"UNILEX"
Active"UNILEX" has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.18M and a net result of €1.04M. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 74% of 3259 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €420k at 30 days acceptable
Liquidity ample (current ratio 5.09 against 3.19 in 2024), and 28.8% of the assets are financed with debt.
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
71.2%
Return on assets
17.8%
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 04-08-2026, 4 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 · 8 filingsDeviation from the deadline
2025
4 d late
2024
27 d late
2023
7 d late
2022
30 d late
2021
18 d late
2020
4 d early
2019
30 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€1.04M▲ 6.6%
2024 · €980k
2018: €883k
2019: €703k
2020: €167k
2021: €419k
2022: €688k
2023: €1.04M
2024: €980k
2018 → 2025
Working capital
€4.68M▲ 33.1%
2024 · €3.52M
2018: €1.02M
2019: €1.57M
2020: €1.75M
2021: €2.05M
2022: €2.22M
2023: €2.34M
2024: €3.52M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.15M-€2.16M▲ 0.4%€2.16M=€3.14M▲ 45.4%€4.18M▲ 33.3%
Operating result€594k-€929k▲ 56.4%€1.26M▲ 36.0%€1.32M▲ 4.5%€1.39M▲ 5.3%
Net result€419k-€688k▲ 64.2%€1.04M▲ 50.8%€980k▼ 5.6%€1.04M▲ 6.6%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 5% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.87M
Fixed assets
€43k▼ 44.4%
Current assets
€5.83M▲ 13.8%
Equity and liabilities €5.87M
Equity
€4.18M▲ 33.3%
Debt
€1.69M▼ 18.0%
The debt ratio falls from 39.7% to 28.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€1.42M▲
2024 · €1.35M
Cash flow
€1.08M▲
2024 · €1.01M
Solvency
71.2%▲
2024 · 60.3%
Current ratio
5.09▲
2024 · 3.19
Quick ratio
5.09▲
2024 · 3.19
Debt / equity
0.40▼
2024 · 0.66
ROE
25.0%▼
2024 · 31.2%
ROA
17.8%▼
2024 · 18.8%
Interest coverage
767.32▲
2024 · 368.37
Debt
€1.69M▼
2024 · €2.06M
Debt ≤ 1 year
€1.15M▼
2024 · €1.60M
Debt > 1 year
€519k▲
2024 · €408k
Income taxes
€357k▲
2024 · €342k
Staff costs
€895k▲
2024 · €816k
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€5.20M€5.87M▲
Fixed assets21/28€77k€43k▼
Tangible fixed assets22/27€59k€29k▼
Plant, machinery and equipment23€21k€14k▼
Furniture and vehicles24€23k€10k▼
Other tangible fixed assets26€14k€5k▼
Financial fixed assets28€18k€14k▼
Current assets29/58€5.12M€5.83M▲
Amounts receivable within one year40/41€4.56M€5.21M▲
Trade receivables40€4.51M€5.17M▲
Other amounts receivable41€53k€41k▼
Cash at bank and in hand54/58€559k€615k▲
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€5.20M€5.87M▲
Equity10/15€3.14M€4.18M▲
Contributions10/11€300k€300k=
Reserves13€2.84M€3.88M▲
Non-distributable reserves130/1€30k€30k=
Reserves not available under the articles1311€30k€30k=
Distributable reserves133€2.81M€3.85M▲
Profit (loss) carried forward14€100€7▼
Amounts payable17/49€2.06M€1.69M▼
Amounts payable after more than one year17€408k€519k▲
Other amounts payable178/9€408k€519k▲
Amounts payable within one year42/48€1.60M€1.15M▼
Trade debts44€770k€342k▼
Suppliers440/4€770k€342k▼
Advances received on contracts in progress46€11k€18k▲
Taxes, remuneration and social security45€154k€158k▲
Taxes450/3€58k€56k▼
Remuneration and social security454/9€95k€102k▲
Other amounts payable47/48€668k€628k▼
Accrued charges and deferred income492/3€52k€26k▼
Income statement
Code20242025
Non-recurring operating income76A€2k€11k▲
Remuneration, social security and pensions62€816k€895k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€32k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€2.17M€2.32M▲
Operating profit (loss)9901€1.32M€1.39M▲
Financial income75/76B€5k€13k▲
Recurring financial income75€5k€13k▲
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€1.32M€1.40M▲
Income taxes67/77€342k€357k▲
Profit (loss) for the period9904€980k€1.04M▲
Profit (loss) for the period to be appropriated9905€980k€1.04M▲
Appropriation of the result
Profit (loss) to be appropriated9906€980k€1.04M▲
Profit (loss) brought forward from the previous period14P€564€100▼
Transfer to equity691/2€980k€1.04M▲
To other reserves6921€980k€1.04M▲
Social balance
Average headcount (FTE)908717.919.3▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 4 days late
2025
31-12
Financial
Highest result since 2018net €1.04M ▲6.6%
Operating result €1.39M, net result €1.04M, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2024
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 7 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 18 days late
2021
31-12
Financial
Equity above €2MEq €2.15M ▲17.4%
4 profitable years in a row build equity to €2.15M.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €167k ▼76.3%
Net result drops to €167k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Mons · 5 establishment units since 2017
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.
Place Paul Heupgen 87000 MonsGround area
3.0 ha
Building footprint
5,304 m²
Volume, LiDAR
51,353 m³
4 parcels, Wallonia · tallest building 18.9 m, ±6 floors. Linked by address, not a title deed.
5 establishment units
UNILEX
since 20172.267.091.522
UNILEX
since 20182.273.771.159
UNILEX
since 20182.273.771.258
Zoning de Jumet,4ème rue 33, 6040 Charleroi
since 20182.322.475.255
UNILEX
since 20212.342.203.867
4 parcels
Wallonia
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53403G0059/00A003 | Wallonia | 1.1 ha | 2 · 1,266 m² | 18.9 m · 6 fl. |
| 52034B1039/00Z004 | Wallonia | 9,994 m² | 1 · 3,265 m² | 11.1 m · 3 fl. |
| 53028A0478/00A000indicative | Wallonia | 6,384 m² | 1 · 55 m² | 11.3 m · 1 fl. |
| 53020A1307/00N000 | Wallonia | 2,605 m² | 1 · 718 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
3 of 4 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 1,020 companies in sector 69103 we hold annual accounts for 611. 217 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2017
Fiscal year end31-12
Activities, NACEBEL
69103Activities of bailiffs
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:bibiane@huissierbruynooghe.be
Phone:065/66.29.89