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UNION.A

Active
Private limited companyfounded 2004active for 22 yearsRue Royale 74, 6030 Charleroi, BelgiumKBO/BCE: BE 0866.865.541
Summary

UNION.A has been active since 2004 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27,566 and a net result of €996. Equity has been growing by about 8.1% per year since 2018. Its solvency ranks better than 81% of 22,774 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Overview

Official details

Source: KBO
Status
Active since 20-08-2004 Normal situation
Activity
Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110
Establishment unit
2.172.561.755 6030 Charleroi, since 26-08-2008
Financial year end
31 December
Peppol
Reachable since 19-12-2025

Board and ownership

Board
  • AZIZI MASOUDDirector

Financial position

85 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.4%
Annual accounts 2025
Turnover
€248,650
▼ 6.8%
Profit
€996
▼ 28.7%
Equity
€27,566
▲ 3.7%
Total assets
€39,362
▲ 9.3%
Score breakdownraises riskSize: turnover €248,650, total assets €39,362Sector: Retail trade (NACE 47)lowers riskFounded in 2004Figures for financial year 2025 (filed on 04-06-2026)Show the evidence

Checked score

Score 2025
85 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 53% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Strong
Solvency 95-4
equity 70.0% of total assets
Liquidity 49+6
short-term debt 30.0% · cash 8.8%
Profitability 56-1
return on assets 2.5%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 0.4% 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.5%▲ +0.1 percentage points vs 03-2025 05-2025: 0.5%● unchanged vs 04-2025 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.4%▼ -0.1 percentage points vs 06-2025 08-2025: 0.4%● unchanged vs 07-2025 09-2025: 0.4%● unchanged vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.4%● unchanged vs 01-2026 03-2026: 0.5%▲ +0.1 percentage points vs 02-2026 04-2026: 0.5%● unchanged vs 03-2026 05-2026: 0.5%● unchanged vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026highest value 07-2026: 0.4%▼ -0.1 percentage points vs 06-2026lowest value 08-2026: 0.4%● unchanged vs 07-2026lowest value 09-2026: 0.4%● unchanged vs 08-2026lowest value 10-2026: 0.4%● unchanged vs 09-2026 11-2026: 0.4%● unchanged vs 10-2026
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.61 (2.71 in 2024), above the usual 1.5. Short-term debt is 30% and cash 8.8% of total assets. 30% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 81% of them on solvency, 48% on liquidity, 40% on profitability and 41% on growth.

The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Size: turnover €248,650, total assets €39,362
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Founded in 2004
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Sector: Retail trade (NACE 47)
KBO
lowers risk · Figures for financial year 2025 (filed on 04-06-2026)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
57 days early
2024
45 days early
2023
19 days early
2022
11 days early
2021
9 days late
2020
64 days early
2019
21 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 24 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 13 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher solvency than 80% of companies in retail tradesector median 33.2% · 22,774 companies 70.0% View
  • Positive: 5 profitable years in a rowprofit 2025: €996 5 years View
  • Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View

Recent changes

  1. · Gazette deed Amendment of the articles · Legal-form change · Resignations & appointments
  2. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as UNION.A: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €30,000 and €42,900, founded between 2000 and 2005.

CompanyTotal assetsGross margin
UNION.A Charleroi€39,362€4,801
BESTAG Etterbeek€32,325€4,128
MOKTABIB Anderlecht€35,952€5,276
RAJA A.K. Antwerpen€38,428€5,772
EL WAFA Vorst€42,911€6,519
BUSINESS INVESTMENT Sint-Lambrechts-Woluwe€36,766€6,309
BEKO Charleroi€30,003€5,782
Full comparison

Key facts about UNION.A

What is the company number of UNION.A?
The company number of UNION.A is 0866.865.541. The VAT number is the same number with BE in front: BE 0866.865.541.
Where is UNION.A based?
The registered office is at Rue Royale 74, 6030 Charleroi.Company details
What does UNION.A do?
According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
What is the legal form of UNION.A?
The legal form of UNION.A is Private limited company (BV).
When was UNION.A founded?
UNION.A was founded on 20-08-2004.
Is UNION.A still active?
Yes, UNION.A is an active enterprise in the KBO register.
What is the turnover of UNION.A?
The turnover of UNION.A was €248,650 in financial year 2025, according to the filed annual accounts.Financials
Is UNION.A profitable?
In financial year 2025, UNION.A made a profit of €996.
Where can I find the annual accounts of UNION.A?
UNION.A filed 21 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of UNION.A due?
UNION.A must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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