UNIC SUMA
ActiveSummary
UNIC SUMA has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€249,553) and a net result of -€46,274. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 8% of 18716 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-54
Solvency0=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.33 against 0.39 in 2024; short-term debt: 246.8% and cash: 3.3% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
-146.8%
Return on assets
-27.2%
Age of the figures
20 mo
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 · 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 →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€249,553
neutral · Filed after the deadline
The financial year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 05-09-2025, 5 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
2026
not confirmed
2025
5 d late
2024
25 d late
2023
28 d late
2022
28 d late
2021
27 d late
2020
28 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 24 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2025, micro schema
Equity
-€249,553▼ 22.8%
2024 · -€203,279
Total assets
€170,033▼ 9.6%
2024 · €188,164
Net result
-€46,274
2024 · €3,542
Working capital
-€279,100▼ 18.4%
2024 · -€235,662
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€7,832▲ 76.9%€134,714€5,989▼ 95.6%€7,202▲ 20.3%-€42,261
Net result-€17,238below the sector's middle half▲ 62.5%€128,235above the sector's middle half-€1,084within the sector's middle half€3,542within the sector's middle half-€46,274below the sector's middle half
Equity-€333,972below the sector's middle half▼ 5.4%-€205,737below the sector's middle half▲ 38.4%-€206,821below the sector's middle half▼ 0.5%-€203,279below the sector's middle half▲ 1.7%-€249,553below the sector's middle half▼ 22.8%
Total assets€195,396within the sector's middle half▼ 19.1%€174,615within the sector's middle half▼ 10.6%€178,245within the sector's middle half▲ 2.1%€188,164within the sector's middle half▲ 5.6%€170,033within the sector's middle half▼ 9.6%
Debt€529,368▼ 5.2%€380,352▼ 28.1%€385,066▲ 1.2%€391,443▲ 1.7%€419,586▲ 7.2%
Working capital-€359,213below the sector's middle half▼ 0.2%-€211,717below the sector's middle half▲ 41.1%-€222,733below the sector's middle half▼ 5.2%-€235,662below the sector's middle half▼ 5.8%-€279,100below the sector's middle half▼ 18.4%
Solvency-170.9%below the sector's middle half▼ 39.8pp-117.8%below the sector's middle half▲ 53.1pp-116.0%below the sector's middle half▲ 1.8pp-108.0%below the sector's middle half▲ 8.0pp-146.8%below the sector's middle half▼ 38.7pp
Current ratio0.28below the sector's middle half▼ 0.050.42below the sector's middle half▲ 0.140.41below the sector's middle half▼ 0.010.39below the sector's middle half▼ 0.020.33below the sector's middle half▼ 0.06
Return on assets (ROA)-8.8%below the sector's middle half▲ 10.2pp73.4%above the sector's middle half▲ 82.3pp-0.6%within the sector's middle half▼ 74.0pp1.9%within the sector's middle half▲ 2.5pp-27.2%below the sector's middle half▼ 29.1pp
Staff (FTE)4.2▲ 5.0%4.3▲ 2.4%4.3=4.9▲ 14.0%5.3▲ 8.2%
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 micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €42,261 after €7,202 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €170,033
Fixed assets
€29,559 ▼ 19.1%
Current assets
€140,474 ▼ 7.4%
Key figures and ratios
EBITDA
-€29,305▼
2024 · €18,143
Cash flow
-€33,318▼
2024 · €14,483
Quick ratio
0.06▼
2024 · 0.10
Debt to equity
-1.68▲
2024 · -1.93
Interest coverage
-6.05▼
2024 · 3.93
Debt ≤ 1 year
€419,575▲
2024 · €387,291
Income taxes
€187▼
2024 · €188
Staff costs
€162,710▲
2024 · €157,618
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,621 companies that looked in July 2024 the way this one looks now, 4.5% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.5%
went bankrupt
10.0%
stopped otherwise
84%
still going
A further 1.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.2% 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 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 6,621 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €132,380 | €152,441 | €157,618 | €162,710 | ▲ 3.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €33,355 | €37,054 | €8,469 | €10,941 | €12,956 | ▲ 18.4% |
| Other operating charges640/8 | - | €7,368 | €10,229 | €9,785 | €9,133 | ▼ 6.7% |
| Non-recurring operating charges66A | - | - | €1,420 | - | - | - |
| Gross operating margin9900 | €172,113 | €311,516 | €178,548 | €185,546 | €142,538 | ▼ 23.2% |
| Operating profit (loss)9901 | -€7,832 | €134,714 | €5,989 | €7,202 | -€42,261 | ▼ 687% |
| Financial income75/76B | - | €410 | €418 | €1,144 | €1,019 | ▼ 10.9% |
| Recurring financial income75 | - | €410 | €418 | €1,144 | €1,019 | ▼ 10.9% |
| Financial charges65/66B | - | €6,719 | €7,308 | €4,616 | €4,845 | ▲ 5.0% |
| Recurring financial charges65 | €9,165 | €6,719 | €6,858 | €4,616 | €4,845 | ▲ 5.0% |
| Non-recurring financial charges66B | - | - | €450 | - | - | - |
| Profit (loss) for the period before taxes9903 | -€16,997 | €128,405 | -€901 | €3,730 | -€46,087 | ▼ 1,336% |
| Income taxes67/77 | €241 | €170 | €183 | €188 | €187 | ▼ 0.7% |
| Profit (loss) for the period9904 | -€17,238 | €128,235 | -€1,084 | €3,542 | -€46,274 | ▼ 1,406% |
| Profit (loss) for the period to be appropriated9905 | -€17,238 | €128,235 | -€1,084 | €3,542 | -€46,274 | ▼ 1,406% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €195,396 | €174,615 | €178,245 | €188,164 | €170,033 | ▼ 9.6% |
| Fixed assets21/28 | €58,312 | €24,286 | €24,526 | €36,535 | €29,559 | ▼ 19.1% |
| Tangible fixed assets22/27 | €58,312 | €24,286 | €24,526 | €36,535 | €29,559 | ▼ 19.1% |
| Plant, machinery and equipment23 | - | €8,408 | €4,534 | €22,424 | €21,330 | ▼ 4.9% |
| Furniture and vehicles24 | - | €15,878 | €19,992 | €14,111 | €8,229 | ▼ 41.7% |
| Current assets29/58 | €137,084 | €150,329 | €153,719 | €151,629 | €140,474 | ▼ 7.4% |
| Stocks and contracts in progress3 | €101,757 | €104,020 | €106,849 | €114,658 | €115,253 | ▲ 0.5% |
| Stocks30/36 | - | €104,020 | €106,849 | €114,658 | €115,253 | ▲ 0.5% |
| Amounts receivable within one year40/41 | €14,970 | €13,566 | €17,167 | €10,814 | €7,219 | ▼ 33.2% |
| Trade receivables40 | - | €12,146 | €14,880 | €10,151 | €7,186 | ▼ 29.2% |
| Other amounts receivable41 | - | €1,420 | €2,287 | €663 | €33 | ▼ 95.1% |
| Cash at bank and in hand54/58 | €14,630 | €22,786 | €14,198 | €14,172 | €5,664 | ▼ 60.0% |
| Deferred charges and accrued income490/1 | - | €9,957 | €15,505 | €11,985 | €12,338 | ▲ 2.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €195,396 | €174,615 | €178,245 | €188,164 | €170,033 | ▼ 9.6% |
| Equity10/15 | -€333,972 | -€205,737 | -€206,821 | -€203,279 | -€249,553 | ▼ 22.8% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Capital10 | - | €18,592 | €18,592 | €18,592 | - | - |
| Issued capital100 | - | €18,592 | €18,592 | €18,592 | - | - |
| Outside capital11 | - | - | - | - | €18,592 | - |
| Other1109/19 | - | - | - | - | €18,592 | - |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Legal reserve130 | - | €1,859 | €1,859 | €1,859 | - | - |
| Reserves not available under the articles1311 | - | - | - | - | €1,859 | - |
| Profit (loss) carried forward14 | -€354,423 | -€226,188 | -€227,272 | -€223,730 | -€270,004 | ▼ 20.7% |
| Amounts payable17/49 | €529,368 | €380,352 | €385,066 | €391,443 | €419,586 | ▲ 7.2% |
| Amounts payable after more than one year17 | €33,071 | €18,290 | €8,601 | €4,140 | - | - |
| Financial debts170/4 | - | €18,290 | €8,601 | €4,140 | - | - |
| Amounts payable within one year42/48 | €496,297 | €362,046 | €376,452 | €387,291 | €419,575 | ▲ 8.3% |
| Current portion of amounts payable after more than one year42 | - | €14,781 | €9,689 | €4,461 | €4,140 | ▼ 7.2% |
| Trade debts44 | €382,286 | €93,559 | €102,941 | €98,696 | €122,921 | ▲ 24.5% |
| Suppliers440/4 | - | €93,559 | €102,941 | €98,696 | €122,921 | ▲ 24.5% |
| Taxes, remuneration and social security45 | - | €20,841 | €20,957 | €23,269 | €15,324 | ▼ 34.1% |
| Taxes450/3 | - | €2,017 | €352 | €188 | €423 | ▲ 125% |
| Remuneration and social security454/9 | - | €18,824 | €20,605 | €23,081 | €14,901 | ▼ 35.4% |
| Other amounts payable47/48 | - | €232,865 | €242,865 | €260,865 | €277,190 | ▲ 6.3% |
| Accrued charges and deferred income492/3 | - | €16 | €13 | €12 | €11 | ▼ 6.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€17,238 | €128,235 | -€1,084 | €3,542 | -€46,274 | ▼ 1,406% |
| + Depreciation and write-downs630 | €33,355 | €37,054 | €8,469 | €10,941 | €12,956 | ▲ 18.4% |
| Operating cash flow (approximation) | €16,117 | €165,289 | €7,385 | €14,483 | -€33,318 | ▼ 330% |
| Investment in fixed assets (approximation) | - | -€3,028 | -€8,709 | -€22,950 | -€5,980 | ▲ 73.9% |
| Change in cash | - | €8,156 | -€8,588 | -€26 | -€8,508 | ▼ 32,624% |
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
2025
05-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2024
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
31-01
Financial
Back to profitnet €3,542
Net result €3,542 after one loss-making year.
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
31-01
Financial
Back to profitnet €128,235
Net result €128,235 after 3 loss-making years.
2021
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Sambreville · 1 establishment unit since 1990
Ground area
1,271 m²
Building footprint
127 m²
Parcel 92121A0916/00P005, Wallonia. Linked by address, not a title deed.
1 establishment unit
UNIC
since 19902.048.379.484
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92121A0916/00P005 | Wallonia | 1,271 m² | 1 · 126 m² | - |
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.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 12,951 companies in sector 47120 we hold annual accounts for 2,192. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded16-02-1990
Fiscal year end31-01
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47120Other non-specialised retail sale
E-invoicing
Reachable via Peppol
Peppol ID
0208:0439906579
Also
9925:BE0439906579
Registered
06-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.