Skip to content
Checked.be
Complete company report
Generated 08-08-2026
Active BE 0422.225.756Public limited company

UNISEM

Grand'Place (TOU) 39 ·7500 Tournai, Belgium· 44 yrs active
Sector: Wholesale trade (46214)
Conclusion Checked

The computed 12-month bankruptcy probability of UNISEM is 0.5% (very low). 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 56% of 3351 sector peers (fiscal year 2024). The company has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.
Key figures
Equity €127k
Net result €-2k
Better than sector 56%
Active 44 yrs
Snowflake analysis 5 axes · computed by Checked
Health55Profitability0Solvency61Growth32Stability100
50 / 100

Mixed profile: strong on stability, weaker on profitability.

Health 55
Profitability 0
Solvency 61
Growth 32
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.5% Very low
0%0,5%1,5%4%10%≥25%
Long track record −Annual accounts: weaker financial profile +Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 1981, 44 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
55 / 100 Fair
050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →
Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 05-06-2025 with the NBB · fiscal year 2024 · micro
€-20k€0€20k€40k€60kOperating result 2020: €-8k€-8kNet result 2020: €58k€58kOperating result 2021: €-7k€-7kNet result 2021: €-7k€-7kOperating result 2022: €18k€18kNet result 2022: €16k€16kOperating result 2023: €-6k€-6kNet result 2023: €-7k€-7kOperating result 2024: €-1k€-1kNet result 2024: €-2k€-2k20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable Equity: stable across 7 fiscal years (±1.4%/year).
€110k€120k€130k€140k2025: €125k (€115k - €135k)2026: €123k (€113k - €133k)2027: €121k (€111k - €132k)2018: €138k2019: €134k2020: €126k2021: €119k2022: €135k2023: €129k2024: €127k2018201920202021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 31.9% 25.2%
better than 56% of 3351 sector peers
Net result €-2k €4k
better than 33% of 3338 sector peers
Equity €127k €23k
better than 84% of 3358 sector peers
Gross operating margin €16k €19k
better than 47% of 3324 sector peers
Total assets €398k €105k
better than 85% of 3356 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-10k
- far below sector median
Net profit
€-2k
+73.5% far below sector median
Cash flow
€71k
- far above sector median
Total assets
€398k
+31.2% +256% vs sector
Equity
€127k
-1.4% +131% vs sector
Working capital
€127k
-1.4% +263% vs sector
Income taxes
€47
-93.5% -98% vs sector
Debt
€271k
+55.2% far above sector median
Debt ≤ 1y
€271k
+55.2% far above sector median
Current ratio
1.47
-15.5% -9% vs sector
Quick ratio
1.47
+58.5% -9% vs sector
Solvency
31.9%
-24.8% -27% vs sector
Debt / equity
2.14
+57.3% +64% vs sector
ROE
-1.4%
+73.2% far below sector median
ROA
-0.4%
+79.8% far below sector median
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA-
Net profit€-2k
Cash flow-
Staff costs-
Income taxes€47
Dividends-
Total assets€398k
Equity€127k
Debt€271k
of which ≤ 1y€271k
of which > 1y-
Working capital€127k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.47
Quick ratio1.47
Working capital ratio31.9%
Solvency31.9%
Debt / equity2.14
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-0.4%
ROE-1.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€398k
Current assets 29/58€398k
Amounts receivable within one year 40/41€237k
Cash & bank 54/58€157k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€398k
Equity 10/15€127k
Contributions / capital 10/11€62k
Reserves 13€23k
Accumulated profits (losses) 14€43k
Amounts payable 17/49€271k
Amounts payable within one year 42/48€271k
Trade debts payable within one year 44€260k
Income statement
Gross operating margin 9900€16k
Operating result 9901€-1k
Financial income 75€0
Financial charges 65€403
Result before taxes 9903€-2k
Income taxes 67/77€47
Net result for the period 9904€-2k
Result to be appropriated 9905€-2k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Wholesale trade(46214)
Legal form Public limited company(014)
Incorporation21-12-1981
StatusActive
Postal code7500
Establishment units 1 location
UNISEM
Rue de Pont(TOU) 33, 7500 TournaiGoederenvervoer door de lucht
since 20032.137.271.769
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

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.
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.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
05-06-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
21-06-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
03-01-2024
State Gazette act Director changes
Maxime HANARD · correction
2023
07-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
04-07-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
14-06-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
03-08-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2019
25-07-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
04-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
22-08-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
30-08-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2024
03-01-2024 4 directors appointed Director changes·Maxime HANARDcorrection
  • DELAUTREDROUILLON Stéphane Roger Gustave Paul Emile, Bestuurder
  • DELAUTREDROUILLON Henri François Edouard Emile Gustave, Bestuurder
  • DELAUTRE-DROUILLON Stéphane, Gedelegeerd bestuurder
  • LAVENS David, Mandataire ad hoc
Notary: Maxime HANARD · Tournai
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "DELAUTREDROUILLON St\u00E9phane Roger Gustave Paul Emile",
        "address": "7500 Tournai, Grand\u0027Place, 39",
        "birth_date": "1958-01-14",
        "profession": null,
        "birth_place": "Ath"
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "6"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "DELAUTREDROUILLON Henri Fran\u00E7ois Edouard Emile Gustave",
        "address": "7501 Tournai (Orcq), Chauss\u00E9e de Lille, 527",
        "birth_date": "1993-09-22",
        "profession": null,
        "birth_place": "Tournai"
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "6"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "administrateur-d\u00E9l\u00E9gu\u00E9",
      "person": {
        "rrn": null,
        "name": "DELAUTRE-DROUILLON St\u00E9phane",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "correction",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "DELAUTRE-DROUILLON Henri",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "rechtzetting",
      "subkind": "rectification",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2021-06-07",
      "evidence_quote": "L\u2019assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cidera \u00E0 la prochaine assembl\u00E9e g\u00E9n\u00E9rale annuelle sur la d\u00E9charge aux administrateurs pour l\u2019ex\u00E9cution de leurs mandats.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "retroactive"
    },
    {
      "kind": "director_in",
      "role": "mandataire ad hoc",
      "person": {
        "rrn": null,
        "name": "LAVENS David",
        "address": "7760 Velaines, rue Fauchy, 2",
        "birth_date": null,
        "profession": "expert-comptable",
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "decharge_pending",
      "role": null,
      "person": null,
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "L\u2019assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cidera \u00E0 la prochaine assembl\u00E9e g\u00E9n\u00E9rale annuelle sur la d\u00E9charge aux administrateurs pour l\u2019ex\u00E9cution de leurs mandats.",
      "decharge_status": "pending_next_agm",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": "Maxime HANARD",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Tournai",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2024-01-03",
    "filing_date": "2023-12-28",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [],
  "is_correction": true,
  "subject_company": {
    "kbo": "0422.225.756",
    "name_full": "UNISEM",
    "legal_form": "SA"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Maxime HANARD",
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Groothandel in andere akkerbouwproducten46214Groothandel in andere akkerbouwproducten46214Groothandel in granen, zaden en diervoeders51210
Primary activity highlighted.
Names & trade names
Legal nameFR UNISEM
Registered office
Grand'Place (TOU) 39 bus 13
7500 Tournai, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Same NACE
SRL CORNETTE JEROME BE 0769.729.543 · Floreffe
Bel'grains BE 0774.942.995 · Gembloux
TERRE D’HERBAGE BE 0696.721.801 · Limbourg
GINKGO FARM BE 0788.776.185 · Binche
YR TRADE BE 0793.549.773 · Mettet
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative