UNIONVILLE
ActiveUNIONVILLE has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €714k and a net result of €73k. Equity is growing by ~19% per year across the filed fiscal years. Its solvency ranks better than 95% of 9584 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
93
/ 100
Excellent▼ -7 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability51▼-49
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 22.56 against 6.58 in 2023), and 5% 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
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 2024Solvency, return and age of the figures
Solvency
95%
Return on assets
9.7%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
31 d late
2022
29 d late
2021
31 d late
2020
27 d late
2019
101 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€714k▲ 4.8%
2023 · €681k
2018: €213k
2019: €273k
2020: €352k
2021: €440k
2022: €518k
2023: €681k
2018 → 2024
Total assets
€752k▼ 7.7%
2023 · €815k
2018: €387k
2019: €398k
2020: €458k
2021: €583k
2022: €623k
2023: €815k
2018 → 2024
Net result
€73k▼ 72.3%
2023 · €263k
2018: €66k
2019: €60k
2020: €80k
2021: €137k
2022: €79k
2023: €263k
2018 → 2024
Working capital
€689k▲ 0.2%
2023 · €688k
2018: €213k
2019: €261k
2020: €349k
2021: €429k
2022: €516k
2023: €688k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€352k-€440k▲ 24.7%€518k▲ 17.9%€681k▲ 31.4%€714k▲ 4.8%
Operating result€132k-€205k▲ 55.7%€147k▼ 28.4%€368k▲ 150%€85k▼ 77.0%
Net result€80k-€137k▲ 72.1%€79k▼ 42.5%€263k▲ 234%€73k▼ 72.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 77% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €752k
Fixed assets
€31k▲ 770%
Current assets
€721k▼ 11.1%
Equity and liabilities €752k
Equity
€714k▲ 4.8%
Debt
€38k▼ 71.6%
The debt ratio falls from 16.4% to 5.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€87k▼
2023 · €382k
Cash flow
€75k▼
2023 · €277k
Solvency
95.0%▲
2023 · 83.6%
Current ratio
22.56▲
2023 · 6.58
Quick ratio
22.56▲
2023 · 6.58
Debt / equity
0.05▼
2023 · 0.20
ROE
10.2%▼
2023 · 38.6%
ROA
9.7%▼
2023 · 32.3%
Interest coverage
6.47▼
2023 · 149.48
Debt
€38k▼
2023 · €133k
Debt ≤ 1 year
€32k▼
2023 · €123k
Debt > 1 year
€6k▼
2023 · €10k
Income taxes
€1k▼
2023 · €107k
Staff costs
€51k▼
2023 · €56k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€815k€752k▼
Fixed assets21/28€4k€31k▲
Tangible fixed assets22/27€3k€31k▲
Furniture and vehicles24€3k€31k▲
Financial fixed assets28€400€400=
Current assets29/58€811k€721k▼
Amounts receivable within one year40/41€349k€298k▼
Trade receivables40€90k€53k▼
Other amounts receivable41€258k€245k▼
Cash at bank and in hand54/58€458k€418k▼
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€815k€752k▼
Equity10/15€681k€714k▲
Contributions10/11€62k€62k=
Capital10€62k-
Issued capital100€62k-
Outside capital11-€62k
Other1109/19-€62k
Reserves13€318k€351k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k-
Reserves not available under the articles1311-€2k
Tax-exempt reserves132€19k€19k=
Distributable reserves133€298k€331k▲
Profit (loss) carried forward14€301k€301k=
Amounts payable17/49€133k€38k▼
Amounts payable after more than one year17€10k€6k▼
Financial debts170/4€10k€6k▼
Amounts payable within one year42/48€123k€32k▼
Current portion of amounts payable after more than one year42€4k€4k=
Trade debts44€32k-
Suppliers440/4€32k-
Taxes, remuneration and social security45€72k€27k▼
Taxes450/3€60k€14k▼
Remuneration and social security454/9€12k€13k▲
Other amounts payable47/48€15k€258▼
Income statement
Code20232024
Non-recurring operating income76A-€30k
Remuneration, social security and pensions62€56k€51k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€3k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€440k€140k▼
Operating profit (loss)9901€368k€85k▼
Financial income75/76B€5k€3k▼
Recurring financial income75€5k€3k▼
Financial charges65/66B€3k€13k▲
Recurring financial charges65€3k€13k▲
Profit (loss) for the period before taxes9903€370k€74k▼
Income taxes67/77€107k€1k▼
Profit (loss) for the period9904€263k€73k▼
Profit (loss) for the period to be appropriated9905€263k€73k▼
Appropriation of the result
Profit (loss) to be appropriated9906€551k€374k▼
Profit (loss) brought forward from the previous period14P€288k€301k▲
Transfer to equity691/2€150k€33k▼
To other reserves6921€150k€33k▼
Profit to be distributed694/7€100k€40k▼
Return on contributions (dividend)694€100k-
Directors or managers695-€40k
Social balance
Average headcount (FTE)90871.52.1▲
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
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 22.56
Current ratio from 6.58 to 22.56; short-term debt falls from €123k to €32k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2023
31-12
Financial
Highest result since 2018net €263k ▲234%
Operating result €368k, net result €263k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
31-12
Financial
Equity above €500kEq €518k ▲17.9%
5 profitable years in a row build equity to €518k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 101 days late
2019
31-12
Financial
Weakest financial yearnet €60k ▼9.2%
Net result drops to €60k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 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, Antwerpen · 1 establishment unit since 2006
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.
Ankerrui 182000 AntwerpenGround area
399 m²
Building footprint
399 m²
Volume, LiDAR
5,706 m³
Parcel 11802B0202/00V000, Flanders · tallest building 28.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Unionville
since 20062.153.395.743
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11802B0202/00V000 | Flanders | 399 m² | 1 · 399 m² | 28.4 m · 5 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.
Similar companies · same sector, comparable size
BOUNCE WEAR
BE 0861.293.583
Holsbeek · Eq €714k
HACKETT RETAIL BELGIUM
BE 0886.785.480
Brussel · Eq €714k
HEFREMA
BE 0480.274.120
Antwerpen · Eq €715k
PAULUS
BE 0451.037.825
Huy · Eq €715k
WUIDAR
BE 0417.650.821
Herstal · Eq €715k
Of 6,459 companies in sector 47716 we hold annual accounts for 2,423. 1,292 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-04-2006
Fiscal year end31-12
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
46419Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.