UNION MARIA
ActiveSummary
The computed 12-month bankruptcy probability of UNION MARIA is 4.3% (elevated). The 2025 annual accounts show equity of €240k and a net result of €17k. Equity is growing by ~28% per year across the filed fiscal years. Its solvency ranks better than 93% of 13305 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-12
Solvency100=
Growth63▼-17
Track record100
Bankruptcy probability, 12 months
4.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days only on tighter terms
Liquidity ample (current ratio 5.2 against 3.37 in 2024; short-term debt: 14.5% and cash: 22% of total assets), and 14.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 30-09-2025, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2026
not confirmed
2025
30 d late
2024
25 d late
2023
111 d late
2022
111 d late
2021
87 d late
2020
84 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Turnover
€812k▲ 115%
2022 · €377k
2020: €531k
2021: €374k
2022: €377k
2020 → 2023
EBIT margin
16.4%▲ 13.7pp
2022 · 2.7%
2020: 4.8%
2021: 21.8%
2022: 2.7%
2020 → 2023
Net result
€17k▼ 33.6%
2024 · €25k
2020: €19k
2021: €75k
2022: €8k
2023: €89k
2024: €25k
2020 → 2025
Working capital
€171k▼ 0.1%
2024 · €171k
2020: €-12k
2021: €67k
2022: €74k
2023: €146k
2024: €171k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€374k-€377k▲ 0.8%€812k▲ 115%
Equity€101k-€109k▲ 8.2%€198k▲ 81.9%€223k▲ 12.7%€240k▲ 7.5%
Operating result€82k-€10k▼ 87.4%€133k▲ 1,197%€41k▼ 69.4%€29k▼ 29.2%
Net result€75k-€8k▼ 89.1%€89k▲ 982%€25k▼ 71.8%€17k▼ 33.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €280k
Fixed assets
€69k ▲ 32.6%
Current assets
€211k ▼ 13.0%
Equity and liabilities €280k
Equity
€240k ▲ 7.5%
Debt
€41k ▼ 43.6%
Debt's share of the balance-sheet total falls from 24.4% to 14.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€43k▼
2024 · €54k
Cash flow
€31k▼
2024 · €38k
Current ratio
5.20▲
2024 · 3.37
Debt to equity
0.17▼
2024 · 0.32
ROE
7.0%▼
2024 · 11.3%
ROA
5.9%▼
2024 · 8.5%
Interest coverage
4.86▼
2024 · 12.42
Debt ≤ 1 year
€41k▼
2024 · €72k
Income taxes
€10k▼
2024 · €14k
Staff costs
€76k▲
2024 · €54k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€295k€280k▼
Fixed assets21/28€52k€69k▲
Intangible fixed assets21€17k€13k▼
Tangible fixed assets22/27€26k€27k▲
Plant, machinery and equipment23€26k€19k▼
Furniture and vehicles24-€8k
Financial fixed assets28€9k€28k▲
Current assets29/58€243k€211k▼
Amounts receivable within one year40/41€146k€142k▼
Trade receivables40€4k€23k▲
Other amounts receivable41€143k€119k▼
Cash at bank and in hand54/58€92k€62k▼
Deferred charges and accrued income490/1€5k€8k▲
Equity and liabilities
Total equity and liabilities10/49€295k€280k▼
Equity10/15€223k€240k▲
Contributions10/11€6k€6k=
Reserves13€112k€129k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€110k€127k▲
Profit (loss) carried forward14€105k€105k=
Amounts payable17/49€72k€41k▼
Amounts payable within one year42/48€72k€41k▼
Trade debts44€15k€18k▲
Suppliers440/4€15k€18k▲
Advances received on contracts in progress46-€5k
Taxes, remuneration and social security45€57k€18k▼
Taxes450/3€55k€14k▼
Remuneration and social security454/9€2k€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62€54k€76k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€14k▲
Other operating charges640/8€5k€4k▼
Gross operating margin9900€113k€124k▲
Operating profit (loss)9901€41k€29k▼
Financial income75/76B€2k€7k▲
Recurring financial income75€2k€7k▲
Financial charges65/66B€4k€9k▲
Recurring financial charges65€4k€9k▲
Profit (loss) for the period before taxes9903€39k€27k▼
Income taxes67/77€14k€10k▼
Profit (loss) for the period9904€25k€17k▼
Profit (loss) for the period to be appropriated9905€25k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€130k€121k▼
Profit (loss) brought forward from the previous period14P€105k€105k=
Transfer to equity691/2€25k€17k▼
To other reserves6921€25k€17k▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2024
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
31-01
Financial
Equity above €200kEq €223k ▲12.7%
5 profitable years in a row build equity to €223k.
2023
20-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 111 days late
31-01
Financial
Highest result since 2020net €89k ▲982%
Operating result €133k, net result €89k, both a record.
31-01
Financial
Liquidity doublescurrent ratio 2.79
Current ratio from 1.29 to 2.79; short-term debt falls from €254k to €81k.
31-01
Financial
Equity above €150kEq €198k ▲81.9%
4 profitable years in a row build equity to €198k.
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 111 days late
31-01
Financial
Weakest financial yearnet €8k ▼89.1%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
2021
26-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 87 days late
31-01
Financial
Liquidity times 5current ratio 3.87
Current ratio from 0.80 to 3.87; short-term debt falls from €58k to €23k.
31-01
Financial
Equity above €100kEq €101k ▲300%
2 profitable years in a row build equity to €101k.
2020
23-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 84 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, Oostende · 2 establishment units since 2019
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.
Zeedijk 137 A8400 OostendeGround area
1,852 m²
Building footprint
650 m²
Volume, LiDAR
15,090 m³
3 parcels, Flanders · tallest building 33.2 m, ±10 floors. Linked by address, not a title deed.
2 establishment units
BENVENUTO
since 20192.291.226.310
Ristorante Milano
since 20252.369.537.477
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35384A0089/00H033 | Flanders | 1,325 m² | 1 · 141 m² | 28.6 m · 8 fl. |
| 35011B0180/00L090 | Flanders | 323 m² | 1 · 361 m² | 33.2 m · 10 fl. |
| 35384A0089/00Y034 | Flanders | 204 m² | 1 · 149 m² | 29.2 m · 8 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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
2 sitesMiddelkerke2.369.537.477
Oostende2.291.226.310
Similar companies · same sector, comparable size
ZYTHUM
BE 0822.602.857
Antwerpen · Eq €239,780
FRANKY ENTERTAINMENT
BE 0652.881.561
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DEJOVER
BE 0767.519.824
Tielt · Eq €239,970
NOËL P.G.m.b.h.
BE 0455.817.945
Raeren · Eq €240,045
PERNOUCHE
BE 0648.793.111
Antwerpen · Eq €238,849
Of 14,018 companies in sector 56301 we hold annual accounts for 4,891. 2,886 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
Founded11-03-2019
Fiscal year end31-01
Activities, NACEBEL 2025
56301Cafés and bars
92000Gambling and betting activities
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.