UNION.A
ActiveUNION.A has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €996. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 80% of 18120 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▼-1
Solvency95▼-4
Growth50▼-2
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.61 against 2.71 in 2024; short-term debt: 30% and cash: 8.8% of total assets), and 30% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
70%
Return on assets
2.5%
Age of the figures
9 mo
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 filingsDeviation from the deadline
2025
57 d early
2024
45 d early
2023
19 d early
2022
11 d early
2021
9 d late
2020
64 d early
2019
21 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€249k▼ 6.8%
2024 · €267k
2018: €192k
2019: €176k
2020: €190k
2021: €230k
2022: €246k
2023: €286k
2024: €267k
2018 → 2025
EBIT margin
0.5%▼ 0.1pp
2024 · 0.6%
2018: 1.4%
2019: -2.3%
2020: -2.2%
2021: 0.8%
2022: 1.2%
2023: 3.3%
2024: 0.6%
2018 → 2025
Net result
€996▼ 28.7%
2024 · €1k
2018: €2k
2019: €-5k
2020: €-4k
2021: €2k
2022: €3k
2023: €7k
2024: €1k
2018 → 2025
Working capital
€19k▲ 17.8%
2024 · €16k
2018: €8k
2019: €5k
2020: €22k
2021: €25k
2022: €19k
2023: €21k
2024: €16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€230k-€246k▲ 6.8%€286k▲ 16.5%€267k▼ 6.7%€249k▼ 6.8%
Equity€15k-€18k▲ 18.6%€25k▲ 42.3%€27k▲ 5.6%€28k▲ 3.7%
Operating result€2k-€3k▲ 61.4%€9k▲ 234%€2k▼ 83.5%€1k▼ 24.4%
Net result€2k-€3k▲ 82.1%€7k▲ 170%€1k▼ 81.3%€996▼ 28.7%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 24% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €39k
Fixed assets
€9k▼ 18.1%
Current assets
€31k▲ 20.4%
Equity and liabilities €39k
Equity
€28k▲ 3.7%
Debt
€12k▲ 24.8%
The debt ratio rises from 26.2% to 30.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€3k▼
2024 · €3k
Cash flow
€3k▼
2024 · €3k
Solvency
70.0%▼
2024 · 73.8%
Current ratio
2.61▼
2024 · 2.71
Quick ratio
0.96▲
2024 · 0.90
Debt / equity
0.43▲
2024 · 0.36
ROE
3.6%▼
2024 · 5.3%
ROA
2.5%▼
2024 · 3.9%
Interest coverage
14.04▼
2024 · 38.26
Debt
€12k▲
2024 · €9k
Debt ≤ 1 year
€12k▲
2024 · €9k
Income taxes
€249▼
2024 · €349
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€36k€39k▲
Fixed assets21/28€10k€9k▼
Intangible fixed assets21€6k€6k=
Tangible fixed assets22/27€4k€2k▼
Land and buildings22€4k€2k▼
Plant, machinery and equipment23€392€306▼
Current assets29/58€26k€31k▲
Stocks and contracts in progress3€17k€20k▲
Stocks30/36€17k€20k▲
Amounts receivable within one year40/41€6k€7k▲
Other amounts receivable41€6k€7k▲
Cash at bank and in hand54/58€1k€3k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€36k€39k▲
Equity10/15€27k€28k▲
Contributions10/11€19k€19k=
Reserves13€421€421=
Non-distributable reserves130/1€255€255=
Reserves not available under the articles1311€255€255=
Distributable reserves133€166€166=
Profit (loss) carried forward14€8k€9k▲
Amounts payable17/49€9k€12k▲
Amounts payable within one year42/48€9k€12k▲
Trade debts44€8k€11k▲
Suppliers440/4€8k€11k▲
Taxes, remuneration and social security45€1k€397▼
Taxes450/3€1k€397▼
Other amounts payable47/48€193€793▲
Income statement
Code20242025
Turnover70€267k€249k▼
Goods, raw materials, services and sundry goods60/61€266k€248k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€5k€5k▼
Operating profit (loss)9901€2k€1k▼
Financial income75/76B€283€289▲
Recurring financial income75€283€289▲
Financial charges65/66B€89€218▲
Recurring financial charges65€89€218▲
Profit (loss) for the period before taxes9903€2k€1k▼
Income taxes67/77€349€249▼
Profit (loss) for the period9904€1k€996▼
Profit (loss) for the period to be appropriated9905€1k€996▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€9k▲
Profit (loss) brought forward from the previous period14P€6k€8k▲
The notes to these accounts (5 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €7k ▲170%
Operating result €9k, net result €7k, both a record.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 3.00
Current ratio from 1.36 to 3.00; short-term debt falls from €14k to €11k.
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
31-12
Financial
Weakest financial yearnet €-5k ▼335%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 14 days late
2017
27-08
NBB filing
Annual accounts filed
fiscal year 2016 · 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
7 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, Charleroi · 1 establishment unit since 2008
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.
Rue Royale 746030 CharleroiGround area
79 m²
Building footprint
80 m²
Volume, LiDAR
880 m³
Parcel 52382A0024/00F608, Wallonia · tallest building 13.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
TABAC SHOP
since 20082.172.561.755
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52382A0024/00F608 | Wallonia | 79 m² | 1 · 80 m² | 13.0 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteCharleroi2.172.561.755
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Of 10,527 companies in sector 47110 we hold annual accounts for 5,861. 4,379 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-08-2004
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
52112
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.