Summary
UNIMAR is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €7.15M and a net result of €314k. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 5527 sector peers (fiscal year 2025). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-03-2026, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
36 d early
2023
41 d early
2022
74 d early
2021
30 d early
2020
29 d early
2019
6 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€7.15M▲ 4.6%
2024 · €6.84M
2019: €2.86M
2020: €4.40M
2021: €2.95M
2022: €8.03M
2023: €6.79M
2024: €6.84M
2019 → 2025
Net result
€314k▲ 572%
2024 · €47k
2019: €129k
2020: €1.55M
2021: €349k
2022: €5.08M
2023: €98k
2024: €47k
2019 → 2025
Total assets
€7.27M▼ 12.2%
2024 · €8.28M
2019: €6.89M
2020: €7.03M
2021: €6.89M
2022: €9.43M
2023: €8.28M
2024: €8.28M
2019 → 2025
Solvency
98.4%▲ 15.8pp
2024 · 82.6%
2019: 41.4%
2020: 62.6%
2021: 42.8%
2022: 85.1%
2023: 81.9%
2024: 82.6%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.95M-€8.03M▲ 172%€6.79M▼ 15.4%€6.84M▲ 0.7%€7.15M▲ 4.6%
Operating result€-45k-€-61k▼ 37.6%€21k€-13k€-14k▼ 10.6%
Net result€349k-€5.08M▲ 1,355%€98k▼ 98.1%€47k▼ 52.3%€314k▲ 572%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €14k in 2025 against €13k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.27M
Fixed assets
€4.86M ▼ 0.5%
Current assets
€2.41M ▼ 29.1%
Equity and liabilities €7.27M
Equity
€7.15M ▲ 4.6%
Debt
€118k ▼ 91.9%
Debt's share of the balance-sheet total falls from 17.4% to 1.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
4.4%▲
2024 · 0.7%
ROA
4.3%▲
2024 · 0.6%
Debt ≤ 1 year
€117k▼
2024 · €1.44M
Income taxes
€139▼
2024 · €688
Staff costs
€174k▼
2024 · €236k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€8.28M€7.27M▼
Fixed assets21/28€4.88M€4.86M▼
Tangible fixed assets22/27€78k€55k▼
Furniture and vehicles24€78k€55k▼
Financial fixed assets28€4.80M€4.80M=
Current assets29/58€3.40M€2.41M▼
Amounts receivable after more than one year29€1.75M€1.75M=
Other amounts receivable291€1.75M€1.75M=
Amounts receivable within one year40/41€50k€82k▲
Trade receivables40€40k€48k▲
Other amounts receivable41€10k€35k▲
Current investments50/53€1.32M€332k▼
Cash at bank and in hand54/58€259k€178k▼
Deferred charges and accrued income490/1€24k€69k▲
Equity and liabilities
Total equity and liabilities10/49€8.28M€7.27M▼
Equity10/15€6.84M€7.15M▲
Contributions10/11€62k€62k=
Reserves13€1.20M€1.20M=
Tax-exempt reserves132€11k€11k=
Distributable reserves133€1.19M€1.19M=
Profit (loss) carried forward14€5.57M€5.88M▲
Amounts payable17/49€1.44M€118k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€1.44M€117k▼
Current portion of amounts payable after more than one year42€22k€0▼
Trade debts44€2k€18k▲
Suppliers440/4€2k€18k▲
Taxes, remuneration and social security45€54k€40k▼
Taxes450/3€6k€5k▼
Remuneration and social security454/9€48k€35k▼
Other amounts payable47/48€1.36M€59k▼
Accrued charges and deferred income492/3-€968
Income statement
Code20242025
Non-recurring operating income76A-€8k
Remuneration, social security and pensions62€236k€174k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€25k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€246k€188k▼
Operating profit (loss)9901€-13k€-14k▼
Financial income75/76B€75k€342k▲
Recurring financial income75€75k€342k▲
Financial charges65/66B€14k€13k▼
Recurring financial charges65€14k€13k▼
Profit (loss) for the period before taxes9903€47k€315k▲
Income taxes67/77€688€139▼
Profit (loss) for the period9904€47k€314k▲
Profit (loss) for the period to be appropriated9905€47k€314k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5.57M€5.88M▲
Profit (loss) brought forward from the previous period14P€5.52M€5.57M▲
Transfer from equity791/2€0-
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90872.92.1▼
The notes to these accounts (16 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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Liquidity times 9current ratio 20.67
Current ratio from 2.36 to 20.67; short-term debt falls from €1.44M to €117k.
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Weakest financial yearnet €47k ▼52.3%
Net result drops to €47k, the lowest in the series; recovery starts the following year.
20-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
15-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Highest result since 2019net €5.08M ▲1355%
Net result €5.08M, the highest in the series.
30-09
Financial
Liquidity times 44current ratio 3.53
Current ratio from 0.08 to 3.53; short-term debt falls from €3.74M to €1.30M.
30-09
Financial
Equity above €5MEq €8.03M ▲172%
4 profitable years in a row build equity to €8.03M.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
01-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
25-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2018
19-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
13-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
12-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Balen · 1 establishment unit since 1997
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.
Metaalstraat 72490 BalenGround area
10,000 m²
Building footprint
5,201 m²
Volume, LiDAR
38,909 m³
Parcel 13003E0623/00B000, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
UNIMAR
since 19972.082.313.054
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13003E0623/00B000 | Flanders | 10,000 m² | 1 · 5,201 m² | 10.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
2022 to 2025 · 3 entries · 548 EUR awarded · 548 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 106 EUR | 106 EUR |
| 2024 | 1 | 367 EUR | 367 EUR |
| 2022 | 1 | 75 EUR | 75 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 7,037 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-06-1997
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:marleen@bakkerijmarien.com
Phone:014/81.65.50
Fax:014/81.68.61