UNILIV

Active

Private limited companyfounded 201610 yrs activeZwaanhofstraat 20, 8380 Brugge, BelgiumKBO/BCE: BE 0659.917.130

UNILIV has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €110k and a net result of €-9k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 30% of 213 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

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Checked score

Score 2025

32 / 100

Weak▼ -61 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-50

Solvency43▼-55

Growth52▼-26

Stability100

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €4k at 30 days only on tighter terms

Liquidity tight (current ratio 1.25 against 2.49 in 2024), and 74.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 32

Relative position

BE, all sectors

reference

Sector 32

lower

← fewer bankruptcies more bankruptcies →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

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 2025

Solvency, return and age of the figures

Solvency

25.1%

Return on assets

-2.1%

Age of the figures

15 mo

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.

NBB · 8 filings

Deviation from the deadline

2025

1 d early

2024

17 d early

2023

12 d early

2021

2 d early

2020

31 d late

2019

31 d late

2018

30 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-06-2026 close16-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€110k▼ 42.7%

2024 · €192k

2018: €-2k 2019: €5k 2020: €7k 2021: €123k 2023: €173k 2024: €192k

2018 → 2025

Total assets

€439k▲ 31.5%

2024 · €334k

2018: €30k 2019: €66k 2020: €81k 2021: €263k 2023: €294k 2024: €334k

2018 → 2025

Net result

€-9k

2024 · €19k

2018: €-8k 2019: €7k 2020: €2k 2021: €119k 2023: €50k 2024: €19k

2018 → 2025

Working capital

€81k▼ 55.4%

2024 · €183k

2018: €-3k 2019: €17k 2020: €5k 2021: €109k 2023: €174k 2024: €183k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202320242025Trend

Equity€7k-€123k▲ 1,558%€173k▲ 40.8%€192k▲ 11.2%€110k▼ 42.7%

Operating result€19k-€161k▲ 737%€69k▼ 57.5%€36k▼ 46.8%€24k▼ 34.3%

Net result€2k-€119k▲ 5,211%€50k▼ 58.1%€19k▼ 61.2%€-9k

Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen three years in a row; 2025 is 34% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €439k

93.5%

Fixed assets €29k▼ 1.8%

Current assets €410k▲ 34.6%

Equity and liabilities €439k

25.1%

74.9%

Equity €110k▼ 42.7%

Debt €329k▲ 132%

The debt ratio rises from 42.4% to 74.9%: debt grows while equity shrinks.

Key figures and ratios

2025 value · change against 2024

EBITDA

€34k▼

2024 · €46k

Cash flow

€981▼

2024 · €29k

Solvency

25.1%▼

2024 · 57.6%

Current ratio

1.25▼

2024 · 2.49

Quick ratio

0.97▼

2024 · 1.79

Debt / equity

2.99▲

2024 · 0.74

ROE

-8.6%▼

2024 · 10.1%

ROA

-2.1%▼

2024 · 5.8%

Interest coverage

0.93▼

2024 · 3.66

Debt

€329k▲

2024 · €142k

Debt ≤ 1 year

€329k▲

2024 · €122k

Income taxes

€501▼

2024 · €7k

Staff costs

€124k▲

2024 · €99k

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€334k€439k▲

Fixed assets21/28€29k€29k▼

Intangible fixed assets21€471-

Tangible fixed assets22/27€23k€23k▼

Plant, machinery and equipment23€5k€3k▼

Furniture and vehicles24€7k€14k▲

Leasing and similar rights25€11k€5k▼

Financial fixed assets28€6k€6k=

Current assets29/58€305k€410k▲

Stocks and contracts in progress3€87k€92k▲

Stocks30/36€87k€92k▲

Amounts receivable within one year40/41€182k€161k▼

Trade receivables40€171k€130k▼

Other amounts receivable41€11k€30k▲

Cash at bank and in hand54/58€32k€153k▲

Deferred charges and accrued income490/1€4k€5k▲

Equity and liabilities

Total equity and liabilities10/49€334k€439k▲

Equity10/15€192k€110k▼

Contributions10/11€6k€19k▲

Reserves13€186k€92k▼

Distributable reserves133€186k€92k▼

Amounts payable17/49€142k€329k▲

Amounts payable after more than one year17€19k-

Financial debts170/4€19k-

Amounts payable within one year42/48€122k€329k▲

Current portion of amounts payable after more than one year42€23k€19k▼

Financial debts43€9k€20k▲

Credit institutions430/8€9k€20k▲

Trade debts44€74k€149k▲

Suppliers440/4€74k€149k▲

Advances received on contracts in progress46-€22k

Taxes, remuneration and social security45€11k€41k▲

Taxes450/3€4k€27k▲

Remuneration and social security454/9€7k€14k▲

Other amounts payable47/48€5k€77k▲

Income statement Code20242025

Remuneration, social security and pensions62€99k€124k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▲

Other operating charges640/8€1k€1k▼

Gross operating margin9900€147k€159k▲

Operating profit (loss)9901€36k€24k▼

Financial income75/76B€2k€4k▲

Recurring financial income75€2k€4k▲

Financial charges65/66B€13k€37k▲

Recurring financial charges65€13k€37k▲

Profit (loss) for the period before taxes9903€26k€-9k▼

Income taxes67/77€7k€501▼

Profit (loss) for the period9904€19k€-9k▼

Profit (loss) for the period to be appropriated9905€19k€-9k▼

Appropriation of the result

Profit (loss) to be appropriated9906€19k€-9k▼

Transfer from equity791/2-€95k

Transfer to equity691/2€19k-

To other reserves6921€19k-

Profit to be distributed694/7-€85k

Return on contributions (dividend)694-€85k

Social balance

Average headcount (FTE)90872.62.4▼

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 13Financial 5Filings 8

Next filing, fiscal year 2026, expected by 31-01-2027

2026

30-01

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

30-06

Financial Weakest financial yearnet €-9k ▼149%

Net result drops to €-9k, the lowest in the series.

14-01

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

19-01

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

30-06

Financial Equity above €150kEq €173k ▲40.8%

4 profitable years in a row build equity to €173k.

2022

29-07

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

2021

31-12

Financial Highest result since 2018net €119k ▲5211%

Operating result €161k, net result €119k, both a record.

31-12

Financial Equity above €100kEq €123k ▲1558%

3 profitable years in a row build equity to €123k.

31-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 31 days late

2020

31-08

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 31 days late

2019

31-12

Financial Back to profitnet €7k

Net result €7k after one loss-making year.

30-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 30 days late

2018

31-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 31 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

5 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, Brugge · 2 establishment units since 2016

establishment All 2 establishment units on the map

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.

Zwaanhofstraat 208380 Brugge

Ground area

1.2 ha

Building footprint

1.1 ha

Volume, LiDAR

86,811 m³

2 parcels, Flanders · tallest building 74.2 m, ±2 floors. Linked by address, not a title deed.

2 establishment units

UNILIV

Zwaanhofstraat 20, 8380 BruggePrinting and reproduction of recorded media

since 20162.255.555.945

Steel & Barnett

Pathoekeweg 120G, 8000 BruggeManufacture of jewellery

since 20222.336.802.452

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31807I0459/00X010	Flanders	1.2 ha	1 · 1.1 ha	74.2 m · 2 fl.
31007A0435/00E000	Flanders	389 m²	1 · 114 m²	6.3 m · 2 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.

Public money · subsidies and aid

Flemish government

2023 to 2025 · 4 entries · 17,974 EUR awarded · 20,329 EUR paid

Year	Entries	awarded	paid
2025	1	12,551 EUR	12,551 EUR
2024	2	5,423 EUR	6,953 EUR
2023	1	0 EUR	825 EUR

Schemes

Subsidies voor internationaal ondernemen

2 entries · 17,974 EUR · 17,974 EUR paid · Vlaams Agentschap voor Internationaal Ondernemen

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

2 entries · 2,355 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Of 1,526 companies in sector 32123 we hold annual accounts for 225. 179 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded20-07-2016

Fiscal year end30-06

Activities, NACEBEL

32123Manufacture of jewellery

47120Other non-specialised retail sale

47910Retail trade

73110Advertising agencies

74103Other professional, scientific and technical activities

74120Graphic design and visual communication

96022Beauty treatment

96220Beauty care and other beauty treatments

Sources

Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.