k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€82k
Fixed assets21/28€39k
Tangible fixed assets22/27€39k
Plant, machinery and equipment23€2k
Furniture and vehicles24€36k
Current assets29/58€43k
Amounts receivable within one year40/41€34k
Trade receivables40€28k
Other amounts receivable41€6k
Cash at bank and in hand54/58€9k
Equity and liabilities
Total equity and liabilities10/49€82k
Equity10/15€54k
Contributions10/11€1k
Outside capital11€1k
Other1109/19€1k
Profit (loss) carried forward14€53k
Amounts payable17/49€28k
Amounts payable within one year42/48€28k
Trade debts44€9k
Suppliers440/4€9k
Taxes, remuneration and social security45€14k
Taxes450/3€14k
Other amounts payable47/48€5k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k
Other operating charges640/8€106
Gross operating margin9900€68k
Operating profit (loss)9901€67k
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€20
Recurring financial charges65€20
Profit (loss) for the period before taxes9903€67k
Income taxes67/77€14k
Profit (loss) for the period9904€53k
Profit (loss) for the period to be appropriated9905€53k
Appropriation of the result
Profit (loss) to be appropriated9906€53k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 47 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Grimbergen · 1 establishment unit since 2025
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.
Dressaertlaan 421850 GrimbergenGround area
491 m²
Building footprint
236 m²
Volume, LiDAR
3,721 m³
2 parcels, Brussels, Flanders · tallest building 20.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Unic SMG Construct
since 20252.371.378.695
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23025I0294/00M000 | Flanders | 263 m² | 1 · 61 m² | 11.4 m · 3 fl. |
| 21815D0093/00P004 | Brussels | 227 m² | 1 · 175 m² | 20.9 m · 6 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.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 13,126 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-03-2025
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43320Joinery installation
43331Floor and wall tiling
46900Non-specialised wholesale trade
47521Retail sale of hardware, building materials, paint and glass (general range)
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:Info@unicsmg.be