Unigift
ActiveSummary
Unigift has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €274,637 and a net result of €19,676. Equity is growing by ~53.1% per year across the filed fiscal years. Its solvency ranks better than 25% of 2729 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70▼-21
Solvency42▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17,000 at 30 days acceptable
Liquidity tight (current ratio 1.21 against 1.13 in 2024; short-term debt: 65.4% and cash: 13.2% of total assets), and 82.7% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
17.3%
Return on assets
1.2%
Age of the figures
18 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 18-12-2025, 48 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 · 7 filingsDeviation from the deadline
2025
48 d late
2024
198 d early
2023
on the day
2021
101 d early
2020
12 d early
2019
11 d early
2018
13 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 41 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 31 October (3 of the last 3 filed years within 198 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close29-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€274,637▲ 77.2%
2024 · €154,960
Total assets
€1.6m▲ 6.8%
2024 · €1.5m
Net result
€19,676▼ 92.5%
2024 · €262,973
Working capital
€215,197▲ 40.9%
2024 · €152,678
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, 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
Line20202021202320242025
Operating result€302,626▲ 3,297%€142,521▼ 52.9%€56,214-€334,470▲ 495%€28,329▼ 91.5%
Net result€299,004above the sector's middle half▲ 5,556%€114,100above the sector's middle half▼ 61.8%€37,576within the sector's middle half-€262,973above the sector's middle half▲ 600%€19,676within the sector's middle half▼ 92.5%
Equity€18,209below the sector's middle half▼ 5.2%€56,411within the sector's middle half▲ 210%€93,987within the sector's middle half-€154,960within the sector's middle half▲ 64.9%€274,637within the sector's middle half▲ 77.2%
Total assets€2.0mabove the sector's middle half▲ 250%€1.0mwithin the sector's middle half▼ 48.4%€925,102within the sector's middle half-€1.5mwithin the sector's middle half▲ 60.9%€1.6mabove the sector's middle half▲ 6.8%
Debt€2.0m▲ 259%€975,764▼ 50.8%€831,115-€1.3m▲ 60.5%€1.3m▼ 1.4%
Working capital€164,029within the sector's middle half▼ 11.3%-€17,840below the sector's middle half€28,586within the sector's middle half-€152,678within the sector's middle half▲ 434%€215,197within the sector's middle half▲ 40.9%
Solvency0.9%below the sector's middle half▼ 2.4pp5.5%below the sector's middle half▲ 4.6pp10.2%below the sector's middle half-10.4%below the sector's middle half▲ 0.3pp17.3%within the sector's middle half▲ 6.9pp
Current ratio1.09within the sector's middle half▼ 0.540.98below the sector's middle half▼ 0.111.04within the sector's middle half-1.13within the sector's middle half▲ 0.091.21within the sector's middle half▲ 0.08
Return on assets (ROA)14.9%within the sector's middle half▲ 14.0pp11.1%within the sector's middle half▼ 3.9pp4.1%within the sector's middle half-17.7%above the sector's middle half▲ 13.6pp1.2%within the sector's middle half▼ 16.4pp
Staff (FTE)0.5below the sector's middle half1below the sector's middle half-0below the sector's middle half▼ 100%0.9below the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2024 Net result +600% on 2023. The previous fiscal year ran 15 months, this one 12.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 92% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.6m
Fixed assets
€333,948 ▲ 127%
Current assets
€1.3m ▼ 6.4%
Equity and liabilities €1.6m
Equity
€274,637 ▲ 77.2%
Debt
€1.3m ▼ 1.4%
Debt's share of the balance-sheet total falls from 89.6% to 82.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€77,618▼
2024 · €355,667
Cash flow
€68,965▼
2024 · €284,170
Debt to equity
4.79▼
2024 · 8.61
ROE
7.2%▼
2024 · 169.7%
Interest coverage
8.52▼
2024 · 73.77
Debt ≤ 1 year
€1.0m▼
2024 · €1.2m
Debt > 1 year
€270,767▲
2024 · €137,005
Income taxes
€141▼
2024 · €66,763
Staff costs
€69,848▲
2024 · €47,089
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,275 companies that looked in July 2024 the way this one looks now, 2.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
2.5%
went bankrupt
2.5%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 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% | 1.9% |
| 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 3,275 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 | 2020 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €2,256 | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | - | €20,551 | €49,315 | €47,089 | €69,848 | ▲ 48.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,260 | €12,864 | €20,306 | €21,197 | €49,289 | ▲ 133% |
| Other operating charges640/8 | - | €626 | €761 | €168 | €126 | ▼ 24.9% |
| Non-recurring operating charges66A | - | €412 | €1,651 | €7,751 | €698 | ▼ 91.0% |
| Gross operating margin9900 | €317,381 | €176,974 | €128,247 | €410,674 | €148,291 | ▼ 63.9% |
| Operating profit (loss)9901 | €302,626 | €142,521 | €56,214 | €334,470 | €28,329 | ▼ 91.5% |
| Financial income75/76B | - | €61 | €88 | €89 | €595 | ▲ 571% |
| Recurring financial income75 | €25 | €61 | €88 | €89 | €595 | ▲ 571% |
| Financial charges65/66B | - | €7,770 | €4,821 | €4,821 | €9,107 | ▲ 88.9% |
| Recurring financial charges65 | €2,277 | €7,770 | €4,821 | €4,821 | €9,107 | ▲ 88.9% |
| Profit (loss) for the period before taxes9903 | €300,374 | €134,811 | €51,481 | €329,737 | €19,818 | ▼ 94.0% |
| Income taxes67/77 | €1,370 | €20,711 | €13,906 | €66,763 | €141 | ▼ 99.8% |
| Profit (loss) for the period9904 | €299,004 | €114,100 | €37,576 | €262,973 | €19,676 | ▼ 92.5% |
| Profit (loss) for the period to be appropriated9905 | €299,004 | €114,100 | €37,576 | €262,973 | €19,676 | ▼ 92.5% |
| Line | 2020 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.0m | €1.0m | €925,102 | €1.5m | €1.6m | ▲ 6.8% |
| Fixed assets21/28 | €83,616 | €74,252 | €118,412 | €147,035 | €333,948 | ▲ 127% |
| Intangible fixed assets21 | €80,565 | €69,145 | €114,206 | €144,351 | €329,163 | ▲ 128% |
| Tangible fixed assets22/27 | €3,051 | €2,722 | €1,571 | €299 | €0 | ▼ 100% |
| Plant, machinery and equipment23 | - | €1,184 | €308 | €0 | - | - |
| Furniture and vehicles24 | - | €1,538 | €1,263 | €299 | €0 | ▼ 100% |
| Financial fixed assets28 | - | €2,385 | €2,635 | €2,385 | €4,785 | ▲ 101% |
| Current assets29/58 | €1.9m | €957,924 | €806,690 | €1.3m | €1.3m | ▼ 6.4% |
| Amounts receivable within one year40/41 | €897,696 | €196,350 | €131,483 | €475,817 | €291,626 | ▼ 38.7% |
| Trade receivables40 | - | €191,088 | €99,753 | €475,555 | €287,785 | ▼ 39.5% |
| Other amounts receivable41 | - | €5,262 | €31,731 | €262 | €3,841 | ▲ 1,367% |
| Current investments50/53 | - | - | - | €650,000 | €750,000 | ▲ 15.4% |
| Cash at bank and in hand54/58 | €1.0m | €759,399 | €661,931 | €203,553 | €210,341 | ▲ 3.3% |
| Deferred charges and accrued income490/1 | - | €2,175 | €13,275 | €12,136 | €3,131 | ▼ 74.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.0m | €1.0m | €925,102 | €1.5m | €1.6m | ▲ 6.8% |
| Equity10/15 | €18,209 | €56,411 | €93,987 | €154,960 | €274,637 | ▲ 77.2% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €118,600 | ▲ 538% |
| Profit (loss) carried forward14 | €3,209 | €37,811 | €75,387 | €136,360 | €156,037 | ▲ 14.4% |
| Amounts payable17/49 | €2.0m | €975,764 | €831,115 | €1.3m | €1.3m | ▼ 1.4% |
| Amounts payable after more than one year17 | €229,436 | €0 | €53,011 | €137,005 | €270,767 | ▲ 97.6% |
| Financial debts170/4 | - | €0 | €53,011 | €137,005 | €270,767 | ▲ 97.6% |
| Amounts payable within one year42/48 | €1.8m | €975,764 | €778,104 | €1.2m | €1.0m | ▼ 12.5% |
| Current portion of amounts payable after more than one year42 | - | €32,234 | €15,500 | €15,913 | €16,239 | ▲ 2.0% |
| Trade debts44 | €1.4m | €833,734 | €745,511 | €915,974 | €1.0m | ▲ 9.6% |
| Suppliers440/4 | - | €833,734 | €745,511 | €915,974 | €1.0m | ▲ 9.6% |
| Taxes, remuneration and social security45 | - | €28,575 | €17,093 | €54,711 | €14,725 | ▼ 73.1% |
| Taxes450/3 | - | €22,204 | €14,492 | €52,036 | €7,303 | ▼ 86.0% |
| Remuneration and social security454/9 | - | €6,371 | €2,600 | €2,674 | €7,422 | ▲ 178% |
| Other amounts payable47/48 | - | €81,221 | €0 | €202,231 | €4,590 | ▼ 97.7% |
| Accrued charges and deferred income492/3 | - | - | - | €7,747 | €3,741 | ▼ 51.7% |
| Line | 2020 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €299,004 | €114,100 | €37,576 | €262,973 | €19,676 | ▼ 92.5% |
| + Depreciation and write-downs630 | €12,260 | €12,864 | €20,306 | €21,197 | €49,289 | ▲ 133% |
| Operating cash flow (approximation) | €311,264 | €126,964 | €57,882 | €284,170 | €68,965 | ▼ 75.7% |
| Investment in fixed assets (approximation) | - | -€3,500 | - | -€49,820 | -€236,201 | ▼ 374% |
| Change in cash | - | -€258,550 | - | -€458,378 | €6,787 | ▲ 101% |
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
01-09
State Gazette act
Capital & sharesBank account · Capital · Statutes amendment12 facts ▸
State Gazette act
Capital & shares
Bank account · Capital · Statutes amendment12 facts ▸
- General meeting, 21-08-2026
- Bank account, ING, 71293.06
- Capital, €189.893,06
- Statutes amendment, vijf
- Capital conversion, beschikbare eigenvermogensrekening
- Power of attorney, Gevimar
- Other statement, authorization to prepare coordinated statutes
- Capital increase, €71.293,06
- Declaration, waiver of pre-emptive rights, huidige aandeelhouders
- Shareholding, nieuwe aandelen, 14
- Shareholding, nieuwe aandelen, 36
- Shareholding, nieuwe aandelen, 52
2025
18-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 48 days late
31-03
Financial
Equity above €200,000Eq €274,637 ▲77.2%
6 profitable years in a row build equity to €274,637.
2024
16-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Equity above €150,000Eq €154,960 ▲64.9%
5 profitable years in a row build equity to €154,960.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
21-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €299,004 ▲5,556%
Net result €299,004, the highest in the series.
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €5,286
Net result €5,286 after one loss-making year.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 9 acts read
About the unread acts
Of the 9 Belgian State Gazette acts we know for this company, 1 has been read. The other 8 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
9 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Kortrijk · 1 establishment unit since 2017
Ground area
1,081 m²
Building footprint
311 m²
Volume, LiDAR
4,360 m³
Parcel 34022E0055/00Y003, Flanders · tallest building 16.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Bloemistenstraat(Kor) 11, 8500 Kortrijk
since 20172.262.675.052
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34022E0055/00Y003 | Flanders | 1,081 m² | 1 · 311 m² | 16.4 m · 5 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
2 ownersOwners 2
-
15.03%
-
6.44%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts 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.
Capital and shareholders
Shareholders according to the acts
After the capital increase
act of 01-09-2026 ↗
- VERBRUGGHE Björn Henri Werner 14 shares · 9,785.32 EUR in cash
- INVESTIGATE (BE 0647.862.703) 36 shares · 25,162.26 EUR in cash
- LB HOLDING BV 52 shares · 36,345.48 EUR in cash
Stated in the act
act of 01-09-2026 ↗
- VERBRUGGHE Björn Henri Werner 14 shares
- INVESTIGATE (BE 0647.862.703) 36 shares
- LB HOLDING BV 52 shares
The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.
Capital over the years
- 01-09-2026 Converted to available equity
- 01-09-2026 Capital increase of 71,293.06 EUR · to 189,893.06 EUR · 102 new shares · in cash
Public money · subsidies and aid
Flemish government
2023 to 2025 · 4 entries · 34,000 EUR awarded · 34,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 0 EUR | 12,500 EUR |
| 2024 | 1 | 9,000 EUR | 9,000 EUR |
| 2023 | 1 | 25,000 EUR | 12,500 EUR |
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Of 16,915 companies in sector 62100 we hold annual accounts for 8,786. 6,279 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-03-2017
Fiscal year end31-03
Activities, NACEBEL 2025
62100Computer programming
47120Other non-specialised retail sale
58290Other software publishing
E-invoicing
Reachable via Peppol
Peppol ID
0208:0672907707
Also
9925:BE0672907707
Registered
05-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.