UNISEM
ActiveUNISEM has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €127k and a net result of €-2k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 44% of 15868 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability36▲+4
Solvency57▼-10
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.74 in 2023; short-term debt: 68.1% and cash: 39.6% of total assets), and 68.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
31.9%
Return on assets
-0.4%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-2k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-06-2025, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
56 d early
2023
40 d early
2022
7 d late
2021
27 d early
2020
47 d early
2019
3 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-2k▲ 73.5%
2023 · €-7k
2018: €-12k
2019: €-4k
2020: €-8k
2021: €-7k
2022: €16k
2023: €-7k
2018 → 2024
Working capital
€127k▼ 1.4%
2023 · €129k
2018: €138k
2019: €144k
2020: €141k
2021: €119k
2022: €135k
2023: €129k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€126k-€119k▼ 5.8%€135k▲ 13.9%€129k▼ 4.9%€127k▼ 1.4%
Operating result€-8k-€-7k▲ 6.2%€18k€-6k€-1k▲ 79.2%
Net result€-8k-€-7k▲ 6.2%€16k€-7k€-2k▲ 73.5%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1k in 2024 against €6k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €398k
Equity
€127k▼ 1.4%
Debt
€271k▲ 55.2%
The debt ratio rises from 57.6% to 68.1%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
31.9%▼
2023 · 42.4%
Current ratio
1.47▼
2023 · 1.74
Quick ratio
1.47▲
2023 · 0.93
Debt / equity
2.14▲
2023 · 1.36
ROE
-1.4%▲
2023 · -5.2%
ROA
-0.4%▲
2023 · -2.2%
Debt
€271k▲
2023 · €175k
Debt ≤ 1 year
€271k▲
2023 · €174k
Income taxes
€47
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€303k€398k▲
Current assets29/58€303k€398k▲
Stocks and contracts in progress3€141k-
Stocks30/36€141k-
Amounts receivable within one year40/41€58k€237k▲
Trade receivables40€49k€232k▲
Other amounts receivable41€9k€4k▼
Cash at bank and in hand54/58€80k€157k▲
Deferred charges and accrued income490/1€23k€4k▼
Equity and liabilities
Total equity and liabilities10/49€303k€398k▲
Equity10/15€129k€127k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€23k€23k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€16k€16k=
Profit (loss) carried forward14€44k€43k▼
Amounts payable17/49€175k€271k▲
Amounts payable within one year42/48€174k€271k▲
Trade debts44€166k€260k▲
Suppliers440/4€166k€260k▲
Taxes, remuneration and social security45-€47
Taxes450/3-€47
Other amounts payable47/48€8k€11k▲
Accrued charges and deferred income492/3€114€116▲
Income statement
Code20232024
Other operating charges640/8€47k€17k▼
Gross operating margin9900€41k€16k▼
Operating profit (loss)9901€-6k€-1k▲
Financial income75/76B€8€0▼
Recurring financial income75€8€0▼
Financial charges65/66B€369€403▲
Recurring financial charges65€369€403▲
Profit (loss) for the period before taxes9903€-7k€-2k▲
Income taxes67/77-€47
Profit (loss) for the period9904€-7k€-2k▲
Profit (loss) for the period to be appropriated9905€-7k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€44k€43k▼
Profit (loss) brought forward from the previous period14P€51k€44k▼
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
31-12
Financial
Back to profitnet €16k
Net result €16k after 4 loss-making years.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 3 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 6.58
Current ratio from 3.12 to 6.58; short-term debt falls from €65k to €26k.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Tournai · 1 establishment unit since 2003
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.
Grand'Place (TOU) 397500 TournaiGround area
915 m²
Building footprint
494 m²
Volume, LiDAR
8,485 m³
2 parcels, Wallonia · tallest building 21.0 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
UNISEM
since 20032.137.271.769
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57081F0669/00C000 | Wallonia | 803 m² | 1 · 432 m² | 21.0 m · 6 fl. |
| 57462C0013/00D000 | Wallonia | 112 m² | 1 · 63 m² | 16.5 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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
1 siteTournai2.137.271.769
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Of 77 companies in sector 46214 we hold annual accounts for 35. 19 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-12-1981
Fiscal year end31-12
Activities, NACEBEL
46214Wholesale trade
51210
Sources
Crossroads Bank for EnterprisesNational Bank · 43 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:sdd@unisem.eu
Phone:069891418