Union financière et industrielle
ActiveSummary
Union financière et industrielle has been active since 1917 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.98M and a net result of €15k. Equity remains stable across the filed fiscal years (±0.2% per year). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▼-3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150k at 30 days acceptable
short-term debt: 0.8% of total assets, and 0.8% of the assets are financed with debt.
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
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
99.2%
Return on assets
0.7%
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 15-04-2026, 107 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
107 d early
2024
112 d early
2023
100 d early
2022
90 d early
2021
110 d early
2020
114 d early
2019
120 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€15k▼ 60.7%
2024 · €38k
2018: €-11k
2019: €-11k
2020: €-13k
2021: €-15k
2022: €-7k
2023: €20k
2024: €38k
2018 → 2025
Working capital
€1.98M▲ 0.8%
2024 · €1.96M
2018: €1.95M
2019: €1.94M
2020: €1.93M
2021: €1.91M
2022: €1.91M
2023: €1.93M
2024: €1.96M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.91M-€1.91M▼ 0.4%€1.93M▲ 1.0%€1.96M▲ 2.0%€1.98M▲ 0.8%
Operating result€-10k-€-7k▲ 23.7%€-42k▼ 474%€-31k▲ 26.8%€-30k▲ 2.0%
Net result€-15k-€-7k▲ 51.7%€20k€38k▲ 92.8%€15k▼ 60.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €30k in 2025 against €31k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €1.99M
Equity
€1.98M ▲ 0.8%
Debt
€15k ▲ 64.9%
Debt's share of the balance-sheet total rises from 0.5% to 0.8%. Equity and debt are higher.
Key figures and ratios
Debt to equity
0.01▲
2024 · 0.00
ROE
0.8%▼
2024 · 1.9%
ROA
0.7%▼
2024 · 1.9%
Debt ≤ 1 year
€15k▲
2024 · €9k
Income taxes
€0▼
2024 · €5k
A ratio outside any meaningful range has been withheld (balance sheet total €1.99M, equity €1.98M).
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 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.97M€1.99M▲
Current assets29/58€1.97M€1.99M▲
Amounts receivable within one year40/41€1.97M€1.99M▲
Other amounts receivable41€1.97M€1.99M▲
Equity and liabilities
Total equity and liabilities10/49€1.97M€1.99M▲
Equity10/15€1.96M€1.98M▲
Contributions10/11€2.14M€2.14M=
Capital10€1.77M€1.77M=
Issued capital100€1.77M€1.77M=
Outside capital11€374k€374k=
Share premium1100/10€374k€374k=
Reserves13€279€279=
Non-distributable reserves130/1€279€279=
Legal reserve130€279€279=
Profit (loss) carried forward14€-178k€-163k▲
Amounts payable17/49€9k€15k▲
Amounts payable within one year42/48€9k€15k▲
Trade debts44€9k€15k▲
Suppliers440/4€9k€15k▲
Income statement
Code20242025
Operating charges60/66A€31k€30k▼
Services and other goods61€30k€29k▼
Other operating charges640/8€968€998▲
Operating profit (loss)9901€-31k€-30k▲
Financial income75/76B€74k€46k▼
Recurring financial income75€74k€46k▼
Income from current assets751€74k€46k▼
Financial charges65/66B€657€669▲
Recurring financial charges65€657€669▲
Other financial charges652/9€657€669▲
Profit (loss) for the period before taxes9903€43k€15k▼
Income taxes67/77€5k€0▼
Taxes670/3€5k€0▼
Profit (loss) for the period9904€38k€15k▼
Profit (loss) for the period to be appropriated9905€38k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-178k€-163k▲
Profit (loss) brought forward from the previous period14P€-216k€-178k▲
The notes to these accounts (10 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
15-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
10-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €38k ▲92.8%
Net result €38k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 209.97
Current ratio from 63.49 to 209.97; short-term debt falls from €31k to €9k.
22-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €20k
Net result €20k after 5 loss-making years.
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
12-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
08-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
02-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
09-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
12-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
20 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, Brussel · 1 establishment unit since 1917
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.
Simon Bolivarlaan 361000 BrusselGround area
5,799 m²
Building footprint
2,489 m²
Volume, LiDAR
131,585 m³
Parcel 21813D0439/00P009, Brussels · tallest building 64.0 m, ±19 floors. Linked by address, not a title deed.
1 establishment unit
Union financière et industrielle
since 19172.006.352.255
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21813D0439/00P009 | Brussels | 5,799 m² | 1 · 2,489 m² | 64.0 m · 19 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.
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-06-1917
Fiscal year end31-12
Abbreviation FR
U.F.I.
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.engie.com